vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Beginning with their notification letter dated ( XX/XX/XXXX ) Bank of America advised me that my savings account of {$790.00} was being closed. If my account had a balance after it's closing, BOA would send me a cashier 's check. I've talked with the two managers of a BOA local banking center to complain about the delay for the return of my savings. My third visit was on ( XX/XX/XXXX ), requesting another call to learn about the status of the check. I learned earlier that the check was cut two weeks before. Every time I called BOA for corporate help, I never could speak with a representative because of the very long wait time. My posted query letter ( XX/XX/XXXX ) to Customer Care in XXXX XXXXwas unanswered. 
A letter from BOA ( XX/XX/XXXX ) .advised me to call the Risk Account Closure dep't for assistance with my cashier 's check. I have not learned anything new going forward and I'm deeply concerned that I've been waiting for an unreasonable amount of time for the cashier 's check. RAC dep't tel. # XXXX XXXX XXXX. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent the following information to Capital One and XXXX on XX/XX/2020. 
Police Report. Notarized Statement. State Identification. Social Security Card. 

Both companies are willfully reporting these items to my credit and refusing to remove them although they have been made aware of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE.

FIX THIS. NOW. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against : Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX Follow Up Complaint : This is a follow-up case update, that your office has requested. So as to stay involved in this matter. Mr. Cooper Mortgage Service has employed unfairness and deceptive practices, including fraud in the modification review process. Mr. Cooper sent a letter on XX/XX/XXXX, indicating that they had received an application for modification and supporting supplement documentation from us. Contrary to the letter our package was faxed to Mr. Cooper attorney nine days later on XXXX XXXX, with confirmed receipt. Mr. Cooper lawyers said that they will forward the package to Mr. Cooper, which is two days before Mr. Cooper sent a determination letter. Mr. Cooper sent a determination letter based on documents they have not received nor reviewed. Please see the attached letter. With this being said I wonder if my case is an individual case or systematic unfair and deceptive practice. Since Mr. Cooper is not a stranger to the scrutiny of this nature, we are requesting for modification with principal reduction. Mr. Cooper is wanting for foreclosure of {$960000.00}, while the property value is only {$310000.00} per current appraisal. 

The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. The Loan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr. Cooper scheduled XX/XX/XXXX, as our Law Day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for modification. We have the financial qualification for a loan modification. Both I and my wife have been in our current jobs for over seven years. ( Please see a motion to open judgment and extend law date by the bank Mr. CooperXXXXXXXX XXXX. You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. CooperXXXX XXXX  motion to open judgment and extend the law date to XX/XX/XXXX. The court document stated that the bank wanted to reopen the judgment and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have filed a dispute through XXXX XXXX XXXX. The company, XXXX have not replied. This company is working for Capitalone Bank. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
In XX/XX/2020, I received a collection notice from XXXX in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from XXXX for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime Bank has closed my account and is refusing to refund my balance of {$24000.00}. I have sent them documents confirming who I am and where my deposits came from. I have sent them my State license, social security card, proof of residence, and other forms indicating that I am the designated recipient of my deposits. My account was closed on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This debt is not mine. Merchants Credit Guide has the incorrect individual.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXXXXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX for {$3700.00}. When I bought the vehicle I was told by the seller that it had a clean title, it passed inspection, and there were no issues. I transferred {$3500.00} to the seller on XXXX with my financial instutition, Bank of America, and the other {$250.00} I transferred through XXXX. There are two reasons why I am asking for a refund. First, when I drove the car home and got it checked out by a mechanic, I found out that the seller had taped over the Service Engine Soon light. Second, the name on the title of the car is not the same as the seller and realized he sold me a car which he did not even own, meaning I am not able to register the car at all. XXXX does not provide any support to its users for fraud or scam and I have not been able to reach Bank of America to report the scam. He committed a XXXX by title jumping ( selling a car whose title is not in his own name ) and lied to me about its current condition which I have proof of in the texts he sent me. The bill of sale he created for me was fraudulent because he forged the actual owner of the title 's signature so I am unable to provide a receipt for the purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
I supposedly owe a medical debt according to the debt collector called Medicredit, they are trying to collect a debt on behalf of XXXX XXXX. I called Medicredit and was told I owed a debt in the amount of {$89.00}. I told her to send me a statement in the mail so I can see and verify it, as I have had communications with them before. she agreed to send the statement, this was in XXXX of this year. I never received a statement. I have paid debts that I owed to them in the past before, but not without having a statement and verifying whether I owe it or not. 

I have called them numerous times, 4 times in XXXX and 2 times in XXXX. They told me they wouldn't do anything for me unless ( I gave them my date of birth. ) I refused. I have never been asked for my date of birth from them before. I feel that is a personal question and it has nothing to do with sending me a statement. They already have my address and account number. All I want is my statement so I can look it over and verify information and pay if I owe. I have no documents to attach because they haven't or won't send me a statement that I am entitled too!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
When I consolidated my loans back in XXXX with Navient, they told me in 10 years I would be able to have my loans forgiven since I work for a non profit. 17 years later, I found out they were dishonest about my loan and I am still paying on it after working in the nonprofit field for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is knowingly reporting an account that has been reported as identity theft. 
XXXX XXXX Acct # : XXXX I have sent police reports, notarized statements, identification and social security cards to all three credit reporting agencies. Equifax is the only agency that is refusing to remove the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Letter was sent to Equifax dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Equifax then sent a verification of identity letter, which I did answer ( I also put a freeze on my credit report ) after verifying my information and applying the freeze on my report, Equifax Never answered 15 USC 1681n. I then sent a certified letter to Equifax regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Equifax could not locate a credit file. Equifax has violated several rights protected by the FTC. Equifax did remove some items on my credit report that were discharged in a  chapter XXXX bankruptcy BUT nothing further was done. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Equifax pay for violations, I ask that Equifax execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Date open XXXX Then it says original Balance XXXX but than says collection account XXXX past due as of XX/XX/2019 status updates XX/XX/2019 please look it to my credit report because I was with Lexington Law for 4 years and all accounts have been removed I thought until I just checked and there back on there and I would like to know how if items have been removed than they should stay removed. Please look over my credit report and fix the things that need to be fix. I paid Lexington Law a lot of money to fix my credit report to find out its not fixed so there is something very wrong going on and needs to be investigated and fixed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I received a high interest loan through J.D. BYRIDER / CarNow Acceptance Company ( CNAC ) located on XXXX XXXX XXXX XXXX in XXXX, Texas My vehicle was hit while parked on XX/XX/2020 by a drunk driving accident and assessed by the guilty parties insurance as a total loss damage I also informed my auto loan broker ( CNAC ) / auto dealer J.B. BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas of the auto accident that occurred on XX/XX/2020 along with my intent not to make an installment payment towards my auto loan until all of the particulars with the car accident was handled and the insurance check from the guilty party 's insurance company was to be dispersed on approximately XX/XX/2020 furthermore i informed the finance department of CNAC / J.B.BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas on approximately XX/XX/2020 as well as on XX/XX/2020 that I would no longer be making installment payments towards my auto loan until further details as to the initiation and implementation of the ( Pandemic Assurance Unemployment Benefits ) for Texas unemployment recipients due to the Covid-19 Pandemic On approximately XX/XX/2020 I attached and text a copy of my Work Search Notification Suspension Letter from the Texas Work Force Commission suspending our requirement to search for work due to the Covid-19 Pandemic as  well as my Statement Of Wages and Potential Benefit Amounts to prove my unemployment status thus placing me eligible to take advantage of the protections afforded to me by the Cares Act of 2020 never the less the Finance Manger for CNAC / J.B BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas only be known to me as XXXX still had the account placed in collections as well as added additional late fees along with extra finance charges to the remainder balance on the account

Company response to consumer: Closed with explanation