vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Due to XXXX l had a payment waiver because I became extremely XXXX  due to XXXXBank America Visa contacted the three credit bureaus and stated that I was 30days late with a payment when I had a Covid19 wavier from payments. The period in question is XX/XX/2021, amt. {$870.00}, 30 days.

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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had a bunch of overdraft and NSF fees totaling {$1400.00}. I spoke to the bank several times about this and was simply told, It was my fault and nothing they can do about it. Starting XXXX to XXXX I was charged these fees and they allowed XXXX XXXX to keep pulling these debit card transactions and charging me {$140.00} NSF fees each time. It totaled over {$1200.00} and these transactions were {$10.00}, {$20.00}, transactions. I contacted them XXXX when I first noticed and was told there was nothing they can do. I explained that I received a letter directly from BMO Harris that no overdraft fees would be charged to customers due to the pandemic and they simply denied any letter existed. I have messaged them several times on my online banking with no response or a response they will not refund these fees back. I also had my spouses stimulus payment come in during this time and they held it 5-6 days while allowing these {$140.00}, {$100.00} transactions to keep negativing out my account still. Took them about a week to deposit that into my account. The week on XX/XX/2021 I also seen they had deposited my {$200.00} promo credit which I got for opening this account, then a week later they pulled it back out with no notice given and it cause my check to bounce and they charged me another {$36.00} overdraft fee XXXX for that and it was a bank error. I messaged them and called several times between XXXX about that prior to my check going through and they said that promo was taken out due to bank error and I wouldnt be charged any overdraft fees, but I was and the check didnt clear so I now has to go to the vendor and pay that check and their {$35.00} fee on top of this. I feel like Ive been completely taken advantage of as a customer and I have not opted in for overdraft coverage and they have never paid any of these transactions just charged {$36.00} and {$140.00} fees for a {$10.00} debit card transactions. I have called and sent several messages and they will not refund any of these fees and wont even help. They took over {$1200.00} from stimulus money which I could of used for our family of XXXX. I am XXXX and can not work and my spouse is on unemployment and we have XXXX children. We can not afford to give BMO Harris Bank {$1500.00} in bank fees nor should it be allowed.

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 2021-05-07 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX  XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-05-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have files a dispute in regards to the in correct items on my credit report. it has been well over 30 days and i haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have files a dispute in regards to the in correct items on my credit report. it has been well over 30 days and i haven't received my investigation results.

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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I made five disputes for my Navy Federal Debit card ending in XXXX for checking account XXXX. 

I submitted the evidence. Evidence is the SAME for all 5 disputes. 

Navy Federal decided in my favor for 2 of the 5 disputes, therefore ruling against me for 3 of the 5 disputes. 

This is DESPITE the evidence being the same for all disputes. 

I submitted proof I returned my orders. Apparently is was good for 2 of the 5 disputes. Why is that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
Ive attempted to dispute this account multiple times and they continue to say this is MY debt. I told them someone opened an account in my name and theyre still attempting to collect this debt from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I got a loan with Nertcredit last year for XXXX and from the time of me having the loan, I have only paid down to a couple of hundred dollars. The interest on this loan is extremely high. When I read about NetCredit Loans, apparently there has been a lawsuit against this Company because of charging people high-interest rates. I was unaware of the interest at the time. With the interest rate, I'll be paying back XXXX. I have been trying to contact them about this. I would love to settle this and stop paying on this high-interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
i sold my XXXX to an existing employee .. we filled out the take over of the BOA visa cards .. They accepted his paperwork and mine also. BOA DID NOT TAKE ME OFF AS RESPONSIBLE PARTY they did take new borrow info. a XXXX XXXX hung up on me after 54 minutes on the phone. she explained there was an issue with New borrow not filling out paperwork correctly. I explained that was not my problem as they already accepted him as a borrower. they have not removed me as a responsible party ... .I have called in on numerous occasions with no response, i have sent paperwork on several occasions, i visited the branch today with the same lack of effort and response ... XXXX XXXX is a XXXX horrible customer service person.

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Today I received a collection call from Carrington Mortgage. I have until the XXXX each month to post payment. Snail mail is slow, they charge a ridiculous fee for bank to bank transactions so I mail my payment. Today XX/XX/21 their collection goons called and I have 8 days left in the grace period. This is the worst mortgage company I've ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have several issues I need to address with Bank of America and if I need to individualize my complaints I will do so. I will outline them as follows : In early XXXX Bank of America closed all of my associated accounts. 
This included a money market merrill lynch account, personal checking, business checking, personal credit cards, and business credits cards. 

I was not given a reason why my accounts were closed and the bank would not work wit me on an explanation or reinstate my accounts. 
My first request would be to reopen my accounts. 

My 2nd request would be receive the points I earned as a statement credit. I accrued XXXX~ points ( equivalent to {$440.00} ) when redeemed as a statement credit to the bank of america premium rewards personal card. I contact bank of america in XXXX and in XXXX to redeem these points, they told me this was not possible but they could mail me a check, I have not received a check for these points. The conversation I had with the bank of america representative who implicitly guaranteed I would be receiving a check for the amount of the points at XXXX cent per point ( {$440.00} ). A screenshot of my account with the points is included in this claim. 

My 3rd request is for the {$1000.00} offer I am due as part of opening the XXXX XXXX account, I met all requirements and confirmed with a XXXX XXXX chat agent on XXXX XX/XX/XXXX that I would receive the {$1000.00} bonus on XX/XX/XXXX, however my accounts were closed and the bonus never posted. I have attached a screenshot of that conversation.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: TX

Complaint narrative:
GENERAL REVENUE CORP hasn't validated this allege debt and is seeking to get money from me as well as report negative debt to the credit reporting agencies. I don't owe this money to them. I asked for the CFPB help on XX/XX/2021 and I have yet to get any resolutions. Its still being reported and I feel General Revenue Corp is getting a way with murder. I feel discriminated against because I am XXXX and they think I don't know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The American Express reporting Charge-Off in my personal credit account. This was strictly for business. My business investment possessed fraudulently. 

Please see the factual detail : The American Express card was strictly used for my business in Hawaii. 

This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with American Express and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit as this was strictly for business. As my business investment fraudulently possessed since 2017 '' Please remove this negative item of Charge-Off from my credit. 

Your consideration is required and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I sent 2 certified letters to Caine and Weiner and still no response.The allege debt is for the amount of {$280.00}, Twice I have asked them to validate their claim and send supporting documents to me. They have failed to do so, time and time again. Its past the time for them to respond and yet they are continuing to report this bad debt on my credit report. This action is against the FCRA and I need it to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
I attended The University ( XXXX XXXX University ) under Chapter XXXX. An assistance program for XXXX veterans until stricken with advanced congestive XXXX XXXX and hospitalized. Since the VA paid the university for my schooling i had to set up payments to repay some of the dispersed funds to the VA and did so over the course of 2 years. The university claimed that i owed them monies as well but my school was being paid for by the VA. Obviously an attempt to swindle further monies from a XXXX veteran. I have since been harassed by debt collection agency ( Key 2 recovery ) who has made negative reports to my credit and threatened further legal action against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX CREDIT CARD Firstsource Advantage , LLC I settle the account with Firstsource on the ammount of {$520.00} and this company was going to notify XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD and delete it from my credit report but it does not show on my credit report, it shows that the account was reduced by {$520.00}, still shows that I still owe XXXX  money. I settled the account for {$520.00} and they were going to delete it from my Credit Report. I have the letters they send me of total deletion. Please DELETE THE COLLECTION FROM MY CREDIT REPORT AS THEY PROMESSED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: MS

Complaint narrative:
I Signed up with Freedom Dept Relief, in I think 2018 Freedom dept relief, said that I pay them and in turn they would pay off my Creditors. 
What happened was that I paid Freedom Dept Relief monthly, They did nothing with my Money, except ruin my Credit, My depts were not paid and my credit was ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am in the process of a mortgage refinance with XXXX XXXX. 

To ascertain the interest rates for my refinance, XXXX XXXX receives a FICO credit score from a company in Colorado, Factual Data <www.factualdata.com>, I monitor my credit regularly and assiduously directly with the three credit reporting agencies, Equifax , Experian , and XXXX XXXX . I have received the online " FICO scores '' they produce for consumers like myself. However, the scores that are being reported to my lender, XXXX XXXX, from Factual Data and XXXX are wildly out of sync with the scores I am receiving directly from the credit reporting agencies. This results in a higher cost loan for me. 

When I contacted Factual Data, they claimed that they were simply reporting the FICO scores. I realize that there are different " flavors '' and " models '' for XXXX scores. Factual Data sent me to XXXX for an explanation. But XXXX on XXXX will not talk to me about my credit score unless I pay them a fee. 

Consumers are supposed to be able to receive a credit score annually for free. This does not, apparently, include the XXXX score, which must be paid for. I did pay to receive these scores, but they were apparently not " true '' XXXX scores, and I can't even begin to negotiate with XXXX to obtain the " true '' scores used by my mortgage lender unless I pay them an additional fee. So these scores were effectively worthless. 

Even then, if I were to pay XXXX, I realized that I have no guarantee that they would provide me with an adequate explanation for the discrepancy between the " true '' scores provided to my lender and those provided to me by the credit reporting agencies. So I stopped throwing money at this problem. 

This credit reporting process is clearly not transparent in any way, and it has direct impact on the cost of any mortgage ( or other ) loan. I believe that both FICO and the credit reporting agencies are engaging in deceptive practices that consumers have no way to counteract, and charging money to do so. The credit scores under these circumstances are a XXXX box for consumers. Anything the CFPB can do to help consumers obtain clear and accurate information will be applauded by me, and I suspect by millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: IL

Complaint narrative:
On XX/XX/XXXX I disputed Experians failure to accurately report information surrounding a credit card that I have had for over 9 years. I contacted my credit card company, XXXX XXXX who advised they have been sending the information to experian. Experian is NOT updating my credit report with accurate data. As a result I am suffering from increased interest rates from various institutions because of Experians unwillingness to investigate issues on their side.

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 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: SD

Complaint narrative:
I woke up to see {$1500.00} had been withdrawn from my account at XXXX XXXX, and didn't have time to investigate so I had them temporarily lock the account. It's been over a month now and I've submitted 10 tickets for support. Each gives me a canned response of " We'll get back to you in 3 or 4 days. '' My account is still locked, I can't access, let alone transfer/withdraw funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT AS A RESULT OF THAT ACCOUNTS WERE OPEN UNDER MY NAME THAT ARE NOT MINE AS FOLLOW DISCOVER FINANCIAL SERVICES # XXXX ....

Company response to consumer: Closed with non-monetary relief