vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2019 Started application for HELOC for my primary resident with Bank of America representative XXXX XXXX. Submitted usual documents to XXXX XXXX XXXX my liason with Merrill Lynch, who also added Bank of America representative XXXX XXXX XXXX to the beginning of the process for loan application.- Pay, W2, Tax info, Already had an established HELOC with XXXX & XXXX . Purpose of application was to move all accounts to Bank of America for convenience. Acknowledged by email that documents were received, in order and I also had my credit reports with XXXX, XXXX and XXXX unlocked for their process. 
Received email notification from My Home Owner Insurance XXXX XXXXthat they had been asked by Bank of America to remove XXXX XXXX XXXX as the mortgagee ( currently holding my existing HELOC ) to make the mortgagee to Bank of America. I immediately emailed XXXX XXXX what was going on and his reply was they were being " proactive '' while they were still reviewing my application. I told him that was not legal, called my insurance company to change it back to XXXX XXXX XXXX with instructions that all future changes must be reviewed by me. No response to my protest via email and no action to reverse this by Bank of America. I had to take the initiative to change it back. Also notified XXXX XXXX XXXX what was happening and they agreed it was improper. I have PDF copies of what Bank of America did, copies of emails to show this action and time line. 
I sent email back to XXXX XXXX, copying all parties that I was officially withdrawing my application. That this was shady practice and per banking and mortgage and insurance laws, what they did was illegal.

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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For more than six months, I have unsuccessfully tried to have Equifax put a credit freeze on my account. I tried online, over-the-phone, by U.S. mail ( following Equifax 's instructions, including a copy of driver 's license ). When I received a letter from Equifax that it couldn't place a freeze, I wrote to CEO XXXX XXXX on XX/XX/XXXX, demanding the freeze. I never heard from the company and wrote a second letter. After my second letter, employee XXXX XXXX emailed me in XX/XX/XXXX. As he requested, I gave him my phone number, but he never call me. I called him three times --XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX --  before he returned my call. Bottom line : Equifax hasn't placed a freeze on my account. I have successfully placed freezes with XXXX, XXXX, XXXX and XXXX. The motivation for is my personal information was stolen in Equifax 's data breach. I am concerned about my identify theft and want this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
Switched mobile carriers years ago from XXXX to XXXX. My bill was supposed to be paid by XXXX then they charge me. Now a company XXXX XXXX is continuously selecting my efforts to resolve this. 

Last four of my SSN is XXXX Website wouldn't let me enter it in the box it said to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
XX/XX/XXXX Re : Complaint against Sun Trust Previously I already reported three times regarding Sun Trust bank repeatedly deduct {$20.00} from my personal checking account ending in XXXX in XXXX, XXXX, XX/XX/XXXX. Now I experienced another {$20.00} deduction on XX/XX/XXXX for the same account. The previous CFPB Complaint number were XXXX and XXXX. Per the attached response letter from Sun Trust bank, the executive team staff named XXXX XXXX stated that " the fee that was assessed on XX/XX/XXXX was refunded on XX/XX/XXXX. The accounts are now properly linked. It may take a complete billing cycle for the change to take effect. In the event a fee is assessed for the month of XXXX, it will be refunded ''. As I already complained this bank that all accounts were linked together from XX/XX/XXXX. Each month all my accounts met minimum balance requirements to waive monthly service fee. In my previous Complaint I have attached Sun Trust consumer fee schedule showing my account ending in XXXX not only linked with business account but also linked with savings account with balance at least {$10000.00}. Therefore all my accounts were never charged fee before XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX It was intentional stealing money caused this problem. 

I still insist ask this bank to pay insufficient new accounts bonus {$500.00} as attached. Per the promotion bonus offer, I have completed 10 debit purchase and {$500.00} direct deposit. It was different kind of promotion offer from Sun Trust. However Sun Trust repeatedly confuse two different promotion offer. 

The third issue was regarding deny Master card holder benefits. Several claims have been denied due to satisfaction guaranteed and purchase assurance claims in the amount of {$3.00}. 

The fourth issue is for unpaid compensation for repeated account damages from XX/XX/XXXX to today. This bank caused this problem, this bank must pay my damages such as my time to prepare Complaint 4 times. My personal time is very valuable {$300.00} per hour. It takes me 5 months to suffer anger, irritation, anxiety, pain, distress as personal injury caused by Sun Trust. Per my previous Complaint I also complained repeated harassment and invade of my privacy such as release my banking information to unknown parties. Because of the extremely unstable and theft banking experience, Reopen new accounts will bring me all kinds of inconvenience. I am asking compensation of damages {$25000.00} for hurting my credit.

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 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have called Navient repeatedly to discuss lowering my monthly payment amount on my loans from {$660.00} per month to something much more manageable since I do not make anywhere near that amount per month. The most I can comfortably afford to pay is, at most, {$75.00} per month. Every time I asked about lowering the payments I was told to apply for forbearance. I have told them to mail me the paperwork to apply and I have not received the paperwork. This has been occurring for 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Specialists, Inc.
State: ND

Complaint narrative:
Is over two years ago this company I lived property rent when I moved out they ask me some money for property damage company name : XXXX XXXX XXXX I live with roommates this property they asked me to pay for it only me I was not live in by myself I have roommate I try to pay for it some payments amount of money its was {$1000.00} I almost paid half of it this amount balance is {$500.00} I cant afford it this money

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have called transunion to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXXXXXX XXXX via -XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX  -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.

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 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I recently applied for public service loan forgiveness and was approved and place with FedLoans as my student loan servicer. I completed all of their online documentation and opted to complete online payments. Additionally, prior to being placed with this scam company, I completed the federal application to renew my income-driven payment application which was approved and accepted by XXXX XXXX student loan servicer. 

First, FedLoan claims my bank ( XXXX ) rejected my online payment because they couldn't find my account. In doing my research this is a common complaint people have about this company. I logged into my account to review what I had entered and all the information was correct. I contacted FedLoans and was given the same song and dance, I explained the I pay Navient Loan servicer every month using the same account information. In speaking to my bank, no payment from FedLoans was ever sent to XXXX with an account similar to my account or my account number. 

Then, I received a message that I had failed to complete the Federal Student Loan Income-Driven Recertification application so, now I owe {$2500.00}. When I called I explained I completed the recertification process on XX/XX/2019, and I was told that the application was insufficient and I had to complete it again. In the meantime, I receive correspondence from XXXX stating my income-driven recertification application was denied because it was not time to recertify my application. 

It is plain to see that this is a scam of a company and they are being allowed to force consumers to pay outrageous amounts through unscrupulous business practices that border on the line of illegal and are most certainly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX.. 

Please remove my number from my credit report thats not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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 writing this to ask you to remove this collection from my credit report since it a fraudulent. I attached the document that was sent to my attorney from XXXX XXXX XXXX. The signature on the contract was forged by the salesman, and the personal check is fraudulent. At the end of the document, you can see my signature on the certified letter to request the paperwork. I also attached a copy of my driver 's license for you to verified my signature. This is a fraudulent contract and an invalid contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX 

Please remove my number from my credit report thats not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Constant and threatening calls when I had already called and they told me that they would investigate if I did not make such purchases and cancel the bill. We are people of XXXX  and XXXX  who have never had problems with accounts and right now we have no debt. We want a quiet time. I hope you can help me since the calls are daily and up to 5 times a day any time.

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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I called Equifax to get my free credit report. I was transferred to a call center in XXXX where I am 99.9 % sure they sold my information because shortly their after my identity was stolen. On XX/XX/XXXX I tried to place a credit freeze/lock on my account with Equifax, and they wont do it. I easily was able to place a credit freeze/ lock with XXXX   and XXXX. There is serious fraud happening inside Equifax. Someone needs to investigate what is going on there. And they need to be shut down. Even my bank told me to never call Equifax. We should be able to trust contacting our credit agencies. This is extremely corrupt and I feel helpless in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Theses are not my accounts reporting.

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 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I received a loan modification in 2015 in the form of a principal reduction. The terms of the loan will be up in XXXX of this year. Starting last XXXX, I sent an inquiry to Dovenmuehle [ the mortgage servicer ] to find out what I needed to do to get proof that I have fulfilled the terms of the loan modification. I have lost count of the number of times I have called them or emailed them. I have received no less than 8 letters from them, all stating they are working on my inquiry and will respond in the time allotted by law. That does not include the email responses that say the same thing. To date [ 3 and a half months later ], I have received absolutely no form of answer from them, except that they repeat the information I have given them, and then state they hope that answers my question. 
I have gone ahead and initiated a mortgage refinance with another company without knowing if Dovenmuehle will accept that I have fulfilled the modification requirements. All I wanted from them was a simple answer, which I can not seem to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: DE

Complaint narrative:
Investigation did not fix error. Equifax said I am a credit repair company, I am stating that I am not a credit repair company and this account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE FAILED TO FURNISH 1099-C FOR ALL MY ACCOUNTS WITH THEM AND WAITING FOR ALL DEBT CANCELLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Nelnet, Inc.
State: IL

Complaint narrative:
My student loans are reported as delinquent in XX/XX/XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AFNI INC.
State: MI

Complaint narrative:
I have called XXXX  to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXX XXXX  via -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
COMENITY CAPITAL FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, XXXX  ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay Aviator Mastercard issued me a bill where the total does not add up to the transactions shown on the statement. This is simply a math problem with their statement ( copy attached ). I contacted the card issuer and they informed me that their computers would not make a mistake and the math does add up. When I pointed out this is demonstrably false, they asserted that they did not have access to my printed statements. They then changed their opinion and suggested I needed to include 9 charges that are not shown on the statement, but would be provided at some time in the future, in order for the math to add up.

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