vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a transaction on Friday, XX/XX/XXXX, of {$170.00} through XXXX. The payment was for an XXXX XXXX XXXX on XXXX XXXX. I contacted the merchant, XXXX XXXX, that day. He listed the phone for {$180.00}, but he gave me {$20.00} off, so I paid {$160.00} and {$10.00} for shipping. I sent {$170.00} to his XXXX : XXXX XXXX. 

He told me he was going to ship it the next day, Saturday, XX/XX/XXXX. I tried to message him in the afternoon of that day to confirm if he shipped it, and I got a message from XXXX saying, the person can not receive messages right now. I tried to look up his XXXX account, but I could not find it. I do not know this merchant, and I have no way to contact him. 

I contacted XXXX Support on XX/XX/XXXX. They kept pushing me back and forth between multiple agents. and all agents did anything other than sending me canned responses that did not address my issue. I requested the fund from him twice through XXXX, and he declined it. 

I reached out to my bank ; Bank of America and filed a claim on XX/XX/XXXX. I provided proof of my transaction and other supporting documents for my claim. A temporary credit of {$170.00} was sent to my account while they researched my claim. I got a message from my bank on XX/XX/XXXX saying my claim has been closed, and they are unable to pay me because XXXX has successfully completed the transaction. The temporary credit will be deducted from my account on XX/XX/XXXX. 

The merchant is a SCAM. It has been 21 days since my transaction, and I have not received my item. It is unfair that my bank was not able to help me get my refund. Please, I am reaching out to you as a last resort. I do not know anyone else that can help me.

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 2020-11-06 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: CT

Complaint narrative:
Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  Experian and XXXX  and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft

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 2020-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: AK

Complaint narrative:
Lending Club reported this account as delinquent and ruined my credit. Their claim is false because their Payment Solutions Headquarters/Collections signed for my payment of {$19000.00} on XX/XX/2020. The payment wasn't due for Loan ID # XXXX until XX/XX/2020 and the payment was made in full. Lending Club locked me out of my account after I cancelled the consolidation loan. I cancelled the loan the same week it was approved because it was a bait and switch. I applied and was approved for a {$20000.00} line of credit at 16 % and Lending Club switched it to {$19000.00}. Lending Club agreed to accepting the {$19000.00} as full payment, if paid by XX/XX/2020. Lending Club lost my payment, which they signed for on XX/XX/2020 and the payment wasn't applied to loan ID # XXXX until XX/XX/2020. Also, Lending Club made an unauthorized withdrawal from my checking account on XX/XX/2020 and on XX/XX/2020 for {$19000.00}, which overdrew my account by several thousand dollars. I called Lending Club on XX/XX/2020 to follow up on my payment and the rep said that they still hadn't found the check. I told him that I was having the bank put a stop payment on the check and to call me if they found it, so I could have the stop payment lifted. Instead, Lending Club attempted to cash the check with the stop payment applied and the never contacted me when they found the check. As a result, the check was returned and I couldn't retrieve the funds until after 90 days. Lending Club agreed to accept the payment and close the loan if paid on XX/XX/2020, {$19000.00} pain in full. However, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 and I wasn't able to make an appointment with the bank until XX/XX/2020. Had they not attempted to cash the check with the stop payment applied, it would have automatically populated to my account on XX/XX/2020. Also, I could have lifted the stop payment, even before that, had they notified me when they found the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: MO

Complaint narrative:
The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX  ( XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX  ( XXXX ) 4. XXXX XXXX XXXX  ( XXXX ) 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX ( 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 2020-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: NY

Complaint narrative:
Global Lending is a fraudulent company they are trying to collect a debt that is not owed, they have no records of such debt and continued to allow this debt to be in my. Credit report. 

They have no valid information for me to investigate and they have not submitted to me any validation of this debt include signed documents and proven balance. This is not a valid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
Contacted me with two repeat calls that I did not answer ( did not leave voicemail ). 

I answered on the third call. Asked my name and tried to verify me using an incorrect social security number. 

Would not state the nature of the call or type of company that it was for privacy reasons. Caller stated he was with EOS CCA. 

Tried to indicate the address they had for me - which was not an address I have everhad, but IS an address close to my current location. 

Would not provide any information about why he was calling or what the company was until I would provide social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: NV

Complaint narrative:
General Revenue sent out a collection letter XX/XX/2020. In this letter it states " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. Upon your written request within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

General Revenue place this collection account on my credit report XX/XX/XXXXbefore validation was done, or even notifying me that there even was a collection account. I never received a letter from them until XX/XX/2020 and they mailed it out XX/XX/2020. 3 days after placing it on my credit report. 

I received this letter XX/XX/2020 and sent out a Request for Validation letter XX/XX/2020. This is not my account and has now dropped my credit score because this fraudulent account was placed on my credit report and the collection agency violated my 609 rights to have accurate information placed on my credit and gave false information and tactics in their letter of stating that sending written notice within 30 days to dispute the validity and placed this collection account on my credit before I was even notified that there was a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from XXXX dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from TransUnion saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX  saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 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 2020-11-06 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: CT

Complaint narrative:
Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to transunion XXXX and XXXX and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft

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 2020-11-06 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: CT

Complaint narrative:
Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  XXXX  and equifax and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I got a notice that from a credit bureau on XX/XX/2020 that my student loans were in a state of deferment. I called Navient on XX/XX/2020 and found out that they automatically put both my subsidized and unsubsidized loans in a state of deferment without my consent. The customer service rep tried to tell me I was " saving money ''. I asked why they didn't ask me, and she said it is automatic, and I would get a letter soon to say they did it. 

This action could have cost me increased interest and lengthened the loan I have without my consent. While they did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
This account just popped up on my credit and had a devastating effect on my credit, the collection is for the creditor XXXX and i don't even use XXXX as my carrier. 
it appeared in XX/XX/2020 in the amount of {$1200.00}. i am stating unequivocally that i had nothing to do with this account or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Resolution Group, LLC
State: CA

Complaint narrative:
This company has engaged in intimidation tactics and harassment, as well as violating the Fair Debt Collection Practices Act. 

They started contacting me on XX/XX/XXXX using a 3rd party called XXXX XXXX XXXX. This 3rd party contacted my brother as well on this day. Both messages mentioned that a civil suit was scheduled to be issued in XXXX county. Asking me to contact Global Resolution Services. 

XXXX XXXX XXXX contacted again on XX/XX/XXXX asking me to get contact Global Resolution Services regarding a pending civil suit scheduled to be filed out to XXXX county. 

The advocate program, I'm assuming another 3rd party contacted me on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through tomorrow. They asked me to contact Global Resolution Services. My brother was contacted again and my mother was contacted for the first time. 

The advocate program contacted again on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through Monday morning. They asked me to contact Global Resolution Services. 

Global and associate, I'm assuming is Global Resolution Services contacted me on XXXX for a case that their office is handling that is pending litigation. If they didn't hear from me by end of day they would mark as an intentional refusal to comply. If I refuse to contest the allegations a default judgement will be filed without my consent. They contacted my brother again, my mother again, and my father. My mother did answer this call to ask them to stop calling and they discussed details of the alleged debt with my mother. 

This company has shown a pattern of intimidation by threatening litigation and a cilvil suit for over 2 months. This has caused me emotional distress. 

They have violated the Fair Debt Collection Practices Act by contacting my family members multiple times and discussing details of the alleged debt with my family. 

Cease and desist is being mailed out XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX  ( XXXX ) 4. XXXX XXXXXXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Navient automatically placed my loam into a disaster payment deferral in XXXX without my permission. I am in progress of trying to refinance my primary residence, and investment property. Although this did not impact my credit score, they placed a note on my XXXX credit report stating I am impacted by a natural disaster and that my loan payments are in deferment. I never advised I was impacted by a disaster, I never requested any assistance, but they made these adjustments without my permission. I am now dealing with questions as Im managing a refinance. I called and they apologized for placing this in a deferment status, and impact it had on refinancing. I said I want a better answer why they would do this without my permission and they could not answer this. This is highly irritating, an inconvenience and down right unacceptable they are able to make adjustments to my loan without my permission. The impact can not be undone for what Im dealing with and I cant understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was recently denied my graduate student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " Midland funding '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX  XXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Funds were taken away from my account without me realizing it. I was unaware that this was happening. Never gave anyone my information about my debit card. Havent used my debit card it was locked in. I called the bank to let them know my problem they told me well get back to you in 5-9 days, since the amount was of XXXX dollars. I told them okay now I am checking my email now that 9 days have passed to see that my claim was closed and no money was given back. They did no help me at all and do not want to give me back any amount when I clearly told them it was not me. I need help because its not affair that theyre not helping me. I need my money back were not in the time for me to lose this much money when it wasnt me.

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 2020-11-06 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:
I have already filed a complaint against Bank of America. # XXXX ; OMB # XXXX. Bank of America still refuses to return my money from Collections etc. that I have done everything I could to prove they fraudulently took over XXXX $ of my money. 
Furthermore, while investigating my credit reports I have discovered that BOA has been purposely incorrectly reporting that I have been carrying high balances and not paying on my credit card for years! I have filed disputes as I never ever carry balances and I always pay off my card every month. XXXX and XXXX  disputes are being taken care of as XXXX and other federal agencies are also involved for some reason XXXX still is not being fixed. 
There is a XXXX XXXX from BOA who refuses to call at a time where I can actually return her call. She refuses to return her emails. Again, I am at my wits end. This XXXX is supposed to be a Resolution Specialist of Regulatory Complaints XXXX ext. XXXX I would like my money back from Collections etc. Which is in excess of over {$200.00} and from the fraud that I reported from the XXXX account $ XXXX.I am also expecting BOA to fix their nonsense and correct all information on my credit reports. They have been lolligagging for far too long.

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