vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In mid-November 2019, BOA advertised a promotion for {$100.00} if you have direct deposit for 90 days. I visited the XXXX, MO, location and opened the checking account on XX/XX/XXXX. My direct deposits have been made biweekly since ; however, I still have not had the {$100.00} credited to my account. I have followed up several times by calling the customer assistance number, each time getting a different person and location ... even someone in Alabama. One representative told me I have to wait 180 days to receive the {$100.00} credit. In XXXX when I followed up, I was told the representative forgot to notate my account but the matter has been escalated. I have not heard back at all since that time. I have been getting the runaround and I feel BOA is being deceptive in their advertising. I want my account credited immediately for the {$100.00} advertised and an additional {$25.00} for the lost interest and use of the funds. I should not be penalized for their error.

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 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have repeatedly try to dispute this false collection on my credit report. The company refuses to take this off my report even though I do have a receipt in hand from my apartment complex showing I did pay the specified amount of {$260.00} on Move Out. This should have never been put on my credit report, and having an receipt should be enough to remove the collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
First of all I would like to say that I enjoy being with your company and the service that you provide. I have been with your company for a while now ; you have always treated me right. In the past, I ran into some personal issues that caused my account to be late multiple times. I accept that fact, and Im not disputing this debt at all. I just need your help as these late payments are hurting my score and preventing me from getting approved for what I want. I have been paying on time for a while now, but my score is still suffering. If possible, can you please forgive the late payments as a one-time courtesy so I can get my financial life back? This would really help me and my family. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received a Children 's Place Credit Card at my home address on XX/XX/2019. I did not apply for this credit card, I don't even shop at this store. I called the credit card company and it informed me that I had a credit limit of {$1000.00} and there was a credit amount already on the card for {$600.00}. I was unable to speak to a customer service representative due to being closed at the time of calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In reference to previous complaint # XXXX submitted on XX/XX/2019. Currently showing no response. They were allowed 15 days. This is an ongoing issue with Equifax and there lack of promptness and the habitual willfulness of negligence of the FCRA and noncompliance to investigations, method of verifications, and re-investigations. 

On XX/XX/2019, I Called Equifax again at XXXX and spoke with XXXX and I asked if I had any accounts in dispute. XXXX asked for my SS # and once I gave her my SS # she asked me what am I calling for, I stated that I wanted to know if my accounts are in dispute, she ask me why, I stated because I wanted to know. Then she put me on hold for 3 to 4 minutes. Once she returned to the phone she asked me for my personal information and verification questions. Once completed I asked the question again, do I have an active dispute open? Here is everything she verified and stated. A Dispute was opened XX/XX/2019 and it was completed XX/XX/2019 for Dept of Education for removing late payments, no changes were made. On XX/XX/2019 and on XX/XX/2019 the same day, it was completed for inquiries for XXXX it was verified. I stated that I received an email from autocap on XX/XX/2019 stating that XXXX XXXX XXXX has begun the process of having the inquiry deleted and theres no way they verified this inquiry. She stated that they can not delete inquiries and it will remain on my file for two years. On XX/XX/XXXX to XX/XX/XXXX confirmation # XXXX is not reporting on my report. XX/XX/2019 dispute completed the same day for address removal and name XXXX. On XX/XX/2019 letter received and completed on XX/XX/2019 XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX confirmation # XXXX it was submitted by certified mail on XX/XX/2019. However, the letter was not a dispute, it was a method of verification. On XX/XX/2019 a dispute was submitted for XXXX XXXX XXXX for late payment dispute still show on file, accounts were in deferment. On XX/XX/2019, but received on XX/XX/2019 no action was taken per XXXX ( consumer representative ) after receiving letter but they submitted a dispute without my request and XXXX agreed that I should have received a letter in 15 days and not a dispute per request as she read the letter provided to Equifax. She stated that she will note the file that I called in regards to the request for MOV and did not receive a response. XX/XX/2019 confirmation # XXXX and that was for collection XXXX and XXXX XXXX and completed on XX/XX/2019, XXXX XXXX was removed. XX/XX/2019 submitted a certified letter and XX/XX/2019 the certified letter was received by Equifax for dispute of XXXX XXXX, XXXX, and XXXX XXXX and received Driver License and SS # as well. XX/XX/2019 all accounts were consider verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

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 2019-06-26 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: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Issue : Transunion signed me up for a subscription service. The only actions I ever took with them was to freeze and unfreeze my report. I called customer service because their site started having login problems regardless of how many times you reset your password. It coincided with when this fraudulent charging began. I think they're doing it intentionally to prevent customers from being able to notice and cancel these subscriptions. 

XX/XX/19 - charged for " 3 credit bureau reporting '' {$21.00} XX/XX/19 - pending recurring subscription {$21.00} I have a screenshot taken today showing this service is not active on my account XXXX even prior to cancellation XXXX. 

The login problems still occur and I can show that as well if needed. Their site is full of problems and it wasn't like this before.

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 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX  XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I had taken a XXXX dollar student loan through Sallie Mae which was XXXX a semester. I withdrew a couple days into my second semester and the college tried to get me to pay them for second semester but I contacted them and it was fixed that I didnt have a balance and that they never received the XXXX for the other half from Sallie Mae. Since then I was unemployed and XXXX and in XXXX a lot and for several years I had told them that and asked for forbearance. In XXXX Navient still had my loans and my credit had been destroyed they put me in default and took my whole tax return. Now since then my lions were turned over to XXXX XXXX XXXX XXXX and Dept. of Education and Ive been on a repayment plan and out of default. I should not owe XXXX only XXXX. Im attaching all documents and would like to get refunded and the remainder of my balance eliminated and my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company holds four collection accounts under my name for credit card/medical debt. They constantly keep changing the dates of these collections on my account to make them look recent, when in fact they were over two years ago. They also keep changing the name of the collection agency from LVNV to Resurgent Capital Services, back and forth on my credit report with different and more current debt dates of the action ; thereby, keeping these accounts on my credit report with newer dates ( Both LVNV and Resurgent Capital Services use the same address and phone numbers.This is so they will not fall off within the seven years as required. Three of these debts are medically related and I have filed a complaint with the California State Dental Board against this company. I also notified the original creditors as well as the collection agencies of this dispute and filing with the State of California. These were all ignored as well as all my other correspondence with these creditors and collection agencies.I also just recently went through a natural disaster ( XXXX XXXX, XXXX California ) and lost everything. I have a FEMA Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Someone stole my identity and created this account. i have never had an account with XXXX in the state of Florida. The owner of this account should be prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prospect Financial Group, Inc
State: CA

Complaint narrative:
Hello. My name is XXXX XXXX and I recently refinanced my home with Prospect Financial. I dealt with a loan officer by the name of XXXX XXXX. I had a mortgage with XXXX XXXX and my interest rate was XXXX. XXXX XXXX persuaded me that by refinancing with Prospect Financial, I would decrease my mortgage payment. I did continue with the refinance and advised her that I wanted to continue with an escrow account, as I had with XXXX   XXXX. She assured me that I would have the escrow account included in my mortgage statement. When I was signing the loan documents, I noticed that the escrow account was not included in the final mortgage monthly payments. I advised XXXX XXXX of the discrepancy and she assured me that all I had to do was contact my new loan company and they would fix the problem. 

When I contacted XXXX XXXX  XXXX, they advised me that creating an escrow account was not as easy as she had led me to believe. When it was all said and done, my new mortgage payment was well over my original payment with XXXX XXXX. I paid over {$14000.00} to Prospect Financial in order to get a XXXX interest rate, that I already had, so I can pay {$40.00} a month less on my mortgage. 

I feel that I was misled and that this loan was not beneficial, nor in my best interest, to acquire.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I already canceled all the services and the XXXX  XXXX still charge me for next circle bill, I refused to pay them and the collector marked as debt, they said they decided when to stop my service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Credit Karma, LLC
State: FL

Complaint narrative:
I noticed on my Credit Karma report that there was a credit hard inquiry on my account ( first appearing on todays report, XX/XX/2019 ). I have not applied for an loans, apartments, new lines of credit, etc. Of course, Id like to know who and why theres a new hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: Conn's, Inc.
State: TX

Complaint narrative:
My consumer rights are being violated with the lack account balance information that your organization provides. A formal monthly statement has not been received via mail or made available online which indicates past monthly payment history including ( 1 ) how payments are applied to my account ( 2 ) potential errors for dispute and ( 3 ) indicate account summaries. 

This lack of consumer information is direction violation of the U.S. Consumer Protection Act including Texas Deceptive Trade Practices Consumer Protection Act ( DTPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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:
My bank and I have tried numerous times since XXXX 2017 to remove a duplicate item on my credit report. My bank has attempted corresponding with Experian to get this resolved, but them item remains on my report. My bank has provided letters that I have attached to my dispute, and each time, the dispute comes back as validated, and does not report the inaccurate item. I have attached the letters and email from my bank.

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 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
The account is fraudulent. I never opened this account. XXXX should confirm the identity and address of the owner before opening the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX, XXXX And XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. 

Bankruptcy # XXXX XXXX # XXXX XXXX consults # 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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.

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 2019-06-26 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: GA

Complaint narrative:
These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XXXX-XXXX-19, XXXX-XXXX-19,XXXX-XXXX-19. 

Bankruptcy # XXXX XXXX # XXXX 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 2019-06-26 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: OH

Complaint narrative:
Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.

Company response to consumer: Closed with non-monetary relief