vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Well it all started i opened a Bank Of America checking account and everyting was going fine i was working depositing money weekly. Until one week work got slow so i decided to take a two day job with a guy who posted an ad on craiglist. Which was suppose to be cash at end of each day but pulled giving me a check on the second day. I deposited as always and thinking nothing of it and took money out for the weekend, not knowing that this guy i only know for 16 hours would have such an impact of my future of being able to survive in a world if you dont have a bank account you can not do anything anymore since everying is thru apps on phone which only take debit cards. But long story straight this guy paid me in a check that the check account it was realated to was closed. And me knowing nothing about this Bank Of America closed my checking account immediately and closeing my account and labeled me as fraudent activity when i had nothing to do with anyone i was actually played as a fool and worst part the bank had nothing to say execpt good by and has no furthur contact with me even though i had tried and tried. I was set up and Bank of america took the easy route and blamed the guy who got scammed. They have no proof against me at all they just needed an escape goat and thhey used the easiest target they could find and they have ruined my life long enought. Im willing to get lawyers and make it go viral on social media because i have heard thousands of people cliaming Bank of america has done this to thousands of good people im guessing a tax rit off and proberly a pay out. But like i said. I have been collecting signatures for a very long time and my aunt a close friend with a senator is on ourr sides. But i will bring a lawyer i will contact the general attorneys office the press and make this go viral where bank of america cant hide behind anyting anymore. I will not suffer for these people anymore.

On that note i am begging you to 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 2019-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MS

Complaint narrative:
On XX/XX/XXXX the Illinois disbursement unit sent a payment of XXXX to Way to go card and also on XX/XX/XXXX XXXX. The monies never came to my card. I contacted the disbursement unit and which they assured it went to Way to go. I have called Way to go from XXXX XXXX up to XXXX XXXX  today XX/XX/XXXX. I've spoke with over 10 different reps, transferred to level 2 several of times. I guy told me that my monies was sent to XXXX XXXX and he thinks my account was hacked and went on to say he had the routing and account number and someone must got a hold of my personal information. So he transferred me to the fraud dept and no one never answered after being on hold for a hour or more. I spoke to another rep around XXXX and he said I need to go to the local office, mind u I haven't lived in Illinois in 3 years. I explained I live in Mississippi and that my payments have been fine for many years. They are telling me that someone opened up direct deposit and that's where the money went and they aren't able to replace it. 
The disbursement unit sent monies to them and they sent it to a direct deposit and not my card, but last month there was no problems. Way to go keeps giving me the run around and telling me to contact ILSDU and XXXX XXXX office when clearly they are the ones who messed up and are telling me they can't do anything and constantly transferring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: WI

Complaint narrative:
Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.

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 2019-10-04 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: NJ

Complaint narrative:
I checked my Experian credit report and I saw evidence of possible fraud or identity theft on my account. There have been a few hard inquiries that I don't recognize ( one being from XXXX  ), but the biggest issue is a collection account. This account was apparently opened on XX/XX/2019 showing the creditor is from XXXX XXXX XXXX with the original creditor being XXXX XXXX. I do not know what this account is and I have also never had an XXXX account at any point. The account is for {$5900.00} and I should have no active credit inquires, hard or soft, this year. Upon researching this company, there are others saying this company is a scam debt collector. I don't want to call them and give them any personal information, as I didn't open this account to begin with. 

I have since filed a dispute claim with Experian, but have not heard anything back.

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 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have been getting collection calls from navient. They used to only hold my private loans but they are now saying they have two federal student loans they were collecting on. My complaint is that they collected on my federal loans without telling me they were the federal loans. I didn't even know navient had 2 of my federal loans. I know the options available and consumer protections in place for federal because I also have XXXX who manages my federal loans ( and do a good job ). With Navient In setting up payments, however, I was not told that the payments I was setting up were for my federal loans since I didn't know they owned those XXXX. Furthermore, the payments I set up, in the amount of XXXX every two weeks, with Navient.I was under the assumption were to be allocated across all of my private student loans. Upon calling in to reschedule a payment a customer service rep informed me the payments were only for my 2 federal student loans they owned and that they were set up incorrectly. They should only have been for XXXX. Every two weeks Because it was only for the 2 federal loans. Only I was told it was for all of my private loans and that they'd be garnishing my paycheck or taking my house next. So I set the payments up. 
Meanwhile I'm also getting collection calls from the other navient, navient collections ... which is why I complained to the previous mentioned agent in the first place it's like they were two different companies and I didn't know. They were both collecting but I thought they were one entity. Deceptive collecting and incorrect info given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: WI

Complaint narrative:
Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX  XXXX XXXX plus more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: WI

Complaint narrative:
Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.

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 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: TX

Complaint narrative:
Dates I've been contacted : XX/XX/19 ( two times ), XX/XX/19, XX/XX/19, XX/XX/19 ( three times ), XX/XX/19 ( five times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ), XX/XX/19 ( five times ), XX/XX/19 ( three times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Beginning XX/XX/2019 a fraudulent address was brought to my attention by XXXX. I followed the XXXX recommendations. In XX/XX/2019 I called my mortage company, Ditech Financial, LLC about my XXXX monthly billing statement. Ditech sent my billing statement to the fraudulent address. Ditech customer service received a power of attorney paperwork for a change of address without verifying the address which I informed Ditech was fraudulent. Ditech informed me that the only way to get a new account number was to refinance with Ditech. WHY WOULD I REFINANCE WITH DITECH WHEN THEY GAVE OUT PERSONAL INFORMATION WITHOUT MY PRIOR APPROVAL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
are working on behalf of the homeowner and are working on a short sale. The short sale was closed out without due notice and we were informed that SPS can no longer open a short sale case on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello, Navient is reporting 11 months past due for student loan accounts. The months for past due are listed from XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. 

However, I informed Navient of deferment requests multiple times. My first notification occurred in XX/XX/XXXX, requesting deferment due to economic hardship. Their company was notified and provided documentation of my financial situation. I have lived in poverty for my entire life. My income is typically {$12000.00} per year. My XXXX son prevents me from working full time. 

To resolve the problem, I have contacted Navient and provided proof of my economic hardships. As proof, a statement showing government aid for food stamps was provided from XX/XX/XXXX thru XX/XX/XXXX. I have been on government assistance for food most of my entire adult life. In addition, I have filed disputes with the credit bureau agencies but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST MIDWEST BANCORP, INC.
State: IN

Complaint narrative:
In XX/XX/2019, I noticed there was a link to open First Midwest Bank account online, so I went through the link, filled all my information and submitted my application. A week later, I noticed my account was open and I had the online access to manage my account, so I used the ACH system to transfer my money to my new account. Everything looks good. However, two days later, I noticed I lose my access for online account and my debit card as well. Then I checked with the bank. They mentioned they need more documentation to open the account and activate it, and requested my to mail several documentations to certain location. I didn't feel safe to mail my personal info, so I refused to do that and requested to close my account and send me my money back. But they didn't allow me to do that. They don't allow me to close the account and didn't want to send me money back. Tried several numbers to fix it, but still can not. Right now, I still receive the statement from the bank, but I lose all the access to this account, even for my own money.

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 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Friday XX/XX/XXXX I searched in the web XXXX for a XXXX XXXX which was listed for sale. I called the telephone number XXXX and talk to XXXX and XXXX about the details of the truck and price. They texted picture of XXXX XXXX XXXX XXXX model which I like the specification and price was agreed for this truck was {$15000.00}. XXXX whole sales company emailed the invoice for {$15000.00}. On XX/XX/XXXX XXXX called me and asked for {$2000.00} to security deposit to secure the truck. I paid {$1900.00} through Chase Bank telephone app XXXX. On XX/XX/XXXX XXXX called and asked to pay {$2000.00}, I paid through Chase bank telephone app XXXX, total payment of {$3900.00} to XXXX for the cost of truck. 
XXXX said they have two office one in XXXX XXXX XXXX, XXXX, TN XXXX and other is XXXX XXXX XXXX XXXX XXXX, CO XXXX and truck is located at XXXX, Co. On XX/XX/XXXX we flew to XXXX to pick up the truck. But we realized that we lost {$3900.00} because there is no company, no truck it was a fraud company. The following telephone number they used : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, they have two web sites XXXX and other one is XXXX. I contacted XXXX and Chase Bank fraud department but both refused to help me for the losses I incurred

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: TX

Complaint narrative:
I reached out to SoFi Mortgage for a potential refi ( conventional ) in effort to reduce my interest rate. After a credit pull, verification of assets, and property review I was quoted a conservative '' number of {$4100.00} to close ( with an expectation of everything settling around {$3700.00} ) to which I agreed. I paid the {$520.00} for the appraisal ( house appraised as expected ) and we moved forward. After underwriting, the funds to close jumped to {$9300.00} ( well over double ). I would have never paid the appraisal fee or moved forward had that number been disclosed to me from the start. The sales manager told me that it was " normal '' for numbers to flex but I have never seen the mark missed this badly in any mortgage I have ever had. I asked for a refund of the appraisal fee because of the extremely poor calculations on the part of SoFi but was informed that a refund of appraisal fee was not an option. Under normal circumstances, I would not ask for nor expect a refund of the appraisal fee ( not my first rodeo ) as that is sunk cost and part of business, but when there is an error of numbers to this magnitude, I feel a refund request is justified and not out of the realm of warranted. In the end, I feel that I was baited in and offered something that the mortgage broker could not deliver.

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 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
amt on report is in error, its over 2 yrs old outdated, this XXXX XXXX XXXX keeps giving if to different cr reporting agencies

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 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
I've have file a complaint once before about American Education Services aggressive collection practices. Per the recommended resolution of my 1st complaint, i enrolled into their direct debit program. I stopped the scheduled direct debit from happening on XX/XX/XXXX using AES online website. On Thursday XX/XX/XXXX @ XXXX CST, I called to ensure that my direct debit was in fact cancelled for the XXXX of XXXX and the payment moved to the XXXX. The agent i spoke with on XX/XX/XXXX informed me " the payment I submitted to be debited from my account on XXXX was already in process, in fact it was already sent to my bank for withdrawal. '' On the morning of XX/XX/XXXX, i received an email saying that my account was more than 8 days past due?? When i called American education services, i was informed that my payment was cancelled with no notes on when, who, or why it was cancelled. Nor was i sent ANY correspondence telling me it was cancelled. I repeatedly asked the 2 agents i talked to today ( XX/XX/XXXX ) to pull the call record from Thursday XX/XX/XXXX @ XXXX. The agents did and said nothing, only that they had no information the cancellation of my payments BUT they have already repeatedly contacted my cosigner ( and not me the borrower whos making all payments and whos contact info is listed ) multiple times again using aggressive tactics, mis information and not giving any type of accurate information. I was also hung up on by someone in the complaint department after providing my bank account information to pay the " past due bill ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( TransUnion, XXXX ) claim they can not remove an unauthorized inquiry from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I received an email from BMO Harris Bank inviting me to open a Statement Savings account and offering me a {$50.00} cash bonus after qualifying transactions. The email stated : Get a {$50.00} cash bonus. Well reward you with a {$50.00} cash bonus1. Heres how : 1.Between now and XX/XX/2019, open a Statement Savings account with a minimum of {$1000.00} in new money 2.  Maintain at least {$1000.00} in the account for 120 days, and you'll receive a {$50.00} bonus. On XX/XX/XXXX I applied for such account using the promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been opened and that the {$1000.00} opening deposit from my external bank has been completed. The deposit posted on XX/XX/XXXX, I waited 120 days as the terms of the promotion stated but my {$50.00} bonus never was credited to my account so contacted BMO Harris Bank on XX/XX/XXXX through their websites secure message and the next day rep. XXXX replied my message and confirmed that I had met the requirements, however he said that he needed to escalate the bonus inquire but first I needed to call customer service and provide an statement of my external account I wasnt sure what he meant by escalate the bonus inquire so I replied back saying that that providing an statement of my external account was not mention anywhere on the terms and conditions of the promo but never received a reply. This is really frustrating because they lure you into opening accounts offering bonuses and then give you the run around when is time to pay, even though I meet the requirements.

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 2019-10-04 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: NY

Complaint narrative:
XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, Equifax ) claim they can not remove an unauthorized inquiry from my account.

Company response to consumer: Closed with explanation