vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2017, Bank of America had closed the company business checking account and the remaining balance of {$7500.00} was not returned to account holder.

I had called Bank of America Customer Services many times, long waiting on the phone, no specific reason given why account closed and finally hang up customer calls. Even sent to a couple written letters directly to Bank of America by U.S. Postal Certified Mail. Months had passed, Bank of America did not reply. Land line calling many times, customer service put me on hold for hours and later disconnect the line.

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 2018-11-01 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Checkr, Inc
State: TX

Complaint narrative:
Mississippi speeding ticket was paid for and needs to be taken off my driving record!!! 
I dont live in LA! Failed to appear in LA for trail/court, this one I have no idea about. I called Louisiana Sherrif department and they have no knowledge of why this would be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On my hard inquiry on my credit report they are 3 capital one credit card hard inquiry that I did not open myself. I do believe that someone got them in my name.. I think someone got my identity and ordered them cause I never had a capital one credit card. Thanks alot and I look forward in hearing from you. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES
State: NY

Complaint narrative:
This company never sent me statements. I asked for copies of monthly statements. They failed to provide them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Recoveries, Inc.
State: NY

Complaint narrative:
I asked this company to send me original copies of the statements from when this account was opened. 

They have not provided sufficient proof. 

Student loans were included in bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: EQUIFAX, INC.
State: HI

Complaint narrative:
" " '' I have disputed this Charge Off on this XXXX   XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-11-01 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: EQUIFAX, INC.
State: HI

Complaint narrative:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp.
State: NY

Complaint narrative:
I requested statement and never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Yes .. Bank of America Customer Service Dept .. ABSOLUTELY ATROCIOUS .. after I complained to a manager .. they started retaliatory behavior against me .. 

Not sending me new debit cards on time .. or AT ALL!! This happened on at least three to four occasions The Claims Dept .. putting false information in my info file with Bank of America They noted in file when I called claims dept on XX/XX/2018 that they called me on XX/XX/2018 at XXXX XXXX  .. at : 1 ) OLD PHONE NUMBER OF XXXX XXXX XXXX .. WHICH I HAVE NOT HAD IN A COUPLE OF MONTHS AT LEAST AND I UPDATED ALL INFO WITH BANK OF AMERICA PROMPTLY!! 

2 ) NOTED ALSO THAT THEY CALLED MY NEW UPDATED CELL NUMBER ON THIS DATE .. I HAVE PHONE RECORDS FROM MY CARRIER .. NO CALLS!!! 



THIS IS FRAUD!!!!!!!! 

IF THIS RETALIATORY BEHAVIOR DOES NOT IMMEDIATELY CEASE AND DESIST I WILL BE FILING LAWSUIT!!! 


ADDITIONALLY, I JUST NOTED THAT I HAVE A {$35.00} FEE " SUDDENLY '' ADDED ON TO MY ACCOUNT .. YET I HAVE OVERDRAFT PROTECTION XXXX THEY KEEP MESSING WITH ME IF THIS IS NOT DEALT WITH ASAP. ... .. L A W S U I T!!!! 


ALSO .. GIVEN COMPLETELY FALSE, ERRONEOUS INFORMATION FROM THE BANK OF AMERICA ON XXXX XXXX IN XXXX, MD WHEN I OPENED ADDITIONAL CHECKING AND SAVINGS ACCOUNT .. THEY " ASSURED '' ME NO FEES FOR THE SECOND CHECKING ACCOUNT AND THE SAVINGS ACCOUNT! 

WELL THAT WAS A JOKE!! I AM TIRED OF THIS FRAUD AND RETALIATIORY BEHAVIOR .. 

ONE MORE INCIDENT .. L A W S U I T!!

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 2018-11-01 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX   XXXX  for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is a follow up on a previous case ( XXXX ) against XXXX XXXX. XXXX never reimbursed me for an overcharged amount on a purchased flight even though they admitted they overcharged me. 

Capital One knowingly allowed XXXX XXXX to rebill me the exact same overcharged amount when they knew through documentation that XXXX admitted on email correspondence they overcharged me. I contacted Capital One on this and they keep putting me off telling me they don't know when they will be able to get back to me on this matter. This is not acceptable. I have been an outstanding customer, with a near perfect credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had credit with XXXX XXXX  ( now XXXX XXXX   XXXX ) and a credit account with XXXX XXXX  which were discharged in chapter XXXX bankruptcy inXX/XX/2013. A few months ago both XXXX XXXX XXXX  and XXXX  filed derogatory statements on these accounts. contacted TransUnion and filed a complaint. After 30 days I received a reply from TransUnion that both lenders refused to remove the statements even if both creditor are in the bankruptcy that is also listed on my credit file. I want the derogatory statements removed as it is simply reiterating what is in the bankruptcy reported to the credit reporting agencies. What can I do?

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 2018-11-01 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: NC

Complaint narrative:
The majority of monthly repayment monies is going towards the interest with no monies being applied towards the principal at all in some cases. For example, 0 monies were applied to the principal for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment posted on XX/XX/XXXX reflects a - {$10.00} principal payment and a - {$440.00} interest payment.

The payment for XX/XX/XXXXreflects what I feel is a true calculated payment as - {$300.00} was applied to the principal and - {$140.00} for the interest. I believe there are discrepancies throughout the 13 years of history on these loans and reflects a gross inconsistency in the repayment of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
A foreclosure of this property is currently in process. Bank of America holds the second mortgage, a HELOC loan, on the property. The property is held in a Trust in which I am the sole Trustee. I am also the daughter of the mortgagors who are both deceased. The default on the loan is due to the mortgagors deaths and a lack of any funds whatsoever in both the Trust and Estate. I am trying to personally attend to these debts. A restraining order is in place to halt a foreclosure sale that was scheduled for XX/XX/XXXX at which point I immediately placed the property on the market so as to resolve the debts on the property. Despite the fact that this restraining order is in place, we received notice on XX/XX/XXXX from a law firm advising that Bank of America has moved forward with a foreclosure. This is a violation of the restraining order. It is also not in compliance with the Fair Debt Collection Practices Act. I have attached the letter from the law firm with this complaint.

Despite the fact that this debt is not my own, I have been trying in earnest to get this resolved. The property has not yet sold though it is still on the market. I have been advised that I am unable to be reviewed for modification or assumption options, despite my being Successor Trustee, and that my option is settlement of the HELOC, as it is a second-position lien, or sale of the property. With Bank of America moving forward with the foreclosure despite the restraining order and the property being listed, it seems settlement of the debt is the only way to avoid foreclosure. Unfortunately it has been a source of great frustrationand has cost time and moneyto pursue a settlement through a customer relationship manager. In the past I have been provided incomplete instructions, had documents lost, spent money to have them re-sent only to be told they were never reviewed. I have been told I am unable to be in direct contact with the department that handles HELOC settlements which would be the simplest, most efficient and quickest route to a solution for all parties. I am deeply concerned that Bank of America will foreclose before I am able to correspond with the settlement department and resolve this debt.

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 2018-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Information and balance incorrect. Too old to be on file. Every few yours the company will send paperwork and than change account open date to the current year. So the account will stay on my credit. Account over 10years old and should not be in credit report. Its against the law and collection items fall off after 7years.

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 2018-11-01 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Date Opened : XX/XX/2013 Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Shows a late payment for the month of XX/XX/2017 when card has not even been activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2018 my XXXX account was hacked and someone made a {$450.00} purchase on my account without my permission. XXXX sent me an email that there was fraud on my account. XXXX card services would not remove the charge. Thanks for looking into this problem. I closed out my XXXX account and cancelled my credit card and received a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: WV

Complaint narrative:
I left for basic training with the XXXX in XX/XX/2018, and during that time I was hit with a collection that was not mine. It stated that I had went to a medical office XX/XX/2018. And since then I have been hit 6 times with this creditor and there would have been no way I could have even went to this office because I was in basic training and couldnt leave. I have been able to take 4 off but there are still 2 on my account. Which is killing my credit score. I try contacting the office but it doesnt take me anywhere. Im only XXXX years old and I dont know what to do. Or how to get it to stop hitting my accounts. Please help me if you can, I dont want it to continue to ruin my credit. ( XXXX ) XXXX is the number to the office but when I try to call it doesnt work. Theyre called Midwest recovery system and I cant even find a real website on them. They first hit my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX and the last one hit XX/XX/XXXX. Please help. I dont know what else to do other than trying to dispute but no one has been able to help keep them off permentaly. Every time I check my XXXX XXXX score it goes down in huge amounts because of this creditor. And Ive tried contacting XXXX and XXXX but nothing works.

Company response to consumer: Closed with explanation