vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens Bank sent me a new debit card for my checking account indicating there was an issue with the card. They never identified the issue but I am assuming it was a security breach. I received the card and activated it but it did not work. I went to the branch in XXXX XXXX XXXX on XXXX XXXX to get this remedied. They claimed to have fixed the problem and I gave the card to my husband to leave town for XXXX  with my children. He got to XXXX and the card did not work. HE HAD NO ACCESS TO OUR MONEY. I called the XXXX number XXXX XXXX and spent 30 minutes on the phone and was told the issue was fixed. He again tried to use the card and it did not work. I called the XXXX number on XXXX XXXX and spent 1 hour on the phone to get the issue remedied and was again told they had fixed it. My husband tried the card again and the again the card did not work. I called the XXXX number again on XXXX XXXX and spent another hour on the phone and was told they were sending me a new card by overnight mail. At this point my husband had to borrow money from a friend because he could not access our account that had over {$40000.00} in it. It is now Tuesday, XXXX XXXX and the card has not arrived despite assurances that I would have the card by Friday XXXX XXXX. I am again speaking to Customer Service and they are telling me the card has not been SENT!!! I am incredulous and can not believe that I do not have the card. I am now being told that their own fraud department continues to stop the card from being sent to me. The card was placed on fraud hold 4 times last week despite my calling each time and giving them every bit of information asked for. They can not explain why there fraud keeps stopping the card. This is an absolute abomination. I still have no card and no assurance that I will get a card anytime soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from XXXX XXXX XXXX. She stated she was calling on behalf of Navient and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by Navient. However, I also found out that Navient is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called XXXX back to provide this information, I was then informed they are a debt collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX, Bank of America reported an open mortgage account on my credit report and listed the account as going into foreclosure. This account has already went into foreclosure and the final judgement and property sale were complete in XXXX, XXXX respectively. I have contacted Bank of America Customer Service XXXX on several occasions and told them that this account has already been resolved and that they actually own the property. At first they lied to me and told me the final judgement had been thrown out and that the case was going back into foreclosure, I asked for proof and never received anything. Twice during conversations I was escalated to a supervisor and was given a fax number to send in my documentation, both fax numbers did not pick up or allow me to send my documents XXXX XXXX / XXXX XXXX so I mailed them a copy of the final judgement and the notice of sale. I want this corrected and off my credit report, and after 5 calls to Bank of America to resolve this I have no confidence that further communications with them will resolve anything

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 2017-06-27 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: IL

Complaint narrative:
OnXX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. OnXX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. OnXX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. OnXX/XX/XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.

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 2017-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXXXXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XX/XX/XXXX, XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXXXXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XXXX XXXX XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XXXX XXXX XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XXXX XXXX XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two, basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.

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 2017-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a complaint on XXXX/XXXX/XXXX # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX  account XXXX has been updated to XXXX on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: NJ

Complaint narrative:
On XXXX XXXX, 2017, I filed a complaint against XXXX XXXX. On XXXX XXXX, 2017, XXXX XXXX agreed via CFPB ( complaint ID # XXXX ) that they would remove the negative information off all of my credit report. On XXXX XXXX, 2017, I also placed a dispute on Transunion via XXXX XXXX since they were the only credit reporting agency that continued to report XXXX XXXX. Approximately two weeks after that when XXXX XXXX continued to show Transunion reporting XXXX XXXX, I contacted Transunion. the representative claimed that I had not submitted a dispute and that he was going to submit a dispute on my behalf. I explained to the representative that XXXX XXXX agreed per the CFPB that they would delete the tradeline off of my credit reports, that the account has n't been reported on since XXXX XXXX, and every other reporting agency ( XXXX and XXXX ) no longer report this account. On XXXX XXXX, 2017, I received a copy of my credit report dated XXXX XXXX stating that Transunion completed their investigation into my dispute ( dispute number XXXX ). XXXX XXXX is still being reported and no explanation regarding why was provided.

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 2017-06-27 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: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on more than 5 occasions in regards to a account that they are listing on my consumer credit file. I have told them countless times that I am not the correct person they are trying to collect from. I have went a step further to send them a police report showing that I was a victim of identity theft and still nothing! To make matters worse months later they send me the original contract for the auto loan, and it has someone totally different name on it and the address given is an address I 've never lived at nor have I been associated with. How is this even legal? I have explained that I do not know the person on the auto loan contract. I have sent them a copy of my drivers license to prove this. There are over a million people with my same last name, and Its not fair that they are allowed to continue to violate my consumer rights. The credit reporting agencies ( Equifax ) are n't even doing their job even after I have sent them valid proof and document showing that the account does n't belong to me on many occasions including the most recent on XXXX XXXX, XXXX, and then they " verified it '' on XXXX XXXX, XXXX. This is extremely damaging to my credit file and is preventing me from being able to purchase a home for my family. How could they have possibly investigated this item and verified it if I have the physical contract from the credit without someone else 's information on it. There 's no way!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DRB-40, LLC
State: CA

Complaint narrative:
on X/XX/2017 I received a call from XXXX. The person identified himself as XXXX XXXX from XXXX XXXX XXXX. This company continually calls my place of employment, threatens me with being served, calling friends and family to track me down, etc. They contact my work number four to five times a day, sometimes 3-4 times a week. They leave nasty messages on my cell phone also threatening. They tell me that I committed fraud, punishable by law by being arrested and literally scare the XXXX out of me. I had to leave work one day because I was so panicked about being served and arrested at my work I had a major XXXX XXXX. I want these people to stop making these threats and apparently no one has been able to stop them. I did research through BBB and it says this company is closed, but I do not know where these people are located because they wo n't tell you. There were numerous requests for credit, 16, through XXXX XXXX on my credit report that I did not do and it took time to get them off which I save all of the letters, but I have a feeling this company was doing this but ca n't prove it. I need help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I opened an account with Bank of America in there XXXX Georgia branch. The Banker and I sat and I explained to him what type of account I wanted to open ( originally the XXXX  account ). The Banker had to enter in my information twice as there were two profiles in Bank of America system. After merging both old and new profile, the Banker then ran the risk assessment and Bank of America system approved me for a regular checking account. At this time, I made a cash deposit and was given all my documents. On Monday XXXX XXXX, XXXX, I made two mobile deposit of checks I received. As of then and as of the morning of XXXX XXXX, XXXX my account was open and fine. On Tuesday XXXX XXXX, XXXX, I went to use my temporary card at a gas station and was declined use. I had to wait till XXXX to talk to a Banker, who transferred me to the Risk Department ; she informed me that Bank of America was closing my account because another institution had made a report to them. I explained to the Risk Dept Rep that I went through the Banks Risk management and was cleared so I do not understand why my account was being closed. She then transferred me to an automated system ( after I asked to speak to someone who could tell me who the other Banking institution was ). This automated system would n't allow me to speak to anyone. Do to Bank of America 's Risk assessment system and the lack of proper business professionalism I suffered humiliation but having my card declined and not being able to pay for my purchase. Bank of America should have never opened the account, accepted my deposit or allowed a full day to go by without any notification that my account was in jeopardy of being closed.

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 2017-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a complaint on XXXX/XXXX/17 # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX account XXXX has been updated to zero on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I requested my creditor Loan Depot to assess my loan for the removal of my PMI insurance. I was instructed that I had to make payments for 11 whole years before they would remove PMI. I know that if my Loan to Value is below or close to 80 percent then they should consider the removal of my PMI. I refinanced my home almost 2 years ago and during that time my appraised value came in at {$200000.00} and my current outstanding balance on my home is {$170000.00}. Are they correct in saying I have to wait 11 years? Is this a new regulation I 'm not aware of?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
1. I used PayPal to make a purchase fr om  XXXX   XXXX .    2.   XXXX   XXXX  placed a {$1.00} hold on my checking account through PayPal for the purchase.    3.  PayPal actually debited my checking account for {$1.00} instead of placing the hold.   4. I complained to PayPal.    5.  PayPal said they would refund the {$1.00}.   6. PayPal changed their minds and refused to refund me the {$1.00}.   7. PayPal has also cancelled my billing agreement with  XXXX   XXXX , denying me from using PayPal when making  XXXX   XXXX  purchases.    8.  See the attached complete file I have attached on this matter for all details.

Company response to consumer: Closed with explanation