vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I received a message from our receptionist at work on XX/XX/XXXX to call XXXX XXXX ( XXXX XXXX XXXX ) at XXXX. So, I called her that same day on my lunch break and made arrangements to pay on my student loan and advised them NOT to call my place of employment anymore, she then verified my cell #. Once we got off the phone, I was emailed that same day the agreement papers and for me to sign and return, which I did that same day and emailed them back. On XX/XX/XXXX, I received another message from my receptionist at work with another message to call XXXX ( XXXX XXXX XXXX ) at XXXX. I called them back and spoke with a rep named XXXX XXXX ( XXXX XXXX XXXX ) and told him, that I specifically told XXXX for your company NOT to call my place of employment. XXXX, then asked what date did you make this request? I explained to him that I have only spoken to your company one time ( XX/XX/XXXX ) other than me calling back today, and I advised no more calls to my place of employment. I advised him that they were now violating the FDCPA laws and I was now going to file a complaint. He said he understands and continued on with the reason for them calling me again, payment process did not go through. Once, he resubmitted the arrangements again and took my debit card information again. He apologized and told me he doesn't blame me for continuing to pursue to file a complaint. He then thanked me and ended the call.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
XX/XX/XXXX we notified XXXX XXXX of our intention to disconnect services to our home. 

We received an invoice from for XXXX XXXX {$420.00} I called and spoke to XXXX customer service agent XXXX on XX/XX/XXXX. She noted that she had reviewed my account and would submit an adjustment for {$420.00}. XXXX said my account is closed and I owe no money to XXXX. 

I then received a call from a collection agency saying I owed XXXX XXXX. 

I again called XXXX XXXX customer service at phone number XXXX xtn XXXX and spoke to agent XXXX who reviewed my account and she said see saw my prior call with XXXX. XXXX reviewed my account and again stated she had made a {$420.00} adjustment and a {$5.00} security deposit return to make my balance owed as XXXX. 

I then received a letter from Credit Protection Agency whom I called and told them XXXX started I have a XXXX balance. They told me they showed I had called to dispute the charges and they had contacted XXXX on XX/XX/XXXX who stated I still owe {$420.00}. I gave them names and days of XXXX employees and they said there is no thing they can do as they are only " allowed '' to dispute the account once. They refused to try contacting XXXX to clear up the issue. 

I then called XXXX XXXX to XXXX service and spoke to XXXX who said she sees the notes I offers happened and that she could not help me at this point. I asked to escalate and she transferred me to XXXX Supervisor in Collections with badge number XXXX who said he reviewed my prior calls and also believes I owe no $ to XXXX but said there is nothing he can do. He said he can not call the collection agency once it was transferred to them and it was likely a system error since he sees the notes of my supposed resolution with several customer services agents over almost a year. So XXXX transferred me to XXXX who reviewed my account and validated my prior actions and said she said there is nothing she can do. I asked to speak to an executive and she transferred me to XXXX who stated it appears I was potentially overcharged fees since I last paid on XX/XX/XXXX for services from XX/XX/XXXX to XX/XX/XXXX and services were disconnected on XX/XX/XXXX. XXXX said the debt was sold to the collection agency and there is nothing he can do to help resolve this issue.

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 2018-05-16 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: NY

Complaint narrative:
ive been enrolled into the customer assistance program ( hardship ) since XX/XX/XXXX. the first payment was due on XX/XX/XXXX of XXXX, the payments were being done automatic.. the account is closed by the creditor and that's fine. the collection agency states that they are turning over the payments to the creditor. the in house collection dept states that they see the payments. so I contacted customer service dept at XXXX XXXX   and they stated that even thought the account is closed and turned over to an out side collection company they ( XXXX XXXX/XXXX ) can still report the account delinqent

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 2018-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, Equifax, XXXX and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, Equifax, lists my public record update as XX/XX/XXXX,  XXXX has not updated my public record, but they also have not sent me their MOV either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, Experian and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, XXXX, lists my public record update as XX/XX/XXXX, Experian has not updated my public record, but they also have not sent me their MOV either.

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 2018-05-16 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: DE

Complaint narrative:
Last XX/XX/XXXX my ex husband was late on the car payment with capitol one auto finance, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XX/XX/XXXX. I  still have to suffer because of his negligence even though we are no longer married. In XX/XX/XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with capitol one was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX18 1. Equifax - 2 separate times - notified me dispute investigation complete - may view results online - confirmation numbers XXXX and XXXX 2. Both times - attempt to view results is instructed - identity verification questions were all answered " NO '' - they said it doesn't match their files - said I had to use " secure Email '' -- >>>>>They are blocking me from viewing results -- >>>>>They have something in my file which they are shielding Original CFPB complaint = XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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:
cra violation inaccurate infromation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX, someone deposited a check into my Bank of America account in the for a large amount which i did'nt have any knowledge of and without letting me know, they shut my account down a reported me to XXXX XXXX. Now i can't even open a bank account for something that wasn't even my fault.

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 2018-05-16 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:
cra violation inaccurate infromation

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 2018-05-16 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:
cra violation inaccurate infromation

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 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Nationwide Financial Group
State: CO

Complaint narrative:
I have struggled with nationwide since I became a member and it starts from not being able to use the bill pay service or the external transfer service with no explanation. A work order was created and never did I hear a response or is the issue fixed. My issue now is that on XXXX, 2018 I deposited a check for {$500.00} this check came from the state of Colorado a government check with a phone number on it that reached directly to the department that issued the check, my name and address on the check matched the name address on my nationwide account but yet nationwide was unable to verify the check it must of been the day all the monkey 's were running the office or something. Anyways the state of Colorado check the as flagged for some reason, just because everyone XXXX XXXX here doesn't mean were all out bouncing checks. So my account was restricted and for a consumer who has one bank and puts all their money into the bank locking someones account has a greater affect then I think the cows in loss control realize. They requested a cleared copy of the check which on a check from a personal account is fairly easy it's however hard when its the state of Colorado but I fought and got it for them. Even a CSR said that was weird for a government check they would request that so my account has now been locked for 3 daysbI couldn't by my dog food and ive called in 20 times and it was escalated due to the importance of this situation and they have yet to lift the restriction

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
This is a spam call that is calling multiple times a day about fake debt and threatening legal action, etc ... they call around XXXX! I am TIRED of these FALSE accusations and I don't know how to get it stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form Capital one XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: NC

Complaint narrative:
I Will be uploading supporting documents from my bank XXXX XXXX XXXX XXXX that my credit card account is open not close or transfered.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My information on my BOFA account was compromised on XXXX at approximately XXXX and XXXX in the amounts of {$500.00} and {$700.00} respectively. I immediately called the Fraud department at BOFA at XXXX and was told that the transaction ( s ) had already gone through ( Via XXXX ) and I couldn't do anything about it.They told me to call back Monday morning. 

I called back Monday morning and opened a fraud claim. They told me they would put a freeze on my account and to change my online password and online name. They also told me to close my accounts. I logged in and changed all of the info. I also went to the bank the next day and closed down my old account and opened a new one and transferred everything across. 

I also changed all my direct deposit info and such. 

I then get a letter saying my claim is denied because my the money was sent from my log in. I called them back and told them I did all that they wanted me to do and why would they deny it? They said they would allow me to appeal it. 

I have been with BOFA for 25 years and have a significant amount of money in the bank with them. Has anyone experienced this? Is there anything else I can do? If they deny it again ( which I am sure they will ) then I will be forced to close my account and bank with someone else. 

Do I have any options? 

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 2018-05-16 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: FL

Complaint narrative:
As of XX/XX/XXXX this year i will be graduating XXXX XXXX so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.

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 2018-05-16 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: FL

Complaint narrative:
As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried to fix this problem and I would like someone with sense to look into this again. I stated that i was married. I work 50 or more hours a week. Multiple accounts were open in my name with my knowledge because I didn't check emails because my ex wife handled the bills. I disputed an account with Kohl 's department store and they stated that it was indeed mine because the information matches..Of course the information matches that was my wife for 11 years..She had access to those accounts.She stayed at this addresss. Nothing that was purchased was for a man. I would like this to be taking care of because i am taking legal actions because you guys gave her the card.Call the number on the account im sure she will answer.

Company response to consumer: Closed with explanation