vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: OH

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report. I have contacted Transunion and XXXX to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled, Transunion and XXXX advised me that I had to contact the XXXX XXXX to 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 2018-01-05 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: OH

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 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: United Acceptance Inc.
State: TX

Complaint narrative:
United acceptance XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
BOA offered me a balance transfer promo rate on my BOA credit card. I had a {$10000.00} credit limit and had a balance of {$5000.00}. The promo rate was posted on my online banking. The offer was there yesterday ( XXXX/XXXX/XXXX ). I went to enter my information to transfer my balance today ( XXXX/XXXX/XXXX ), but the offer was gone. It provided a number for me to call. I called and spoke with a CSR and asked why the promo offer went away. He transferred the call to XXXX XXXX. I asked XXXX XXXX the same question about the promo rate going away. She proceeds to tell me that she was going to lower my credit line because I asked for a balance transfer. I never asked for a balance transfer. I told her to check the recording of the phone call. BOA and XXXX XXXX mislead me with unfair business practices. BOA lowered my credit limit instantly when I called to asked a question. I asked which regulatory agency I should contact, and she told me that there was no regulatory agency and that the bank can do what they want. I then spoke with a manager, XXXX XXXX, about this. She also told me that because I called they did a credit review and lowered my rate instantaneously. I have never missed a payment was using less than 50 % of my credit utilization on this credit card. Bank of America and its workers mislead me with there promo offer. This is the definition of unfair business practices. BOA hurt my credit because I called them. By doing this, BOA is making it difficult for customers to inquire of any issue. If you call BOA, they will punish you. For a company to penalize you for asking a simple question it misleading, unfair and creates a freezing effect. I have never missed a credit card payment so the lowering of my credit limit was completely punitive in nature.

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 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have an escrow account with my mortgage company. It is set up to pay my home insurance and property tax. I pay {$730.00} of every mortgage payment {$2100.00} to my escrow account. Every year I get an annual escrow account disclosure statement which determines if Im paying too much or not enough and my mortgage payment is adjusted accordingly. This year I have an overpayment so I received a check {$330.00} In the same letter my mortgage company is INCREASING my mortgage payment. I feel my mortgage payment should be reduced if not at least remain the same. 
Im also billed {$200.00} mortgage insurance which my mortgage company seems unable/incapable of explaining I called my mortgage company spoke to XXXX who identified herself as a manager and was unable to satisfy my questions she acknowledged my taxes remained the same and my insurance increased {$76.00} the {$330.00} is more than needed to cover that increase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
checked my credit report and noticed a debt collection from XXXX by Bureau Name CONVERGENT I contacted Convergent on X/X/18 and notified them that this was not my debt. The name for the debt collection is XXXX XXXX and I told them that that is not me but they refused to acknlodge that fact regardless of what I said.

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 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
the number XXXX XXXX XXXX XXXX calls everyday at XXXX XXXX does not leave a message. 

I believe the call is from Paypal. I do now now have I ever had a Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 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:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below Moreover, include documentation which shows that this account was not claimed as a lose with any insuring entity I do not want just a review without detail, instead I have requisitioned a detailed validation.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed within ( 30 ) days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Furthermore, According to the Certified UCC-11 Document attached, there are NO Active Liens with said creditors. A complaint has already been filed with Consumer Financial Protection Bureau regarding this matter.

Fraud is any kind of artifice employed by one person to deceive another -Goldstein vs. Equitable Life Assur . Soc. Of U.s misc.

No response has been made from the Credit Bureaus

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 2018-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is stating I owe a debt of {$3700.00}. I do not have a signed contract with this company nor have I ever done business with them. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX placed a collection on my XXXX, XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX I filed a complaint against the Bank of America about not reporting to the credit bureaus that I have a mortgage. This has greatly affected my credit score and the amounts I pay on my credit cards interest rates. My previous complaint number with the CFPB is XXXX. I believe the CFPB closed the file after the response by the B of A. After I read the response by the Bank of Americas employee " XXXX XXXX '' I was greatly concerned about the blatant dishonest statements he made in his response. To be more accurate he blatantly lied to the CFPB. To make it worse he did it in writing. The only thing I have been trying to do is get the B of A to report my mortgage payments to the credit reporting agencies.The B of A 's continual response is I have not reaffirmed my mortgage after my bankruptcy in XX/XX/XXXX. I contacted my bankruptcy attorney XXXX XXXX and asked if this was true. She explained to me that when I modified my mortgage under the Obama plan that I had reaffirmed my mortgage. Her office also explained to me that for some reason the only mortgage holders who refuse or give continual problems to customers about this issue is the B of A. She has told me to contact the B of A to remedy this issue. I have contacted to B of A and the CFPB about this issue and the issue still has not been remedied. In the response to the CFPB dated XX/XX/XXXX " XXXX XXXX '' employee of the Bank of America stated on page 2 paragraph 3 under RESPONSE, XXXX XXXX stated that as of XXXX XXXX that my mortgage was in Default Status. Why would XXXX XXXX make such a dishonest statement. Did this make him feel like a big person, or has the Bank of America gone back to their old ways of doing business by making a home owner feel like they may lose their house by defaulting on their loan when they are not actually in default. At the time of the letter written by XXXX XXXX my house payment was two weeks late not in default status. There is huge difference. Also my mortgage payment was made. I am once again asking that the B of A report my mortgage payments to the credit reporting agencies and investigate why XXXX XXXX would make such a dishonest statement to the CFPB. Federal agencies and the customers of The B of A should all be allowed honest statements and reporting by the Bank of America. Making dishonest statements and not doing what is right only reduces the amount of trust the public and federal agencies have in a institution such as the Bank of America.

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 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

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 2018-01-05 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

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 2018-01-05 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: MA

Complaint narrative:
On XX/XX/XXXX, XXXX USD was withdrawn from my checking account Bank of America, through an ATM machine in NJ, given that I live in MA. 
I contacted the bank immediately to file a fraud claim, and the temporary credit of XXXX USD was reversed to my account until the bank reaches a conclusion about my claim. 
However, on XX/XX/XXXX, the Bank of America informed me that this transaction according to their investigation was not a fraud and that it was authentic, and that they will charge the XXXX USD amount again on me on XX/XX/XXXX. 
their reasoning is that since the pin was used correctly, then it must 've been me who used the card. 
I argued that any person could 've stolen the information, and I 'm protected by law since I reported the incident within 48 hours. 
i asked them whether or not they involved the police, and they said you should involve them. 
finally, they told me they will look into the claim again, I just want to be protected, it is unbelievable that this is happening, I do not feel that my money is safe anymore in the checking 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 monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I attempted to make a payment on my XXXX XXXX Gap Visa Card account on XX/XX/XXXX. This payment was returned NSF, despite having funds in my debited account. I was notified today, XX/XX/XXXX, two weeks later, that my account has been closed. 

I have been a Gap Visa customer since XX/XX/XXXX, making it one of my longest-held credit accounts. Such quick closure without notification from the bank will severely harm my credit by reducing the length of my credit history. They made no good faith attempt to work with me as a consumer and behaved in gleeful disregard for my credit health as a longtime customer of theirs. 

Additionally, the representatives I spoke with on the phone were rude and condescending.

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Store Return XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2018 Transaction ID : XXXX XXXX XXXX 2018 Merchant Credit Hold for Review - XXXX XXXX XXXX XXXXXXXX PROCESSING - {$96.00} Why isnt the money available now? We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. 
Transaction ID : XXXX Why does it take a whole week for American Express to refund my money. Why do American Express have to review a refund that takes 7 days. It is now day 5 and it is inconsiderate and wrong for American Express to just hold my funds when I have bills to pay. American Express policies are erroneous and does not benefit us customers, but instead add more stress and mistrust in American Express.

Company response to consumer: Closed with explanation