vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Around the dates of XX/XX/XXXX toXX/XX/XXXX, as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have dealt with multiple frauds claims with Bank of America. It started in XX/XX/XXXX where {$18000.00} was taken fraudulently out of my checking account from multiple locations across the U.S and even in other countries. It totaled over 250+ transactions. Even when I called Bank of America customer service fraud department at the very same time we were on the phone and I was explaining the panic I was in and frustration of what I was seeing on my account there were still transactions being made. I have filed a police report with my local police department and Bank of America has closed my claim over three times. Every time they closed it they stated the transaction were made with verification. I am furious because the money came from a lawsuit of something very traumatic that happened to me, similar to the Me Too Movement. I trusted Bank of America with all of my funds and they guaranteed me that money is insured when it comes to fraud. Not only that but according to XXXX my social security and all of my information was breached and that lead to the compromising of my bank account. Even after my first fraud claim with Bank of America I moved all my money into a separate private account with them and replaced my debit card and I STILL AM CONTINUING TO HAVE MONEY TAKEN FRAUDULENTLY OUT OF MY ACCOUNT! In may I was constantly having money taken out of my account from the XXXX XXXX which I do not own anything affiliated with XXXX. In XX/XX/XXXX through XX/XX/XXXX i have multiple transactions from XXXX taken off my account totaling over 2k+. This is ridiculous I have had over 8 debit cards from Bank of America this entire year! I still have not received my money back from first fraud claim and Bank of America is doing nothing to help me as one of their Platinum Honor Client. Please help to get what I deserve and is rightfully mines, because this no where right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: AZ

Complaint narrative:
Attached is a letter from XXXX XXXX  XXXX XXXX and my credit report from XXXX XXXX for proof that the XXXX XXXX XXXX XXXX account # : XXXX listed on my Experian credit report is a fraudulent account and it is not my credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following fraudulent accounts keep reappearing on my Equifax credit report : XXXX XXXX, {$1100.00} account was opened on XX/XX/2015 and XXXX XXXX XXXX, {$2600.00}. The fraudulent accounts has been deleted numerous times from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: MOHELA
State: TX

Complaint narrative:
Dear CFPB : I am writing to make a complaint about my loan servicer, Missouri Higher Education Loan Authority ( MOHELA ). Quite simply, I am trying to obtain my loan history dating back to my direct consolidation in XXXX. But MOHELA has been unable or unwilling to provide this information. Thus, I would appreciate your assistance in prompting MOHELA to provide this information. 

Here is a summary of the facts : On XX/XX/XXXX, I submitted a request through MOHELA 's secure message system for all my payments since XXXX. 

The next day, MOHELA replied with an attachment that it claimed was " the financial activity from XX/XX/XXXX through XX/XX/XXXX. '' But it wasn't ; rather, MOHELA sent me an attachment that -- quite strangely -- only covered XX/XX/XXXX to XX/XX/XXXX. Even stranger, the attachment was titled, " Payment History Before Mohela [ sic ]. '' Again, it wasn't. Further, MOHELA indicated they would send a separate message with the payment history from XX/XX/XXXX to the present. 

The same day, XX/XX/XXXX, I replied to MOHELA, explaining that their attachment didn't cover the timeline specified. 

On XX/XX/XXXX, MOHELA responded with the second part of their message. MOHELA write in part, " We apologize for any confusion or frustration this matter may have caused. The attached document lists the payments made during time prior to your loans being serviced by MOHELA. '' This was unresponsive. I was asking for the period from the date I consolidated the loans ( XX/XX/XXXX ) to the present. I don't understand why MOHELA kept reverting back to wanting to provide my payment history before my loans were serviced by MOHELA. No matter, the attachment that MOHELA provided this time was unopenable. 

So on XX/XX/XXXX, I sent MOHELA yet another message simply trying to get the same information. In my e-mail, I wrote in part, " I could not open your attachment. When I tried, it gave the error message " could not open ... because it is either not a supported file type or because the file has been damaged ( for example, it was sent as an email attachment and wasn't correctly decoded. '' Can you please either make the corrections and resent it as a secure message attachment or simply print and mail it. 

From this most recent experience with MOHELA 's customer service, I suspect that the company is still struggling with low service employees, low tech systems, and poor management.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is on my credit report illegally, I have sent three debt validation letters that are in compliance with section 609, 617 & 619 of the FCRA, All three of my disputes was dated and sent via certified mail with notarization, LVNV kept reporting my debt as valid but would not send validation, After my third letter on XXXX XX/XX/2019 LVNV attempted to sue me for this debt, but withdrew from the lawsuit because I had paperwork proving I requested validation and never received it, this company is practicing illegal collecting which violates our consumer, FCDPA, & FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have an American Express Bluebird prepaid card in the last 6 months I've been hacked 3 times refers to the company reimburse me back this last time was the biggest which were {$2400.00} XX/XX/XXXX I called into the company for fraud because I did not make this withdrawal they said they would investigate 3 days later they closed my account and refuse to refund my money my husband passed in XXXX every time I try to draw from Social Security for him I got hit. This is how I support our children I do believe that somebody from the inside that can see everything in my account please help thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: MD

Complaint narrative:
We took this loan on a car that has being used both me and my husband. Meanwhile, we have been paying for slightly more than three ( 3 ) year since XXXX without default to our payment and on time. First thing we detected was that the vehicle was defected and we took it back for about a week and they solve the problem and we were talked into taking it back, which we did. We then realized that the interest far exceed the capital payment on the vehicle we confronted the and the just told us is because of the GAP insurance so we relaxed and move on and soon then come the catalyst converter which cost us money to get a used on to replace because we where badly in need of a car for family use. 
Unfortunately, the car has been involved in a car accident with a total loss, meaning the car is total and our insurance company have written it off. 
They have decided to pay for the car at it value which does not reach the balance owed on the car. We called the loan company on Friday the XXXX of XXXX, XXXX about the situation but the trying to play games about the GAP covering. We have agreed to allow the of {$7400.00} XXXX XXXX XXXX XXXX XXXX dollars ) been payed to the and the GAP according to the cover the rest as they said the amount of {$11000.00} dollars is what that s left on the loan. This mean, we have waved our right to own the car in spite of having paid {$12000.00} or more on this car, since the beginning of the loan. We can afford to pay a single penny more to was what we see as manipulative loan agreement and total loss on our side for such a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: NY

Complaint narrative:
I cancelled my XXXX XXXX membership and the amount owed is incorrect. The collection agency reported the wrong amount to the credit bureaus without confirming the dispute amount with XXXX XXXX   without my knowledge. First Credit Services

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I received a fraudulent check from a client, it was discovered before all the funds were cleared into my account, TD Bank proceeded to put a hold on all my funds in both my business and personal accounts with no warning or notice. It took the week to correct the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
The servicing company has scheduled a disbursement from my escrow account to pay real estate taxes which is significantly greater than the amount due. I've tried twice to contact the escrow servicing area to request that the scheduled amount be reduced to the invoiced amount. They have been totally non responsive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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:
Submitted proof to Equifax that XXXX XXXX had removed the collection off of my XXXX-XXXX   Account on XX/XX/2019. It is still on there. XXXX XXXX Has legal responsibility to me as a Consumer to remove this OFF my XXXX and Equifax reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
UNDER THE BANKRUPTCY CODE, LEXIS NEXUS MUST FURNISH ME A RECAP REPORTS OF ALL PUBLIC RECORDS, TAX LIENS, JUDGEMENTS ETC..ALSO TO WHAT CREDIT REPORTING AGENCIES, ENTIRE HISTORIES..ALL PROPERTIES OWED OVER THE LAST 20 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
UNDER THE BK CODE, LEXIS NEXUS MUST FURNISH ME ALL JUDGEMENTS, TAX LIENS, ALL PUBLIC RECORDS AND PROPERTY OWED FOR THE PAST 20 YEARS, ALONG WITH ALL CREDIT REPORTING HISTORIES ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a capital one card. I was approved. The card caMe In the mail one week later and I tried to activate it but was given nothing but trouble. I was unable to update any of my account information once the card arrived. Both my email and phone number are different from when I had an account back in 2015. As a result, I could never activate or use the card. I never knew there was a balance on the card of {$39.00}. I just received mail from capital one and the due date was XX/XX/XXXX. I immediately made a payment as now it stated my account was past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Fifth Third Bank increased our monthly mortgage payment by {$600.00} without cause after buying our mortgage from another bank. In addition they never paid our home insurance account which forced a loss of our 25 year plan and increased our premium by {$1500.00} annually. They fluctuated our mortgage payment several times in one year and then penalized us by hitting my credit so that I could not move banks. No one at this institution will explain the artificial escrow increase even after speaking with the office of the president. We pay our own home insurance and the only escrow is for taxes which have not increased to to justify this surplus. They have ruined our credit, crippled our ability to afford anything for my family over the last two years and people need to be aware they should not bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
XXXX. XXXX XXXX acct # XXXX 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX XXXX  acct # XXXX ... 
XXXX. XXXX acct # 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 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BB&T CORPORATION
State: PA

Complaint narrative:
The loan company gave me the loan on a XXXX XXXX XXXX in XX/XX/XXXX for 66 months. According to the bank I had 12 extension which would put the last payment XX/XX/XXXX. I was receiving a monthly phone call and statement saying that I stilled owed XXXX as of this date. I continued send a payment for another nine months until XXXX of XXXX. I consider this loan paid in full plus extra payments. They confirmed that I have made 68 payment at XXXX. Which fulfills the loan requirements, plus two extra payments thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: SD

Complaint narrative:
I completed the application for an income driven repay plan and submitted it. The info from the federal govt including tax info from the IRS went to AES and XXXX. AES is sending me letters stating they can not process the IDR because the application is not complete. A few months ago, they wanted paystubs I sent them that and they sent me the same letter. Now, they have another application and tax info from the federal govt and they are still sending me the same letter. XXXX processed the same IDR application that AES is claiming they can not process with all the information provided to them.

Company response to consumer: Closed with explanation