vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included retirement/pension payments. I went out on leave from work in XXXX and started using funds from my retirement account for ongoing expenses. I deposited these funds from my account to BMO several times over the following 90 days. However, BMO is now telling me that those deposits are a fund transfer and I am therefore not eligible for the account promotion, despite them listing retirement/pension payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.

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 2017-10-30 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: OH

Complaint narrative:
I previously complained about XXXX XXXX. They stated my issue would be resolved by XX/XX/XXXX. They called on XX/XX/XXXX to say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: I.C. System, Inc.
State: SC

Complaint narrative:
I sent a debt validation letter to IC Systems via certified mail. It was signed for on XX/XX/XXXX. They have not responded to me at all, but reported to the credit bureaus on XX/XX/XXXX. There is supposed to be time for me to validate all accounts before being reported within 30days

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 2017-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WA

Complaint narrative:
Mortgage Solutions financial has sent us a letter notice of Acceleration. we are behind three plus late charges on are mortgage. They have sent more then 12 letters stating we could refinance, modify or payment forbearance on are loan. we have asked for all of these and every time they say NO. Why even offer things if all you do is say NO. We have over $ 50,000.oo equity in the house but no one can loan us any money because of behind on mortgage. There us taking are house to get more money then is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA Compass Bank allowed someone to open a XXXX debit card in my name, via on-line. I received the card in the mail with only my e-mail incorrect as I would have received something of a thank you for doing business with them which would have alerted me to stop use of the card right away. 
When asking BBVA for verification of identity information provided to this bank, proving they were me, I was told they did not provide that information to anyone. Soooo, someone else can get a debit easily and fraudulently but the victim has no rights. Got it!!!! However on my SECOND call, ( in the US this  time ) I was sent a fraud packet to complete. Problem ... .the information they asked for was everything but blood type which, if not legit, would give these people access to EVERYTHING. I do n't think so!!! They did stop the use of my card right away by putting a hold on it ; not sure if that means the card goes away. I believe not so I am using this government agency to stop this completely and with the addition of security of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I disputed a credit inquiry with the company known as XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me correspondence in writing informing me that the credit inquiries will be deleted based upon their reinvestigation. XXXX XXXX authorized Experian to delete the credit inquiries from my credit report. Experian wrote me a correspondence by mail also informing me of the inquiry deletion. However, as of XX/XX/XXXX, I logged into my Experian.com account and noticed that the credit inquires were not deleted from my credit file. I also have attached a copy of the letter that Experian maied me verifying that the inquiry from XXXX XXXX was deleted.

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 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Was advised that on the tenth business day provisional credit would be issued in my checking account in reference to a claim, fraudulent and unauthorized activity with my lost and or stolen debit card on XXXX/XXXX/2017. Credit has still not been issued. Claim ID 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 monetary relief
Consumer complaint received 2017-10-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax received my second dispute of inaccurate, unverifiable information reflected on my credit report on XXXX XXXX, XXXX. I have disputed the following accounts : XXXX XXXX XXXX XXXX ), Medical Account # XXXX, Medical Account # XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX, XXXX ). Equifax sent a response dated XX/XX/XXXX ; however, the 30 days to respond ended on XX/XX/XXXX. Additionally, ( see attached envelope ), I received this response on XX/XX/XXXX which is 10 days past what they have dated. Consumer law only gives them 5 additional beyond the 30 day investigation for delivery of response. 

I have provided documentation to Equifax on numerous occasions ( see attached ) to support the fact that the aforementioned companies are blatantly reporting inaccurate, unverifiable information. To prove my point, in my letter dated XX/XX/XXXX to Equifax, I specifically requested that they state what method of verification they utilize. To date, to no avail. Additionally, I provided them with the letter I sent to XXXX XXXX being undeliverable based on the address Equifax was reflecting on my report. How then were they able to verify this information with this company, yet the letter was returned to me undeliverable? Also, Equifax noted in their XX/XX/XXXX response that there was only 1 XXXX account reporting for their bureau ; that is a lie ( see attached credit report that I paid for dated XX/XX/XXXX, five ( 5 ) days after they supposedly sent my response ). Further, I sent Professional Debt a letter seeking verification of the entry they are reporting on my Equifax report ; again NO RESPONSE NOR REPLY FROM THEM. I then followed back up with Equifax providing copies of return receipts and letters sent to them, yet this item has not been removed from my report. 

These account entries all contain inaccuracies as well as lack verification from the company. It 's obvious that Equifax has no regard for consumer law and protecting my rights by ensuring that items reflected on their report are accurate, timely, and verifiable. Lastly, since Equifax did not respond to my request within 30 days, ALL ACCOUNTS I DISPUTED SHOULD BE DELETED FROM MY EQUIFAX REPORT! This bureau is violating my consumer rights with its reporting and continues to do so even after I have provided all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I received my credit report in XXXX of XXXX and noticed this collection agency called NATLCRSYS were trying to collect a debt from me for an unknown source called XXXX XXXX. I had no knowledge of this account that stated it was a collection of $ 1,000+. I attempted to dispute this debt in form of receiving VERIFICATION from this agency showing my signature on a contract where I agreed to owe this amount at any point in time. They have constantly updated this account on my credit report and closing the dispute without ever sending me verification of this account and the proof of how it is my debt. This has been going on since XXXX of XXXX. I would like to have this account deleted and removed from my account because it is not my debt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I get about 10 calls a day from a company telling me I need to quickly use them to forgive my student debt before time runs out. Once I start asking questions about how to prove they are not a scam, or if I can find them online, they immediately hang up. Day after day, these calls come in, even though my number is on the Do Not Call list. These are the phone numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have disputed the balance of this account for years and I do not believe it has been properly investigated by Capital One. The trade-line has been removed from my XXXX and XXXX credit reports but remains on my XXXX report. I want Capital One to remove its final tradeline for the charged-off Capital One Account ending in XXXX. If not I demand that Capital One send me all of the statements from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received this loan from Nelnet for {$5000.00} while at XXXX  XXXX University. 
I have started to make payments and I was told that I can not pay with my debit card online, I have to make a phone call and speak with a live person. 
And so I did, I paid {$250.00} with my XXXX debit card and I was told it would pay my {$170.00} pmt and the rest was going to principal. 

The month after I tried to pay the same way and they told me I could pay with my checking account but I could n't pay with my debit card because my bill was not due yet. 

So I waited till the following month and I wanted to pay {$250.00} like I did before and I was told I could only pay {$170.00} with the debit card but not {$250.00}, to pay the rest I had to give out my bank account information. 

I need to know how I can make a payment with my debit card to nelnet for {$250.00} per month. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

Experian and XXXX need to delete this information immediately.

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 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Company Love, Beal, and Nixon, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment XXXX XXXX XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not find out about it until I applied for a property loan in XXXX of XXXX. Love, Beal, and Nixon is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that three companies stall and waste time by blaming the other. All three are involved. I first filed this complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX because they were the ones who finally notified me that I was being help liable for anything. I named them because your question asks who notified me of this debt. I got a lawyer in XXXX of XXXX, who won for me, Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. The court minutes awarding lawyer 's fees in the amount f {$1900.00} and signed by XXXX XXXX, is against XXXX XXXX XXXX , XXXX with XXXX attorneys named, Love, Beal, and Nixon, and XXXX, XXXX, XXXX, XXXX, & XXXX. I can not afford to pursue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgement because the cost is prohibitive. Love, Beal and Nixon won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) Love, Beal and Nixon filed a lien for {$7100.00}. I was never notified. Love, Beal, and Nixon ( or XXXX XXXX XXXX for whom they acted ) owes me {$1900.00} as awarded by XXXX County judge, XXXX XXXX. I have suffered other financial damage because of being denied a loan from my bank. I have suffered other damage because of the time and stress in tying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or from my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase Bank concerning the annual fee for my credit card at the end of XXXX. The customer representative said that my fee could not be waived but told me that I would have up to 90 days to close the account if I did not want to keep the card. When I called in on XXXX XXXX to cancel the card and get my annual fee refunded, they said that they were unable to refund the fee. When I told them that the representative said I had 90 days to close the account and get my fee refunded, they were unconcerned and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing this complaint for because Experian has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. Experian confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

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 2017-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paris and Paris, LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Case # XXXX We are doing a short sale on this property, to which the attorney, Paris and Paris LLP, has attached a judgement on behalf of their client, XXXX. We have called the attorneys office every day for almost 2 weeks with no response whatsoever. We have left no less than nine voicemails, each with our phone number, and have received no callback. 

Is there any way you can have them call us back? We are just trying to have someone at their office reach out to us so we can move forward with the short sale. 

The attorneys contact information is listed as : XXXX XXXX XXXX XXXX XXXX Paris and Paris LLP XXXX XXXX XXXX XXXX XXXX CA XXXX Ph # XXXX Attached is our authorization to speak to the attorney on behalf of the homeowner, and a copy of the judgement. Thank you so much for your time.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-30 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: NV

Complaint narrative:
I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

XXXX and Equifax need to delete this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX. 
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner. 

I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX. 
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX  XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX 

I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX  XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX. 

I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest. 

XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments. 

PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.

Company response to consumer: Closed with explanation