vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I froze my credit with Experian on XX/XX/2016. I received a pin should I need to thaw or lift the freeze. I applied for a job, was hired pending the credit report. When I tried to thaw the report, even though I had my pin, I was told I needed to mail several identifying papers. I did not get the job due to my credit not being available. I never asked to have my credit " monitored '' from Experian. I feel they stole my information, and now I can not go forward until this is resolved. at best, there should at least be a number to talk to someone. I tried for days, calling many different numbers. They all have the same mantra of a recording asking if I want MORE protection for only {$21.00}!! How can you allow this? I have excellent credit, and Experian has punished me with their inept business practices. They should not be handling this vital 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 2018-12-06 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: CA

Complaint narrative:
I had been a XXXX customer for nearly seven years. 

My next bill date of XX/XX/2017 was for {$130.00} plus other charge of {$79.00} for service call of XX/XX/2017. I dispute that {$210.00} bill. 

The {$79.00} was for loss of service due to incorrect - unprofessional installation through no fault of my own. Cable was improperly connected at the pole allowing rainwater into the cable that caused the failure. 

Before the end of the grace period of the next billing cycle from XX/XX/2017 to XX/XX/2017 for {$130.00}, I called XXXX on XX/XX/2017 to cancel and discontinue my account no. XXXX XXXX XXXX XXXX. 

I was instructed that XXXX would not retrieve the cable box and modem. The next day I delivered the cable box and modem to a XXXX office on XX/XX/2017, receipt : XXXX. 

My balance to XXXX is {$0.00} Since then XXXX has continued to bill me for services not rendered or no longer wanted. 

{$210.00} above : Services from XX/XX/2017 to XX/XX/2017 I also dispute the following bills. 
{$350.00} then : Services from XX/XX/2017 to XX/XX/2017 {$410.00} then : Services from XX/XX/2017 to XX/XX/2017 Since then XXXX has hired two collection agencies who declined to collect on the false claim after I sent them documentation. 
XXXX has continued to report that false claim to the Credit Bureau negatively affecting my credit score.

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 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
On my XX/XX/2018 my partner and I decided to proceed with the Loan assumption to be under my name XXXX XXXX XXXX XXXX, for the house located at XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX. Normally the assumption process take 1 to 3 months according to the Mortgage company. on XX/XX/2018 the loan assumption got approved and my partner XXXX XXXX should be removed from the loan # XXXX from Nations Direct Mortgage. I call on XXXX to find out when the new bill under my name of XXXX XXXX XXXX XXXX will arrive, but XXXX XXXX, she told me I had to wait until the mortgage get recorder onto the Credit bureaus report which happen every XX/XX/XXXX of each month, that is mean they will update my information on the XX/XX/XXXX so it will recorder as a new loan owner, but did not happened, I call again to find out on XX/XX/XXXX and again XXXX told me it is missing documents so she can not summited to the credit bureaus and I have to submitted the Home insurance policy again and after she received she told me that I have to wait another month that is mean XXXX no later than XX/XX/XXXX so Direct mortgage can update all my information in their system. I been call several many time and no answer I received anybody avoid my call or does not want to answer why is taking so long to transfer my name to the loan. I am victim of discrimination and power abuse for part of the Nations direct mortgage located XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , IL , XXXX telephone XXXX because even do the Underwriting and the Direct Mortgage approved the loan on XX/XX/2018 I still paying my house and no Manager, no supervisor, no customer services return my call and I don't know what happened until now, why they are delaying to change the loan to my name,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bit Express, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX   Issue : Seeking a refund from Bitexpress which held XXXX I deposited on XX/XX/XXXX. This is their process for first time users to protect against fraud as well as simply being a first time user. 

Timeline : XX/XX/XXXX deposited XXXX as instructed from XXXX XXXX to buy a vehicle. Bitexpress allows bitcoin purchase.

They hold money for first time users of their machine to evaluate if a Fraud is detected, which I had no problem with of course.

I talked to a person only 1 time via the phone number that is text only XXXX XXXX XXXX which she said I will be refunded the money ... never told me when. 
Since then I call and call and the XXXX subscriber voice mail keeps saying no one is available I have since then text since the XXXX XXXX XXXX   is text only from Bitexpress XX/XX/XXXX sent my first text ... response ... we will call you shortly which 1.5hrs later after I text again a lady called XX/XX/XXXX I Text again twice ... response is Our team is working on your refund as quickly as possible. You will be notified through text once the check is sent out ... .I asked for a call back and no further response XX/XX/XXXX sent another Text asking why have no one responded ... .No response XX/XX/XXXX same thing XX/XX/XXXX same thing XX/XX/XXXX ... I get a Text ... Terribly sorry for the delay. The refund is already in process and you will receive a text message from us once it is sent out. 
XX/XX/XXXX I text asking if it has been sent out yet ... .no response XX/XX/XXXX I text asking if it has been sent out ... no response XX/XX/XXXX same thing I have my receipts from my Bank withdrawing the Money as well as the receipt from BitExpress

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc.
State: NY

Complaint narrative:
In previous complaint,XXXX I advised that Credit Bureau Collection Services, had contacted my primary number. At that time they had taken part in 3rd party disclosure as advised in complaint listed. I at that time on XX/XX/18 I advised this company of my wish of a verbal cease and desist. Advising them to no longer contact myself by phone, I only wanted to correspond through my verified mail address. On XX/XX/XXXX  at or around XXXX I recived a call from this company from phone number listed ( XXXX ). They were attempting to collect the medical debt once again via phone. This company never supplied me with a validation of debt, nor a chain of custody agreement as I requested. They are now not only violating my rights as a consumer, and my legal verbally cease and desist order I provided them by again calling me, they are now also violating yet another law. They are foreshadowing the validation period, by attempting to collect and taking part in collection activity of the debt prior to myself being provided the validation paper work that I verbally requested on XX/XX/2018. The law states that they must refrain from collection activity for 30 days, after they hav supplied me with the validation paperwork I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recovery Service, Inc.
State: TN

Complaint narrative:
This company calls from XXXX, and the caller ID shows it as being from either XXXX XXXX XXXX or XXXX. It is actually National Recovery. I do not have accounts with either XXXX XXXX XXXX or XXXX, and I have asked them to stop calling. They are hiding behind both of the companies to commit fraud. I don't know if the stores know that this company is spoofing their names. 

They call three or four times a day and are blocked on my cell phone.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-06 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: MO

Complaint narrative:
COMPLAINT ID XXXX XXXX I have submitted a request in the above listed Complaint ID 's to have an unauthorized credit pull removed from my credit history. The company has removed the unauthorized credit pull from XXXX however they have not removed the pull from Equifax. 

I would like to have the company also remove the credit pull from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express called my Father on XX/XX/2018 to ask about my Card that was past due. I am not a Minor, and they have no legal right to discuss my debt with my parents. The billing statement was only 2 days past due, and they were calling my relatives about my debt. The were talking to him and told him the exact amount due, and private information about my debt. I assume it is american express, but they are also calling my cell phone from various different numbers, and the voice mail is telling me to call a different number than the caller ID is coming up as. In this age, where there is so much fraud and identity theft, they should only be calling from known published numbers, not random numbers. When someone leaves a voicemail, with a computer generated pre-recorded response, telling me to call a completely different number, that in my mind is someone trying to steal my private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/18 my wife XXXX and I entered into a lease agreement with Toyota Financial Services for a new XXXX XXXX for 3 years. At closing, I was asked if we wanted GAP insurance and given a price of approximately {$30.00} per month. I knew the price was high and asked if it was cancellable at any time. Finance Manager XXXX XXXX said that was indeed cancellable at any time. So I agreed to purchase this GAP coverage. 

On XX/XX/18 my wife called the dealership inquiring into cancelling the policy. She was given an XXXX number, called it, and was given a fax number and instructions to hand write ( and sign ) a note asking the policy to be cancelled. Attached is a copy of that letter and fax delivery confirmation. 

Now, Toyota Financial is saying that not only have they not received the request ( this is a minor concern, as I have reiterated the request through a secure message on their website ), but that upon receiving the cancellation notice, we will continue to pay the roughly {$30.00} per month for the GAP coverage for the duration of the lease. This amount will come off of the principal balance of the car at the end of the lease agreement. 

1 ) I lose the time-value and interest on this money, which is of course outright robbery, that these finance managers at Toyota pretend not to even understand this concept. 

2 ) When I asked if the GAP was cancellable, and was told yes, at any time any reasonable person would not assume that this monthly bill would continue on until the end of the lease. At a minimum this is highly deceptive and reckless ; what is very likely is that it's a scheme to steal from people through dishonest practices. At the very least, this arrangement should have been disclosed ( i.e. " yes, its cancellable, but you are locked into this exact payment, and we return the excess payments through reduced principal at the end of lease '', for example ), and if it had been disclosed and I was fully informed of the arrangement, I definitely would not have agreed to purchase the coverage. This lie, this deceit, changed my purchase decision entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Global Lending Services LLC
State: VA

Complaint narrative:
On XX/XX/2018, 8 different financing companies ran my credit : Global Lending Services, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I believe what happened was that the car dealership I went to ran my credit without my permission. The car dealership is called XXXX XXXX  on XXXX XXXX XXXX XXXX  XXXX, VA XXXX. 

On XX/XX/2018, XXXX XXXX XXXX also ran my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2018 I was trying to get all the amounts I owe from all my credit cards under my name to see what I can start paying it off because I didnt have a job at the beginning of the year and I wasnt trying to get all my accounts closed because I need credit line. Soon Ill get a settlement from a lawsuit I had so I want to be able to have some credit line after I pay some off. I didnt get noticed about my accounts being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In late XX/XX/XXXX, I received a letter from Bank of America alerting me that my Credit Limit had been decreased from {$4000.00} to {$2200.00} due to a delinquency in the account. I was extremely confused by this as the payments are automatically sent every month by XXXX XXXX XXXX. I called Bank of America and was informed that the account was considered delinquent because my last payment was late and I was hit with a {$27.00} late fee and they are unable to waive the fee. The agent I talked to stated that the due date was on the XXXX for that month. Normally the due date for Bank of America is on the XXXX. There was no holiday or any reason for the due date to have been moved that month. The agent was perplexed by this and could not offer a reason why the due date was moved up. 

By having the due date moved up ( without consent ) my payment was considered late which triggered a late fee and made the account delinquent per Bank of America. This also caused the account 's credit limit to be sharply cut as well. BoA has offered very little to assist in this and I am submitting the complaint to the CFPB as the due date should never have been changed and was utterly unacceptable.

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 2018-12-06 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: Financial Assistance Inc
State: GA

Complaint narrative:
Financial Assistance Collection agency is currently reporting a collection on my credit report for the amount of {$990.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I was about a month away from the end of my deferment period after graduating with my XXXX XXXX degree and was enrolled in a graduate program. The school had already sent out the information to lenders so my deferment should have been continued but I continued to receive notifications that I had to pay soon. I contacted Navient to get this fixed, as I am not working during my program and can not make any payments so the deferment was necessary. The person I spoke to said that he didn't know if they got the information from my school stating I would be enrolled full-time so I got a letter directly from the admissions office with all of the necessary information to defer my loans and submitted it immediately. My payment date was coming up in a few days at this point so I asked them how long it would take to change this on my account and stop the payments/begin deferring my loans again and he said it would range from one to two weeks so it is mandated that I make a payment so I am not late. I made the payment after getting off the phone with him and the next day, my deferment was accepted. Thoroughly disappointed in the inaccurate information I was given, as I have limited funds as is and made a large payment when I should not have had to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 Closed : XX/XX/2015 - {$1500.00} Closed This is not my account. Account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: NJ

Complaint narrative:
XX/XX/XXXX : I arrived at a BoA location to make an ATM deposit. I attempted to use an ATM. It gave me an error. Another customer was off to the side and noticed this. He said that ATM is having issues and that he is on the phone with BoA right now about an error that ATM just made on his transaction. I cancelled out of that ATM, walked over to the next one and made my deposit. When I requested an e-mail only receipt as usual, it gave me an error and printed one instead. I didn't think more of that - I threw the receipt away. 

XX/XX/XXXX : I noticed that BoA made the deposit successfully but also made a withdrawal at the same time for the same amount. I called in to dispute this as I did not make this withdrawal. I gave the rep all info including about the other person who was on the phone making a claim. 

XX/XX/XXXX : I received notice from BoA that my claim was denied because it was " The same person that used both ATMs ''. At this point I realized that the ATM glitches were causing them to think I used and made a withdrawal at the ATM that gave me an error. I asked them to re-check the claim and get photo and video proof that I was withdrawing money from that ATM. I specifically mentioned this being a BoA banking location lobby on XXXX XXXX in XXXX XXXX, blocks away from XXXX XXXX. I mentioned this because they should have very clear photos and videos of that entire transaction that would be easy to pull. The agent said they will get back to me within 10 days, the standard for claims. 

XX/XX/XXXX : I called in BoA to get an update on the status. The first agent said they don't see any updates since XX/XX/XXXX and they asked me if BoA had reached out to me since XX/XX/XXXX. I said they did not and requested an escalation to a manager. I spoke to a manager who told me that the guideline for reopening claims is actually 60 days and that they do not have any limit on the amount of time to review a re-opened claim may take. 

It's at this point now that I'm frustrated because BoA glitched out, took money from my account, refused to properly review the claim, did not communicate the " guideline '' for reviewing reopened claims, and now they are telling me they have no timeline to review the re-opened claims.

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