vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 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: VA

Complaint narrative:
Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has a grace period for pay your auto loans on time. When I paid my monthly payment for the loan it was within the grace period. The amount was for about {$200.00}, my monthly payment is {$240.00} and some change a month. 

They report to the three credit bureaus that my payment was late, it wa n't late because i paid within the grace period except for {$48.00}. I was short but did n't think I would be hit with a late payment when I did make the payment it was a little short. My balance would carry over not to hit my credit report with a late payment, which dramatically lowered my Credit score by a XXXX points. I 'm trying hard to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
XXXX XXXX known as XXXX XXXX XX/XX/XXXX opened multi accounts in-store branch -shortly after they were seized and closed down by law enforcement Govt. 

XX/XX/XXXX closed CD dep acct which I did n't fill with funds they did for {$1000.00} dollars in order to rebuild credit they say. Paid monthly XXXX dollars set up arrangements installed. Shortly, after closing bank down which I never received notification that they were closed or seized by the Govt,  XXXX XXXX /XXXX XXXX put the CD dep acct ending XXXX on my all credit bureaus as if owned {$960.00} dollars installed. Not true, after which, received a letter about no longer obligated to acct as it is closed no further action needed and received a XXXX credit on the same acct. Online shows bal XXXX cents XXXXX-17 therefore, making a tremendous dropped in my credit score of 143 points down from XXXX to XXXX unable and denied credit and apt housing when needed XXXX XXXX XXXX. Called spk to mgt yesterday said they will notify XXXX and all bureau o this fact and correct info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc.
State: NY

Complaint narrative:
I received a very deceitful mailer for a VA loan from a private company, Hypotec. It had the following features which would lead a reasonable person to conclude that this was not an advertisement : - The outside of the mailer opens like a check ( having to rip the tabs off the side ) - The outside says " Escrow Refund Benefit Allotment Notice '', leading one to believe there is a refund check enclosed - Inside, the document is nomenclatured as " VA-1211 '', like an official government VA form - Inside, header in big bold letters reads " UNDERSTANDING YOUR VA BENEFIT STATEMENT '' - Inside, phrases like " Your Economic Benefit '', " Benefit Allotment Notice '' and " Beneficiary '' are used in bold - Other features of VA official mailers are also used, such as notice numbers and notice dates in bold at the top - Disclaimer information in the letter is many times smaller than the rest of the associated font Any one of the features, in and of itself, is not fraudulent. However, together they show a clear intent to mislead Veterans into believing that they have received some sort of official communication. Veterans are often waiting desperately on official communications from the backlogged VA for basic medical needs and financial security. This type of advertising is cruel and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has refused to lower my monthly payments based on my monthly income. During this time my account as fallen delinquent, account balance and increased, and my credit has been damaged. They have required me to pay over {$1200.00} each month on these 4 private student loans. This has hindered me from being able to pay on my federal student loans at all. I have been paying them what I can afford. I now have a XXXX XXXX and they have still increased my required payment amounts even more. Finally, on XX/XX/XXXX ( while on a recorded phone call ) Navient agreed to temporarily lower my monthly payments. After providing my income statement, monthly bills, and being harassed about why I had each bill. Supervisor XXXX XXXX ( employee # XXXX ) stated my payments could be temporarily lowered to {$510.00} per month until XX/XX/XXXX. Then these payments would go back up to {$1200.00} per month. I was also told that my account would be reported delinquent to credit bureaus until at least XX/XX/XXXX before the account would then be brought current. I later received a letter in the mail that listed the recurring automatic payment dates but no detailed terms and conditions. On XX/XX/XXXX I received a call from Navient stating the payment arrangement would be automatically be debited from my account at XXXX and to make sure that I had the funds available. On XX/XX/XXXX the funds were deducted from my account. I am now receiving more harassing phone calls from Navient. They are telling me that my payment agreement has been rejected and that I need to call them back. Navient has taken my money and now refusing to honor our agreement and bring my account current. Please see attached payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
CommonWealth Financial acc # XXXX is reporting on my credit report. I have not been to the Hospital or had any medical attention and this is not my account reporting on my report with these people. I am requesting full deletion of this account on all credit reports to not be added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges. 

I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.

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 2017-11-01 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: FL

Complaint narrative:
I really need your help. There are some things reporting on my Experian report that is contradicting and I have asked several times for calcification and still the contradictions are there. I hope your company can help me with this. Experian reports an XXXX - XXXX only as XXXX XX/XX/XXXX but nothing prior to that. Another XXXX XXXX with a XXXX XX/XX/XXXX no previous payment history either.There is a XXXX account-XXXX.. shows charged off {$5600.00} but the past due balance is {$4100.00} how can one be higher than the other? There are 4 XXXX XXXX XXXX Three of the accounts XXXX, XXXX and XXXX are showing the same payment history exactly but one of the accounts states it 's due to continue reporting until XX/XX/XXXX and the other states XX/XX/XXXX and the other states XX/XX/XXXX if the payment history is exactly the same why would n't they state the same dates? The last 5th in question XXXX shows As of XX/XX/XXXX it was Foreclosed XX/XX/XXXX but no payment history before that. With so many different contradictions how can they have really researched them?

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 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The Fair Housing Act makes it illegal to deny or discriminate against people based on race, XXXX, national origin, religion, XXXX, familial status or XXXX when it comes to issuing mortgages or mortgage modifications. Master Servicer Bank of America and sub-servicer XXXX XXXX XXXX have discriminated retaliated against us by placing our home in foreclosure while in a active workout and while we have been making trial modification payments since XXXX 2016. Master Servicer Bank of America padded my inhouse modification with over {$100000.00} of unauthorized fees, misappropriated payments, failed to post escrow correctly, never corrected errors made from forced placed insurance, put themselves as the lender on our modification and they were never the lender. Bank of America the Master Servicer and XXXX XXXX XXXX the sub-servicer have retaliated against my husband and I through a variety of unfair and fraudulent tactics through targeting our XXXX to take advantage of and manipulate in-house modifications. Both Bank of America Master Servicer and XXXX XXXX XXXX sub-servicer have committed the following violations against us by targeting us : a ) Targeting XXXX borrowers with in-house modifications then do the bait and switch with dual tracking. ( See Exhibit A ) b ) Targeting XXXX borrowers holding fraudulent deeds and notes with denial of Hamp modifications. ( See Exhibit B ) c ) Targeting XXXX borrowers with in-house modifications that placed Bank of America as the Lender when Bank of America was never the lender. ( See Exhibit C ) d ) Targeting XXXX borrowers with in-house modifications that fail to provide the identity of a true current secured lender creditor. ( See Exhibit D ) e ) Targeting XXXX borrowers with in-house modifications that charged excessive interest. ( See Exhibit E ) f ) Targeting XXXX borrowers with in-house modifications that threatened to foreclose on borrower unless signed. ( See Exhibit F ) g ) Targeting XXXX with in-house modifications that inflated unauthorized and undocumented fees. ( See Exhibit G ) h ) Targeting XXXX with in-house modifications that padded mortgage with increased fees. ( See Exhibit H ) i  ) Targeting XXXX borrowers with in-house modifications stating they willfully and voluntarily give up their rights to a trial by jury. ( See Exhibit I )

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 2017-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Good morning, You have an demand deposit account linked to the email address XXXX,  possibly under the name of XXXX XXXX, his number is XXXX. This person is involved in criminal activity and it is doing fraud. I transferred {$400.00} from my bank account to his account using the mentioned email on XX/XX/XXXX in exchange of concert tickets. He stole my money and never sent the tickets. I requested an investigation from my bank and requested to cancel the transaction within an hour of sending him the money. It was in process at this time. I want Citibank to take its fiduciary responsibility, refer this complain to the Bank Secrecy Act / Compliance Officer, conduct a research, monitor transaction activity in this account, and file a Suspicious Activity Report. This person should be in the radar screen of federal prosecutors as he is committing online fraud activity. See attachment for evidence. Please take action.

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 2017-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
Several years ago I had an account with US Bank and the account was closed by the bank with a credit of XXXX and I did n't have a forwarding address and never received the money. I do not have a date of this closing.. other than it was probably 10 years ago?? I tried to find a claims for or return funds form and could find it.. It is hard to find what I need because it is very specific..

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 2017-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bliksum, LLC
State: CA

Complaint narrative:
I been receiving multiple phone call from this agency.XXXX XXXX area code : Toll-free Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number. 
Left a VM saying, " This is XXXX calling with XXXX XXXX  an advocate for the XXXX County courts calling to notify you of your appearance date requested to be scheduled for this coming Friday, XXXX XXXX, 2017 at XXXX ( today is XXXX XXXX, 2017 ). As the XXXX XXXX, we do not hold the contents to your case. You must contact the filing party if you have any questions or concerns regarding your expected appearance. They can be reached at XXXX. Again, they should be able to answer any questions regarding the time, date and venue in which you are expected to appear. Thank you.XXXX is XXXX XXXX XXXX XXXX, a debt collection agency. 

I called them to see about this matter and XXXX was being very rude and yelling at me because I was asking questions and did n't want to pay her. She state that " I hope you suffer. '' I just hang up on her. She stop calling for a day and now is calling all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I faxed over a modification package and it was received. Representatives at SPS stated that they received the modification, but they did not open the file and that they would continue with the foreclosure process and foreclose on the house on XX/XX/XXXX. A letter was received on XX/XX/XXXX stating that they received my home retention paperwork and to discuss the option available to me. This paperwork was received the same day that my house was to foreclose on. I had to file bankruptcy to keep me home, which an representative stated that I should not file bankruptcy. I opened a case and submitted all paperwork. SPS was not accepting payments anytime during this process. They checked my credit and denial me a modification to keep my home. They sent paperwork for me to do a short sale or deed in lieu of. I am trying to workout a solution to keep my home, but they are not trying to work with me. SPS polices and practices, constitute discrimination against applicants with respect to credit transactions on the basis of race and/ or national origin in violation of the Equal Credit Opportunity Act, 15 U.S.C. 1691 ( a ) ( 1 ). SPS induced the foreclosure by failing to offer refinancing or a loan modification to XXXX on fair terms- which constitutes a particularly egregious form of redlining, given that XXXX sought a loan modification with respect to a bad loan that the bank previously made to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I applied for an auto loan with Wells Fargo. To my knowledge, the loan was approved. For the last three years, they have been taking the monthly payment from my checking account ( with my approval ). On XX/XX/XXXX I  received a letter from Wells Fargo Auto Finance indicating my loan had been declined. I contacted Wells Fargo and was told that " It might be an error ''. I asked for a letter stating that and was told that could n't be done. 

It makes no sense that three years AFTER the loan application AND taking the monthly payment, that I should receive such a letter. Nor does it make any sense that they will not put in writing that this is a mistake. 

I contacted the Office of the Attorney General for the State of Minnesota. They have sent a letter to Wells Fargo and strongly encouraged me to contact you as well. 

I 've included the two-page letter from Wells Fargo, dated XX/XX/XXXX and the first invoice I received, showing the first payment was due XX/XX/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 2017-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Debt was paid in full XX/XX/XXXX and car was PAID OFF, yet Hyundai Motor Finance is still holding the title to the vehicle. I have contacted them MULTIPLE times about having the title released and as of today XX/XX/XXXX, the title STILL has not been released after multiple phone calls and assurances that they were releasing and mailing me the title. Every time I call they have some new form I need to submit which was not spoken of the numerous other times I 've called. I 've complied with their requests every time. The last time I called was XX/XX/XXXX and I was assured then that title was being mailed out after I sent them the odometer reading which was sent. Today when I called they told me I now need to send them a " Bill of Sale '' which I do n't have and had never heard I needed before today. I am trying to sell the vehicle and can not do so until I have the clear title. 

In addition to this issue, every time I call I have to go through customer service and sit on hold for over a half an hour before I get to speak to someone. Then once I get to a representative, I am put on hold multiple times while they " research '' the account. Each call usually takes an hour or more. I need a direct point of contact. I have asked to speak with the title department directly but " they do n't receive calls from consumers. ''

Company response to consumer: Closed with explanation