vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 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: NC

Complaint narrative:
Equifax has added several items back to my credit report items that were previously disputed and removed from report, Equifax did not provide a 3 day notice to me notifying me that this action was taking place ... 
1 ) XXXX XXXX XXXX XXXX account number XXXX****** item was removed from report in XXXX following a dispute item reappeared on report XX/XX/XXXX showing a report date of XX/XX/XXXX no historical payment information included I have previous credit report all dated over the pass 2 years without this account appearing on them 2 ) XXXX XXXX XXXX account number XXXX Previously removed following a dispute in XXXX item reappeared on report without any notice from Equifax ... Shows a reported date of XX/XX/XXXX however item has not appeared on credit report in over 2 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: CA

Complaint narrative:
My father filed for bankruptcy last year. When this happened access to my student loan account was taken away because he was a cosigner on the account. When I submitted a cosigner release for it took them several weeks to get back to me with a decline. They told me it was declined because it was in bankruptcy but I am not the one in a bankruptcy, my father is. The only way to make payments now is to call in every month and I don't even know how much I owe. They also continue to accrue interest on my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One, an unfair organization, closed both of my credit cards which I had for over a year because couple of payments that I made did not get authorized by the bank. When I was receiving an alert after few seconds I was making the payment which was going through. To point out that was not the norm but an exception. 
On XX/XX/XXXX I processed a payment on both cards, on XX/XX/XXXX they closed my cards because they did assume that my payment will not go through and on XX/XX/XXXX they posted my payment made when they had already closed the accounts, without any warning or a letter. The fraud department that I had to speak to, was not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This account is a fraudulent account that was not opened by me. I keep getting statements in the mail and I never opened this card. You can check the transactions that it was not done by me. I went on XXXX and filed an Identity Theft report to help me take care of this.

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 2018-05-08 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: DISCOVER BANK
State: VA

Complaint narrative:
I am a victim of account takeover. The hackers created a chip based card and had a PIN to withdraw fund from ATMs. The perpetrators has also found a way to intercept my paper statement and send me modified statements so I would not see fraudulent activity. I only caught the activity because of fraudulent activity on another account from another bank so I checked all of my cards. Discover is holding me accountable solely because they were chip and PIN transactions. The police were not able find any proof of fraudulent activity because Discover took so long to respond. All video evidence of the activity was no longer available. I have filed a claim with the FTC for Identity theft. Report number XXXX. XXXX County Police report number is XXXX. The FTC suggested I contact you since I have taken all of the appropriate steps but have not have the correct outcome with Discover. 

I have evidence of all of the activity but am unable to upload since the scan is greater than 10MB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report as a debt, they have not provided me with any information stating this debt belong to me, they have not verified any account info etc, I have never had any obligations towards this company, they do not state who they represent..no information at all provided to verify my identity that this debt is in fact owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited accidentally to my Bank of America account a check from my XXXX account for XXXX dollars. The XXXX account was closed recently before this transaction. After deposit the check on the atm I made a cash withdraw for the same XXXX. I just simply had messed up. But, when I realized that the XXXX check didnt clear and I was negative in the Bank of America account, immediately I made a deposit in cash to bring the balance back to positive. 
But- they closed my account and report me to check systems for fraud not able to open another for 5 years. If a moment of not thinking cost me this situation Im in, how about those banks which American citizens had to bailout their debt in XX/XX/XXXX? What I should had done?

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 2018-05-08 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: GA

Complaint narrative:
Miscellaneous information reporting by XXXX XXXX Bank. 

I spoke to several representatives at XXXX XXXX Bank and they stated they are not reporting any information, yet there is negative information reporting on my account. 

They stated they do not have any information expect from an account in XX/XX/XXXX. All representatives stated they are not reporting and no longer even have access to the old account. 

However, on my credit reports, a miscellaneous XX/XX/XXXX and XX/XX/XXXX show XXXX XXXX Bank XXXX reporting late on payments. 

I do not have an account with XXXX XXXX Bank XXXX and they admit I do not have an account with them but will not remove the inaccurate reporting. 

People I spoke with at XXXX XXXX Bank XXXX, XXXX ID # XXXX ; XXXX ID # XXXX ; XXXX ID # XXXX ; others refused to provide names or ID numbers. 

All XXXX XXXX Bank customer service representatives stated XXXX XXXX Bank XXXX is NOT reporting to the credit agencies, but refuse to address the issues where someone from XXXX XXXX Bank XXXX is clearing reporting incorrect 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 2018-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CO

Complaint narrative:
After struggling for months to begin making payments on an income based repayment plan I was approved for in XX/XX/2017 and trying to make payments on, a 2 month forbearance was applied to my account without my consent. When I asked a representative why the forbearance was applied I was told that they could find no reason for the forbearance to be applied. The representative confirmed that the forbearance should not have been applied and was not agreed to by me. I'm concerned that XXXX XXXX is applying forbearances to accounts of borrowers who are struggling to make payments to continue to keep borrowers like me from beginning making payments on IBRs and to continue capitalizing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I do not owe this amount. Property they are trying to collect from I was not the owner or a resident at the time and I did not authorize these services. The company has yet to show me any documentation that shows I was a resident at this property at the time of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
SALLIE MAE reported to XXXX that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For some odd reason, XX/XX/XXXXis past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with XXXX on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On Friday XX/XX/XXXX. Restaurant charges were taken from my available balance. There where no checks written on my account and nothing pending as of Monday Morning. On Monday evening the bank charges me 6 nsf fees all which had come out of my available balance on Friday. The representative stated this is because of a charge that posted on Monday for XXXX. The bank is constantly moving things around to charge additional overdraft fees when the money has come out of my available balance. The only thing I use is a debit card so I am unsure as to how is this possible if it is already taken from my account. My account went from -XXXX to being negative over XXXX dollars. They picked and. Choose which accounts to charge a fee. I would think all of the restaurants and shopping stores after XX/XX/XXXX would have a charge as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Executive Office, I was told XXXX and the executive team would be able to resolve this once and for all for me so I'm writing in hopes to hear back with full resolution once and for all. 

I have been a longtime and loyal customer and have had issues on my Bank of America credit card with incorrect charges and charges not belonging to me. I have reported it now several times and then was informed these are and were not prosperous handled and someone should have replied back to me and handled it within the allowable time frame. I understand now since that hasn't been done you should be liable to clear the balance on my account. I received a call and text message from you guys on Monday this week advising that there was a suspected fraudulent charge and I called In and it was again not a charge I made and I noticed you of that. I went through a process with someone in the fraud department and I think he handled it but this has been ongoing and now the account I understand is closed and I'm being reissued another card and new account number but his should have been done long ago. I haven't yet receive the new card or information but I do want to be sure you have cleared he balance to XXXX on this account that is now closed. 

I have just had both grandparents pass within weeks of each other so to have this occurring right now is so unbearably hard. I have tried handling this and now I'm at my wits end. We have stayed loyal to you Bank of America but you have done us wrong so many times it's making it very difficult. 

My husband was XXXX with you for years and was let go when you all had a major lay off here in our location and he didn't ever get his personal items mails to him as we were told and we let that go but that I thought was also poorly handled. He was laid off one day and a group of people and they were told they couldn't go back to their desks or anything and everything would be mailed to him and never was. He has things that never were replaced or sent and I think we should have followed up with your team on this. He followed up with HR and the number he was told to call an no one ever replied back. This has been over two years now so I'm sure there is no way to retrieve the items. 

I would like to know my credit card has been closed and the balance is XXXX and a new card has been mailed to me. I have not received the new card as of yet. 

Please confirm this has been completed. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX Sent from my 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 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: NJ

Complaint narrative:
I got laid off from my job in late XX/XX/XXXX and immediately did whatever I could to find a new job. Pretty soon I was no longer able to make the payments on the mortgage. We contacted a state sponsored program for NJ Homesaver and just as we applied the program was changed and the church in XXXX XXXX NJ said they couldnt help us with that program. I eventually got another job in XX/XX/XXXX but that company couldnt make payroll as of XX/XX/XXXX and I was out of work again. I went looking again and even took a job outside my field and it eventually led to a good XXXX XXXX which I have had 30 years experience in. Then I contacted the bank about a modification. They sent us the modification application and now there was hope. Now that I finally had a stable job and the mortgage note was sold to Iberia Bank we had a chance. Also, both my wife and I were working full time, I also thought we had a solid shot as I worked full time and my wife was a XXXX XXXX XXXX XXXX. I called them and asked about my options and if they had a date for the sale yet on XX/XX/XXXX. They did tell us we must submit our XX/XX/XXXX return which was not finished yet. ( We had filed an extension ) When our accountant had taken longer than we expected to complete the tax return, we then called again to make sure there was not a date for the sale in XX/XX/XXXX and they said there was no sale date. As of today, we were not served with any paperwork from the court or Iberia Bank accept for the Lis Pendens which was sent to us XX/XX/XXXX. We then received paperwork from a lawyer saying we had to pay rent or vacate the premises. The letter was dated XX/XX/XXXX and the rent was due XX/XX/XXXX. The letter was postmarked XX/XX/XXXX. It also said our lease was terminated and we had to vacate the premises no later than XX/XX/XXXX. Then we were mailed a tenancy summons to appear in court on XX/XX/XXXX, as part of an eviction process. We were never formally served and had no idea any of this was going on until XX/XX/XXXX when we received the first letter from the lawyer. We were also told by a lawyer that we didnt use any postponements, which makes the case that we had no idea that any of this was going on. We never even had the opportunity to plead our case in front of a judge. Iberia made it seem as though we would be considered for a modification while all the while they were proceeding with the foreclosure behind our back. We just want a chance to keep our home!

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 2018-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I missed a payment and got 30 days past due. I Had paid off a previous loan with them so I always paid but honestly fell a little behind during the holiday but communicated this with them ... so they defaulted on my loan and is seeking a judgement and I have tried to settle this debt with them and they will not budge ... .i know other people in that office were way more delinquent but they didn't default on them ... Nor will they return phone calls.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I try explain to them these inquiry were done without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a debt collection letter from Synergetic Communication , Inc. It states that I owe a debt of {$4000.00} to a post-secondary education company called XXXX XXXX XXXX, and offers a settlement amount of {$1000.00} that they demand be paid by XX/XX/XXXX.

I have never used, or heard, of XXXX XXXX XXXX, and have never received received any phone calls from either company before today. I do not have any outstanding past-due debts.

I have, so far, attempted to call Synergetic Communication , Inc. twice. Once at a phone number provided on the letter I received, XXXX, and again via another number I found on their web site 's contact page, XXXX. In both attempts, I was put on hold by an automated system for less than 1 minute before being given an option to leave a recorded message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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:
Experian is reporting account XXXX/XXXX on my credit file as closed and this account is opened and in current status I have notified them of this numerous times and they will not correct the account to reflect correct information and ignore my requests

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 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
RE : Cavalry partial account # XXXX Cavalry Portfolio SVCS has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}.

The above mentioned account is an old XXXX XXXX credit card which was closed due to fraud back in XX/XX/XXXXwith the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old.

I have written Cavarly Portfolio twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX.

Cavarly Portfolio has refused to provide those records and alternately become more aggressive trying to collect.

I will prove that Cavalry Portfolio has been engaged in fraud against consumers for years.

I will prove Cavalry Portfolios intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit.

Cavalry Portfolio has also provided untruthful statements to XXXX, XXXX & XXXX  in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports.

These and other willful schemes of Cavalry Portfolio has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord.

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court.

Through my research, it seems Cavarly Portfolio has a history of manipulating records and attempting to collect on debts they have no legal right to collect.

I have requested records of this debt and Cavalry Portfolio has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.

Company response to consumer: Closed with explanation