vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america wants me to verify dual citizenship in order to use online banking.I have been with bank of america for over 25 years and I feel the bank is trying to do the job of our immigration dept. they already have my social security number and phone number and address.

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 2018-09-11 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: Credit Karma, LLC
State: MS

Complaint narrative:
XXXX  continues to report a balance for assurance even after Ive shown documentation of a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: PA

Complaint narrative:
After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I rented a car from XXXX on XX/XX/2018. On Friday XX/XX/XXXX I called XXXX Local Branch XXXX and verbally told them not to authorize payment on card XXXX. On XX/XX/2018 I cancelled the debit card ending with XXXX. On XX/XX/2018 There was a forced debit. over 1200 of unexplained charges. 

XXXX had verbal authorization not to use my bank account. Called Car Return and Notified Manager. Forced hard debit over 1200 on my closed debit card. That transaction was not authorized.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2016, we locked in a rate of 3.375 % and a lender credit of {$1100.00} from Wells Fargo. They said there should be " no problem closing on time. '' On XX/XX/XXXX, we were told that the person in charge of our case at the bank believed the appraisal had been performed. We did not get a copy of the appraisal until XX/XX/XXXX, close to our closing deadline. The appraisal was low and of the WRONG HOUSE. Our closing date was supposed to be XX/XX/XXXX, but Wells Fargo caused us to miss it by repeatedly requesting and losing the same information and documents and appraising the WRONG HOUSE. 

They also lowered the amount of the loan from {$510000.00} to {$470000.00} because of the erroneous appraisal, and informed us that once an appraisal challenge was lodged, all of our locked-in terms were null and void. The seller had a back-up offer and would not wait, so we had to borrow the difference from a relative and close. They bumped the interest rate to 3.5 % and withdrew the lender credit of {$1100.00}, even though we had opened an account at a Wells Fargo Bank for direct withdrawals as they required. 

We closed on XX/XX/2016 under the new terms rather than lose the house. 

Wells Fargo then began a review of the case at our request. Again, they asked us to send endless duplicated documents and kept assuring us that we would be given a fair decision. After months and months of this, they decided to do nothing to remedy the problem. 

We have suffered financial losses and frustration. I have to believe this is a pattern with Wells Fargo to promise the world and then make sure customers lose on technicalities of the bank 's creation.

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 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: NY

Complaint narrative:
On XX/XX/2018 this company contacted a relative of mine and threatened legal action against me. I then spoke to the company regarding this debt that has been settled for well over 10 years and then this company did threaten judgement and wage garnishment against me. This has all occurred without any correspondence by mail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
in XX/XX/2018 I noticed an item pop up on my Transunion credit report for XXXX XXXX XXXX, i called them on XX/XX/18 and spoke with XXXX who I informed this loan was fraud and that I did not open this account. He told me they sold this now debt to XXXX XXXX XXXX XXXX and said that they no longer have any documents with information about this loan. I can not get ahold of anybody at XXXX XXXX. 

On XX/XX/18 I sent a certified document to Transunion disputing this item on my credit report. I explained to them that this was fraud and placed a fraud alert on all 3 bureaus for this. I explained to them that unless they verified and validated this item per the FCRA that they can not list this on my credit report and would be breaking the law. 

On XX/XX/18 at XXXX I called Transunion to discuss the letter they sent me in the mail in response to my letter i sent. The rep i spoke to said that Transunion " validated '' XXXX XXXX XXXX, I was transferred to a supervisor since the rep couldnt help me. I explained to the rep under the FCRA that they can not list any collections from a collection agency unless Transunion has physical documentation such as a signed contract. She admitted that they do not keep records of collection agencies alleged proof of debt and I told her then that is not legal to list any of this w/o this documentation. I also informed her that this is fraud and my identity has been stolen and so this should be removed just based on that. She informed me that XXXX is still pending based on the docs I sent to them. Estimated completion is not XXXX which what the letter they sent me states, she said estimated completion is XX/XX/XXXX. 

I sent Transunion screenshots from the Oregon DFR which regulates licenses for collection agencies and companies who conduct loans. XXXX XXXX XXXX do not have a license to conduct business in Oregon. Even after all of this proof I sent Transunion that this is fraudulent on several different levels, they still came back and said this item is verified and will not remove it from my credit report. I tried disputing it again on XX/XX/18 and was told that Transunion does not have the ability to remove items and that the company or the collection agency has to inform the credit reporting agencies to delete an item. This is false information and not true, they absolutely have the ability to delete fraudulent and inaccurate items from anyone 's credit report. I filed complaints separately for XXXX XXXX XXXX on the Oregon DFR, the CFPB and filed an identity theft report with the FTC.

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 2018-09-11 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: BB&T CORPORATION
State: AL

Complaint narrative:
I filed a complaint against XXXX XXXX because they were incorrectly reporting to the credit bureau. Their response was a copy of my payment history which was not what my complaint was. 

I did a volunteer surrender in XX/XX/2016 of my vehicle. Since then XXXX XXXX have sold the vehicle, which they did not provide me a copy of the sale. In addition XXXX XXXX did a write off for a loss with the department of XXXX. 
Upon further research I learned that since XXXX XXXX was able to use my account as loss they should not be reporting to the credit bureaus.

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 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.

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 2018-09-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.

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 2018-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient wrongly placed my loan into in-school deferment sometime in XXXX. I was not given a notice of this, but a blurb was buried on my XX/XX/2018 statement. Having been enrolled in Autopay, I do not routinely check my statements, instead relying on my Loan Servicer to collect the payment appropriately and keep me on track for full repayment by my maturity date. Never having requested in-school deferment, Navient neglected to collect my loan payment for the following months, until I discovered it today. Upon contacting Navient by phone on XX/XX/XXXX at XXXX Pacific time, I  spoke with XXXX, Rep XXXX. She claimed that I was sent a communication in the Navient portal, and upon further questioning realized that no separate notification existed. It was instead an after-the-fact notification on a monthly statement, after the change had been made without my consent, hidden in a monthly statement that I had not been checking because my loan was enrolled in automatic payments. I have asked that Navient refund the capitalized interest, and indemnify me from their mistake by crediting the accrued interest from the deferment that I did not request. When XXXX declined to do so, I asked to speak with a supervisor. XXXX, XXXX, joined the phone call, giving her title as Supervisor. " On behalf on Navient I sincerely apologize that you were not notified. '' She confirmed that during the deferment period that my loan was put on, not only were payments not collected, but a 0.5 % interest rate reduction for being enrolled in autopay was also removed. I requested that my loan be removed from deferment immediately, and that regular payments begin being made. This call lasted approximately 50 minutes. As a result, I have had over {$250.00} in additional interest be capitalized to the loans principal, and have not had over {$1000.00} in principal reduction made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: SC

Complaint narrative:
Experian continues to perform and report inaccurate and unverified data on my credit report. Having looked at Public Records, against Experian, This company continues to Report unverified data from automated systems by the agency. I requested Experian to investigate items on my credit report that I believe is mixed data with my son. Ive sent certified letters requesting names and phone numbers of individuals from the Agency who verified my account without success. CFPB please assist me with the information I requested from Experian I have copies of the certified letters I sent them upon request.

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 2018-09-11 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: NY

Complaint narrative:
On XX/XX/XXXX, I received my tri- merge annual credit report and see some hard inquiries that I do not recognize and authorize. 
On XX/XX/XXXX I contacted Equifax via certified mail about the inquiries. few weeks later they responded by saying it was factual record of file access. 

On XX/XX/XXXX, I sent out another certified letter explaining that I did not authorize or recognize these 2 inquiries from XXXX posted on XX/XX/XXXX and XXXX/XXXX posted on XX/XX/XXXX. 
They responded again by saying those inquiries are factual record and asked me to contact directly the creditors. 
Immediately, I contacted both XXXX and XXXX/XXXX on XXXX XX/XX/XXXX via separated certified mail through address provided by Equifax . 
The package was Return unable to forward. 
For the 3rd time I contacted Equifax letting them know the address for creditor the provided me, has came back unavailable. And I request them to verify their reporting and provide me name of individual that provided them with those inquiries. 
They came back with same respond that the inquiries are factual record and to contact the creditor. 
On XX/XX/XXXX I contacted Equifax for the 4th time asking them to provide me for the last time with people they contacted for their investigation and they fail again and again. They keep saying the over and over same thing unable to provide any proof. 
I am so tired to be pushed around by credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, Portfolio Recovery Associates put it back on my credit report. They are trying to collect a debt from XXXX XXXX that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and Portfolio Recovery associates are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of Portfolio Recovery Associates C.E.O. As  a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth. 
Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from XXXX XXXX. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If XXXX XXXX approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, XXXX XXXX XXXX put it back on my credit report. They are trying to collect a debt from Capital One that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and XXXX XXXX XXXX are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of XXXX XXXX XXXX C.E.O. As a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth.

Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from Capital One. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If Capital One approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: DriveTime
State: NJ

Complaint narrative:
I went to Drivetime in XXXX, NJ and negotiated the purchase of a XXXX XXXX XXXX. With the documents and down payment of {$1100.00} provided I took delivery of the vehicle on about XX/XX/XXXX. They claimed to need to do a work verification but it should present no problems since it was just protocol. I was on limited work hours from my employment at XXXX XXXX but was still employed there. However there was a hostile work environment investigation ongoing at my employment which caused my supervisor to report to Drivetime that I had been terminated. This was not true. This action caused Drivetime to come and repossess the vehicle at XXXX two weeks later without any sort of notification or attempt at resolving this issue. Furthermore Drivetime has refused to return any of my {$1100.00} down payment claiming expenses on their part. I must say if they wanted the vehicle back because the falsehood told by my now former employer which i voluntarily resigned from after this incident, i would have returned the vehicle without Drivetime incurring any expenses for having to forcibly repossess the vehicle. When I have asked Drivetime to explain this action they have claimed I needed to be on my job for 6 months which i was at the XXXX. For the record this was not explained to me as a requirement and doesn't state it on the documents I signed for the car that i have seen. 
To make matters worst Drivetime has reported the car loan on my credit and has refused to cooperate in having it removed.

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 2018-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Graduated from XXXX XXXX XXXX Bankruptcy filed XXXX - Have paid on Student Loans during that time. 
Borrowed {$36000.00}. Have already paid back more than {$80000.00} and they are telling me I still owe more than {$100000.00}. 
Someone please tell me how this is not extortion? Since when could financial institutions charge more than 4 times what they lent out? 
My student loans are currently paid in full 2.76 times what I borrowed. 

Upon request I am more than willing to provide communication and records of amount paid and amount still owed. I just need to see a light at the end of the tunnel.

Company response to consumer: Closed with explanation