vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
1 ) Student loan is not mine, per se. it's a loan i co-signed for.

2 ) She fell behind and called to have the debt deferred. It was deferred.

3 ) They emailed me, and told me she was behind. She told me it was deferred so there should be no issue.

4 ) They would not give me any information when I asked for details on the loan. Said they could not through email ; I insisted that they do it through email a ) for proof b ) they already gave me the account number, why not the amount?

5 ) They were harassing. Called 3 times within 5 minutes.

6 ) Once I threatened going to a lawyer and filing a claim, miraculously they were able to send me secured email with the information.

7 ) I paid on the loan that I co-signed as soon as i had the information - they could've received their money a lot sooner if they just gave me the information. NOT MY FAULT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: NY

Complaint narrative:
I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, TRansUnion and XXXX refuse to investigate this abusive process claiming they must remain for two years.

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 2019-10-02 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: NY

Complaint narrative:
I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, XXXX and Equifax refuse to investigate this abusive process claiming they must remain for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Elite Recovery, LLC
State: WA

Complaint narrative:
Recieved a call from a Miss XXXX  on XX/XX/2019. She said she was from American Elite and Associates. I've not heard of this organization and asked to not call me again since you don't leave a message. I immediately received another call only with a different caller ID. Miss XXXX  left me a message, but my voicemail does not have my name or voice on the message greeting. This is a violation of FDCPA rules since she said it was regarding a legal matter and to have my legal representation return her call. She did not know the recipient of that phone number was me or could only be heard by me. I called her back and asked for her company name and address. She didn't give me anything but said she could provide a PO box . She then asked who I was, and I responded with again asking for the company name and address. She then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I contacted the following Bureaus XXXX  and Experian by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.

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 2019-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: NY

Complaint narrative:
An appraisal was conducted and a copy of the original appraisal report was not properly turned over to us. We received a copy of the appraisal with black and white photos, when the appraiser submitted the report with color photos. Upon requesting the original copy ( with color photos ), upper management advised that color copies are for internal use only and would not provide any other reason for not providing the original copy with color photos, nor would elaborate on why they could not provide a copy with color photos. It was pointed out that an appraisal with color copies was provided in XX/XX/XXXX, so why couldn't a report with color photos be provided in XX/XX/XXXX ( these are two seperate appraisals ). Upper management refused to answer the question. If the law specifies that a copy must be provided to the home owner, shouldn't it be an exact copy of what the lender has, and in this case that is a copy with color photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I paid off a judgment years ago, Capitol One never released it with XXXX XXXX County, Iowa and I am now unable to close on a house that I am trying to purchase. I spoke to Capitol One on XX/XX/2019 and Capitol One keeps telling me it is in " legal '' and they don't have a telephone number for legal. 

I really need to close on my house and the bank won't lend the money because of this old judgment that I paid off long ago. 

Someone told me it appears that Capitol One is possibly doing this as part of its strategy to fight a bankruptcy ruling where it was sanctioned : https : XXXX I hope this is not true, I just want to close on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XXXX of XX/XX/2019 I have opened checking account in Bank of America ( BOA ) using promotion offer for those who live in Idaho ( I live there ) and few more states ( full details in offer.pdf ). Requirements to Receive the Online Only {$350.00} Checking Account Bonus and ATM Fee Waiver : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days of account opening. I had successfully opened the account using code XXXX ( please see the screenshots evidence1.png and evidence2.png as a confirmation - I removed personal information but have original ) On XXXX I have made a call to the support of BOA and it was confirmed that offer is attached to my account. From XX/XX/2019 till XX/XX/2019 I have accumulated {$4500.00} in direct deposits thus qualifying for the sign up bonus. However, even before qualification I received a letter ( dated by XX/XX/2019, ref # XXXX ) from BOA stating that I have been qualified just for {$100.00} without any explanation why my previous offer was changed. I made a call to the support and I was explained that offer XXXX never existed, which is absolutely not true as evidence2.png shows. So BOA gave me different offer of {$100.00} and deposited {$100.00} later to my account. I insisted that the offer XXXX did exist as I had screenshots and saved offer page. Then I was told that I need to wait until all direct deposits will accumulate above {$4000.00}. After getting {$4000.00} in direct deposits I called again and support told me that my case was escalated with ref # XXXX. I was told to call after 30 days, what I did on XXXX, XXXX. During this call I was told that by this ref # there is no escalation of my case. I submitted new escalation to receive remaining {$250.00} with ref # XXXX. 
I am complaining here about unfair " bait and switch '' practice by Bank of America and wasting clients time. I hope for quick resolution of my case and prompt deposit of {$250.00} from Bank of America.

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 2019-10-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: PA

Complaint narrative:
I attended a number of colleges and apparently XXXX from University of XXXX which I still do not believe. I owe XXXX in student loans. I have both private and federal loans. I have asked Navient a number of times to forgive all my loans and was told it's in s program which I am only paying interest on my private loans. I am in low income housing, had to apply for medical assistance, food stamps, and not in my career. I question the value of an education, these colleges, and why the Department of Education is handing out all these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: WA

Complaint narrative:
Capital one told me I was being recorded for security purposes on the phone call, so I felt they were being honest with me. I called to let them know I can not pay them more than XXXX XXXX dollars a month on my bill and I was told by the young lady on the phone they have a great program that will allow me to pay off my card without the interest still accumulating more. I said ok sing me up. She began to tell about it and how they will freeze the account but I can not miss a payment. I said ok let 's do it. At no time during this phone call was I ever told they would take anything from me for accepting this program. A month later I go to use the mile points in which I have earned over the years of using the card for a flight for my wife and it would not work. I called and they said, we took those points when you signed up for this program. There is no way on GODS green Earth would I EVER forfeit XXXX XXXX points just to freeze any type of interest for a credit card. If I was given this information during the sign up I would have told them NO!! Then to add salt to my wound they told me they sent me a letter saying they took the miles points from me. That's a lie and I will take a polygraph to prove it. They should not be allowed to do this to anyone ever. They did not give me all the perennate information needed to make a sound decision. They should not be allowed to take points already earned from the past bills being paid off and then take them without permission and without cause for their mistake of not making a customer fully aware of their intent, policy and or rules for signing up for any type of program through their company. Plus they should be required to obtain a signature on every agreement that will make a change in one 's contract or any new deal being made for a new contract on a bill or credit card bill change and this is a life-changing decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
- I opened a checking account earlier this month with USAA and my account immediately put of freeze and I can not activate or even get online and usaa has said that it was due to requiring a picture of my drivers license and then I would have complete access I tried for over a week sending the pictures and usaa has a different excuse every time from the system takes 2 days to their fax machine didnt peint it in color all of which is not my fault and then I recieved a letter saying that if I dont send in my ID by XX/XX/XXXX then they will close my account and it will show negatively on my report and they will also block my online access as a result ( they already did ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
I have received numbers calls on my cell phone asking to speak with XXXX XXXX. I advised the representative they had the wrong number and that I have had my cell number for 10 years. 

After that I mysteriously, received a collection notice at my home address in this persons name. Originally I was told the service address was totally different from mine- it had to be because I have never had an account with XXXX. 

I called them again to advise they had the wrong person. After that the calls continued and the collection notices now appear in my name. They are threatening to damage my credit if I don't pay the balance due. I am scared and afraid .... I have stellar credit and I don't want to be scammed. I have contacted the Attorney General and the FTC. 


Reference Number XXXX Creditor Name XXXX XXXX Creditor Account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In a day where phishing or scams via email are common. I am trying to find out how to validate email notices related to my new XXXX  XXXX ( Issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ). Via XXXX and Goldman Sachs Bank method of communication via XXXX chat service. I attempted to learn as their support page is lacking any guidance. Currently I have received a few emails but they were flagged as JUNK by XXXX. I want to make sure I do my part to protect myself. As well I want to insure that email notices that could be urgent are not missed. The subject and FROM are not easily verifiable as true XXXX or Goldman Sachs Bank. 

Subject : Your XXXX Card statement is ready From : " XXXX Card Support ''  <XXXX> XXXX>

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: I.C. System, Inc.
State: IL

Complaint narrative:
Several collections were added to my credit report that had been removed previously.

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 2019-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I submitted complaint XXXX in XXXX because Mr. Cooper was not processing my payments correctly. In response to my complaint they suspended my due date until XXXX XX/XX/2019 and promised that future payments would be processed correctly. When I attempted to process a payment on XXXX XX/XX/2019. The payment system perpetuated the same error I made the previous complaint about. Mr. Cooper made the following promise in their response : " Please note that because the account was current when we received the payments detailed above, the funds were applied to reduce the principal balance due on the loan. We understand any inconvenience that may create. We have submitted a request on XX/XX/2019, for a Message Code XXXX to be added to the account. This will prompt for a review to be completed of the payment details to ensure proper application. '' This was untrue and they did not fulfill. My payment should as regular payment when I submitted and was switched again to principle payment during processing. This causes two harms : failure to pay down accrued interest and failure to process escrow payments. At this point I have no faith the payment system is displaying correct information about the loan and I have no reliable way to reconcile to correct amount of interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
Today XX/XX/XXXX a female named XXXX called my employer. She stated to my employer she was XXXX from heights finance and asked questions about me trying to collect a debt. On XX/XX/19 I revoked my voluntary wage assignment in writing. On XX/XX/19 I informed them I was filing bankruptcy and they could contact my attorney. I gave them all my attorney information at that time. My employer called me immediately after and was wondering what this call was about. I had to give my employer more personal information about my bankruptcy them I had planned too.

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 2019-10-02 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: ERC
State: IL

Complaint narrative:
Several collections were added to my credit report that had been removed previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: CL Holdings LLC
State: IL

Complaint narrative:
Several collections were added to my credit report that had been removed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also answered phone attempts by Ally Financial during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.

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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Collection agency was notified of bankruptcy and still continue to report account on credit report. under number XXXX. Notified bankruptcy under XXXX which is correct numbers

Company response to consumer: Closed with explanation