vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 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: VA

Complaint narrative:
Despite multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
I received a suspicious phone call from XXXX XXXX XXXX XXXX on XX/XX/2018. They didn't even introduce themselves and didn't say who the debt was for. I feel very scared about this and I immediately started crying. I need this to stop immediately. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Greetings & Salutations, Have a issue with bank of America credit card. The account was sent to collections & I sent out a debt validation letter on XX/XX/2014 & received a response on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX. 

Your recent communication regarding the above debat was received. The account has been closed in our office, & we are no longer servicing this account. Due to being unable to validate the debt. 

Bank of America won't take the {$6200.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... 

I called Bank of America for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. 

As a result, the statue of limitations is 6 years in Washington state & have to come off my report. Having the same issue with XXXX card regarding the the same result mentioned above. 

Sincerely, UCC 1-308 Without Prejudice XXXX 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 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Call CapitalOne about letters I received about both of my cards being closed due to a payment that fraudulent. I notified CapitalOne of a strange payment that had been made for {$5000.00} on one of my  CapitalOne cards. I also contacted the bank the payment came from XXXX XXXX in Massachusetts ( not my bank ). Because of a fraudulent payment CapitalOne closed my accounts. The account that the payment supposedly came from was a closed account. I was a victim of a scan of some sort. 
When I CapitalOne today as to why I was being punished by having my cards closed, the agent " XXXX '' was of no help, laughed at me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Regarding the complaint I have submitted on XX/XX/2018 and the info is below. 
I have received call from Bank of America and They promised me again contact me on XX/XX/2018 but they didn't and they didn't fix the issue. 
please help me to fix the issue with them. 

This is the ifo of the ticket i submitted : XXXX XXXX XXXX XXXX Checking account Opening an account BANK OF AMERICA VISA XX/XX/2018 Open Company response is in progress as of XX/XX/2018

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 2018-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted several disputes for a bankruptcy that's reporting on my credit report i contacted the courts and submitted the letter that was provided to me by the courts the company keep saying the bankruptcy is verified i asked for documentation showing this and was not provided with any, two other credit bureaus deleted the bankruptcy with no problem once i sent them the letter i received from the courts saying that the court did not have this information on file. I have spoke to supervisors that claim it would be deleted in 15 days but this has not happened.

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 2018-10-21 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Around XX/XX/XXXX, I contacted Sellpoint Mortgage Servicing which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Due date for this month for my Chase Sapphire Preferred account was XX/XX/2018. I paid the balance IN FULL from a XXXX checking account online on XX/XX/XXXX XXXX XXXX EST. 
The payment completely cleared by XX/XX/XXXX. Logging into my Chase account showed that mathematically the payment had been applied and normal credit line open. 
On XX/XX/XXXX, a {$150.00} purchase at XXXX XXXX in my billing county was declined. I called the customer service number and was told on new accounts like mine that the account is put on hold. I was never told when the hold would be removed that I was never notified of until the decline. There are zero messages in my online account. I never received an e-mail notification of the hold/decline. Declined purchase messages apparently only show up in the phone menu with no real explanation. THE PAYMENT HAS CLEARED. CHASE HAS THE MONEY. 
On XX/XX/XXXX, i tried to order a {$39.00} cent PIZZA in my BILLING ZIP CODE and the charge was declined. My online account shows {$5000.00} worth of clear credit. I called the customer service number again and was talking to a rep who did not have the " authority '' to remove a hold I was never notified of or is justified. I was transferred to an alleged supervisor who said the hold was scheduled to come off the account the following day again because it's a " new '' account. This is FIVE days after CHASE HAD THE MONEY. So my online account information is a manufactured fiction? Totally unacceptable. 
The reason I opened this account was from a seminar by The XXXX XXXX who also had an affiliate link to the application. Many other organizations/bloggers recommend this card as one of the best travel credit cards in the industry. I have a friend who did the same and to date has had no issues. Do not appreciate the questionable legality of not being notified of the policies or obviously an accurate online accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: IL

Complaint narrative:
Around XX/XX/XXXX, I contacted XXXX XXXX XXXX which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.

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 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
My corporate credit card is with Citibank. I lost my card around the end of XX/XX/XXXX. I was sent a new card. Since then I haven't been able to get an online statement or look at my charges. I've talked to Customer Service at least ten times and have spent hours on the phone trying to resolve this and set up new user names and passwords, but none of them have worked.

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 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2018 received a direct deposit check from my employer. Within a few hours upon the deposit, the bank just auto deposit one for {$120.00} for my car loan and {$150.00} for my credit card. I called the bank to try to set up arrangements or try to solve the problem however the bank refuses to give my money back when they knowingly took my money from my account without my approval. There had been times that the bank has try collect payments which led to my account being overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have late payments that need to be removed per Capital One and it's still showing on my Capital One accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote Trans Union and XXXX XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # 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 2018-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I have contacted XXXX XXXX on multiple occasions to no avail about three accounts they have reported to my credit reports. I have asked for them to send me detailed paper work and proof of the account standings and they will not they are very rude when u try to talk to them. The XXXX XXXX XXXX XXXX has my student loans and I have had conversations with them on paying off my left over balances on my loans but fed loan will not answer any questions for me at all the info they are reporting is inaccurate on my credit report and they refuse to update their system. They have been rude and have blown me off at every turn I'm just trying to get info from them because from my records they are reporting in accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: NY

Complaint narrative:
I did contact Portfolio Recovery Associate to provide the court document stating that a Judgement was entered against my property or a contract that shows that i XXXX XXXX XXXX Entitlement Holder/Registered Owner of the XXXX XXXX XXXX have a signed contract or a debt obligation in its favor, they failed to do so. I did file a Claim in the Virginia Commercial registry after they defaulted to remove the Collection item from the credit bureaus. I did address the CEO of PORTFOLIO RECOVERY ASSOCIATES to produce proofs of claims and, he failed to do so, as a result a UCC lien was filed against PORTFOLIO RECOVERY ASSOCIATES and its CEO XXXX XXXX XXXX as it was the terms and conditions if proofs of claim could not be produced. I am the uncontested Registered Owner of XXXX XXXX XXXX with my Birth Certificate Authenticated at all Three Levels of Government and Registered with with the United States Department of Commerce with a {>= $1,000,000} CLAIM against anyone using it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i posted and transferred money into the account for the checks to be posted. it appeared i had sufficient funds but the next day the checks were posted and i had two overdraft fees and a reruturned item fee. it appears the checks clarared and it is very annoying when bank of america does 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 monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
I am lodging a formal complaint against gc services lp. this company has reported derogatory information on my 3 credit reports in the amount of {$420.00} for a XXXX debt i never owned. I have never had an account with XXXX ever in my life. on XX/XX/2018. I sent a request for validation because I was not familiar with this debt on my credit reports. I have also disputed this account with the 3 credit reporting agencies. I have never received anything in the mail from gc services lp validating this debt, but this debt collector continues to report negative information on my credit reports. I am in the process of buying my first home and this account is holding me back. I know its against the law to continue reporting information on a consumer credit report without validating debt to consumer. I will be filing XXXX XXXX XXXX, and attorney general complaints if this account isn't deleted from my credit reports immediately. Ive worked so hard to finally buy my family a houe of our own and this debt collection company has stopped this from happening. I appreciate your time and your help. thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: IL

Complaint narrative:
To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote XXXX XXXX and Equifax XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have late payments that need to be removed per XXXX XXXX and it's still showing on my XXXX XXXX accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: IL

Complaint narrative:
I signed on XX/XX/XXXX with him to buy a house that i had fell in love with. He said usda loan, 0 % down and very little out of pocket. For the next 3 weeks i couldn't get in contact with him or his lending partners. When i finally got ahold of him they were rushing to get the paperwork and everything so they could get started. I paid XXXX for inspection and XXXX for appraisal. I had XXXX ready to insure it. XXXX called my insurance agency without asking me and had my deductible raised from {$1000.00} to {$7500.00}, he also told me he was buying my rate down for an extra $ XXXX- {$400.00} which ended up being XXXX. He had me locked in at almost 5 % interest on the loan. So when it was all said and done i needed {$4800.00} at closing and my sellers {$2500.00}. We went through 5 different closing dates on a 30 day closing. The whole process was lies and seemed to be a scam of some sorts. Now I'm out the {$800.00} i put up and they managed to run my credit 3 times and drop my score significantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2011, I lost my job. I worked with Bank of America to place my loan in forbearance, but they would not allow it. After 12 months, and {$27000.00} later, they gave me a partial claim and destroyed my credit. They continued to tell me not to make the payment as it would force FHA to allow the partial claim. As a result, I have horrible credit, I have been denied loans and credit, and what I have been offered are astronomical rates and sub-prime lending. This is not fair!

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