vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America in late XX/XX/XXXX and asked for help with my credit card due to the covid-19 pandemic crisis. I specifically asked for a lower interest rate but was told that I could only postpone payments but Im writing this because that would only exacerbate the problem resulting in a higher balance in a few months making it even harder to pay this card. 
Ive had this credit card for a few years and was making large payments back in XXXX. But I had to relocate due to the XXXX XXXX fires and my XXXX and take a lesser paying job and pay a higher rent so I couldnt make high payments but continued making payments on time for the past 2 years. Unfortunately, the high interest rates diminished my payments and made it impossible for someone in my situation which is even worsened now by another natural disaster to pay off this card. 
Ive paid {$530.00} in interest only during XXXX ( XXXX XXXX statement attached ). Ive paid {$680.00} in interest only during XXXX ( XX/XX/XXXX statement attached ). Ive paid {$190.00} in interest only this year up to the time of my last statement of XX/XX/XXXX. These add up to {$1400.00}. 
My average balance has been a little more than {$2000.00} since the beginning of XXXX. Ive already paid more than half of what I owe in interest which is at 22.99 % now but was 23.99 % in XXXX and 24.49 % in XXXX. Therefore, I ask Bank of America to please help me by lowering the interest rate at least 10 points so that I can pay this balance off.

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 2020-05-04 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: CO

Complaint narrative:
I took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( Thirteen thousand ) Dollars. This loan has since ended up with XXXX. I contacted XXXX XXXX and was told that they submitted a much smaller number to XXXX nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( One Hundred Sixty thousand Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at XXXX have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( Forty-three thousand Dollars ). after beginning my dispute process. Experian explained that they use the E-Oscar electronic system to verify my information. I explained to XXXX that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in Wisconsin and had relocated to Illinois, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX Louisianna stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by Experian that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft and I recently had my purse stolen with all of my personal information. Jefferson Capitol System placed a debt collection against my credit report. I have no idea who they are and NEVER received any correspondence from them via mail. Because of my identity being stolen in the past and now possibly again with all of my personal information stolen ( XXXX police report made ) I monitor my credit very closely. I called XXXX they provided on website. When I enter my social security # ( hesitantly and it's confirmed Jefferson Capitol System ) they state they do not have a file on their system matching my social security number. Of course they won't because this is being reported fraudulently.This is not my debt. I want this to be investigated. I do not have any debt. All my creditors have been paid off. I disputed this with XXXX  and later got a response of " meets FCRA requirements ''. What does that mean? This is not my debt. I want the creditor to provide my wet signature in a contract between me and this Collection Agency.  So again, I'm simply asking for you to FOLLOW Fair Debt Collection practices. Show me the written verification of debt and show me my wet signature. 

I'm not sure if it's JEFFERSON CAPITAL SYSTEMS , LLC or just Jefferson Capitol System~ that's how it's being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America personnel checking account has had fraudulent purchases made over a 3-week time frame from XX/XX/2019 through XX/XX/2019. The fraud for purchases for XXXX XXXX ( mobile co ) and XXXX ( home improvements co  ). 

The fraud claim totaled {$11000.00}. Refunded {$7600.00} and pending {$3600.00}. Bank of America stating the remaining {$3600.00} will not be issued a refund and claim is resolved. I am protesting this determination and I am owed a refund of {$3600.00}. 

XXXX XXXX fraudulent charges were refunded the value of {$6100.00}. XXXX fraud charges are a total of {$5200.00}. Refunding only {$1500.00} for fraudulent XXXX charges from Mississippi state. NO refund provided for {$3600.00} fraudulent XXXX charges from Ohio state. I, XXXX XXXX live and work full time in the XXXX Florida area. 

I have been rejected 3 times on this claim, with no validation for the rejection. Bank of America has failed to secure my financial account. I have been the victim of fraud. 

Also, I have been the victim of identity fraud in XXXX County Florida. The XXXX Circuit Court of Florida XXXX  and XXXX   XXXX  two men for {$8800.00} in bank loan received in my name in 2019. That banking institution involved determined this was a case of fraud  as well. 

Additionally, I have been the victim of identify fraud, by attempts to receive credit loans in my name. A total of 9 letters of loan rejections were received between XX/XX/2019 through XX/XX/2019. 

Finally, XXXX  as one of the three largest consumer credit reporting agencies in American has determined my disputes as a victim of fraud. 

In Conclusion, since I reside and work in the state of Florida, any purchases from Ohio State would be considered far outside of my typical purchase location and historically not accurate. As the provable victim of fraud, this further substantiates that these Ohio State XXXX   purchases are also fraudulent.

See the documents attached.

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 2020-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KS

Complaint narrative:
Paid student loan payment XX/XX/2020. Requested a refund per the CARES Act. Fedloan Servicing saying it will take 60-90 days. This is unacceptable practice. See below correspondence. 

Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payment received XX/XX/2020 in the amount of {$840.00}. Please allow 60 to 90 days for the payment to be received. 

Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
This company keeps calling my number to collect an alleged debt. I have no knowledge of this debt and they have not provided any written notice of this debt. I have told them to cease calling my number but they have not done so. 

I received a phone call XX/XX/2020 from XXXX at XXXX XXXX They have also called from 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 2020-05-04 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I disputed Medical Data Systems and XXXX XXXX on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from XXXX XXXX even telling me they will delete the negative item from credit file.

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 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went to BB & t at XXXX XXXX XXXX XXXX Washington DC XXXX. I went to pick up a new temporary debit card Cause the permanent card was ordered but never sent to me. At the tellers window a bank employee by the name of XXXX refused to issue me a new temp card even after the bank issued me 10 without any complaint or issues about it. The temp cards expire so you are forced to renew them as well. I called customer service while there and it was discovered that the bank I went to listed above refused to reissue the card after cutting the old one in half making it impossible for me to access my account for no reason. Customer service said they blocked my account at the branch only and that it was not BB & t but only an employee at this branch that refused to remove the block for no reason. They refused to let me then withdraw money for no reason and had security pull me out of their branch when I asked them to work with customer service by phone. Im submitting a complaint to have this branch to unlock my account please have executives assist me.

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL

Complaint narrative:
I applied to refinance my home through Wyndham Capital Mortgage. The mortgage agent, XXXX XXXX, Senior Mortgage Consultant ( NMLS XXXX ). I was told that my credit scores are XXXX, XXXX, and XXXX ( XXXX, XXXX, and XXXX respectively ). Credit scores were pulled XX/XX/2020. My XXXX score was XXXX as of XX/XX/2020. When I pulled my scores, they are significantly higher ( XXXX, XXXX, and XXXX ). I requested the documentation behind their scores and I am awaiting them in the mail. The variance in these scores, places me below XXXX which means my rates are higher and there is more rigor in deciding my fate for a refinance of my home. I have worked with credit companies and mortgage companies and never have encountered a variance this high. I pressed XXXX for clarification on these scores and he verified that they were indeed XXXX scores and that my credit score is different form credit monitoring. I understand that and let him know that I pulled the score directly from XXXX today XX/XX/2020. I am concerned that other factors not on my credit report or monitoring may be taken into account and I don't know what those factors are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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 — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Paid for a XXXX  membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to XXXX. Information has not been updated by XXXX  timely, and XXXX  has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TN

Complaint narrative:
I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TN

Complaint narrative:
I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my Experian, XXXX, and XXXX  credit reports. 
Now suddenly Experian has me as my mother 's name and has my real name as an allis name. XXXX  has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX  said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now XXXX  is showing an L1 on my consumer credit report in a different name as well as Experian is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, XXXX. 
It is so amazing to me about what XXXX  is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to Experian, XXXX, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is to dispute a credit hit regarding a late charge on my account. This account balance was paid off completely early last year. As my wife does our accounting and we had not charged anything to our account we were not aware that there was a yearly fee that went against this account in XXXX. The statements that were sent via email were sent to a generally spam email that I have and not an email that I regularly monitor. There was no attempt to make me aware of this past due payment via standard mail or via phone call which Barclay has available on my account. I only became aware of this past due statement when I saw when trying to refinance my home that I had 1 past due payment which we are always on top of as a family. This has severely negatively effected my credit score and I would ask based on the reasons above that it be removed from my credit history.

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 2020-05-04 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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