vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened an account on XX/XX/2018 and the bank representative XXXX XXXX ( XXXX XXXX XXXX ) was easy to work with. I explained my situation as a XXXX  person, who was at the age of XXXX diagnosed with XXXX, and I was looking for another banking option. I chose Bank of America and opened a checking account on XX/XX/2018 and it was the wrong choice. Today, only one day later after having to take time out of my day yesterday as a XXXX person - I was told that my account was closed, and they refuse to say why. Once I entered the branch today ( XX/XX/2018 ) I was NOT greeted in a friendly way -- I told the bank representative XXXX XXXX my situation - he called a number that told him the same thing I was told : " They can't say why they closed my account '' but to call back on my Monday, and they would " mail me my check '' back. I demanded the money but he refused, so I left the building. The fact that the bank can not in good faith indicate why they denied me, and a refusal to do so violates federal law ( I have an NMLS # ), and I am familiar with consumer reporting. I have a clean XXXX report, and they refuse to indicate anything as to " WHY " they closed my account. Bank of America and this branches employees clearly have no issue violating my rights to a consumer report. Keep in mind my account was open, approved, and then the very next day denied and closed for NO reason and they can not say why nor will they give me my money back when requested. I know I being redundant but this is illegal. Please investigate! Demand answers and if needed ( which I believe it is ) send CFPB employees to interview these egregious consumer violations! I will be happy to speak with any of the authorities to provide a detailed account of what occurred. Thank You!

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 2018-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
on XX/XX/2018 my car was reposes by the loan holder, Santander usa on XX/XX/2018 i made a payment via XXXX XXXX  quick pay in the amount of {$4200.00} to paid off the loan plus all the towing and storing charges Since then Santander usa have refused to release the car, I have in my possession the free and clear tittle and registration of the car under my name I have made several attends to get my car back and the customer service always tell me that they are working on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AZ

Complaint narrative:
Over the last 21 months, I have on time payments to Global Clients Solutions. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX when I was charged a {$59.00} annual fee by Captial One they removed the fee and told me to call in every year to have the fee removed. This card is linked to a XXXX account and if I close it I will lose the 7 years of credit history. They removed the fee last year and told me to call in every year to have the fee removed. I called to have the fee removed and the customer representatives refused to do so. Captial One offers a {$0.00} annual fee account which I asked my account be switched to and was told they could not do so when I call last year. So following the advice of the reps last year here I am stuck with a {$59.00} fee that I should not have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29 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: GA

Complaint narrative:
Experian continues to blatantly report XXXX/XXXX Incorrectly, Despite Several Disputes with submitted proof of documentation that the account is PAID IN FULL. I PAID XXXX XXXX/XXXX   in 2015 in the XXXX Court of XXXX County. Just recently Experian completed an Dispute and REFUSE to change/correct the account to a PAID IN FULL STATUS, but to add insult to Injury, the Investigation stated that new information was added : THE NEW INFORMATION REPORTED A HIGH BALANCE OF OVER {$1800.00} as a Credit Limit, and my Original Credit Limit was only {$700.00}! This is Ludicrous, I now feel penalized for Monitoring my Credit Report as I should. This is in Violation of my Consumer Rights under FCRA. Reporting incorrect information on someones Credit Report is Illegal.

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 2018-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Over the last 21 months, I have on time payments to XXXX XXXX XXXX. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions

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 2018-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a Balance of {$530.00} on my Bank of America credit card but I am not allowed to make a payment online at www.bankofamerica.com, the Bank of America mobile app or over the phone because I dont have a personal or business Bank of America checking account. 

Im being told by Bank of America customer service representatives that they will need a checking account and routing number from me in order to process a payment because they dont except debit cards, which is a plastic payment card that can be used instead of cash when paying bills or making purchases. It is similar to a credit card, but unlike a credit card, the money comes directly from the user 's bank account when performing a transaction. 

If I am using a Bank issue debit card, whether it be from Bank of America, XXXX bank or XXXX Bank, and the money will come directly out of my bank account, why does Bank of America or any other credit card provider need my checking account and routing number? This makes absolutely no sense at all. I dont want to provide Bank of America or any other bank with my personal information from another bank and I shouldnt be required to do so. This is a stupid policy that the Consumer Financial Protection Bureau needs to force banks to change.

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 2018-09-29 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: TX

Complaint narrative:
This account is not mines and I have submitted many disputes on this account. i will not pay it or work with creditor. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}

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
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America put fraud warning on me through early Warning Services. My bank account from a different was closed due to this. Its causing finical hardship. Ive tried to fix this with Bank of America it they refuse to do anything about it

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 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX I established wire transfer for the amount of {$5000.00} to be sent to XXXX for the purpose of making a down payment for apartment. The party in XXXX did not receive the transfer yet. TD bank is not able to give an update of what is going on. It is frustrating since I can not find any one to help. I am not able to find anyone in TD bank to solve my issue. Please help urgently. 
Thank you Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TX

Complaint narrative:
The account below has a XXXX balance. I received a Form XXXX, Cancellation of Debt on this account more than 6 months ago. 

XXXX XXXX XXXX {$31000.00} Please have The bank provide a letter stating that ths account is not a XXXX or if it is one.

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 2018-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Greentree has falsified documentation as to my home affordable loan. I have record that show how many times I applied starting in XXXX. XXXX XXXX was my reprehensive that harassed ma and lied about paper work. I have a folder of everything. I have a copy of a letter I wrote to hem on XX/XX/XXXX about all these issues..Greentree states that I denied help for a modification. It took many frustrated days until I finally got a mediator XXXX XXXX XX/XX/XXXX. Because it didn't matter all the faxing, talking was getting me nowhere. I have documentation to show all. When XXXX XXXX summited everything I sent to them, they had not choice but finally get the program I needed and had applied for. 
There facts are lies. And Ditech is doing the same dishonest things. Telling me after the hurricane that they were here to help. I took advantage of that and in XXXX the were threating me foreclose for {$3500.00} and added {$630.00} for interest ... I started to pay and extra {$500.00} a month but they came after me ... I sent them 3 Hurricane checks. In XXXX and the first of XXXX. Its now XXXX And they have held my money and lost one of the checks. The told me I must have sent it to another address. NOT. I called my insurance company and the told me the checks were deposited to the bank on XXXX XXXX 
Greentree and Diteck are sister companies and Diteck took over Greentree. Told to me by one of the employees a week ago. This is not a company that can be trusted. 
I have lived in this home for 40 years and I plan to keep it ....

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: FL

Complaint narrative:
I have a item on my credit file with XXXX, TransUnion, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of 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 2018-09-29 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: KS

Complaint narrative:
In 2015 I entered into an agreement with XXXX XXXX XXXX. 

They took over payments for my accounts, one being my XXXX card, by XXXX - XXXX XXXX XXXX XXXX. 

Upon XXXX taking over payments, the account was current, never in collections or anything of that sort. 

XXXX did not provide any concessions such as reduced APR, reduced payments, etc. Simply XXXX took over my payment, on my behalf. 

The account was paid in full and on time. 

Once XXXX paid off the account, 6 months later, XXXX put a narrative on my equifax credit report titled " Paid by Financial Management Program '' " Paid Collections '' The " Paid Collections '' should not be there as I was never notified, nor was XXXX  that the account was or would be placed into a " collections '' status. Not to mention, I still received regular statements from XXXX reflecting a current account with payments. 

The portion that states " Paid by financial program '' is accurate, however, the latter is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-09-29 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: TN

Complaint narrative:
Sir/Ma'am I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I am a XXXX XXXX service member in the XXXX since XX/XX/XXXX. My consolidated student loan was initially handled by XXXX. I was switched over to XXXX XXXX in XXXX. 

Since being switched over to XXXX  XXXX I have submitted proof of XXXX XXXX service multiple times and have submitted verification of my employment status to receive the most up to date qualifying number of payments towards my student loans. I noticed a discrepancy in the number of payments credited by XXXX  XXXX XXXX in XXXX towards the Public Service Loan Forgiveness program. All the payments I made to XXXX between XXXX and XXXX were never recorded as qualifying payments ( please find attached ). I have brought this to the attention of XXXX  XXXX   and requested a review of my payment history in XX/XX/XXXX. 

Since submitting the review request in XX/XX/XXXX I have tried to follow-up multiple times but have not received any feedback when the payments will be incorporated and credited to my account. I was initially told by the loan officer that the review takes 90 business days. However, after my last conversation in XXXX that time line has been disregarded and no situational awareness appears to be present as to the status of the review. 

XXXX XXXX has had a history of not calculating or making errors in managing the payments made towards the public service loan forgiveness program. Therefore, I am trying to be proactive and have the service provider fix any discrepancies as close to the source of error as possible. Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I used XXXX to give a deposit for services that were never rendered. Reach out to bank and they stated because it was money transfer and not my debit card, its not protected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
I set up my student loan payments months ago with Navient via monthly auto pay through my checking account. The first payment of XXXX was to be withdrawn from my account on XX/XX/28. I received a notice shortly after stating that my payment was rejected due to " no account ''. I called the company to find out why and they stated that they had submitted my payments with my incorrect last name, my maiden name. They also sent me a notice stating the same in writing. We resubmitted the payments and now I just received another notice that the payments rejected account due to " no account ''. I tried to verify my checking account information with the company since I am unable to see it on their website, it is a " masked '' account. The Navient rep on the phone also said that could not see the account information either and that if something is wrong with the account there is a form that I need to fill out. I find this very inconvenient and she never emailed me the form as she said she would. The company keeps sending me past due messages now and this appears to be an error on their end. I am requesting that the company fix my payments immediately and that any interest/late fees are waived due to this error. I would also like someone to contact me immediately to verify my account number since I can not get this resolved or verified otherwise.

Company response to consumer: Closed with explanation