vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I order a replacement card but it didn't go through.

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 2020-10-26 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: NC

Complaint narrative:
This not my account. Please remove or provide method of verification and original instruments of indebtedness. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
Linebarger Goggan Blair & Sampson, LLP sent me a letter threatening to report any unpaid debts to WA Dept of Licensing who will suspended my license and/or deny future vehicle registration if I don't pay. They're attempting to collect " Delinquent Court Fines '' and since I've never been to court I dug in deeper. Turns out they're attempting to collect parking tickets on behalf of XXXX XXXX XXXX however, I don't have any unpaid parking tickets. There are no dates listed on the letter, no license plate info, nothing. No one has ever contacted me regarding parking tickets, not City of XXXX ( who you'd think would be the first to engage ), or any other collection agency. All of that being said I'm assuming this is Fraudulent activity and asking for your help resolving. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a equity loan with Bank Of America on XX/XX/2020 the loan was paid off with a check in the amount {$90000.00}. My balance was {$89000.00} after a payment of {$420.00} was paid on the XXXX of XXXX for XXXX payment. On the XXXX of XXXX {$470.00} was added to balance for early pay off. On the statement I received balance was {$89000.00}. No escrow. I tried several times, were to the bank three times was put off on when I would received the extra money or when I would get it. I was told on XX/XX/XXXX I would know how much and when. The difference is {$690.00} should receive but Saturday I got a check for {$120.00}. one month and four days after closing. I talked to the branch manager in XXXX XXXX 3 times, got same answer you will know something on the XXXX of XXXX. Nothing happen on the XXXX. I'm asking for {$690.00} plus interest. On the staement I received on XX/XX/XXXX there was a charge of {$430.00} stating mortgage payment so I paid twice in one month for a mortgage payment. I have all the documents to prove 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 explanation
Consumer complaint received 2020-10-26 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: NC

Complaint narrative:
I have never been late on this account, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-10-26 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: NC

Complaint narrative:
I was never late on this account, please provide physical verification for late payments. 

XXXX 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 2020-10-26 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: NC

Complaint narrative:
I was never late on this account, please provide physical verification for late payments. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NC

Complaint narrative:
This not my account. Please remove or provide method of verification and original instruments of indebtedness. 

XXXX XXXX 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 2020-10-26 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: WV

Complaint narrative:
I had 2 fraudulent transfers from my XXXX card for XXXX XXXX. They took place on XX/XX/XXXX and XX/XX/XXXX for {$500.00} each. They were listed as " XXXX transfers.I filed a dispute on XX/XX/XXXX, and learned on XX/XX/XXXX that the person I talked to did not file the dispute.After a 4 1/2 HOUR HOLD a woman answered and said the call had rolled back to customer serviceinstead of the dispute dept. She went ahead and did the dispute for me.It has been about 2 weeks and I still do not have my money back. They told me about 5 to 7 days.My bills are on hold becauseof this. I can not get ANYONE. I have been calling since last Thursday. On hold Thursday from XXXX XXXX till XXXX XXXX! Friday from XXXX till XXXX XXXX. and again from XXXX till XXXX.Today I was on hold for 3 HOURS, 27 MINUTES. A woman answered, then said sorry, WRONG DEPARTMENT and I have now been back on hold for 42 minutes!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MARINER FINANCE, LLC
State: LA

Complaint narrative:
Hurricane Laura I lost everything requested property claim to be informed that I did not have credit property insurance which I requested. This is hitting my credit monthly. I am unemployed and have no income at this time. I was not I formed that I did not have credit property insurance.

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 2020-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
I had a payment plan which was being upheld with XXXX XXXX who decided to turn this over to Americollect Inc-a collection agency. XXXX is notorious for doing so without notifying the customer or having a reason as they don't like debts to stay on their books. 

I called Americollect on XXXX and told them the story and asked for them to send back to XXXX and they refused..all business to them, but untrue and damaging to my credit. 

I am now paying Americollect as agreed. I was told that the account will go to the credit bureau even if I am paying and I asked how to avoid this unless I missed a payment. I was told they could not work with me on this. On XXXX, I contacted them again and asked for this to not go to the credit bureau and XXXX told me she was going to send a credit bureau form to request removal once this does go on ; at that point they would approve it and take it off. The form was supposed to be her within a week and I have not received it nor do it seem like I will. This agency is not trying to work in good faith at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: UT

Complaint narrative:
XXXX XXXX is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed 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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX  is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed 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 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2020 XXXX, XXXX and Experian. I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 30 days and I have not received any investigation results. XXXX {$6600.00} XXXX XXXX Auto loan {$9600.00} XXXX Credit Card {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$150.00} XXXX ( XXXX XXXX  XXXX ) {$110.00} XXXX ( XXXX XXXX XXXX ) {$30.00} XXXX ( XXXX XXXX XXXX ) {$38.00} XXXX XXXX {$15000.00}

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 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You do not have the right to have a pending investigation until XX/XX/2020. THE LAW IS CLEAR IT SAYS 30 DAYS TO INVESTIGATE. YOU DID NOT INVESTIGATE IN THE 30 DAYS. ANY INVESTIGATION AFTER XXXX IS ILLEGAL. 

CLOSE THIS MATTER 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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I can not acquire another bank account due to US Bank sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of XX/XX/XXXX that US Bank had put me in XXXX. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted US Bank and they said it shouldve never got sent to 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 2020-10-26 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: NC

Complaint narrative:
I have never been late on this account 2019, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX # XXXX This in information is inaccurate Fair Credit Act # 611

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 2020-10-26 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: SC

Complaint narrative:
I mailed in a copy my dispute letter to equifax on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account opened XXXX Previous deposit went through fine. 
Deposit of XXXX on XXXX all funds were held due to " back office hold '' for new account. Again- previous deposit went through with no holds. 
Contacted bank to release hold and they said no. No access to money until XX/XX/XXXX ( 10+days. ) Mobile deposit info says that if a hold will be placed- you will be given option to cancel deposit. This was not offered. 
This is absurd. Bank is holding my money that I need for no apparent reason since previous deposit went through without " new account '' hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NC

Complaint narrative:
I have never been late on this account 2019, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX # XXXX This in information is inaccurate Fair Credit Act # 611

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I certified mailed notarized letters to XXXX and XXXX on XX/XX/2020 and XX/XX/2020 disputing and requesting debt verification an validation demanding physical documents with my signature or any legally binding instruments that can prove my connecting to owing the debt placed by Rent Recovery Solutions, LLC. The collection account placed on my credit file was for XXXX XXXX in the amount of {$2400.00}. Rent Recovery Solutions, LLC. verified and validated the collections account with XXXX and XXXX both times without ever providing any of the requested documentation to verify or validate the collection account placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called Home Depot they said it was never processed completely. Home Depot reported me 3 months past due!!!! 

I've disputed with the credit bureaus and Home Depot and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to refinance my mortgage however, The mortgage company informed me that they were unable to pull my Experian credit report. Message : Consumer information did not match any records at Experian. Since then I have called multiple times to get the problem resolved. Although Experian automation system said that my credit file was locked, reps and supervisors say that their is no lock. Til this day, Companies are not able to pull my report and score. Experian has not been helpful in getting the problem fixed. Two other mortgage companies have attempted as well and they also are not able to pull Experian report. I contacted Experian on numerous occasions to inform them that their must be something wrong with their systems because I am getting the same results from other companies.

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 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
Nissan XXXX  are in breach of contract. I was told that i could pay the load the way i am paying it. I have made this type of payment from the start which, regardless of what was discussed at the dealership, nissan XXXX  agreed to this method by accepting the payments and never complaining until recently, here are the payments made as far back as Im able to go with my back. Nissan has removed the payments on their web page. Odd that i dont see one payment for XXXX in this list and you would think that in a 3 year span, had the amount i had been paying not been agreed upon, they might have had objections before now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XXXX of 2020 I reached out to Wells Fargo Home Mortgage ( WFHM ) to take advantage of the mortgage forbearance that was available through the CARES Act. I assumed that since I had an FHA loan that was no more than 30 days overdue as of XX/XX/XXXX, occupying the home, and eventually willing to go back on schedule on repayments ... that my mortgage would have been eligible for the FHA Standalone partial claim. 

In XXXX of 2020 I reached out to WFHM to state that I should be able to resume regular mortgage payments. They stated I was not eligible for the standalone partial claim and that I would have to pay back the missed payments in full, over 3-6 months, or go through a loan modification. Obviously not an ideal slate of options. 

The loss mitigation products made available by the government so that WFHM could move the missed payments to the end of the loan period/as a junior lien, should have allowed me to resume my payments with minimal disruption. That is obviously not the case. 

I filed a complaint with WFHM and they sent back a letter stating that because I was ineligible because I was over 30 days past due when I requested the actual forbearance. This makes no sense to me as this would mean WFHM 's criteria is not in line with government guidance, and is instead being used at their sole discretion, excluding what is probably a significant amount of FHA-backed borrowers that took a forbearance as a last resort in the first place. 

Now I'm having to extend my forbearance so I can make double payments on my mortgage in order to keep my credit from being devastated. This erases all benefit from having taken a forbearance and puts me back in financial distress in order to " make my account current ''.

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