vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial has continued to attempt collection activity including credit file reporting on a time barred debt. The original debt is in the state of North Carolina and I am a North Carolina resident. The statuette of limitation in North Carolina is 3 years. 

I was never provided with the legally required validation notice. The alleged debt is from 2015. The account should never have been reported to my credit without providing me a validation notice and should have been removed and all collection activity stopped once it hit the time barred limit. The account is currently being reported against my credit file report is violation of the law and Bull City Financial 's responsibility as a data furnisher. I believe that these actions make them liable for violations of the FDCPA and the FCRA. 

I called Bull City Financial the first week of XXXX, and spoke to a collector named XXXX. I advised that his company was illegally still pursuing this debt past the statuette of limitation. I asked him was he aware of the concept of time barred debt. He told me he was not and attempted to collect against the debt that I advised was illegal. I asked to speak to a supervisor or compliance resource and XXXX disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the erroneous information about the unauthorized inquiries has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/2021, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got a car loan through XXXX XXXX in XXXX of XXXX. The car I had a loan for the transmission went bad within five months. I did a voluntary repossession on the vehicle in XX/XX/XXXX. I owed about {$3300.00} left on the loan. It shows on my credit report it was charged off in XX/XX/XXXX. However, XXXX XXXX has reported that I have 46 late payments and have charged me interest on the loan every monthly of {$79.00}. It states on my credit report that I now owe {$6200.00}. I have sent numerous of dispute letters every 6 months for last 3 years stating XXXX XXXX is reporting inaccurate information. The company then reports back to the credit bureaus that what they are reporting is true and correct. I then sent a demand letter to XXXX XXXX in XX/XX/XXXX, stating to correct the information they are reporting and please give me the correct amount I owe after the vehicle was fixed and then resold. The company has not yet responded. This is affecting me with trying to apply for a loan for a home, getting denied for a credit card through my credit union, etc. I need direction on what else can I do. Please help 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 2021-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I got a car loan through XXXX XXXX in XXXX of XXXX. The car I had a loan for the transmission went bad within five months. I did a voluntary repossession on the vehicle in XX/XX/XXXX. I owed about {$3300.00} left on the loan. It shows on my credit report it was charged off in XX/XX/XXXX. However, XXXX XXXX has reported that I have 46 late payments and have charged me interest on the loan every monthly of {$79.00}. It states on my credit report that I now owe {$6200.00}. I have sent numerous of dispute letters every 6 months for last 3 years stating XXXX XXXX is reporting inaccurate information. The company then reports back to the credit bureaus that what they are reporting is true and correct. I then sent a demand letter to XXXX XXXX in XX/XX/XXXX, stating to correct the information they are reporting and please give me the correct amount I owe after the vehicle was fixed and then resold. The company has not yet responded. This is affecting me with trying to apply for a loan for a home, getting denied for a credit card through my credit union, etc. I need direction on what else can I do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
MY WELLS FARGO AUTO LOAN ACCT XXXX .... WAS PAID OFF IN XXXX BUT IT'S REPORTING AS A CHARGED OFF 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 non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The company said that if I paid {$2700.00} that it would close the debt of {$18000.00} as paid in full and report to the credit bureaus that it would be paid in full ( {$0.00} balance ). 

They lied. When I checked my credit report, they subtracted the {$2700.00} as payment, however they did not XXXX XXXX the balance and they still claim this balance as past due. 

They also said they would send me a letter to confirm this. I gave them my new address several times. When I last talked with them, they still had the incorrect address, then the representative passed me onto to someone who hung up on me. 

I paid this debt in good faith based on Chase 's offer and Chase bank lied to get my money and did not live up to their promise. 

I am homeless in need housing and this balance still shows as bad debt/collection with a past due balance instead of a {$0.00} balance .Now I am screwed out of my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: U.S. BANCORP
State: IN

Complaint narrative:
I just got a letter stating that First Merchant Bank Cardmember Service has closed out my account without my permission or without notifying me first by phone. When I called them as soon as I got the letter I found out they called the wrong phone number. 

I have attached the letter I have received.

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 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have received a notification from Southwest recovery that there is a debt collection company letting me know I owe a debt of {$1000.00} on my credit report the date of XX/XX/XXXX letting me know that I owe XXXX XXXX XXXX in XXXX, from looking up online, they are a credit card processing company that has nothing to do with me personally. I did not work or own any company that made me liable for this fraudulent charge.

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 2021-10-29 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : CB XXXX : $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XXXX, I discovered about a dozen fraudulent charges on my XXXX that's linked to my Paypal account. I worked with XXXX to remove the charges, many of which were billed to " Paypal XXXX AL. '' In XXXX, I got a notice from Paypal that they'd suspended my account until I reimbursed them {$150.00}. When I spoke with them, they said someone had used my Paypal account as a " guest '' to make the purchases and that XXXX had refunded XXXX {$150.00} too much for one of the fraudulent charges. I verified with XXXX that they'd been refunded the exact amount of the fraudulent charges - no more and no less. But Paypal insisted on me sending them a check for {$150.00} which I did because it was the only way to close out my account with them ( and I wanted to avoid this negatively affecting my credit score ). But I don't feel it was right for them to make me pay because they have bad security on their site that allows criminals to make fraudulent purchases using my account. I was the victim yet I had to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have spoken to Portfolio Recovery Associates repeatedly about my financial situation and inability to pay off this debt. They have sent me a hardship form only after many, many requests and now they repeatedly act as if they never received the forms I returned using their envelopes and the correct address. They refuse to provide a fax number for the form and they also refuse to acknowledge being able to email the form to them. I want the phone calls to cease and I want them to accept this hardship form through email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan with New Rez was paid in full on XX/XX/21 when I sold my home. 

There was an impound escrow account with a balance of {$2800.00} that was due back to me as a refund. 

I have called New Rez numerous times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and the service agents couldnt explain the delay until the last call on XX/XX/21. That agent, XXXX took my banking routing information and said the refund would be deposited in a day or two. 

Its now 3 days and almost 2 months since the mortgage was paid in full. I read that they have 20 days to issue that refund and we are well beyond that time frame. 

Account # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I invested money in a cryptocurrency account and did a few investments and my investments have increased and now I am unable to get into my account.I have since found out that this company is being sued for these practices. The company is Coinbase and I have about XXXX invested at this time but with my investments doing so well I would say that number has more than tripled. I have tried numerous times to contact this company but I am unable to get any help.I have been locked out of account for almost 2 weeks and I am losing money daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from The XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with IQ DATA debt collector. ID DATA demanded money and would not hear me out that The XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. IQ DATA then reported to the credit bureau and I have been trying to resolve and dispute this for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
HRRG calls everyday, sometimes multiple times a day. On one occasion called, asked my name and hung up. They already sent correspondence through the mail. I'm not sure why they think I need to be harrassed.

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 2021-10-29 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: Nelnet, Inc.
State: PA

Complaint narrative:
Hello. A representative XXXX from Firstmark called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from XXXX. Since then, XXXX sold the loan to Firstmark. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at Firstmark to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II Firstmark Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : XXXX Firstmarkservices.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021, Bank of America refused to honor a valid negotiable instrument drawn on it in violation of UCC Sec 3-104. Initially, the bank refused to cash the check. I then requested that the bank issue a Teller 's check in replacement of the check I was given, in accordance with Associated Carriages , Inc. v. International Bank of Commerce. The bank still refused to comply. I told Mr. XXXX XXXX XXXX, the Financial Center Manager, that the Bank 's refusal was illegal according to the UCC. Mr. XXXX told me that I would have to speak with a bank attorney, to which I agreed. However, then Mr. XXXX insisted that I leave the bank, without permitting me to speak with the bank 's attorney. The only legal exception to UCC Sec 3-104 is if the bank has doubts over the identity of the payee. As I requested a Teller 's Check in the same Payee name, such a defense is not valid here.

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 2021-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have previously filed a complaint with you regarding the restarting of my payments after a mortgage of one year on four mortgages. The complaint number is XXXX. 
I have been in contact with Truiest many times since writing the original complaint and it seems two of the mortgages were in need of a soft appraisal to complete the documentation. I was sent a letter to the effect stating that the appraisals would be ordered at my expense, but was not consulted as to if I agreed to this fee. I called to ask how much I was to be charged and the representative was not able to tell me how much nor how I was expected to pay. When I started this forbearance process, I was told there were to be no additional hidden fees nor penalties. I find this fee to be a hidden penalty and predictionary. I was told that it is a standard procedure and required on all mortgages coming out of forbearance, but she had no explanation when I said it was only being required on two. 
I do not see how they can expect me to pay for something that I have no idea the fee nor did I approve.

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Charged {$470.00} for a hotel I never stayed in 4 months ago, tried disputing transaction they told me I cant and I have to pay it.

Company response to consumer: Closed with explanation