vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: MO

Complaint narrative:
1 ) On XX/XX/XXXX XXXX XXXX ran my credit causing an inquiry on my consumer credit file with Experian. This was a violation of the rules concerning when it is legal to pull a credit report, as XXXX XXXX  sold the account to a collection agency on XX/XX/XXXX. As you can see they pulled it more than a year after they sold it to someone else. In addition I am attaching a letter I recieved from them as a result of filing a dispute. The letter indicates that XXXX XXXX   no longer has anything to do with the account. 

XXXX ) Account Resolution Service collects deficiency balances for XXXX XXXX XXXX, who finances for XXXX and is owned by XXXX. I voluntarily surrendered a car to XXXX and they subsequently sold the vehicle. They violated Florida law when they sold the vehicle without notifying me of the date, time and place of the intended sale at least 10 days prior to the sale. I am attaching the Florida Statute which is underlined and highlighted in the section that requires XXXX to notify me. 

Both have been disputed with Experian, and both remain on my credit file. By accepting the file from XXXX XXXX XXXX Experian has compounded the damage done to my credit, with an illegal action that caused the delinquency balance

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 2020-07-07 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This account was opened fraudulently on XX/XX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I placed several stop payments at Wells Fargo Bank because I no longer was working and was no longer receiving funds. The banker in charge f my account waived all the stop payment fees and stated that he would not pay the XXXX XXXX item that was pending. Unfortunately it did get paid and my account has been overdrawn since then. I filed a complaint before however they are not taking into consideration that the banker in charge of my account stated that he would NOT pay the NSF item as it would overdraw my account. I have called wells Fargo Bank and complained again as I have not received any correspondence from them on this complaint. The new complaint number is 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 2020-07-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN IS REPORTING A COLLECTIONS ACCT FOR THE 3RD TIME ALREADY. THEY ALLEGE THIS ACCT WAS VERIFIED AS ACCURATE. I SENT A LETTER XX/XX/2020 REQUESTING PROOF OF VERIFICATION METHOD WITHIN 15 DAYS PROVIDING PROOF OF WHO AND WHAT FORMS WERE UTILIZED TO VERIFY THE ACCT AND THEY HAVE EXCEEDED THE ALLOTTED TIMEFRAME AND STILL HAVE NOT FURNISHED PROOF OF HOW THIS ACCT WAS VERIFIED. XXXX XXXX XXXX  HAS ALREADY BEEN REMOVED FROM XXXX AND 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 2020-07-07 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: Volvo Car Financial Services U.S., LLC
State: MA

Complaint narrative:
The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a Volvo lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on Volvo 's  final evaluation of the vehicle. I was in the process of moving from XXXX to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting Volvo several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NC

Complaint narrative:
This is regards to a continuing issue with XXXX XXXX XXXX that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX  again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local XXXX dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted XXXX again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} XXXX owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information XXXX is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by XXXX that are inconsistent with your credit reporting and XXXX  previous response. ( email provided ).

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 2020-07-07 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: NC

Complaint narrative:
This is regards to a continuing issue with XXXX XXXX XXXX that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between XXXX  and XXXX and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX , resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local XXXX dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted XXXX again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} XXXX owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information XXXX is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by XXXX that are inconsistent with your credit reporting and XXXX  previous response. ( email provided ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am behind one payment on my Bank if America Credit card. A few days after the bill cycle I started receiving anywhere from 3-5 calls a day M-F and text messages as well. I understand there is no limit for how many times they can call you, but at this point that is excessive. It was Bank of Americas Collection Dept. I finally called the back and instituted a cease and desist, but they then said they wont be able to call me period including if something happens regarding my account. I took that as a threat and understand it as, If we cant call you for payment, we wont call you for anything including if my identity or card is compromised. That is a threat to my understanding. The representative said they can call you up to 7 times in one day. Coming from someone who works for Bank of America I have no means of verifying this and that many times every single day can be considered harassment. I had received a callback from BoA between XXXX CST on XX/XX/2020 and was placed on their deferral list, submitted a complaint, and asked not to be contacted like that again and was reassured. 1 hour later they call me again and of course I have them blocked. The rep even had notes from the previous rep regarding my account. At this point Im concerned that Ill either still keep getting calls or Ill get no more calls including regarding the security of my account. BoA has put me in a lose-lose situation and at this point Im wanting to know what my options are and what I can do. I have attached two screenshots with redacted information regarding other inbound/outbound calls regarding today XX/XX/2020 when I had called from within the BoA app and opted in for a callback, followed by FIA calling again. I use XXXX XXXX XXXX in conjunction with my XXXX  silence unknown callers, so unfortunately only a few times I was called show up, including 2 on the same day, but I can reassure you they called me at least 3 up to 5 times a day every single business day since the beginning of 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 2020-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, I hired someone for an office manager position at a XXXX  I own. Within days, she began using my Capital One credit card for numerous unauthorized charges, unbeknownst to me. Over the course of several weeks, she continued to increase this behavior to fund her personal expenses and several expenses for another business she was trying to start, in the amount of {$6600.00}. As this came to light, we approached the employee about it, at which point she tried to conceal the nature of the charges through various lies. She was fired immediately as she'd demonstrated herself to be a fraudster. I reported the fraudulent charges to Capital One at that same time. Initially, they reversed the charges. Subsequently, they reinstated the charges stating that this does not constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NE

Complaint narrative:
The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I have repeatedly had issues connecting to my PNC business checking account to manage it. Issues have occurred attempting to access via all three platforms PNC provides its clients to manage the acct., ( Laptop, Dial-In PIN & mobile app ). The error message will say my password is incorrect even though I never changed it. Same with the PIN to access my info over the automated service. Several calls have been noted on my account over the past year and a half. I eventually went in-person to resolve this only to find the solution temporary as the same problem occurred again the next time I attempted to log in via the mobile app. Now the bank will not link with several applications I have requested it to, one of which being payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NE

Complaint narrative:
The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.

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 2020-07-07 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: NE

Complaint narrative:
The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I asked for documentation verifying the account to be sent to me directly following my dispute. The account in question XXXX XXXX XXXX is 7 years old and is still reporting to XXXX  and Experian. I was sent a letter stating the account has been verified  as accurate, but the dates are incorrect and should have been deleted at the seven-year mark.

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 2020-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I paid Amerisave Mortgage Corp {$500.00} as part of an application to refinance my mortgage. They have taken the money but not done anything with the supposed refinance. They refuse to return calls or emails ( dozens of them ) and we can't get our money back. This process started back in early XXXX, it is now XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: WI

Complaint narrative:
one long term account was charged off during pandemic but openly admitted to phone lines were tied up due to overflow. I tried to call many times to deal with this but was put on hold for the essive amount of time each and every time. As for my other account same issue but is due to close in 3 day finally getting to a rep. she explains my 2 options that was to stop the closing but do nothing in the event to help or lower my bill. Capitol one rep repeatedly explained that there was nothing she could do and no one to send higher for this. She then explained that every one account was different and had a different options depending on payment history. During these trouble times I've been furloughed and business completely stopped that any amount is a hardship when it does nothing but stop the close of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC has made a change that does not allow it to link with XXXX, my accounting app for my business. This is horribly inconvenient and I will need to drop PNC if this continues. 

Furthermore, I have personal banking with PNC. 

The fact that I can't seamlessly transfer funds from my business checking to my personal checking ( virtual wallet ) AT THE SAME BANK is truly basic banking 101 in the year XX/XX/2020. I have to write my husband a CHECK to our personal account to transfer funds. This is absurd. If this isn't fixed I'll also have to switch away from PNC. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The mortgage company deducted {$2600.00} for " Unscheduled Draws '' and and {$5.00} for " Interest on Unscheduled Draws '' on the Payoff Statement Created Date XXXX/XXXX/2020. No unscheduled draws were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Credit Reporting Agency I am enacting my right under the Fair Credit Reporting Act to request information regarding an UNKNOWN item that is listed on my consumer credit report : XXXX XXXX account number XXXX I am aware that I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows :

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