vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX   XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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:
This complaint is for XXXX  and Transunion I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for capital XXXX purchased by a debt collector that I paid it was removed but now transunion says I have another for the same amount but through XXXX  XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX from a XXXX to XXXX but XXXX  and transunion are still sitting at XXXX and XXXX and I paid collections in all XXXX I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from XXXX  and transunion. I would appreciate anything you can do for me. 
Thanks 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 2020-06-16 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I purchased a vehicle and financed through BMW. The payment is on auto-pay via my bank. I have sent in additional funds to pay down the principal ; there is not a penalty for doing so. However, instead of immediately applying the additional funds to the principal in order to keep from accruing the daily interest, the company is placing the additional funds on hold towards a future payment. I called the company and the finance officer told me they are doing this to help me out, just in case I am not able to make a future payment. As stated, the payment is auto-paid. He indicated that the additional funds will be applied to the principal if I go in and request a pay-off quote, the date of the request will reflect the application of the additional payments towards the principal. I feel this is a scam and unethical. I am paying the payment in full and sending in additional funds to be applied to the principal. Instead of immediately applying the additional funds to the principal, they are sitting on the funds, while the account continues to accrue daily interest. 

IF they insist that the account is not accruing additional interest, then make it so that the additional funds paid ( beyond the payment due ) are immediately applied and not held towards a future payment. I am only required to make XXXX monthly payment. Beyond that, any additional funds submitted should be immediately applied to the principal. Who are they to manage my finances and place funds on hold to determine whether a future payment will / won't be made. They payments are on auto-pay. They will receive their monthly payment. The manner in which they are managing my account is unethical. I'm really surprised to have this experience with this company. I thought BMW was above this type of consumer abuse. Particularly since I feel I have been a loyal customer. BMW is/was my brand. 

This is a major company. I do not understand why the need to play games with consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In XXXX I applied for mortgage financing to Purchase a home. I was notified by the mortgage broker that one of 3 credit agencies : Equifax returned a fraud alert. Equifax attached my social security number to someone else 's name. I called Equifax and was told to mail copies of my license and SS card. This was mailed and received by Equifax ( see attached tracking info ) on  XX/XX/20. I have been calling frequently, sometimes daily to try and rectify the issue but Equifax can not /will not confirm they have received my information. On one occasion i was given a fax # to send the same information. I asked to speak to a supervisor or someone who could acknowledge their reciept. I was transferred to the mixed file unit. They told me my only recourse was to mail my information in and " once received '' they would review it. When questioned, they stated they had no ability to receive faxed information. After hanging I called back and asked for the fax #. I was promptly given the fax #. My information and explanation letter ( attached ) was faxed to Equifax on XX/XX/20. As of today XX/XX/20 they still claim they have no information on me. I also received a letter from Equifax dated XX/XX/20 ( attached ) that states they have no credit information on me. This contradicts the information from the mortgage company and earlier conversations with Equifax. I am nervous because i have mailed and faxed my Social Security Card, Driver 's license and Passport to this agency and they have no record of it. I have no idea who may have my information now. As of today the focus of the call was my lack of identity ( i.e. no credit history ) rather than my SS # being associated with another person. When I asked how long it will take to update my record once they receive my information went quiet and did not respond to the question. They constantly run me in circles telling me they can't do anything without documents, yet can offer no help to facilitate the acknowledgment of receipt. 

In the meantime, I have called XXXX XXXX to see if i can get them to push my credit card history to Equifax to see if that will have some effect. That will be another XXXX business days. It appears my chance to purchase my first home will not be possible. 

Please note : The last XXXX digits of my SS # changes every time I enter in your system so it is likely not correct in the box you asked me to enter it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a Credit card Bank Check at BOA - ( in my name ) however It was from an older batch of checks they sent prior to me losing my credit card. Needless to say the check was returned. I was good with that  however they closed my account and threntened to report me to the bad check agency. When i asked about the threat they said they would not do that. Turns out they did report me so I was lied to. I would like to re-establish a new checking account. I have 23 years at XXXX XXXX  in good standing never bounced a check or was overdrawn for that matter. Because of the bad report I can not open another account anywhere! I'm beyond mad at this point. 

Ps. 

I have over {$180000.00} in a Bank of America ( XXXX XXXX ) account which they completely ignored

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, On XX/XX/2020 I checked my account balance online with Chase. At the time my balance was XXXX ... I went ahead and did a XXXX transfer from my XXXX account in the amount of XXXX for a check that was written but had not been cashed. When I updated and the transfer was complete there was over XXXX dollars in the account. I check my balance today it seems as if they backed out charges including my XXXX and updated charges and put them in a different order and it caused for me to have three separate NSF fees which I should not have had. I have alerts set up for when my account has a low balance via text and email. I never received it because my account was not below the threshold. I need my money to be placed back on my account during times like this banks should not be using their systems to steal money from their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We transferred funds from our XXXX  checking account to our Citi ( COSTCO ) Visa account to pay our monthly bill of {$400.00} but mistakenly transferred {$40000.00}. Post date XX/XX/XXXX. Discovered the errorXX/XX/XXXX. 
Called Citi Bank XX/XX/XXXX 
1. ) XXXX Spoke to XXXX ( XXXX XXXX ) who told me NO WAY to electronic transfer {$39.00} back to XXXX  because no record that bank account in their records. THIS WAS A LIE! SHE REFUSED TO GIVE ME HER COMPLETE NAME OR LOCATION! Would have to send us a check in the mail. I don't want to risk a check this large in the mail. Her story changed every time she told me what could be done & the time frame. Asked to speak to a supervisor. She said she would get one & put me on hold. Eventually I was disconnected. 
2. ) XXXX Called back, Spoke with XXXX. Identical situation. 
3. ) XXXX Called back, Spoke with XXXX. Identical situation BUT she did connect me with XXXX, a supervisor. XXXX refused to provide last name, location or employee #. Very convenient! Did say she was in XXXX Florida and they had a XXXX XXXX. She investigated and told me that they actually DID HAVE all the XXXX  info & would process an electronic funds transfer but it would take several weeks. I don't understand why it will take that long & I NEED THE MONEY NOW! It was transferred to them instantaneously. In light of all the misinformation from Citi, I DO NOT TRUST them. 
Their Complaint??? ID # 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 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Orions Management Group, LLC
State: NY

Complaint narrative:
Man called both my brother and father claiming to be from a real estate agency demanding to speak to me. Caller demanded I call back XXXX. I then received a call and voicemail from this same number stating to return his call with no reason for returning the call or why he is calling. They are threatening me about documents sent to my home which I never received. I am being threatened with legal action. They are rude and I did not give them permission to call any family and/or friends.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stern & Stern. P.C.
State: NY

Complaint narrative:
my name is XXXX XXXX on XX/XX/XXXX i sent out a notice to XXXX XXXX XXXX XXXX indicating that they STOP there billing of XXXX for alleged tax reduction they reduced on my behalf which i had not contracted with them, so i sent them a notice and i stated for them to rescind and STOP this action toward me XXXX XXXX otherwise i would be contacting the attorney general office and the proper authority regrading this matter i also stated that i would be sending this notice USPS certified return receipt with tracking number XXXX XXXX XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX TO contact me within 7 days of receipt if they had and problems with what i stated via USPS certified mail well i had had not received no correspondence as of the allotted time. 
Now Comes XX/XX/XXXX three years after the fact. I XXXX XXXX received a letter from Law Offices of Stern & Stern, P.C. 
XXXX XXXX XXXX XXXX, New York XXXX DCA # XXXX ] Alleging i owe a debt to them on behalf now XXXX. WHICH i have never heard of or XXXX XXXX XXXX XXXX i addressed the letter to XXXX  XXXX XXXX WHICH i stated i resolved this matter with XXXX XXXX XXXX XXXX SNICE i never heard back from them as we know in Law silence is equal to acquiescence and would provide them with the documents this NOTICE WAS SENT OUT XXXX XXXX i stated to Law Offices of Stern & Stern, P.C and i ask them to please answer the following Questions:1-Is it true that you are a collection Agency DBA STERN & STERN P.C . ? Yes or No? 

2-Is it true that you have a vested interest in collecting this alleged debt? Yes or No? 

3-Is it true that STERN & STERN P.C. a collection agency and is not a holder in due course of this alleged contract? Yes or No? 

4-Is it true that STERN & STERN P.C. Collection Agency has purchased this alleged debt from XXXX XXXX XXXX XXXX and are asking for my consent to collect money to benefit your agency? Yes or No? 

5-Is it true that XXXX XXXX XXXX XXXX have charge off this account? Yes or No? 
You are advised that I XXXX XXXX demand you to respond to all questions and return your answer in writing, within 10 days of receipt of this notice. I will be sending you a copy marked # 2 therefore return the second mark with a circle in your answers and signed by your agent. 
This notice will be sent USPS certified mail return receipt tracking number [ XXXX XXXX XXXX XXXX XXXX ] marked # 2 return circled and signed. 
i did not hear from them and now i come home on XX/XX/2020 i find papers on the floor stating they filed in XXXX county an alleged suit on XX/XX/2020 and i have 30 days to respond when if fact they never respond to my NOTICE AND DEMAND TO STOP THIS SCAM. I AM DEMANDING THE STOP AND DESIST IMMEDIATELY. I XXXX XXXX will upload all correspondences to you at cfpb thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2020-06-16 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: MI

Complaint narrative:
This company bought my debt. I never received any communication from this company. They mailed a letter to an old address. 
I want this account removed from credit report and the ability to pay the debt. I was never given this opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXXBANKRUPTCY/DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: FL

Complaint narrative:
I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ).

Please investigate and delete.

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 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Transunion has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Experian has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ordered 3 of the same product ( outdoor floor mats ) from XXXX on XX/XX/20. I only received 1. I attempted to contact XXXX and XXXX but was unable to find any way to resolve. I contacted Capital One to dispute the amount for the 2 items not received and was told I would receive a credit while in dispute. XXXX tells me it is resolved. I received letter from Capital One today stating that they gave me credit and have resolved the issue and are putting the {$46.00} back onto my account BUT I NEVER RECEIVED THE CREDIT FOR THE DISPUTE! When I try to get on the phone with anyone, I wait for over an hour and then get transferred. This is a small amount but I refuse to pay for something I did not receive and am tired of XXXX and Capital One giving me the run-aroound.

Company response to consumer: Closed with monetary relief