vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TSI-Transworld Systems Inc XXXX 

This collection agency took the debt over of my XXXX XXXX XXXX. On XX/XX/XXXX, I rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for 23 months which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from XXXX XXXX XXXX, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the XXXX XXXX account and started noticing discrepancies b/w the XXXX XXXX monthly statement and the TSI monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the 23-month payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the XXXX XXXX XXXX had different amount owned than the statement from TSI. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX XXXX XXXX XXXX  statement reports the debt as {$3400.00} and TSI statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: OH

Complaint narrative:
Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

1 ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX  Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXX BANK Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
1 ) XXXX XXXX XXXX l Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} 3 ) XXXX XXXXXXXX XXXX  L Account # XXXX Amount owed {$400.00} 4 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} 5 ) XXXX XXXX XXXX  L Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} 6 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: OH

Complaint narrative:
Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

1 ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX  Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
1 ) XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} 3 ) XXXX XXXX XXXX  L Account # XXXX Amount owed {$400.00} 4 ) XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} 5 ) XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} 6 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$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 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
on XX/XX/16 I called Santander Consumer Regarding a written statement for my pay off amount. I spoke to customer service and the lady sent my letter off to my email address. When I got the letter the customer service agent advised me the overnight mailing address was wrong. I asked her why sent out an official letter with the wrong address on it. She advised me the correct address was on their website and that it was out of her hands. I advised her I was turning this letter over to another bank who would then send the overnight check to the address on this official statement coming from them. She advised me it was out of her control and I asked to speak to a supervisor by the name of XXXX. He advise me it was out of his control. He transferred me to their Executive Team. and I spoke to XXXX # XXXX. I asked her the same question, why isn't the address updated on an official document that you are sending out to consumers? She informed me she would have to reach out to their legal team to see if they can change it and she would get back to me in 24 to 48 hours. I think this is totally unacceptable to provide wrong information on a document like this and have payoff payments going to the wrong address. My bank asked for a written statement and this is the document I provide. Now they are going to be sending an overnight payment to an address that Santander is no longer at, according to the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
BRIDGECREST did not respond to my last CFPB rsponse. They know that they recieved the authenticated XXXX from the Treasury from my estate UCC treasury account for the payoff and address they gave me. After taking 2 months to verify that and had the funds ready and sent certified mail, BRIDGECREST refused the LAWFUL payment under UCC 3-603. After further review and communication, since they have not diclosed any prefererred payment methods and on top of that, having no direct contract, the contract they sent back is with Carvana NOT Bridgecrest or any parent company. They should have forwarded a 1099 and the XXXX as lawful payment. Since they cant do lawful business, and demand DEBT without contract, they are not only breaking federal law, but damaging my credit score and credit of account. This is illegal and disturbing for a company especially with no contract to act this way. They need to reply IN WRITING a valid and lawful solution. Since they have not, I have reserved my rights to rescind my signature nulll and void ; 15 US code 1635 ; with XXXX as this was a mutual mistake of contract. BRIDGECREST made a mistake. Under federal law, this Letter and Right of Rescission due to " mutual mistake '' being the legal reason for rescission, has been delivered to BRIDGECREST on XX/XX/22. They have not even responded to the letter. Thank You. XXXX XXXX XXXX ESTATE - Beneficiary - All Rights Reserved

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 2022-02-16 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: MI

Complaint narrative:
This is XXXX XXXX XXXX XXXX and I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX CO XXXX Balance {$0.00} FXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
We received notice of a medical debt from a collection agency. We paid the debt. They continue to report the debt to the credit bureaus as unpaid. When I called the collection agency in XXXX, they confirmed to me it's paid and say that it is not there problem that the credit bureau is misreporting it. We have disputed it several times thru the credit bureaus, even with the receipt, and the collection agency continues to confirm it back as unpaid. 

Credit Control Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Paid in full on XX/XX/21 {$710.00} + XXXX fee = 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 2022-02-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX You have never dealt with this before! You excuse of unacceptable. 
An investigation needs to be done into fraud you are reporting on my credit report. The excuse XXXX  is suing is unacceptable. XXXX perpetrated fraud and you have displayed that fraud on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase took money from my bank account but did not deliver the purchased cryptocurrency. My account was under the email : XXXX email from : Fri, XX/XX/2017, XXXX PM states : Your purchase for {$4600.00} USD of ETH has started Your funds will be available by XX/XX/2017 However, the funds were never accessible. I could not trade them, sell them, or transfer them. Coinbase has since closed my account and I have no access to them. 


The transaction details are : Amount XXXX XXXX XXXX rate @ {$300.00} / XXXX XXXX {$4500.00} Fee {$68.00} Total {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
We discovered today that we have been charged a $ XXXX  monthly service fee since XX/XX/2021 without any notification. The terms of our account with Bank of America state that if we keep a minimum of {$3000.00} in the account we would not be charged any fees. We received no notice of any change to these terms. We requested a fee reversal of {$160.00}. Bank of America stated that they would only refund {$16.00}. We requested an escalation to a manager. The request was denied by the manager. As there was no notification of a change to our terms, this fee should be reversed.

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 monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: IN

Complaint narrative:
I was receiving unemployment through the Eppicard bc I didnt have a bank acct. I had {$470.00} on the card once my unemployment ended. The money stayed on the card and then unemployment announced they were no longer using eppi card and switching to Way2Go card services. So we either had to have our balances switched ( if still receiving unemployment ) since I want still receiving unemployment they told me to call to request a check be sent out of remaining balance. Which I did in XX/XX/2020. They were supposed to have sent it out by XX/XX/2020 I still hadnt received check so I reached back out. They said oh well resend never received again. So again I called and they said oh well its probably in unclaimed property. Called that office and theres nothing there. Again I called and no one seems to be able to help. They can see my balance but cant send a check. Ive had them send messages to supervisors talked to everyone and cant access my own money. I need help getting my funds to me and being able to use them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo is currently one of the larger banks that are still charging over draft fees. I have tried to get assistance in the past and they help out with a portion of the fee. They don't assist if you have needed assistance before. For the month of XXXX I have received 9 Overdraft fees. They charge {$35.00} per over draft. Some of the charges were less than {$35.00}. On XX/XX/XXXX, they charged me 3 overdraft fees for the same restaurant. The restaurant was supposed to run it as one ticket. But prior to going to the restaurant the money was there. When Wells Fargo decides to pay merchants they do an algorithm that seems unfair. I am just concerned that I have been a customer with them for over 19 years and they can't do anything to assist. When my paycheck deposits to the bank account on XX/XX/XXXX. I will literally have no funds. Since I have {$310.00} worth of overdrafts. This will make it harder for in the upcoming weeks trying to provide for my family waiting on another 2 weeks to be paid. I don't want to cut off the overdraft protection because I need it. But there has got to be something that can be done about banks that still charging the overdraft fee. Maybe not making it {$35.00} or limiting the amount of overdraft fees you can get in one day. I am begging at this point to get some help with these fees. I didn't want to lodge this complaint but I don't know what else to do. I am getting no where when calling in Wells Fargo. They have been great to me as far as customer service. But I really need some help. Please help with these overdraft fees.

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 monetary relief
Consumer complaint received 2022-02-16 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: LA

Complaint narrative:
My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.

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 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I have had student loans since 2000. It has been a struggle to pay them. My interest has racked up making it double what I initially owed. {$35000.00} loans are now {$70000.00}! Even during the pandemic XXXX calls constantly. They never allowed me to not make payments even though it was a federal mandate for all student loan borrowers. The debt is overwhelming and I don't agree with all of the fees they keep assessing on these loans. I'm not sure how to proceed with this or what to do. They are nasty to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: IN

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 2022-02-16 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: IN

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 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 2022-02-16 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 started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!

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 2022-02-16 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: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : 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 2022-02-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

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