vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My XXXX XXXXt Account ( XXXX XXXX ) was part of the program At some point XXXX sold the account to Midland Credit Management. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be Midland Credit Management. XXXX XXXX XXXX more specifically XXXX XXXX XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact Midland myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by Midland their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the XXXX XXXX   XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Block, Inc.
State: NY

Complaint narrative:
This is my third charge back issue with square bank ( the prior two attempts at charge backs were for small amounts so I did not peruse as diligently ). Every time I attempt to initiate a charge back their company never emails me back despite their XXXX guarantee. I have submitted requests for support 3 days in a row ( once a day after XXXX hours ) and have received no response. Their phone number merely tells me to use the app again, I feel as if I am attempting to resolve this dispute with a wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Regional Management Corporation
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I used the American Express online portal to request an additional authorized user on my AMEX XXXX card. I went through the prompts, read the legal disclaimer, and hit submit. After submitting my request, I received a credit bureau notification from XXXX  informing me of a hard inquiry on my credit bureau. 

I went back online to verify if there was any language where I consented to AMEX receiving my credit report, and there was not. I called AMEX directly and spoke to a rep who was unable to assist me with my problem. In asking her if i would have called AMEX directly would they have informed me of a credit pull, and she said they would have not. 

She then provided me with the number of XXXX to correct this problem on XXXX. I called them this morning at XXXX PST and was told to call the new accounts department at XXXX. The American Express rep said because i have a fraud alert set up on my account, a hard inquiry was made. I told him I have had fraud alerts placed on my account for over 20 years and this was the first time something like this had happened. 

I did not give any consent to AMEX to pull a credit report on my account. AMEX did not provide me with any information that having a fraud alert on my account would result in a hard inquiry. I am of the opinion that AMEX violated the Consumer Privacy Act. 

After going back and forth, the rep XXXX XXXX ID XXXX XXXX said they would remove the inquiry. He said they had a maximum time of 90 days to remove it from the credit bureau. I'm not sure if this is true and would like follow up on this since they were unable to provide me with an information in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-27 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Yamaha Motor Finance Corporation USA
State: SC

Complaint narrative:
This loan was for the purchase of a boat. Start date XXXX XXXX with Yamaha Installment Financing,  XXXX XXXX. Beginning XX/XX/2020 Yamaha Motor Finance Corp. U.S.A. took over these loans and they are no longer serviced through XXXX XXXX  . 
The XXXX statement was sent by XXXX XXXX. Our payment was made to XXXX XXXX, XX/XX/2020 with a due date of XX/XX/2020. 
We received a letter from Yamaha Motor Finance Corp after the payment was made, instructing us to update payment information after XX/XX/2020. The account number was off by one digit. I have been trying to call them since Saturday XX/XX/2020 and can not get thru. The recording says 1 hour wait time due to heavy call volumn. I have made several attempts to reach them. They sent two more letters, one correcting the account number and the other that we are past due on our payment, will be charged a late fee and a negative credit report may be submitted to a credit reporting agency. 
XXXX XXXX  now has a recording that these loans are no longer serviced through them and to call Yamaha Finance at XXXX. Then the call disconnects. Everyday I try to call and several times a day and can not get thru. a/c XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: First Data Corporation
State: IN

Complaint narrative:
My complaint is against First Data the card processor. I have a merchant account with First Data for probably 20 years. Haven't had issues all this time except in the last two years. I had two charge backs and they were handled very poorly. The last one was in XX/XX/2019. A client disputed a charge but then realized they made a mistake. When they called their bank which was XXXX XXXX, the agent said they cant reverse the amount they credited their account. First data requested evidence that the charges were correct and I faxed specifically what they requested. I waited and called to see if they received the fax and they confirmed they received the three pages I sent to them. They said it will take seven to ten business days to make a decision. I called after 10 days and the outsourced agent was very aggressive informing me that I havent provided the information and the case was closed. I tried to reason with him but he yelled at me and hung up. I was trembling for at least 10 minutes from the humiliation and the injustice I suffered. First Data did not handle my dispute fairly. The client provided a credit card to charge the amount they received and we got back the charge for the service we provided. The procedure that First data followed and the agent behavior are not acceptable. This time the client was honest and acknowledged she made a mistake but what is going to happen if we had more charge backs? Are we going to hope for more honest people or for the company we have been with all this time to treat disputes justly so we get paid for the services we provide?

I appreciate your attention to this complaint. 

regards, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have a federal government consolidated student loan, and work at a 501 ( c ) 3 job. In 2007, and for a few years I checked in with my lender and links provided to ensure I was on track for Public Student Loan Forgiveness. I was assured that I was on track and that it was too soon to apply. I later found out that although the loan should have qualified, it now didn't and I'd have to re-fiance and start over. I have over 10 years of payments, and I can't just start a new 10 year clock. The lender and the government pulled a bait and switch scam on us. Fix this, allow me to apply and forgive the loan as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Crown Mortgage Co.
State: IN

Complaint narrative:
This letter is to address the recent denial for Modification, on behalf of XXXX XXXX. 

It was determined, by XXXX XXXX that the default was, to quote him - self-inflicted. That it was caused by monies that were given to my father, shortly after my wife passed away. 

This information is absolutely incorrect, as my wife passed on XX/XX/XXXX and in XXXX, XXXX, I lent my father monies. It wasn't until almost a year-and-a-half of on-time payments, that I defaulted. The reason was directly related to the repayment of medical and funeral costs related to my wife passing away from XXXX. 

These costs, saddled with college tuition and housing costs for my daughter are the REAL reason for the XX/XX/XXXX default - again, almost a year-and-a-half after I extended the loan to my father. 

Also, in XXXX of XXXX, Crown Mortgage declined an initial request for modification, based on - 1. No verifiable hardship - this is incorrect, as the hardship was clearly stated as ongoing funeral and medical costs from my wife 's passing, as well as, current college costs for my daughter 2. Mortgage is Affordable - This is actually a reason to APPROVE a modification - at the very least a reinstatement I was not seeking payment relief, I was seeking reinstatement to put this situation behind him. 

At this time, I'm more than able to return to good faith payments and simply wish to put this matter behind me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-27 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION
State: SC

Complaint narrative:
Every time i send in a 2 or 3 payment in advance bbt credit card company take the payment both payment cash but only applied one to balance..this has happen to me 3 times.so on the third time i called the credit card company bbt and the noted on the account that 2 payment coming in.they cash  both check but only applied one to my balance.call bbt they ask me to get copy of both checks.they see that i paid 2 check but fail to correct problem.that why i called to let them know 2 payment was sent in.they even noted to account but still cash both and only applied one .so im reporting them to cfpb.

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 2020-01-27 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-27 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Please attached documents and narratives.

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 2020-01-27 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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