vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID

Complaint narrative:
On XX/XX/XXXX, I was notified that my wages are going to be garnished by the XXXX County Sheriff for a debt that is not mine, and for which, documentation submitted to the company on the court date in XXXX shows that the reported debt is not mine. 
Prestige Financial Services , Inc, made threats and were aggressive with their collection practices even after proof had been submitted that the debt was not mine. The owner or representative reported they were going to sue and did not give a XXXX what papers I had, because he was going to get his money. 
This is for a debt on a XXXX that was obtained prior to my XXXX in XXXX. In our XXXX decree, which was signed by XXXX XXXX on XX/XX/XXXX, Page 7 states, The wife is ordered to pay the following debts as or before they become due and hold the husband harmless for any further liability concerning these debts : Prestige Financial, XXXX XXXX. 
My ex-wife filed for bankruptcy after our divorce and the debt was discharged in her bankruptcy. On XX/XX/XXXX, the case was renewed and Prestige has again stated I am responsible for the {$15000.00} debt which includes fees and interest, despite their lawyer receiving the proof in court, that I am not responsible. I have now been served with an order for garnishment and my paycheck is being garnished approximately {$500.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX.i dont know just got the letter today.i been trying to call the office and before I leave I went to talk to manager but she no need to do anything.so I think wrong file under my name.

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 2020-10-14 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I had disputed an amount for airline tickets because my flight was cancelled by XXXX XXXX. After months of faxing the supporting documents for my dispute, I was finally issued a credit on my account for the amount disputed in XXXX. Today, I received another letter, stating something different ... that there has been an update on the account and the update states that I was issued a courtesy credit instead of a credit because so much time had passed since my initial dispute ( due to Chase taking several months ). The Update states that the account of courtesy credit will now be sent over to the IRS as forgiven debt and I will have to pay taxes on {$4000.00}. I had a long conversation with LiWay tonight who advised me there was nothing Chase could do. Please advise on how to proceed. I dont believe I should have this tax liability on a trip that was cancelled by XXXX XXXX back in XXXX. Thank you, in advance for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: ID

Complaint narrative:
Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30  days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : EXPERIAN XXXX  AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.

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 2020-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America pursued me to pay my father 's credit card account balance after he passed away. My father, XXXX XXXX, was the only liable person for this account. I have never signed a contract to be a liable party. I was ONLY an authorized user to help him manage his finances. 

After my father passed away in XXXX, Bank of America added a charged off account to my credit report dropping my scores XXXX points. Their collection agents hounded and threatened to sue me if I didn't pay my dad 's account. I ended up giving-in on XX/XX/XXXX and I paid the agreed settlement amount of {$4400.00}. Even after I paid the settlement amount, Bank of America continued to report the charged off account to the credit bureaus with a balance of {$8600.00}.

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 non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Kia Motors Finance is incorrectly reporting that I have several missed payments which is incorrect. We ask for and were granted a Covid-19 deferred payment for XXXX and XXXX. Every other payment this year has been on time. Kia claims that there was some type of glitch in their system which kicked out our deferment and also has every payment showing as late on our credit report. Just last month, every payment for this year has been on time. We have called Kia several times and they give us the run around. They have reported this false information to all of the credit bureaus. After some research, it seems Kia is and has done this to several customers. I'm looking to buy a house and my credit score has dropped 60 points.

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 2020-10-14 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: NJ

Complaint narrative:
To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from XXXX, XXXX, experian and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is 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 2020-10-14 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: CA

Complaint narrative:
I tried to remove credit freeze on Equifax multiple times in XXXX, XXXX, their website shows an error when creating an account or trying to access credit freeze. XXXX and XXXX had zero problems. I called Equifax numerous times, had to be placed in tedious automated systems, and they requested more information for verification, which I have sent through fax, but never gotten a response. My credit remains frozen and I have ran into multiple declines when applying for a new apartment or mobile phone upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Kia motor finance applied a payment in XX/XX/2020 incorrectly. This resulted in the account reporting as 30 days late. I attempted to dispute this with Kia finance and was refused by multiple employees over a two week span. I was told to file a formal complaint I would have to speak to a specific supervisor, to call back at a later date, and then repeatedly told I would receive a call back to complete my dispute.  None of these things happened. I disputed the error through XXXX  and it was updated on me XXXX  report. I am going through the process of applying for a mortgage and was told it is not reflecting on my credit report. I asked Kia to provide some documentation to me that the account was in good standing or show that the correction had been made and they refused on XXXX at XXXX XXXX  I spoke with XXXX a supervisor who said they would provide a letter of account current status. This never happened and when I called back I was told by three different supervisors and eventually XXXX, the senior customer service supervisor that I would have to call corporate and take legal action because there is nothing that they could provide me for documentation of the correction.

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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: CA

Complaint narrative:
My mothers sister XXXX XXXX put an Gas and Electric bill in my name without an identification card in 2014 while I was incarcerated. I have have been asking this company to remove the debt for years I also show them proof of my release showing I was not in the household at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I need your help to update my mortgage account information with the lender as well as the three credit bureaus because there is still some out-of-date data with them. 

In early XXXX I activated a forbearance plan offered by the lender of US Bank by mistake and then cancelled it immediately as I didn't need it. Thus there is no one single payment that has been delayed or missed. However, that resulted in a severe consequence that no new mortgage loan I can get. 

I had tried to contact the said lender and the XXXX credit bureaus, requesting them to remove the out-of-date information of the deferred plan with a letter from the US Bank dated XX/XX/2020 confirming the termination of the said plan. Unfortunately the information has not been updated with the lender and those bureaus till now. To be worse, the recent credit report even shows that a deferred pay start date will be XX/XX/2020. 

Therefore, it would be appreciated if you would help me update my mortgage account information with the lender and the three credit bureaus at your earliest convenience.

Should you have any questions, please feel free to let me know soon.

Your attention and assistance to this matter would be much obliged.

Yours sincerely, 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 non-monetary relief
Consumer complaint received 2020-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was XXXX. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to XXXX XXXX XXXXaus : XXXX XXXX  AND TRANSUNION So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.

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 2020-10-14 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: ID

Complaint narrative:
Credit Card company : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service. 

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : XXXX EQUIFAX AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: MN

Complaint narrative:
My XXXX XXXX XXXX daughter opened an account ( cable, internet and home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from XXXX XXXX XXXX XXXX # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XX/XX/XXXXand Transunion. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a XXXX called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with Transunion and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. Transunion could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, Transunion would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like Transunion isnt verifying evidence but has an interest in these collection agencies.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX i used my card to withdraw XXXX dollars in a XXXX XXXX store in XXXX  ca. when i got home i checked my account as i usually do because im on a fixed budget.i noticed my account had went from XXXX to XXXX i reached out to bank of america about this on the same day within an hour of this happening. the charge happened in XXXX XXXX wich is a distance away from me i only have 1 card there is no way humanly possible for me to have done this as im being accused. i called and emailed boa numerous times and got lied to and handed off to another person each time.and still to this verry day i cant get no answers to whats to be done i am at a huge loss here i live off those benefits i have no other means of money and to lose this much has killed me .i did all i was supposed to do in a verry timely manner and i sit in limbo with everything already been delt with they ( boa ) states the investigations over but still no answers.and i can not get my money back. whos the victim here i was under the impression a zero liability for out of my control purchases i feel like i was discriminated against because its a government card that it makes me a lower tiered pupil. its really sad how this is being handled i need to pay bills and eat and i cant do that.

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 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Letter received dated XX/XX/2020 Collection agency Enhanced Recovery Company LLC, Doing Business As, XXXX XXXX XXXX ERC, XXXX XXXX, XXXX, FL XXXX, or XXXX XXXX XXXX, XXXX, FL. XXXX, demands cash payment or check for {$3400.00}, money not owed. 

I checked with XXXX. No record of acct. 

I checked XXXX Credit Report. 
No amt or activity from XXXX XXXX XXXX XXXX 

Fraud apparent.

Company response to consumer: Closed with explanation