vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF THE WEST
State: FL

Complaint narrative:
We are the sellers of our RV that is financed with XXXX XXXX. The buyers are financing with Bank of the West/Essex Credit Division . 

Our signed Purchase Agreement dated XX/XX/XXXX, states {$83000.00} has the sales price for the RV. We also signed a Power of Attorney giving Bank of the West the ability to do the title and registration once the Purchase Agreement was executed. 

On XX/XX/XXXX, the buyer, per instructions of Bank of the West, sent our bank, XXXX XXXX, a check for {$100.00} On XX/XX/XXXX, a check from Bank of the West was sent and posted to our XXXX XXXX  account for {$78000.00} which paid off our RV Loan. We did not see any other payments posted except for this {$78000.00}. 

On XX/XX/XXXX, we contacted the buyers to arrange for the remaining balance which we calculate as {$4400.00}. Once the balance was paid, we'd arrange for buyer possession. 

On XX/XX/XXXX, the buyers contacted us and said Bank of the West instructed them to sent {$100.00} to XXXXXXXX XXXX and to pay us {$4000.00} ( which is what Bank of the West calculates as our balance owed ). We disagreed with the amount owed. We communicated that clearly in email and texts to the buyers and to their bank and that the amount owed is {$4300.00} after crediting {$100.00} sent to our bank. 

On XX/XX/XXXX, we are still in disagreement with the amount owed. We communicated that clearly again in email to the buyers and to their bank and that the amount owed is {$4300.00}. Since we weren't in agreement, we asked the buyers to arrange a conference call with their bank, the Bank of the West for XX/XX/XXXX at XXXX EST. 

On XX/XX/XXXX, we could not get the parties to join a conference call. We communicated that we are still owed the {$4300.00} to complete the Purchase Agreement. 

We are very concerned we will not see the amount owed of {$4300.00} and the buyers bank is proceeding with the title transfer and registration of the RV. We are still in possession of the RV and the keys and have communicate we revoke the Power of Attorney for the tiltle transfer and registration unit the amount owed of {$4300.00} is settled.

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 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
The company charged an annual fee of {$140.00} on my account on XX/XX/2021. I canceled the card but the company refused to refund the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 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: MD

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
reinvestigate please. 
It has been brought to my attention that XXXX XXXX has listed NON-SUFFICIENT FUNDS on my ChexSystems file. To my knowledge, I have never had Checking Account with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. To my knowledge, I have never had negative listing with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX including copies of any documentation associated with this negative listing which bears my signature. In the absence of such documentation, I request that this negative listing be permanently removed from my ChexSystems report.

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.

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 2021-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with XXXX and also contacted Bank of America. Bank of America replied to XXXX that the payment history/prior reporting is accurate. 

I called Bank of America 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I noticed two {$3.00} fees attached to interbank transfers I made. I have transferred funds between these two accounts many times in the past and have never been assessed a fee. When I brought this to the attention of an online rep, I was put on hold for over 10 minutes and then told that she could not help me. I asked for a supervisor to contact me. She asked for my phone number, which I gave her. No one ever called. So, to summarize, I was charged {$6.00} in bogus fees and no one at customer service could reverse them even though the rep admitted that were not appropriate charges. I got stuck on hold for a long time, told I couldn't be helped. It was suggested to me that I go to a branch. I suggested that a supervisor call me which I was promised. No one called. Looking at the amount of complaints from consumers against 5th 3rd, someone ought to step in and give these crooks some negative consequences. It's shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The Home Depot/Citibank Car opened XX/XX/2021 as a result of fraudulent activity. 
Balance is {$470.00}

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 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: NC

Complaint narrative:
On XXXX I received treatment for an injury that happened at work. The number for that is XXXX. I was informed shortly after my injury while checking my credit report that you changed my account to a personal debt collections account for the amount at the time of XXXX. I called numerous times within the last 1 1/2 and my bill was illegally referred to a collections agency. I was informed by you that my job didn't care about workers compensation insurance and that I was liable. Under the workers compensation Act in VA the injured worker is never liable. 

Throughout this time you charged interest and kept reporting a debt to the credit agencies under a new account number of XXXX, which under the state and federal laws was incorrect. Seeing how this claim was a workers comp claim i was never liable. I am asking you to correct this and report this to the agencies of your mistake. 

On XXXX I contact there admin team with the documents needed to resolve this debt showing that under https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please refer to section 2 - I the injured worker is not liable, the company stated they would respond in 25 days, instead they keep billing this debt as a new debt and charging interest since it has hit my credit effective date of negative impact in XXXX not even 60 days later. I have been denied the ability to credit due to the negligence & called today and was hung up 4 times trying to resolve this. The company is under a company name that is no longer active as my previous claim, & me as the consumer should not be held liable. 

As well as this company failed to removed paid accounts as promised & the company listed on the credit reporting agencies in unreachable. The agency As you can see per the credit reports are not the same as the Admin team who was supposed to handle my claims, why is a company using another name to hit consumers credit. As well as when I filed my last complaint the next page is showing XXXX  XXXX  Closed in your system. As well as the companies addresses for that & the name they are using which is Receivable Management is also not listed as a company. I have filed an FTC complaint & contacted the credit bureau 's several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Kashable LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have read enough to understand my rights. The late history should not be showing late as reported in my 3 Credit Bureaus because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Over the past two weeks, I have tried to log into my Experian account online to lift a credit freeze. I was unable to log in using the user id and password saved in my XXXX XXXX password XXXX. They sent me a passcode. It didn't work. They sent me repeated passcodes. They didn't work. I called them on multiple numbers at multiple times and got transferred all over the place. They all asked for multiple kinds of identification and security information which I gave them to their satisfaction, but they still couldn't get me into my web account online or unfreeze my credit. The last guy told me to mail in multiple forms of identification by paper mail. I did. I called today on multiple lines and finally got a human being. She was an answering service who asked me what I needed, then transferred me immediately. The person I got could not help me. She said she was the wrong person. She gave me two numbers to call for Experian. One was XXXX XXXX XXXX. I never got a human being. It hung up on me. I called the second number. That number was XXXX XXXX XXXX. That number was not even an Experian number. The recording that answered identified the number as belonging to XXXX XXXX. I hung up. Then I came to you and filled out this form.

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: FL

Complaint narrative:
On the occasions I mail a copy of the front and back of me insurance and irhythems did nothing today I receive a letter from Revco a collection agency telling me I owe XXXX I have been in XXXX after my admission and this is the first letter I receive when I call the first time to collections agency they hang up the second time I call XXXX they connect to calle toon on three occasions I send XXXX my insurance which is a tripe of XXXX but threw the county now they say I owe it because its over one year however I had contact with irrhythem on three occasions and gave insurance info. This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number XXXX. Please review.

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 2021-09-13 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: MD

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible

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 2021-09-13 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: MD

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible

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 2021-09-13 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: IN

Complaint narrative:
XXXX XXXX is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IN

Complaint narrative:
XXXX XXXX  is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Good afternoon, My husband and I have recently contacted our lender/mortgage company ( 21st Mortgage ) regarding a request to change our mobile/manufactured home from personal property to real property. According to the Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all we need to do so is to fill out a Statement of Ownership with all needed information and mail it to them. Part of the information that they require for this application is written consent from the lienholder ( 21st Mortgage ). I have contacted them numerous times today, XX/XX/XXXX, and spoken with a variety of individuals- most recently XXXX, XXXX ( XXXX being the supervisor ) - all of who claim their company refuses to send the needed written consent, as doing so would lessen their stakehold on the loan. They are stating that we must refinance our loan with them in order to receive written consent for the request. 

I spoke with XXXX on XX/XX/XXXX at approximately XXXXXXXX and spoke with XXXX XXXX XX/XX/XXXX at XXXX. I asked to speak with their customer service department to file a complaint. They placed me on hold for over 20 minutes, someone picked up the phone and then hung up. 

When we purchased the mobile home, we moved it to family land and had permission to do so. We now OWN said land, free and clear, and would like to convert the property from personal property to real property IE : attach the home and land together. This will allow us to file a Homestead exemption and save money on taxes as well as open the opportunity to sell the home and land down the road should we choose to do so. Unfortunately, 21st Mortgage is refusing to assist us in any way- the refinance would cost us money that we simply do not have at this point and without the conversion from personal property to real property, we are continuing to pay more in real estate taxes. 

21st Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX  XXXX started Threatening to do a civil suit against me for a debt from XX/XX/XXXX, the original amount was about XXXX , saying I will be sued for XXXX $ Plus attorney fees. If I pay today I will only pay XXXX XXXX Saying I will be sent to court. I explained that I dont remember this card and was willing to pay original amount but was told that is not an option. I need to say yes or no to the amount they offer or I will be going to court and be sued by JCpennys. Was told I fell off collections but the reserve the right to sue me for the money. Never remember these fee. Called JCpennys and talk to collection/account services department and was told this account was paid off and closed. Doesn't show that was sent to outside collections. I never had it on XXXX XXXX  or XXXX. And this agency had all my 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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
Complete scam robo calls never stop from all over the US. Never did business with these scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Hello. I received a notice of collection on my credit that seems to be filed on XX/XX/21 from a collection agency for XXXX XXXX. 

I do not recognize this agency, have not received any communication from them. 

We have been using XXXX XXXX for over 2 years with same account and have no issues, no account problems and are still using them. 

This dept seems either fraud or contains an error. 

Hopefully there is not some sort of identity fraud happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been trying to close the escrow account that was opened by Fifth third bank as I am not required to have escrow. I am currently paying ( in advance ) my own taxes and insurance Fifth third bank is requiring me to maintain a cushion which is not a requirement of my mortgage agreement, they're also falsely reporting my payments as late and not applying my mortgage payments to the account my loan agreement allows me to pay my own taxes and insurance which I am currently doing, they're in violation of the loan terms and agreement

Company response to consumer: Closed with explanation