vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
This started after hurricane XXXX. My insurance company evaluated the damages and sent the payment to me. I sent the check to my mortgage company to have them endorse it when possible after all paperwork was due. We needed their endorsement and sent the check in XXXX. Since then, my house has been in shambles and my contractor stopped working bc I have not received the money from the mortgage company. I have submitted every last piece of paperwork and was needed and some. Yet, whenever I call them, I get to put on hold or I am told that this isn't their problem. I was recently on the phone with them and was told that they could " do me a favor and send me 4000 '' instead of sending me my actual amount. I was shocked and disgusted after hearing this and am in a mess at the moment because they are not cooperating and I have no other means of getting in touch with them. Every time I talk to them or call them, they keep refusing to cooperate and keep putting me on hold. I needed an inspection date from them and submitted the request as soon I could, yet they have not called back and it has been XXXX weeks. They owe me around {$24000.00} that I need to repair my house. They have not contacted me and keep troubling me with this. I hope this complaint helps me reach out and help my case.

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in business with a company, over a year ago I stop doing business and the account with the merchant. I realized they were still charging my card. I reached out to capital one and started a dispute they sent me documents to fill out and return which I did. They didn't take any action I asked to have that merchant blocked from accessing the account they not, tried to get the issue resolved with no solution they refused to protect the account. I had to freeze the account on my end so they can get to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 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: CA

Complaint narrative:
XXXX has reported late payments on my account for incorrect months in the past. They have even listed my date of last payment incorrectly. This account reporting inaccurately is hurting my score with mortgage lenders. 

Also, payment status is incorrect as this account is no longer late.

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 2022-01-25 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
My XXXX XXXX was bplagued with multiple recalls. An unsafe vehicle. There was problems and recalls on the brake system and structure. I paid off the loan even though I was plagued with constant car repairs. The acronym for XXXX. Found on XXXX XXXX XXXX describes all the problems that I with this mini van. After I paid off the car loan, my employment was garnished. I went to court, did an Order to Show Cause and proved that I paid the vehicle off. A few years later, my employment was garnished again. I went to court and proved that I paid off the car loan, that my previous employment was wrongly and unlawfully garnished. The law firm waited7 years, after I shredded the court paperwork and I am being garnished a 3rd time. The balance of the loan was under {$900.00}. I am being garnished for {$31000.00} for a vehicle that I never enjoyed, had multiple recalls and was unsafe to drive. 

I complained that this is credit fraud, identity theft and consumer fraud and theft of my social security. 

I've been sick and I am unable to keep going to court to fight this fraudulent illegal claim that I owe {$31000.00} for a minivan that I should have been reimbursed for purchasing. How can I owe {$31000.00} on a $ XXXX and every few years the law firm takes me to court garnishes my pay and never return the moeny that they have stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trsnsunion reporting closed/, paid accounts. These accounts were authorized to delete Transunion continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.

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 2022-01-25 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: NC

Complaint narrative:
I was not issued a 1099C " cancellation of debt '' tax form for account # XXXX Since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA. I have sent two request via certified mail tracking numbers XXXX and XXXX requesting a 1099c but have not received any response to either.

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 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander has been involved in a class action lawsuit based on consumer records from XXXX loan was started in XXXX and I show no accurate reports of my Loan being reported on my report from the time it was started. Loans that were open between this time should have qualified for a class action lawsuit on predatory lending. I have been hit with a large amount in interest on a loan that should have been paid off this year but instead I have been a victim of predatory lending making it impossible to pay off my car loan. 
Georgia Attorney General XXXX XXXX stated Santander " violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: FL

Complaint narrative:
I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later us bank put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX Bank don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX PayPal permanently limited my account and told me that I had to wait 180 days to withdraw the funds that were in my account, so I did. After I received no email saying that I can withdraw the funds, I gave them a call and they told me that my funds were on hold until further notice due to me trying to receive my unemployment benefits from a state that I had worked in but didnt live in. They also told me that they were waiting to make sure that no charge backs or reversals happen. Well its been a full year that I have been waiting for my funds to be released to me. I am struggling financially and would really love it if I can finally receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a text from a number claiming to be Bank of America. They asked if I had authorized a transaction on XXXX  To press y or n for yes or no. I replied n and a text came up asking if Id like an agent to call me. I said yes. They called and it was a Bank of America phone number. I answered and spoke to an agent who walked me through transferring the money back from XXXX to my account. I was at work and flustered and confused. I asked a number of times who I was speaking with and they even told me to look the number up, which I did on XXXX. It was the Bank of America number. They attempted to transfer {$3500.00}. They were only successful in transferring {$2000.00}. They sent it to some XXXX XXXX  account using my email address but XXXX XXXX could not give me any information. Bank of America opened a claim and ruled that I was in the wrong because I authorized the transition ( part of a scam ). I have not been able to get any of the money back. The next day the same number called me ( XXXX ) to check on me. It was the same caller from the day before. He was trying to get the last money, when I told him I knew he had stolen from me he laughed and hung up.

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 2022-01-25 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: CA

Complaint narrative:
XXXX has reported late payments on my account for incorrect months in the past. They have even listed my date of last payment incorrectly. This account reporting inaccurately is hurting my score with mortgage lenders. 

Also, payment status is incorrect as this account is no longer late.

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 2022-01-25 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: NC

Complaint narrative:
I was not issued a 1099C " cancellation of debt '' tax form for account # XXXX Since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA. I have sent two request via certified mail tracking numbers XXXX and XXXX requesting a 1099c but have not received any response to either.

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 2022-01-25 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: Synovus Bank
State: FL

Complaint narrative:
Evaluate this account : 1STPROGRESSXXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Diversified ADJ has wrongfully inserted derogatory information into my credit profile. 

Derogatory data includes a collection amount of {$890.00}. I have requested a copy of the original contract to be provided to me with my signature. To assist in verifying the claimed debt. The above-mentioned company has failed to provide requested information and continues to report inaccurate information into my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
XXXX reporting closed/, paid accounts. These accounts were authorized to delete XXXX continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I sent in a letter around XXXX and gave this company 30 days to verify this debt they sent me a bill but it did not have anything about verifying the debt, 30 days later I sent them another letter to verify the debt because it had nothing to verify that the debt was actually mine ; and told they had 15 days but they never responded and its been almost three months ; the second letter was sent on XXXX/XXXXXXXX. The debt is in the amount of {$880.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I bought items at Victoria 's Secret for {$31.00} and offered my store credit card for payment. The sales person told me that the store credit card was declined so I gave them my Mastercard which was successfully charged. The charge showed up on my mastercard and I paid the charge. Subsequently, Victoria 's Secret has also placed the charge on my store credit card. I have called and explained to them that I paid via Mastercard on XX/XX/2021. I wrote them an email stating the same. I have given them a copy of my Mastercard statement as proof as well and have the original receipt with the authorization number. They have since added late fees and interest payments and refuse to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: MO

Complaint narrative:
This is a fraudulent account and I want this account removed ASAP from my credit report. This is not mine and it is causing issues in me getting approved for my house. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.

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 2022-01-25 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: FL

Complaint narrative:
Complainant XXXX XXXX XXXX XXXX XXXX. ( XXXX ) hereby files the following Dispute objecting to the inclusion in his personal consumer credit reports the following information that is inaccurate as described below. Despite an investigation by Equifax, XXXX XXXX Bank ( XXXX XXXX ), purportedly " verified '' the disputed information. Some changes were made to XXXX  's personal credit report as a result of the Equifax Dispute, however, XXXX XXXX, despite being advised by XXXX of the inaccurate information continues to report false and inaccurate information. 

XXXX XXXX Bank 's own Online Statement of Account ( SOA ) unequivocally proves that XXXX XXXX did not accurately report to Equifax, or the other CRAs, the information contained in XXXX XXXX 's online SOA. 

This is the disputed information that XXXX XXXX reported to Equifax yesterday, XX/XX/2022. 

1. XXXX  XXXX Bank reports that as of XX/XX/2022, XXXX  has an outstanding balance of {$94.00} when the SOA proves that XXXX  has a balance of ( - {$1.00} ). According to XXXX XXXX 's own information, XXXX XXXX owes money to XXXX, and XXXX XXXX Bank knew this when it reported to the CRAs that XXXX  owed {$94.00} to XXXX XXXX. 

2. From information provided to the CRAs in prior updates, XXXX XXXX never reported that XXXX  was past due. XXXX  makes it a pattern and practice to pay off accounts within 60 days. However, XXXX XXXX falsely reports that XXXX was past due for 30 days in the amount of {$46.00}. 

First, XXXX  never owed XXXX XXXX a debt of {$46.00}, as evidenced by information reported by XXXX Bank to the three national CRAs. Additionally, XXXX XXXX Bank 's Statement of Account proves that XXXX XXXX Bank failed to report that XXXX  made a payment of {$29.00} to XXXX XXXX Bank on XX/XX/2022. In addition, XXXX XXXX Bank never credited XXXX  's account for the payment of {$29.00}. XXXX XXXX also did not report this payment to the three CRAs, including Equifax. 

XXXX XXXX continues to report that this is an open account. However, because of XXXX  XXXX 's pattern and practices, such as those represented herein, when XXXX  made the payment of {$29.00} to XXXX XXXX, he told XXXX XXXX  that he wished to close his account. This telephone conversation was recorded by XXXX XXXX. XXXX  wished to record his conversation with XXXX XXXX, however, XXXX XXXX refused to authorize being recorded -- even though XXXX XXXX acknowledged that it was recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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:
I have disputed the accuracy of the following derogatory information. 
That has been wrongfully inserted in my credit profile. I have requested that all three major Credit Reporting agencies investigate the accuracy of the following wrongful information listed below.

As part of the Credit reporting agencies, I have requested verification of the original contract with my signature. Additionally, have requested the method of verification. As of to date, I have not been provided with requested data. Resulting in ongoing derogatory data in my credit profile.

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