vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS CCA is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Having a problem trying to link my banking account to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank Delaware ( Barclays ) in concert with XXXX Mastercard and XXXX  XXXX  are in violation of committing unfair or deceptive acts in violation of FDCPA, 15 USC 1692 a-l, the FCRA, Barclays - Your Cardholder Agreement with Us, Investment Company act of 1940, Public Law 73-10 as well violations of 15 USC 1 Restraint of Trade, Insurance Fraud, and XXXX. Barclays issued Payment Coupons that were tendered as payment that were not honored and refused to accept Federal Reserve notes for payment. 

I contacted Barclays several times to make payment and they refused saying they only took XXXX dollars. XXXX XXXX told me I was unable to receive XXXX dollars from my account and they would only give me Federal Reserve Notes. Barclays also refused to take their payment coupon attached to the monthly statement as payment. I made several attempts to pay with the payment coupon as well as with Federal Reserve Notes and those tendered payments were refused. In UCC 3-603 ( b ) If tender is made and refused then there is discharge. 

Since Barclays refused to accept Federal Reserve notes which are legal tender for all debts public and private, there can not be a debt associated with this Account.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im having an extremely tough time reaching someone in the claims department. Ive called every single day for the past 10 days to no avail including today. Each time Ive stayed on hold at lease an hour and no one ever comes to the line. Finally today I thought someone was coming to the line after holding and hour and 10 minutes but instead it was a message saying sorry we cant take your call. Ive asked for a supervisor several times and is just told they will put me in the que for a call back. This never happens. I purchased a projector and screen from a XXXX ad I saw. As soon as I clicked purchase and was charged {$170.00} I received a confirmation email from a totally different company from the one I ordered from. When I saw the email I immediately started searching for that company and found no info. I emailed them back 4 times asking for a refund and Im not getting any response. They dont hve any phone number listed. They sent me a tracking number around 10 days ago and to this day it says that number is not valid. I just want my money back. Since I cant get through to that company Ive been trying to dispute with Bank of America prepaid card from XXXX. I cant get them to answer. Every representative including today someone name XXXX said there is nothing I can do but talk to claims. Its insane that I cant even get someone on the phone in almost two weeks. We are going through a pandemic and many of us count every penny and I have been scammed out of my money and cant even get a bank rep on the phone. I thought this money was federally insured. Im distraught at this point and dont know what to do.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Months ago before the Covid-19, I planned to purchase a basketball hoop at Dick 's Sporting Goods. They had a 12 month financing promotion with the Dicks XXXX XXXX Mastercard with in-store purchases. Then the stores closed due to the Covid-19, so I called Dicks customer service to see if I can still avail the 12 month financing if I bought online since stores are now closed, I was told that I would be able to. I was instructed to call customer service back once I purchase online, which I did and was told that its confirmed that I'll have the 12 month financing. Fast forward, I see on my bill that Im charged interest. I called Dicks Customer service who told me to call Synchrony Bank since theyre in charge of the finance. Synchrony told me I have to take it on Dicks since its their promotional offer. I called Dicks and they said they will apply to get it waived. After almost a week I called them again because I still see the interest charge. They said they will escalate it and I'll be receiving a call/email. Its been days, Ive heard nothing, my bill still has the interest charge. Its very frustrating being tossed back and forth like this, nobody seems to know and are not being helpful. I wanted to make sure I get the 12 month financing before applying for this card because its a big purchase. I hope someone help me with this because its completely not fair.

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 2020-06-12 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} US DEP ED XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
They are claiming that they mailed me a letter saying they were going to repossess my car. I never received a letter. They also say that I told them to put my number on the do not call list which is not true but that was their excuse for why they didn't call me once leave me a single voicemail. It is the middle of a pandemic I suffer from XXXX XXXX my medication was in that car all the masks that I need was in that car I can't even walk to the grocery store right now because I don't have a mask how is it that during a pandemic they have the right to take my car without calling me once like I said don't claim they mailed it to me but that does not prove that the letter ever got to my mailbox that is a fact They repossessed my car without even notifying me once here 's the kicker I'm now paying {$500.00} to get it back plus paying the loan off because not having money was not an issue I only Mr. XXXX it because I thought I made one apparently I didn't so they didn't even notify me I had money the entire time the loan is now paid off in full I am waiting for them to release it and do all the nonsense involved with getting my car back but I would like to take civil action against this company and recover the {$500.00} that they are trying to charge me after taking my car without notifying me. Wilshire consumer credit is corrupt. Unprofessional and since they didnt notify Me that means they did not repossess my car they actually stole it!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have recently checked my credit report with XXXX XXXX, and XXXX  and discovered that BMW Financial Services reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by BMW 's wrong reporting. I never had a single 30 days late payment on my BMW account since I leased my car. I've tried to resolve this issue many times in the last 8 months but BMW Financial Services does not act accordingly. I called BMW Financial Services and talked to different representatives who have verified that my account has never been late for 30 days. I've officially asked from BMW Financial Services to provide me with any kind of letter stating that I was never late on this account for the  months of XXXX, XXXX, and XXXX of 2019. I also asked to report that information to the credit bureau agencies : XXXX XXXX, and XXXX. But BMW Financial Services refused to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Over the past several months, a company identifying itself as Harris & Harris, of XXXX, IL, has been calling me repeatedly, sometimes twice a day, leaving messages indicating I need to call them about a debt. I have called them back on at least 5 occasions to determine the nature of the calls, and they always say they have no record of my number, or my name, and they will immediately remove me from any further action by them. The very next day, or sometimes that same day, I'll get another call with the same message on my voicemail. This is harassment, and i have requested they cease calling me, but they have not acted on my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am in the process of trying to buy my first home. Huntington has made multiple mistakes that would have cost me an additional {$12000.00}, had I not read the disclsoures accurately. 

My initial pre-approval letter was completed at the beginning of XXXX for a 3 % down payment. I made an offer on a home shortly thereafter and all documents were sent to the bank, including the purchase order. They then proceeded to offer me a loan disclosure with a different down payment of 5 % and I was told this was because of my income level, which I was never advised of from the beginning. I provided my income level at the beginning, too. Shortly after, someone at Huntington read my purchase agreement incorrectly and assumed that the remainder of my down payment was actually earnest money and that it was already paid. That was then credited to closing costs causing the initial cash to close amount to go from {$12000.00} to {$19000.00}. Had I not done my due diligence, I would not have uncovered this. This was after weeks of trying to get a response. I was then laughed at via email when I said I was getting upset with the process. He responded with " lol, '' which was very unprofessional. Fast forward to XX/XX/XXXX, and I spoke with a manager and he assured me that the process would be smoother going forward. 

However, since then, I have uploaded all financial documents requested along with additional details and have continually asked the status of the closing and I still can not get in contact with anyone who has answers. I also was required to provide an original copy of the 4506-T form by mail, rather than signed electronically. I was told that the IRS does not accept electronic copies, but I found out directly from the IRS that they do, in fact, accept electronic copies signed via XXXX. 

Additionally, I was told the form would be XXXX  overnight. 2 days later, I received it. I forwarded it back that very day within an hour of receiving it. That was at the end of XXXX. It is now XX/XX/XXXX and I am weeks away from closing with no update from anyone. I have been treated very poorly during a global pandemic and am upset and unsure if I can even trust the process and loan process with Huntington at this point. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.

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 2020-06-12 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: NY

Complaint narrative:
XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The account reported a late payment for XXXX  of XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 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: DISCOVER BANK
State: UT

Complaint narrative:
I opened a Secured Credit card with Discover Card with a {$1000.00} security deposit on approximately XX/XX/XXXX On approximately XX/XX/XXXX, I called Discover to close my Secured Credit Card Account and requested the return of my security deposit. I was read the disclosures for account closure which I accepted. Then I discarded my card as I believed the account was closed. 

On XX/XX/XXXX, I received an email and text notification of possible fraud detection on the account and to contact customer support. Speaking with the agent, I was informed my account was not closed by the previous Supervisor I spoke with and there have been charges on the account. I opened a fraud investigation and then my account was finally closed. 

I am now in the process of waiting to receive the security deposit refund which the terms of the Cardmember Agreement state, You should receive your deposit refund within two billing cycles plus 10 days. 

Since I closed the account on approximately XX/XX/XXXX, the billing cycle closes XX/XX/XXXX and the next would be XX/XX/XXXX. In theory, I should have received the refund on or around the 1st week of XXXX. Discover is now stating that since their system shows the account is closed in XXXX, the earliest I will receive the refund is XXXX. 

I simply want to hold Discover to their own Cardmember Agreement. I find it unfair that they can pick whichever date they want despite the fact I closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a certified letter proving thaXXXX XXXX XXXX  account should be deleted from my credit report Experian has yet to delete this from my report I am going to get a lawyer to help me Sue XXXX XXXX  and Experian if you do not remove this from my credit report this information from XXXX XXXX is incorrect I want this deleted from my credit report immediately I have sent you the proof will and close the proof I have talked to XXXX XXXX XXXX and there will be a lawsuit if this is not delete it from my credit report. XXXX   has deleted this from my credit report if Experian doesn't delete I will have to sue Experian

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 2020-06-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report 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