vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  to purchase a vehicle ( XXXX XXXX XXXX XXXX ) I found in an online ad. Upon arrival XXXX test drove the vehicle and decided to buy it. I sat down with the sales person, XXXX, and we agreed to the terms of 8.38 % APR with a down payment totaling {$2600.00} in the form of a trade-in ( my XXXX XXXX XXXX ) for a total purchase price of {$31000.00} for 72 months at {$390.00} per month. We signed the paperwork and I was told that I would get my first bill on XX/XX/XXXX. We then closed the deal and I took the car home. Over the next month I was expecting to receive correspondence from Capital One but it never came. I waited another few weeks, on or around XX/XX/XXXX, and then I called Capital One to inquire about the lack of correspondence. At this point it is Around XX/XX/XXXX and I was told by Capital One that there was no record and that I would need to wait til the paperwork came through. Then, a few days later I received a call from XXXX XXXX XXXX saying the deal was not approved by Capital One and that I needed to bring the car back. I went back to the dealership on XX/XX/XXXX and XXXX, the salesman, explained that Capital One was at fault and that they did not approve the deal. So while I was at the dealership I decided to call the Capital One myself to find out why. The Capital One representative said that Used Imports Auto never submitted the paperwork and that Used Imports Auto was at fault. They then explained that my only option was to go through the credit approval process again. The two companies were essentially putting the blame on one another with no clear explanation at to what happened. I was essentially forced to make the decision to either return the vehicle to XXXX XXXXXXXX XXXX or go through the credit application process again for new terms. Because I did not fully understand the ramifications of doing so, I obliged. I subsequently received new financing terms consisting of a 12.63 % APR, with a down payment of {$2300.00} in the form of cash for a purchase total of {$33000.00} for 72 months at {$430.00} per month and the previous trade-in was nullified. I considered my options, which were very limited at this point seeing as my credit score had dropped significantly after they ran my credit the first time I applied ( it dropped due to the number of inquiries ). Additionally, I had already been driving the vehicle for a month and a half so I felt like it was already my own. I reluctantly signed to the new terms, and later tried to figure out later on what really happened to the previous deal. To this day I have not received any answers, but my mother convinced me to submit a complaint and I also plan to file a lawsuit. My credit has suffered a great deal from this exchange and I feel I deserve answers and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
The data that you showed in my credit report I previously requested a proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
The information that you indicated in my credit report I already demanded a proof of how you dealt with this. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX - XX/XX/2016 - This Credit File does not belong to me

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 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX - XX/XX/2016 - This Credit File does not belong to me

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 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX  - XX/XX/2016 - This Credit File does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have advised XXXX on several occasions that this account is in dispute and I would like an arbitration form. They have refused to answer me, now I am being negatively reported by this company for the debt. This company has never once sent me a letter telling me they had the debt so I could dispute and advise them that I am disputing this entire debt with XXXX This is unfair, I have not had the opportunity to dispute this and this is negatively effecting me through their sneaky reporting.

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 2021-02-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never 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 explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never 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 explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
The bank is refusing to allow me access to my own account. Customer service has essentially stolen more than {$5000.00} from me at this time. The money has been in my account for several days and I can not withdraw it from the atm machine, there was a block to my account. Then when I tried to cash a check, the check is being denied, they will not cash it. When I called the bank they argued with me about what college I attended and told me that if I didn't give them the correct information that they would not allow me access to my account. Customer service made me repeat the spelling of my name, my birthdate, and the school information more than 10 or 15 times and they left me on hold. They stole my money. The also blocked the card so I can't make a withdrawal by XXXX XXXX. I have no access to my own money from the bank which services loan disbursements. This is not the first time they have done this. They have absolutely no sense of that they might have done something wrong, there isn't a remote sense that they perhaps should allow the customer access to their own account. They have now frozen the entire account and are asking for a passcode which I do not have, I asked them to mail me another passcode, the refused to do so. They are excessively abusive and have stolen {$5000.00}

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 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting 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 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX  - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and on XX/XX/2021 I sent a dispute to the credit reporting agencies regarding this medical collection account listed on my credit report. I also reached out to the collection agency to request information that provides proof that this medical bill belongs to me. The collection agency CR COLL/USA for XXXX XXXX XXXX, MD. The account # XXXX. They said they sent validation but NEVER did. I was told that they will never take this medical bill off my credit report even if it was paid. I NEVER seen documentation because they refuse to send me validation information. I didn't sign any medical release form and I have ask to have this debt removed off my credit 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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I previously requested evidence of how you managed the data that you demonstrated in my credit report. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NY

Complaint narrative:
Capital # XXXX The merchant showed a transaction signed by my nephew ( secondary card holder ) I am not doubting this. I paid graduation ceremonies for {$210.00}. This was to be held on XX/XX/2021 but cancelled due to COVID till XX/XX/2021. My nephew 's XXXX  expired on XX/XX/2021 and had to return home to XXXX. Thus, I am asking chargeback for services NOT rendered. 
Breakdon of fee is as follows : Cap and gown rental XXXX XXXX XXXX Cap and gown refundable XXXX Ceremony photographer XXXX Graduation Activity Fees XXXX Gradusation Fees XXXX Total XXXX XXXX {$210.00} ) My concern is why should I pay for ceremonies and cap and gown when cancelled. 
I returned cap and gown and promised refundable part XXXX XXXX XXXX XXXX to my nephews bank account which was closed due to his return to XXXX All charges are related to graduation ceremony and auxiliary activities ( venue, photographer ) After 2 letters to Capital and two tries to request written response from Finance Dept without response, I hope my case is clear to continue with dispute Assumption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
my late partner opened up a discover card under my name and social security number ran up a XXXX debt, which i had no idea, and now i am being sued for that debt. i should not have to pay this. as it was my partner who died in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own 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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed a complaint XXXX with CFPB. XXXX XXXX called on XX/XX/2021 at XXXX and left a message for me to call him. I returned Mr. XXXX call on XX/XX/2021 at XXXX XXXX XXXX am and again at XXXXXXXX XXXX Arizona time and left a message all three times recording the last two. I never received a call back. I tried again on XX/XX/2021 at XXXXXXXX XXXX Arizona time and left another message recording this as well. I received a strange call back from Mr. XXXX on XX/XX/2021 at XXXX XXXX Arizona time. Mr. XXXX asked if this was a XXXX XXXX. I replied that I am XXXX XXXX and expected his call. Mr. XXXX replied he must have the wrong number and hung up. 
On XXXX XXXX I received a letter stating Bank of America had received my complaint and I had until XX/XX/2021 ( two days prior to receiving the letter ) to contact Mr. XXXX. I believe this is an attempt to discredit my original complaint so I am filing another.I do not believe Bank of America has nor will take this complaint seriously and ask for other remedies from the CFPB. 
Thank you, 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 monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: TX

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was notified by form letter via USPS by XXXX XXXX County Treasurer on XX/XX/XXXX that my property tax payment had not been received for a payment due in XX/XX/XXXX. 
I had mailed the check in person from the Post Office on XX/XX/XXXX. 
The check cleared my account at Bank of America on XX/XX/XXXX. But when I requested a copy of the check and examined it, I realized the Payee 's name had been altered and the check in the amount of {$13.00}, XXXX was cashed fraudulently. I assume the check was stolen en route between the Post Office and the Treasurer 's Office. I immediately notified Bank of America and filed a police report with City of XXXX XXXX where I am a homeowner. 
According to the bank manager I spoke with at my branch, the check was cashed by the bank with no identification. My report and request to Bank of America was denied due to the fact that I reported the theft after their 60 day limit. Because the check was cashed for the amount I wrote it for and there was no other fraud and I was not notified by the County Treasurer until XXXX, due to national Covid emergency, Bank of America refused to reimburse me for any stolen monies through no fault of my own.

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX I received an alert via Experian that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. 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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation