vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I have had my car loan with Santander consumer for 5 years. After researching my car loan, i realized that my balance didnt change from XX/XX/XXXX to XX/XX/XXXX. All of my payments were only going to interest. I still owe {$15000.00} on my car loan 5 years later when I only owed {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent numerous dispute letters to Experian regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XX/XX/XXXXhas gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days means these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clear Debt Solutions, LLC
State: FL

Complaint narrative:
I received a call from this number. I answered it and it was a messaged that was someone saying they were XXXX XXXX XXXX XXXX XXXX and they were unable to reach me but if I didnt call back there would be an issue with my account. 
I have no idea who it is. I looked up the information and found that others have had the same type of call from this number. It seems to be a scam or a fraud for information.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company input negative information on my credit report and fails to fix the problem. I have evidence and proof that XXXX XXXX XXXX department sent me that this claim was resolved and this company fails to fix the problem. It is illegal to input negative information on my credit report without me knowing or giving me notice. I need an updated credit report from them and paid for by them letting me know that my report has been fixed and that this is no longer in my credit report on all 3 major credit bureaus XXXX, XXXX  and XXXX. Thanks They have been harassing me with phone calls and fail to fix my credit reports. In order to satisfy my need from this complaint I require a copy from every credit bureau sent to me with tracking letting me know that this issue has been fixed with evidence and proof. Otherwise I can sue this company in state court including attorney fees. All I need to present is the evidence I have and it will be an easy win for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in 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 2020-10-22 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: AL

Complaint narrative:
My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: OH

Complaint narrative:
I got scammed out of around XXXX dollars, I filed a police report and everything so they wouldnt close my account, but they closed it anyways. They said they have protections from issues like this, but didnt offer any help what so ever. I do want this off of my credit report so I can build back up my credit, but I would like to not have to pay this debt because i called them three times in advance to ask their advice and every time they said go ahead. I really want this off my credit report but I would love to not have to pay this, because they are supposed to have protection for scams like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020, I identified a number of fraudulent charges on my account, and immediately notified the Bank of this. I was in the belief that I had successfully submitted a claim for these items. However, the Bank 's agent failed to complete the process. I was therefore forced to initiate the claim a second time. A number of the Bank 's communications were flawed and confusing. Given all this, I have concerns about the timely and fair resolution of my claim. I have attached a letter that goes into much more detail on these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim with bank of America months ago along with a police report. Bank of America sent me a letter on XX/XX/XXXX saying investigators were in my favor and temp credits were now permanent. XX/XX/XXXX - Bank of America debits l {$900.00} from my account and wont provide help or details on reasons why. 

Ive missed XXXX appointments, could not buy medicine needed. Ive received no money in weeks. 

I provided bank of america with a copy of my award letter THEY sent me in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has locked my account several times over the course of this year and I have spent hours with them on the phone confirming my identity. 
In XXXX and XXXX, I made payments from this account that were rejected - and I was not contacted that my account had been put on 'hold '. When I learned this, they assured me my account was re-opened. Again in XXXX, I tried to use my ATM card - and it was rejected so I called and my account was on hold again. I called and spent over an hour waiting for a " fraud specialist '' where the re-confirmed the same prior issue that I had already been told was completed. They assured me this was lifted and I again tried to use my card at an ATM and was rejected. After this, I called to close my account - where I then spent 3 hours on XX/XX/XXXX in the phone circle loop. I finally was able to close my account on XX/XX/XXXX - after spending 4 hours on the phone in constant loops and hang ups. Once I started seriously raising my level of irritation, they finally escalated my call. I was then interrogated about my account and harassed - until finally receiving the agreement to close this checking account and two linked savings accounts. I received two checks from my account. When I logged in to check, Capital One is still holding my money in one account. I have now called several times and been in yet another loop to try and close out the closed account. This is a trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Sears credit card since XXXX. I have always paid on time until I was impacted by Covid 19 in XXXX. I was given a couple of extensions due to Covid 19. After 2 exception periods, I have been harassed by Citi Bank. I called on XX/XX/XXXX before the extension expired to let them know that I am still impacted and they said they were going to document the account. I have been harassed after that even before XXXX XXXX PST. This is causing a lot of stress. Around XX/XX/XXXX I agreed to speak to the Solutions team to see what they could offer me to take care of the account. At that time they offer me a 58 month payment plan for {$550.00}. I told them I would not be able to commit to that amount and I could pay {$350.00} to {$400.00} max as I was asking my son to move back and pay rent. They told me several times that they could only offer the {$500.00} for 58 months and advised me several times to call back after XX/XX/XXXX to see what new programs would be available. Several associates let me to believe there could be a better program that may work with my limited budget. On XX/XX/XXXX I called in and when they reviewed the account they told me they can offer me {$560.00} a month so they are charging me interest for another month and the amount has gone up. This company does not care about my account having a perfect payment record for 30 years. They led me to believe i would have other options and I found out that actually the interest has gone up for another month which I could have avoided if they would have been upfront to tell me that if I did not take that offer the next ones would be higher. I could have made a payment of {$550.00} on XXXX but kept heating to wait until after XX/XX/XXXX for other options. This is very misleading and it feels like Citi Bank does not value a relationship and does not accept responsibility for associates misleading. I asked to at least be put back to what they had offer me and they are refusing to work with me. They have no consideration for people who are impacted by the pandemic and are trying to be responsible ene if you have always been on time and have a 30 year relationship. They are forcing me to get into a worse situation. Please help me I am trying to be responsible and they are not working with me. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 I opened an account with BBVA. I then needed to go to a branch to to do an identity verification. While there the banker made a mistake and opened a credit card in my name that I did not request. This was discovered immediately and the banker assured me the issue would be resolved. It has now been 2 months and the account and the inquiry for it are appearing on my credit report and lowering my credit score.

I have brought this to the attention of BBVA multiple times and to multiple departments. No help is being offered. I have disputed the account on my credit report but can not get it removed through that process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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:
Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : XXXX  Transunion XXXX  XX/XX/XXXX letter : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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