vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.

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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XX/XX/2018 I ended my contract with XXXX after 5 years, I canceled it on the contract end date according to the representative. I canceled it and went into a XXXX store and worked with a customer service representative for XXXX who Took my phones and equipment on the account, I paid for one phone I wanted to keep for our daughter. I paid the account in full at the store with a check ran as a direct ACH debit at the register. The account was then canceled and I left. Only to later receive a bill for {$190.00} from XXXX. Which has now been sent to collections and reported to the credit bureau negatively and inaccurately by Convergent Outsourcing INC . I have sent proof to both companies, this account was paid in full on the cancelation date. 
This account was paid in full and canceled at the XXXX store with a representative who said it was now closed and no further charges would be assessed. I also called customer service to verify this and was told it was closed and PAID IN FULL. Theres not much more you can do to close an account and avoid further charges. This is unfair, and inaccurate and causing my score to drop severely with XXXX. I have disputed this with the credit bureaus with proof of payment in full on the memo of the check paid as an ACH at the register at the store, so I had proof of payment. I do not owe this debt to XXXX which sold it to C.O.I. who is also repeatedly violating My FDCRA by changing the assigned date of this account. It is only being reported to XXXX  now.

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 2021-07-20 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: CA

Complaint narrative:
I have 3 loans with XXXX, all of them have been on AUTOPAY. In the middle of the covid pandemic I got notice that my credit has been affected. I contacted XXXX to fix it and they said they would and to file a report online and with the agency. BUT NO ONE fixed it. Then they sent me a letter that I am in good standing for the past 24 months, but they sent it for the wrong loan number! Now my credit is ruined due to them, they wont fix it they are such a mess and unorganized. I have been on autopay and they are stating they couldnt deduct money from my account even tho they did deduct it for the other two loans!

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 2021-07-20 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Review dispute documents and remove the information from my credit report. The accounts is in direct violation of my HIPPA RIGHTS BY LAW FOR THE ACCOUNTS XXXX XXXX XXXX  and XXXX XXXX, on my credit report. I have not received a reply from the BUREAUs and it has been 30 days and I have not had any acknowledgment that an investigation has begun. I also sent a 30 day comply letter as well. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. Since this is my second written request, I will also be sending a copy of the letters I sent out on my behalf to the Federal Trade Commission notifying them that I have signed receipts for letters sent them and they have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I called my mortgage servicer, Loancare, to pay my monthly mortgage payment. I was advised that the payment increased from {$740.00}, that was paid post-forbearance and loan modification in XX/XX/2021 and XX/XX/2021, to a current payment amount of {$1000.00}. I was given no written or verbal notification of this increase in payment. Between XX/XX/2021 and XX/XX/2021, I made 10 calls to Loancare in attempt to get an explanation for the payment increase. I was told by three different representatives that I owe three different monthly amounts. The rationale varied from an escrow shortage, HUD tax lien, being on a trial payment amount and finally a large increase in my local school taxes. Any attempt to speak with a Manager resulted in either a disconnected call or two hour wait with no one answering or no return call.

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 2021-07-20 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: FL

Complaint narrative:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

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 2021-07-20 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: FL

Complaint narrative:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Source Receivables Management LLC
State: FL

Complaint narrative:
1. XXXX XXXX XXXX, Account # XXXX, Amt $ XXXX-XXXX  out in Texas and I never was in Texas and I live in Florida. They also are harassing me 2. XXXX XXXX-Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
on XX/XX/XXXX, I made an online purchase of a trash can for {$57.00} from an online marketplace called XXXX that showed up in XXXX XXXX shopping search results. Because I hadn't heard of them before, I used PayPal because they offer buyer 's protection against online purchases. A week or so went by and I had yet to receive a shipping confirmation and so I emailed the seller and upon receiving no response, I opened up a complaint with PayPal and invoked their buyer 's protection guarantee. PayPal reached out to the seller who immediately sent them a XXXX tracking number of an item delivered that day in my town of XXXX, Massachusetts just minutes before the email was sent. I checked into the tracking number and called up XXXX and got an agent on the phone who told me that, yes, it was a valid tracking number but it had a different name and street address than the one I live at and the item was supposed to be sent to.

Because the seller had sent them a " valid '' shipping number, PayPal immediately closed the case and declined to honor their promise and there is no avenue to escalate the dispute or reopen any closed cases. They only say that there was a delivery to that town when confirming the address of where the package was shipped to is the easiest thing to verify. There is no avenue to recover my funds through the bank because PayPal requires you to attach your bank account number instead of a debit card and so I can't do a chargeback for the fraud. 

So here I am. It seems like the scammers have found a loophole where they can charge as much as they want through ebay and then if they get called out on it, they flash ship something to an address in that town and PayPal can then declare the package delivered and the case closed and the scammers get to keep their money and PayPal doesn't have to honor their promise of allowing consumers to shop safely on the internet using their platform. The scammers get to steal consumers ' money, PayPal get their cut and the only loser is the consumer. This seems like exactly the sort of thing this agency was created to combat so I'm hoping that you'll look into this even if I can't recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 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:
FCRA VIOLATION BK OF MISSOURI/TOTAL CARD Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$420.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Repossession. {$12000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
Status update in XX/XX/2021 on my Equifax report for a credit that has not name and address. I have no way to verify the information or contact the credit because no contact information is listed. I did reach out to Equifax before and aske them to remove this off my credit report but they just keep updating the date without updating creditor information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Bank of America closed two of my credit card accounts in good standing without consultation or prior notification. I have never been late on a payment or carried a balance. One of the cards was subject to an annual fee as well, which I paid around XX/XX/2021 ( 4 months ago ). Bank of America refused to reopen my accounts, which negatively impacts my credit. Moreover, after calling, Bank of America refused to refund my annual fee despite the fact that fee was meant for a whole year.

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 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
My debt dates back to 2002. I was given the credit card through XXXX XXXX, then they decided to close my account with no explanation. I was not working and my boyfriend has gotten deported, my baby was hospitalized, and they did not want to work payments with me. I now have XXXX children, a single mother, on public assistance. The last time I worked they tried to do wage garnishment, they seized money from my XXXX XXXX account, Im afraid to leave money in the bank. This debt is very old, and is stressing me out. The balance has more than doubled and is outrages and unfair, and they have threstened to seize property i dont have because I am on XXXX XXXX XXXX, and they served me court papers throughout the past years harassing me. i cant even work because they want to garnish my wages and i have children to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: IN

Complaint narrative:
I am a consumer of the XXXX XXXX and Orions Management Group LLC is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to OMG LLC to contact me at any given time or place as well as never giving them any of my information. The fact that OMG LLC has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm Orions Management Group LLC has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a call from XXXX left a message regarding a complaint forwarded to there office and pending actions against me failure to contact will result in a final decision without my consent. Phone number to contact is XXXX ref # XXXX When I called not knowing it was a debt collector the person stated that it was for an old account that has reached it's statute of limitation but that I could be sued to collect such debt. They gave me my SSN and my address in XXXX, CO the debt collector is in CA. They stated that I opened a bank account with Bank of America on XX/XX/XXXX - XX/XX/XXXX and owed Bank of America money. I informed them that lived in XXXX, CO and during the dates mentioned Bank of America did not have any local branches. Furthermore, I have never had a Bank of American account nor did I owe any money to this entity. They proceeded to inform me that since I did not acknowledge the debt I would be sued. I would soon be served with a court summons. I attempted to locate the name of the debt collector in the CA secretary of state but I could not. I called the debt collector and they gave me an entity number. listed as XXXX XXXX XXXX WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX  - XXXX 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 explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I paid my Citibank card off and it posted one day late ... i got a {$39.00} charge and interest started accruing on that {$39.00}. This should not be allowed ... earning interest on fees is just double dipping ... making fat cats richer. Well ... i paid my $ XXXX dollars this month and the due date is on a saturday so it didnt post until the next week ... which again resulted in another {$39.00} fee and then a minimum interest charge of {$2.00} because interest on {$39.00} is well less than {$2.00}. So basically i have paid nearly $ XXXX in fees and interest in fees. My problem is not the late fee but the interest on it ... and then charging another fee on a fee ... which happened this month. I work in the computer industry and they can absolutely program to not earn interest on fees or add a fee on a fee ... this is how consumers get into trouble when these companies charge fee after fee after fee on fees. I paid it ... but this should not be allowed. This bank would not even be in business if it werent for the taxpayers of this country and we need to be treated with more respect. Sure they need to pay their bills too ... but fees on fees is unscrupulous.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have submitted documents for a loan modification but Bank of America keepers requesting the same items and does not provide updates. I am going to lose my house but Bank of America is not helping 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 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
I purchased a vehicle form XXXX XXXXXXXX XXXX in XXXX Kansas, which was a disaster I received a call from the bank regarding the loan and to let me know that the dealership had put extra features in the cars description that the car didnt have, I reached out to the dealership and had no answer and I also reached out to the bank Im in the XXXX currently stationed at XXXX XXXX serving the XXXX Brigade support battalion about to deploy overseas and I need this matter taken care of and besides I took legal advice from XXXX XXXX XXXX XXXX and was to learn that the contract of the vehicle is in violation with the military lending act I just want my down payment back and get rid of the vehicle its been more than two months that I have the vehicle my temporary tags expired and I cant register the car because I havnt received the title or gotten any answer from the dealership I pelase Need help

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 2021-07-20 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: PA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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