vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is not a duplicate I have a fraud issue with synchrony Bank I had to open this is not a duplicate complaint. Synchrony Bank alleges that they cant speak to me in regards to my sams club credit line as I am a guest user. False! I am the original credit card opener my wife XXXX was not even there at the time. I even have the paper from sams club application I added my wife to receive a card thats it. XXXX never signed her name excepting them running her credit. This company is fraudulent when I tried to call the number to discuss with them its a dead line. They discriminated against me when lowering my limit from XXXXnto XXXX dollars. Because of my ethnicity how else would they lower it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My direct deposit met the requirements by qualifying as {$500.00} or more. My direct deposit was a cumulative for {$500.00} or more because I get paid sometimes daily sometimes weekly its very random. 

BBVA Bonus {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
ABOUT A YEAR AGO I FILED A COMPLAINT WITH YOUR AGENCY CONCERNING ACTIVATE FINANCIAL SENDING DEBT COLLECTION LETTERS TO MY HOME FOR ANOTHER PERSON WITH THE SAME NAME. AFTER THE COMPLAINT I RECEIVED A LETTER FROM ACTIVATE APPOLOGISING AND PROMISING TO FIX THE PROBLEM. AFTER A COUPLE MONTH THE LETTERS STOPPED, UNTIL NOW. I RECEIVED A LETTER DATED XX/XX/2020 WITH THE SAME DEMAND AS BEFORE. I AM CONCERNED THAT THIS IS AFFECTING MY CREDIT REPORT. I WANT THEM TO STOP PERMANENTLY. I WANT THEM FINED. THERE HAS BEEN NO OTHER XXXX XXXX LIVING AT MY ADDRESS SINCE THE DAY THE HOUSE WAS BUILT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was charges late fees of {$39.00} on my capital one account # XXXX XXXX XXXX XXXX on XX/XX/2020. Upon calling bank, bank reversed charge on XX/XX/XXXX of {$39.00}. 
On XX/XX/2020. I made payment of {$140.00} on Due date Thus total credits and payment of {$170.00}. Minimum amount due was {$170.00}. 

On XXXX XXXX XXXX I was charged again {$39.00} late fees again. I called capital one bank and talked to XXXX, an agent # XXXX requesting to resolve of late fees. She refused to remove late fees. This is not correct as any credits and payments should considered payment of minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
I bought my house XX/XX/2019 and was in a flood zone X another mortgage company bought my house and says Im in a flood zone AE and that I have to get flood insurance I sent them my paperwork saying Im in a X zone and they told me it was under review XX/XX/XXXX I received a letter saying I had 45 days to get insurance from the date of the letter XX/XX/XXXX I recieved another letter saying that they had put forced flood insurance on me in the amount of XXXX that is not 45 days I went and got my own coverage effective XX/XX/XXXX and my insurance company sent over all the paperwork in the mean time my mortgage company took money from my escrow and made it negative Ive sent them all the paperwork to prove they screwed up and my escrow is still negative and now there telling me that my mortgage payment is going up another XXXX dollars and I cant get any answers how is my mortgage going up XXXX dollars?? They screwed up and Im the one getting screwed???!???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Central Holdings, LLC
State: NC

Complaint narrative:
This company called Credit Central keeps calling me. I am not the person or persons they are looking for and I have advised them of that but they keep calling me. I do not know if this company is legitimate or not, but I have never done business with them and want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC # XXXX**** as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. Transunion has XXXX, ACC # XXXX**** as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. Transunion has XXXX  CARD, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. Transunion has XXXX XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. Transunion has XXXX XXXX XXXX, ACC # XXXX****/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX**** High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC XXXX XXXX**** High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!

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 2020-02-20 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: GA

Complaint narrative:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX  as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX  has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX  High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX   High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!

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 2020-02-20 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My car was Totaled on XX/XX/XXXX i had a XX/XX/XXXX XXXX XXXX  and it was under the bank Santander Consumer USA. My XXXX XXXX insurance payed off majority of the car which was about {$9700.00} with a remaining balance of {$5000.00} the rest was supposed to be covered from my gap plan. Since the beginning of my auto loan i had been paying {$540.00} each month which was outrageous but i was never able to come back from that price and bring it down in a refinance. In XX/XX/XXXX i was behind on payments and had to get my payments reduced for a 6 month period down to {$320.00}. At this point i was unaware that this would hurt my gap coverage balance if i ever got into a car accident. Being as that i ended up getting into a car accident my gap coverage is only paying {$1500.00} of the remaining balance because of the extension. I was not aware of this and santander has evidently gotten away with this before with other customers in a settlement in XX/XX/XXXX. Below i will attach all files ( settlement from insurance, gap program information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them 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 2020-02-20 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them 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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: AL

Complaint narrative:
I have tried to contact and dispute this off of my credit. This debt was paid by XXXX XXXX. I have previously made a complaint about this company. In my last complaint the company stated We do not have any account for a XXXX XXXX. Nor do we have any affiliation with the creditor in the attachment provided by Ms  XXXX. I received a letter later from them stating that I did have an account. How does a letter just appear if you dont have an account or affiliation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2019 I had fraudulent charges show up on my hsbc account hsbc notified me of the charges they cancelled my card and sent me a new one but then they transferred the fraudulent charges to the new card I called and notified them of the mistake but they wont remove them and they keep adding fees to fraud charges I have spent hours on the phone with hsbc and recieved many calls from the collection department but there collection department doesnt handle fraud charges so it ends up recurring over and over I have not used my hsbc card since I was notified on the XX/XX/XXXX and I have not used the new card hsbc sent me yet my account is showing 2 cards with a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attempted to obtain a " free '' credit report from TransUnion 's site. Multiple orange-colored buttons are present on the site. I clicked XXXX that - unbeknownst to me - brought me to https : XXXX? XXXX & XXXX % XXXXXXXX XXXX XXXX After filling in the information and providing a credit card number I carefully read the legend on the bottom of the screen looking for a dollar amount - not finding any fee or dollar amount charge I clicked through - only to be signed up for a {$24.00} / month credit monitoring service. I called and requested a refund, which they claim they are " processing '' I apparently clicked the wrong orange button. Highly misleading website. No disclosure of the charge that was incurred.

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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: WA

Complaint narrative:
Orginated from a gas bill from XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) for a rental property. Property manager failed to pay or notify me. When I learned of the situation, I immediately contacted XXXX and the debt collection company. XXXX provided proof of payment for me to send to collection company. I've notified the collection company and tried to dispute via XXXX, but company keeps saying debt not paid. This is adversely impacted my credit score and ability to get a fair interest rate ( recent car purchase, rate was higher to do this ).

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 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX two charges in the amounts of {$31.00} each were fraudulently made to my Bank of America checking account through use of my debit card number. The company was XXXX  that processed those charges. I immediately called BofA and they credited back the two charges and opened investigations. On XX/XX/XXXX, I received a letter from BofA saying that XXXX, their investigative service, had closed the claim and determined that I HAD made the charges. They determined this because the person had my email address and mailing address and those " matched ''. Also, they claim a similar charge was made two years ago that I never called out as fraud - that charge doesn't exist - I've looked. Never mind that the person used a name that wasn't mine and a phone number that isn't mine either. 

As of XX/XX/XXXX, I've now talked to 7 people at BofA Claims, each of whom has promised me different things and given me different information as to what I need to do to re-open the claim. As of today, the bank also took the money out of my account again after promising me that they extended it to look into the matter until XX/XX/XXXX. I was told to fax a letter to re-open the claim, which I did two days ago, along with the paperwork from XXXX. NO ONE at BofA told me to put the claim number and other info on top of every single page. So now their telling me they can't do anything until I do that again. 

I have been with BofA for 30 years and am pulling my money out ASAP. They support fraud against their customers and so is XXXX, the company they use for investigations. I will never do business with Bank of America.

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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I have been trying to contact Convergent outsourcing collection agency for two month total to settle a debt. I have sent them 3 letters, two of a settlement for the debt and another For a verification of the debt. I have also submitted an online contact form ( the only way to email them ) and never gotten a response until yesterday ( XX/XX/2020 ) via phone. I tried contacting them to return the missed phone call and the phone Just rung for the operator. On XX/XX/2020 I finally was able to speak with a representative to pay the debt although I received no verification of my ownership after a written request. I paid to settle the debt on XX/XX/2020 and was told that I could not have a receipt emailed to me. I got no receipt for my payment. I am very displeased with the lack of response from this collection agency and because of that it took two unnecessary months to settle this un verified debt. I have certified mail receipts and copies of all letters that I will gather for further investigation

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