vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
I opened an account with Simple bank in the fall of XXXX. Some time around XX/XX/XXXX my card started to be declined. According to the XXXX statement there is {$290.00} in the account and {$21.00} in an associated savings account. Missing from that total is a {$1000.00} deposit that was withdrawn from my account at XXXX XXXX, and is shown in the Simple mobile phone app as being in process, but has not shown up in the account balance. 

I attempted to resolve the issue with Simple Customer support and was eventually informed that Simple had decided to close my account for undisclosed reasons and that after the account closure was completed I would receive an additional support message in addition to a cashiers check for the remaining balance. They were clear that no further information would be provided to me for the reason for the account closure. 

It has now been close to 60 days since Simple began withholding access to my funds and I have not heard anything from them for nearly 6 weeks. Simple appears to be a front company for BBVA and is in the process of being shut down, I attempted to contact BBVA but after being put on hold for some time I was eventually forwarded to Simple customer service which simply played a recorded message then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I called Toyota Financial and explained in XX/XX/XXXX that I could not pay my monthly payment for a leased vehicle due to I contracted XXXX XXXXI asked for help to prevent them from repossessing the vehicle, and Toyota Financial did nothing to help me.I was going through a financial hardship due to the XXXX. I could not work because I was in quarintine. I made a payment to try to stop the process.Toyota financial said they tried to contact by mail, I never recieved any mail from Toyota Financial, and I called them and there response was that they did not care if it was sent and never made it to my home address.Then XX/XX/XXXX the vehicle was repossessed without my consent .When I woke up the vehicle was gone from my driveway.I thought someone stole the vehicle so I called the local police department, that is when I found out the vehicle was repossessed.I have been battling with the after affects of XXXX which has decreased my income.I spent {$1200.00} that I did not have to spare to retreive the vehicle that was repossessed.I tried 4 times to speak with a Supervisor from Toyota Financial and they have never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have Loan With Capital One Finance. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX, XXXX, XXXX ... XXXX XX/XX/2020 USAA took {$1300.00} from my Checking Account. I had deposited it in XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX XXXX, CA says he does not have a stop payment or a deposit returned to his client, my former boss, XXXX XXXX  If this is true where did my Money go? USAA has not told me where the money went jut that it i gone which was my initial complaint of not providing my electronic deposit with FDIC protection. Where did my {$1300.00} go? To XXXX XXXX maybe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have Loan XXXX XXXX XXXX XXXX. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/2016 Midland Funding added a derogatory mark for {$810.00} on my XXXX, XXXX, XXXX  credit reports. Upon further research, this account was trasferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there were NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA ( MIDLAND FUNDING LLC ) Has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have sent many letters to Lexis Nexis and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from Lexis Nexis on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXXXXXX XXXX XXXX both are reporting different information that what is on the Lexis Nexis report where they continue to say they are verifying it and clearly but the reports all of them have different informationXXXX XXXX  deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to Lexis Nexis asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on Lexis Nexis, XXXX, XXXX ( which deleted it ) and XXXX. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from Lexis Nexis. Still no response from XXXX  or XXXX about investigation and where it comes from only that it is verify by Lexis Nexis and still all 3 have different information being reported. I have sent yet again the form filled out again to Lexis Nexis along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting an updated report on my credit file and dispute results from my recent dispute ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
ARCADIA RECOVERY BUREA has 3 accounts reporting to my credit report, i do not owe this debt ... my insurance said they covered this..i have tried to contact the credit bureaus as well as Arcadia at least 5 times for validation/verification of this debt ... i have received no such proof of debt ... ..

these accounts have all been re aged as well, i have attached copies of their report, please see ... .i need these people to delete these accounts now as it is not reporting 100 % accurately as required by law ... my next steps is to contact the state attorney general as well as a consumer attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
Transunion should not be reporting the XXXX partial account number ****XXXX on two separate line items. ( Please see pages attached from my credit report. ) This account is also reporting an incorrect balance on each line item. This reporting of duplicate accounts with an incorrect balance is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2021-03-08 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX informing me I owed a debt {$600.00} to XXXX. The same day I sent a written request via their website for proof of debt. I additionally called them. I finally received the " proof '' via email on XX/XX/XXXX from XXXX XXXX. In the email was one attached document showing my receipt from XXXX showing I paid. I called the next day to ask how this showed I owed money when I believed it showed I paid XXXX. After being on the phone for a while they disconnected the call. I followed up with an email to XXXX, but have not heard back. Now this debt collection is reporting to my credit score and negatively impacting me for a debt I do not believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: IL

Complaint narrative:
I am requesting an updated report on my credit file and dispute results from my recent dispute ...

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 2021-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting an updated report on my credit file and dispute results from my recent dispute ...

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Sent in amount that I was told would pay off my bank of america credit card but still getting bills ( see full description in attached documents ).

Also : 1.Wait times on phone are way too long.

2.I was switched from paper to paperless billing without me being aware of it.

3.e-mail " paperless settings confirmation '' is not adequate for the customer who is unaware that they have been switched to paperless billing.

4.Bank of America is unwilling or unable to show me how I got switched to paperless billing so that in the future I could avoid that trap.

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
THE ACCOUNT WAS CHARGED OFF I PAID THE ACCOUNT BACK IN XXXX TO XXXX THE COLLECTION COMPANY. IT HAS BEEN ALMOST 4 MONTHS AND THE INFORMATION HASNT BEEN UPDATED TO PAID ON MY CREDIT REPORT. I HAVE SENT IN SEVERAL DISPUTES AND EVEN CONTACTED THE COMPANY NOTHING WAS UPDATED. i AM IN THE PROCESS OF BUYING A HOME AND CLEARING UP NEGATIVE INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
this information has been previously disputed and i have not had any resolve to the following inaccaurtae and illegal accounts being reported to my profile. These accounts can not be legally verified by a natural person, and so must be deleted or face civil liability by rights of 15 usc 1692k in the amount of XXXX for each violation that is found. Delete these accounts, and advise the three credit bureaus XXXX XXXX, and XXXX, that they are also in violation by reporting this information, and can also be found liable, the same as the third party debt collector. This is false and deceptive information, as I am The Original Creditor. Removes these accounts. 

XXXX AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$30.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$28.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$120.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$920.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$940.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX The following information is also inaccurate and needs to be deleted in order for me to receive proper and accurate information/response being sent to me or information that is possibly being reviewed. 


XXXX inaccurate information ****** XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED o XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX *******XXXX inaccurate information ****** XXXX XXXX XXXX XXXX P XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD 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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/2020 I received funds from the State of Arizona for my unemployment claim that was sent to my fiancs Bank of America checking account. My fianc had my power of attorney and went to the bank to add me to her account and was told that she could not do that. Due to the funds being sent in my name and not being on her account they closed her account causes her funds from SBA to be held ( which she has now received ) but along with my funds of {$9400.00} and they closed the account without releasing the funds. We have contacted Bank of America and they give us the run around regarding releasing the funds and to contact the State of Arizona, but when I contacted the State they said that the funds were submitted and that I would need to contact 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 explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also TransUnion & XXXX both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, TransUnion, XXXX ( which deleted it ) and XXXX. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from XXXX or Transunion about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to 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