vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Texas and Westlake financial of XXXX ca is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX  XXXX  and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. I am a XXXX person, and a XXXX veteran, and a XXXX person, and this company is committing fraud and preventing a wounded warrior from obtaining housing. This company is committing illegal acts and discriminating against XXXX persons and veterans. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX  AND ILLEGAL ACTIVITY.

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 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, its been past 30 days and I have yet to receive valid response on my dispute. I want to know who verified the debt. By law in 30 days with no response debt should be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA is falsely reporting TWO late payments on my account to XXXX Credit Bureau. There was only ONE late payment in question and already has been disputed numerous times secondary to failure of communication, false assurance and delays in providing a demand letter from BBVA as explained in my previous complaint. But to find out that they are actually reporting TWO past 30 day payments is infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: OK

Complaint narrative:
We sold our business on XX/XX/2020. We waited until XX/XX/2020 to close down our mobile service with XXXX. We called several times to cancel the account and switch services. I went with my existing wifes plan and my parents chose to start their new plan in XX/XX/2020. Now, we are told we owe on monthly services we didnt use due to new accounts and phones XXXX said they didnt receive. {$280.00} for a month unused. The phones were returned and XXXX has the tracking numbers. I called today and they said their mistake, they found 3 of the 5 phones were returned. They still cant track the forth phone. I called the collection agency and they told me I have to call to update their billing. My complaint is with XXXX for sending a bill to a collection agency that they admit was incorrect. My 2nd complaint is with the collection agency that just wants to get paid and ignore that fact that I do NOT owe the amount they are calling and emailing about paying. 
The collection agency is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ext XXXX XXXX acct # XXXX XXXX  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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am unable to get the report from Experian. 

This is the error I get when I perform the steps to get the Experian report : A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

I called Experian, and got a ticket opened. Experian closed the ticket saying they fixed the issue with my social. They said there were two numbers against my account because of typo error. 

Report Number : XXXX Investigation ID : XXXX  When I attempt to get the report, I get the same message.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened a credit card with the purchase of a couch from XXXX. The servicer for the account is Comenity Bank. I have the original credit card agreement which states " Purchases of {$700.00} or more have a promotional period of 12 months deferred interest ''. My purchase was over that amount and I am within the 12 month deferral period. 
On my XXXX statement, Comenity applied interest charges saying that my deferral period had expired. I did not catch the error until I logged on to pay off the balance on XX/XX/21. 
I disputed the charges and was denied the dispute because I did not call in within 70 days. I'm unclear about the dispute period since my statement says 60 days and the denial of the dispute says 70 days. They also can not tell me if it's 60 ( or 70 ) days from the day the statement is cut, the statement due date, or some other date. Regardless, if Comenity violates the credit card agreement, there should not be a time period for dispute. By the way, I contacted them 64 days after the payment was due on the applied charges. When I called in to question the decision to deny my dispute, I was told that XXXX is responsible for 'entering in the promotional period ' and there was no way to further dispute the almost {$500.00} of interest applied to my account. Comenity is saying, although I have the original service agreement that states the promotional period is 12 months that since XXXX incorrectly entered it as 6 months that they can not waive the fees. I have called now 3 times. It was not until I pushed for a supervisor that I was told they DID make an error and that they were waiving the interest on my account. 
As a consumer I expect the credit card company to honor the terms of the credit card agreement. I do not expect to have to call 3 times, file a dispute and escalate to a supervisor for them to honor the agreement. How many consumers are denied fees and interest that are charged in violation of the credit card agreement? 
I have since cancelled the 3 accounts I have that are serviced by Comenity and will not open any accounts serviced by them in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
I paid off my credit card balance with XXXX XXXX in the month of XX/XX/XXXX. I sent an emailed to the XXXX XXXX XXXX XXXX on XX/XX/XXXX indicating that I never, ever would like to conduct business with company and to confirm that my account was closed. I received feedback from XXXX XXXX 's Resolution ManageXXXX name XXXX, confirming account closed per consumer request and data will be updated with all ( 3 ) credit bureaus. 
I was alerted by XXXX XXXX on XX/XX/XXXX. XXXX XXXX has reported inaccurate account status and other information to Trans Union and XXXX. XXXX XXXX only reported the account as Closed only but open as to still owing a balance ... on which I do not owe any balance. I have proof. 

XXXX XXXX needs to correct the account status with all three credit agencies as PAID-ACCOUNT CLOSED. Status information reported to Trans Union and XXXX  is incorrect and needs to be corrected.

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 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have sent bank statements as well as copies of checks to the bank Been trying to resolve issue since XX/XX/2020 Even filled out paperwork they sent me and emailed it to them That was XX/XX/2020 Received a letter saying they received it and nothing else Then again they sent me paperwork to fill out I am working extremely hard on my end to get this fixed yet it seems they are doing nothing except keep threatening foreclosure I have showed through statements and check copies that I am behind one month yet they insist it's three months I need to get this all fixed I have owned this house going on 21 years Been paying outrageous interest of 7.35 Have had many issues with this mortgage company Explained to them I fell behind and caught up then pandemic hit which was a rough 2020 but have been paying consistently for over 6 months now I need this taken care of not ignored.

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 2021-04-12 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: NC

Complaint narrative:
I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.

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 2021-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
NMAC communicated I could buyout my lease upon expiration and provided a buyout amount on XX/XX/XXXX. A check in that amount was issued by my XXXX XXXX and received by XXXX on XX/XX/XXXX, but NMAC refused to cash because of an internal policy change, they claim, was not communicated to customers or the public. As a result, I was forced to revisit the dealership to prevent repossession of my car and buyout my lease for a higher price. 

Details can be found in my " complaint '' attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CreditNinja Lending, LLC
State: MO

Complaint narrative:
I received a call from structure settlement on XX/XX/2021. While talking to the represented he informed me that creditninja had hired them to collect this debut. During the call I was asked what I was able to pay and when formed what I could do, I was told that was not good enough. He stated that creditninja would agree with that offer. He became belligerent when I stood my ground. After that, he threaten legal action if I did not agree to his terms. I then informed him that I would contact creditninja directly and discuss as settlement. I direct called creditninja after hanging up with him. Creditninja informed me that they no longer own the debut and it was sold to structure settlement.

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MN

Complaint narrative:
My account got suspended on the XXXX of XXXX. I reached out the previous day and was told to send very sensitive and personal documents to them so they can prove it is my account and unlock it. Now it is the XXXX and i have called several times to be told different information. 
They told me i am missing my email address and the phone call cuts ( no attempt to contact me back even through email ) then i called again and the support person says i don't need to include my em, ail i am good then a couple of hours still on the XXXX i called and i was told i need to send the email and when i tried getting hold of a manager the call was still cut short. 
I am tired of calling, please can someone help me just get my money out of the bank let me go somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hello, My complaint currently Is against XXXX XXXX American Express card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Applied Data Finance, LLC
State: NC

Complaint narrative:
I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
They refused to collect from the insurance agency. 

Capital Accounts Collection Co. 

XXXX XXXX Original date XX/XX/XXXXNow they updated it to 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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I copied the following email that explains what is going on. I had a business checking and savings account with XXXXXXXX XXXX  a division of BBVA Compass in XXXX, Alabama. They took money from my account and won't give it back and gave me no reason. They also closed their XXXX XXXX in XX/XX/2021 and now I'm afraid I really will never see my money. I contacted XXXX XXXX  today and emailed them. I want a cashier 's check. I just want my money back. It's mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX, Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XXXX XXXX I tried to send money to XXXX XXXX XXXX XXXX XXXX amount of {$48000.00}. The local bank manager, XXXX XXXX XXXX would not release the money to XXXX. I have attached a screenshot of the transaction in this email. 



Account Name : XXXX XXXX XXXX Bank Name : XXXX XXXX  Routing # : Account # : Account type : Checking account XXXX address : XXXX XXXX XXXX, MN XXXX So, I am trying to get my money back. XXXX was told to communicate to me how I can get it back and that is to have my branch send a " hold harmless agreement '' and to get the name and info of someone to speak to directly. 



My bank is called XXXX XXXX It's not a branch where you can walk in and deal in person. It's a virtual bank, thereforefore you must email to get any communication started. 



I am cc'ing XXXX XXXX in this email in hopes to get that process started so, I can get my money back. It's been a long time since I have been trying to get it back. I have new clients that are coming on board. 

I need to finalize this transaction to move forward with them. 

I hope and pray you can help me with this. 



I just want to point out that my name is real. It's on my ID and birth certificate. I've been accused of committing fraud. Some organizations think I'm using a fake name or a business. 

It's a real name, XXXX XXXX XXXX. I have been treated with racism trying to do business and build myself up over the years. Maybe this is part of why XXXX couldn't receive money. I assure you my name is real and if you need a copy of my ID I can supply that. Us Native Americans get treated horribly since assimilation. Some of us like myself are trying to come up out of the pit of poverty that the United States Government put us in. I'm just trying to make an honest living. Noone in my company or affiliated with my company is committing fraud. 



XXXXXXXX XXXX, can you reply to all when you respond to this email please? 



Most respectfully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
COMPANY : Equifax ACTION XXXX complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 

DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 2 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 

DATES : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, My complaint currently Is against Bank Of America card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out 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 2021-04-12 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: STERLING JEWELERS, INC.
State: MO

Complaint narrative:
I have repeatedly time after time have contact kay jewelers stating that I did not own this account and never had account with them. After investigating the account the creditor found that the account did not belong to me. After applying for credit I seen that the account is still being reported to my credit report with derogatory marks. I requesting to get this account removed from my report permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax a certified mail concerning the inaccuracy on my credit report on XXXX and they failed to investigate or provide with any information. it s been over 30 days. Violation under FCRA, since its been over 30 days and they haven t verified any items. Please remove all disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: GA

Complaint narrative:
I do not have any idea why this company is trying to collect money from me. I do not owe them any money nor any of the companies that they collect for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief