vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I called Toyota Financial Services and paid a principal only payment with a representative and the money was applied to my regular account. When I call back I was told that they could not apply moneys to principal only for a week. I then called back still no transfer of the funds. I was told two day and asked for a supervisor and was told that the supervisor told them to tell me my funds would be allocated in a week. I have been trying to have fund applied correctly for three days XXXX. Toyota has refused to transfer funds and final a supervisor returned my call and still not transfer of funds. Please look into this and see if I can have this corrected sooner than a week so that I can make a regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
Hello BBVA, I called the wire dept today for some assistance on an ACH I initiated via BBVA online, dispute dept stated they work wires and ach. While getting assistance from a woman in wires today, they cold transferred me to frontline customer service, that was not nice. 

The ach was to a linked external account, ending in XXXX for XXXX XXXX The transfer was made on XX/XX/21 iao {$250.00}, my external bank have yet to receive those funds. BBVA have advised that the ach has not bounced back and that there is nothing they can do. I beg to differ, where are my funds, has a trace been done, coaching needs to be given to the wire specialist for transferring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: OR

Complaint narrative:
Last year around XX/XX/2020 Bank of the West closed my account closed my account without notifying me. There were some bank fees that were accrued and the sent that to collections, causing a negative mark on my credit report. They should have done notified me of the account getting closed.

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 2021-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
auto loan WESTLAKE FIN XXXX XX/XX/2013 {$0.00}

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 2021-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
my car was repossed by a third party whom I never gave written or verbal consent sent a demand for validation under 15 usc 1692g no response I never recieved a letter of reposseion I never got information on when and where they car was being sold and how much the car was sold for also under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Multiple disputes for error on Bankruptcy date. Multiple requests under the Fair Credit Reporting Act for a copy of the document they are using which have been ignored. I believe I have a right to the proof of the reported information other than an electronic verification. I clearly requested this and Experian refuses to provide the proof.

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 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: FL

Complaint narrative:
I have more than enough reasons to believe my infromation and identity have been compromised and, or stoIen. Today on XX/XX/XXXX, I checked my credit report on XXXX XXXX this morning and found an open collection for {$3900.00} from Omega RMS! My heart DROPPED when I saw this so I requested reports from all three major bureaus. It has only showed up on my XXXX  report at the time of writing this. I also recently discovered my info was involved in at least 4 security breaches in the last 4 years, including the XXXX  breach of XXXX. I must also mention that my bank debit card and account info was breached earlier this year around XXXX.The thieves purchased 3 items totaling {$200.00} and I was forced to change all my information, including have another card shipped to me. Because of these facts, amongst other unfamiliar or inaccurate inquiries on my credit reports, I had no choice but to place a fraud alrert for all three bureaus. This collection account was opened XX/XX/XXXX. I dont think these time frames are coincidences! My next steps will be placing security freezes on my credit and possibly filing a police report. The original creditior on the account is named " XXXX XXXX XXXX. '' I have never heard of either of these companies and there isnt much info on the internet about them. I have never purchased anything nor previously interacted with either of these companies and I definitely DO NOT owe almost {$4000.00} to anyone for any type of product or service. It sounds like a scam! I am just a young man trying to rebuild his credit and this new fraudulent collection on my report has devestated my XXXX score!!! My credit was in good standing before this fraudulent collection account showed up ... This will greatly hinder my ongoing credit journey. I need this DELETED from my XXXX report first, then before it shows up on the other two major bureau reports and devestates my score even more, I need Omega RMS to contact both other credit bureaus : XXXX and XXXX, and demand that they be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have an outstanding collections account with XXXX XXXX XXXX. The debt was reported on XX/XX/XXXX. My husband started a XXXX and when we lost everything he XXXX XXXX  leaving me with a huge amount of debt with no options to immediately repay it. 

I have made no payment on this account or worked with them in any way since they took over the debt. On XX/XX/XXXX they added {XXXX} interest and reported it as if the debt was new debt on XX/XX/XXXX causing my credit score to plummet 46 points. 

While I can't repay them at this time, I have been trying to clean up my credit but I'll never be able to when they report the old debt as current and I think this is a pressure tactic for me to pay them. I would but I can't and their actions make the situation even harder on me. 

I don't think their actions are legal or fair as my credit was just starting to improve and they have reset my situation to what it was 2 years ago.

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 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
The date XX/XX/2021, I Miss XXXX contact Freedom Mortgage XXXX In. XXXX about the principle & interest My question is, Do a lender have legal rights to multiply interest amount to increase interest payments, for instance when the interest rate is 4.75 % and the principle is XXXX to be XXXX Dollars would a lender be in legal rights to multiply XXXX by any number let me use XXXX then divide by 360 monthly payments is the lender legally right? Please send reply to 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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I disputed an account with Transunion reported by XXXX XXXX XXXX ( XXXX XXXX under account XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report. I sent Transunion a request for re-insertion reason on why this is back on my file while it was not reported for 9 months. I received no such notification. In XXXX, they sent me back letter that information they received was verified. 
On XX/XX/XXXX I sent another letter to Transunion for Re-investigation and METHOD of VERIFICATION on how they verified this information. I have sent USPS mail signature delivery tracking # XXXX XXXX XXXX XXXX XXXX XXXX was signed by Transunion representative : XXXX XXXX on XX/XX/XXXX. It has been over 30 days since I sent this Re-investigation and METHOD of VERIFICATION and have not received any information back. If they can not verify any correct information this account must be deleted 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 2021-06-11 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BARCLAYS-XXXX CREDIT CARD AMOUNT : {XXXX} Charge Off In XX/XX/XXXX I got approved for this credit card. Everything was fine until I notice some fraudulent charges. I started disputing the charges around XX/XX/XXXX and they didn't remove the fraud charges. I decided to close the account and to continue making payments. I tried several times to fix this issue and no one helped me. I have been calling them since then and no one is able to help me. I would like to take care of this account because is affecting my credit and damaged my financial history. On XX/XX/XXXX I made several attempts to fix this issue and pay even the final amount. XXXX ; XXXX I spoke with operator XXXX " XXXX '' and he said they settled my account to XXXX and that's all I need to pay. I asked him when that happened. He said back in XX/XX/XXXX. I told him my credit report still showing a negative charge off the balance of XXXX} and he said that is impossible. I requested to speak with a manager. He transferred me to XXXX at XXXX XXXX. XXXX told me the same I asked her that I want to speak with an account manager. She transferred me to XXXX at XXXXXXXX XXXX XXXX told me he was an account manager and he said to contact XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX and XXXX answer the phone. I told him I want to take care of my account and he was rude and hung up the phone. I call the XXXX XXXX XXXX  main number and a nice guy requested my social security number and he can not find any record under my name. 

I need help from your institution to resolve this matter. Their poor customer service and collections department is affecting my financial life a lot. I have intentions to resolve this matter but they don't want to work with me. I feel someone needs to put a stop inmediately. Please help 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 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: AZ

Complaint narrative:
Persolve Legal Group LLP refuses to provide required documentation in dispute of an alleged debt they claim I owe. I have sent three certified dispute letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX " Compliance Officer '' fails to provide the requested information to validate this debt. The documents sent do not substantiate the debt, nor the information I requested, three times, and the excuse is that the documents that they received from their " assignor '' should substantiate the debt. The documents sent, to not provide the information I requested : name and addresses or creditors, when and who the alleged debt was obtained from and the amount at the time it was obtained, verification and documentation that there is a valid basis this alleged debt is owed to the stated creditor, billing statements, itemizations, statute of limitations, and their authority to collect. As a " Compliance Officer '' the obligation is to provide the requested information under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
SSI stating i owe XXXX but the money they stating i owe was when i was under age my mom was responsible of me. now they have it as a collection on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NJ

Complaint narrative:
This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CA

Complaint narrative:
XXXX XXXX - XXXX is an authorized user account that needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Spoke with representative over the phone XX/XX/XXXX for dispute of late fees on accounts With XXXX  XXXX XXXX  Account # XXXX regarding a late fee from XX/XX/XXXX mention to them my consumer rights under USC 15 1666 ( A ) regarding Timing of late fees a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the representative said they would do an investigation. I explained that would be fine. on XXXX I recieved an update that the file had been updated the late fee has not been removed. Under USC 15usc 1681 3 ( e ) No investigation was done with my neighbor, friends are family.

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 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Someone opened a Bank of America account fraudulently in my name. I can not open any other accounts with other banks because of that.

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 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
1 ) I placed an order ( {XXXX} total ) on XXXX XXXX XXXX on XX/XX/XXXX in the night using my Bank of America credit card XXXX However, when I placed the order my browser was not showing things properly, when I double checked a few hours later I realized the items were final sales, so I contacted the customer service right away to cancel my order, on the same day, same night. 

2 ) The agent replied on XX/XX/XXXX, saying they will get back to me. But they never tried to cancel my order, instead they ignored everything. 

3 ) On XX/XX/XXXX, they shipped the order to my surprise. 

4 ) On XX/XX/XXXX I received the package but asked XXXX to return the package to sender, so the package was never opened and returned on the dame day. 

XXXX XXXX On XX/XX/XXXX, the order was delivered to the sender, signed by XXXX 6 ) I disputed the charge with Bank of America, however they didn't resolve the claim to my favor, instead they processed the payment to the seller.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?

Company response to consumer: Closed with explanation