vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX Bank of America closed my account ( account number : XXXX ) and sent me a cashiers check for {$17000.00}. I had a total of {$34000.00} in my account when it was closed. They kept {$17000.00} that was granted to me on XX/XX/2020. I wired XXXX into my account from XXXX XXXX on XX/XX/2020. On XX/XX/2020 a company called XXXX illegally debited {$17000.00} from my account and Bank of America froze my account and disputed the funds. On XX/XX/2020 I wired {$17000.00} from my XXXX bank account. After the investigation was complete, a permanent credit of {$17000.00} was placed into my account on XX/XX/2020 which made my total balance {$34000.00}. I withdrew {$5.00} on my account XX/XX/2020 and on XX/XX/2020 my account was closed and they mailed me a cashier check for only {$17000.00} and they kept {$17000.00} that was given to me from the dispute department. A Bank of America rep named XXXX from the account closure department placed a hold on the {$17000.00} and told me he was keeping the funds. His phone number is XXXX. Bank of America risk department phone number is XXXX. They are refusing to give me the remainder of the money in my account and are trying to permanently keep it for themselves and possibly spilt it. It is clear where the money came from and who it belongs to but they claim they dont know who the funds belong to. So I attach all the bank statements, XXXX XXXX wire receipt and Bank of America dispute letter stating that the funds permanently belong to me. On XX/XX/2020, Bank of America told me that XXXX XXXX has to recall the funds and send over a hold harmless letter. XXXX XXXX did a wire recall 2 times and Bank of America denied it because they said the Bank of America account is closed and there were no funds to send back. On XX/XX/2020, XXXX XXXX corporate security tried to recall the funds from Bank of America back office and Bank of America said that they dont have any funds to send back.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 Equifax received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of XX/XX/2020they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act.

I up to this date have not heard any response from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have called multiple times and spoke to multiple agents and my issue still has not been corrected. My account was sent to your law firm XXXX, XXXX, XXXX. I paid in full. Last payment processed XX/XX/XXXX. I contacted the law firm on XX/XX/XXXX XXXX to confirm my payment was accepted. They told me it posted XX/XX/XXXX and that it took 10 days for it to get to Midland. After 10 days, I contacted midland because my account was still showing a balance on your website. They told me that they still had a balance on their end and to contact the law firm. I called the law firm they said they did their part and I needed to contact midland. Midland says I should receive something in the mail soon and it will update with the credit Bureaus. Im steady going back and forth and I get an alert to my credit report on XX/XX/XXXX that Midland has increase my amount balance due to them to {$44.00}. My credit score drops! Im devastated. Trying to buy a home and this happens. They reported incorrect information. Per their policy This account needs to be updated to reflect {$0.00} balance and deleted as agreed upon in the policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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: AR

Complaint narrative:
Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT Experian is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and Experian has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Experian has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX  # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Experian but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act

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 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: MT

Complaint narrative:
We began to fall behind on our mortgage in XX/XX/XXXX, we contacted Caliber, they appear to be very helpful and let us know we can take our back mortgage and divide it out over a 3-month period. You pay your current mortgage and part of your past due. We were given a new due date ( the XXXX and not the first ) so we are making our payments on the correct date, what they did not disclose is that even though we were making our payments on the new given date of the XXXX they were reporting it as late because it was not on the first. In XX/XX/XXXX we then went to them and did the mortgage modification plan, again, set up with a new due date. If all payments were made on time your mortgage was modified and you were given a lower mortgage. But is the Caliber style, the payments showed up as late. We now have ( 4 ) 120 days past due on our credit. We sold our home in XXXX XXXX and our mortgage was paid in full. I have contacted them several times, disputed this with not only Caliber but also the credit reporting agencies, they refuse to take the inaccurate reporting of late payments off our credit report preventing us from purchasing a new home. They take advantage of people desperate to save their homes and trap you in your mortgage with them because you cant get a loan or refinance with anyone else due to their predatory practices. We even tried to purchase a new home ( we moved our of XXXX  to XXXX  ) they offered us a new loan, but in the Caliber style of things, 30 % down, an interest rate at 8 % and over {$10000.00} in closing costs. We worked with Caliber for one year trying to get our mortgage on track, followed exactly what they said to do, paid on the days given to us by them and they destroyed our credit. If you are {$1.00} behind, they will report you over and over. They are unethical and prey on vulnerable people. I am shocked there has not been a class action law suite against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: UT

Complaint narrative:
Captial One is reporting a late for XX/XX/19. I have never been late on this account. This is being reported in error. I have had this account for a very long time and I have never had problems with this account.This is affecting my credit and it needs to be removed as soon as possible. This is an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kashable LLC
State: FL

Complaint narrative:
Kashable was withdrawing funds from payroll account on a bi-weekly basis. I signed a contract allowing Kashable to withdraw funds in the amount of the loan agreement of {$100.00} I did not authorize Kashable to withdraw the amount of {$100.00} I made several attempts to resolve the issue with Kashable. My concerns about my privacy and these unauthorized transactions have me feeling violate. I thought I could trust the company, Kashable, but evidently the records show how they operate business. They are scandalizing my credit score with falsified information. To settle this breach of contract on this day, XX/XX/2020, I am requesting that Kashable settle the remaining balance of : Loan ID : # XXXX {$2200.00} with XXXX amount ( {$0.00} ) owed from the borrower/myself, XXXX XXXX, and also remove anything that is pertaining to their company, Kashable, from all three credit bureaus. 
I have also attached the loan agreement and the documents of payment history that came directly from Kashable website ( kashable.com ) obtain by entering my username and password. I'm greatly looking forward to resolving these issues as soon as possible. I will conduct a follow up within the next 7-10 business days. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AmeriCollect
State: OH

Complaint narrative:
XXXX XXXX Services XXXX XXXX XXXX Americollect I have end stage XXXX XXXX and I'm XXXX. I will not be able to pay this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
After making arrangements to pay the balance, several agents stated they " had not received payment ''. These were in fact sent through XXXX XXXX 
After changing my address and notifying the company of this change, they continued sending correspondence through mail to my old address in XXXX, Oh. 
After retrieving the mail that was sent, I noticed that no notice was given of the threat of repossession in the first place. 
Due to COVID-19, I faced financial hardships after becoming unemployed. 
Deferred payments were denied but this is a definite option, denied without good cause before collection of the vehicle. 
I was offered an opportunity to pay {$1000.00} for the creditor to " hold the vehicle from auction ''. To my knowledge this is false, another representative suggested over {$3400.00}. 
I came up with {$2500.00} to pay the past due balance, but they will not accept this even though it is far beyond the {$1000.00} meant to " hold '' the vehicle. 
The vehicle was taken between XXXX. Only on XX/XX/XXXX was a notification sent, and this was a " Right to Reinstate '' letter along with a statement with a balance due of {$2500.00}. 
After further review, this company has collected debt in an unlawful manner numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover Card is waiting on an irs report, which is fine. However, they have locked me out of my account online from payment or seeing statements. I dont need to use the card just pay the bill. They have no allowed that to happen. They didnt when they locked me out put me on a paper bill. I stopped AutoPay because I cant see whats going on! I dont care about using the card just paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment is reporting on my credit as of XX/XX/XXXX. As soon as I found out this was on my credit, I paid it. They never sent me my 30 day right to dispute and this puts them in violation. This account is paid and it needs to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I noticed on my credit report a company called Jefferson Capital System. Looking into it further, the debt is from XXXX XXXX XXXX for a loan. I have never had a loan with this company, nor have I ever had a loan with any company. The loan was obtained on XX/XX/2015. During this time, I was in XXXX XXXX XXXX XXXX and had no access to be able to obtain a loan. I have no knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: KS

Complaint narrative:
XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Moved from apartment and paid everything that was owed. Two months later, got a letter from IQ Data International saying I owed {$45.00}. A month later, got another letter from IQ Data International , Inc., saying I owed {$95.00}. I wrote a letter disputing the debt and asking for a verification from the apartments. A month after that, got another letter from IQ Data International , Inc., saying I owed {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I received a 1099-C on XXXX with amount of {$58000.00} from a collection company, Ditech , but I dont know what its all about. 
I went to a credit company and pulled my complete credit profile to see If I have anything about it there but I couldnt find anything like that. 
I wrote a certified letter on XX/XX/XXXX with a return receipt ( received on XX/XX/XXXX signed by XXXX XXXX ) I havent received any responses from them in what it was all about. 
Since it is a 1099-C, I feel threatened by it and I dont know if I need to file it in my XXXX Tax return? 
Please let me know at your earliest convenience, I am nervous about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TX

Complaint narrative:
Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from 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
Consumer complaint received 2020-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from 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
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC VIOLATIONS

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 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Someone called me about not existing loan. It's scam Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
On XX/XX/2020 Experian received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of 2020 they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the XXXX ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.

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