vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: World Acceptance Corporation
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report 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 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I disputed two charges under claims and defenses for services that I did not receive. 

Capital one refunded one of the charges, billed on XX/XX/XXXX, but not the other, billed on XX/XX/XXXX for {$150.00}. 

I never received the services, and I have sent many letters asserting my rights under claims and defenses. I want the charge for {$150.00} on XX/XX/XXXX reversed. 

In the most recent letter that capital one sent, they state that the transaction I was disputing was from XX/XX/XXXX, making it too old to dispute. This date is not correct, I did not even live near the merchant on that date. Capital one is fraudulently denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately 3 weeks ago I noticed a withdrawal and I believe it was 2 charges that did not belong to me or did I consent to them. So, the account was closed and a new card was issued that was also closed when I received it. In the interim I was told it would take approximately 5 business days to resolve the matter. There have been additional deposits made to the card and I have not been able to access any of the money on the card. BANK OF AMERICA also has engaged in false advertising claiming XXXX liability to the consumer for charges unauthorized, to the card. I have done everything required and still am forced to wait any help you may provide will assist me and many others to move forward

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 2021-03-25 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: U.S. BANCORP
State: UT

Complaint narrative:
XXXX  report is showing a paid in full item from USBank as a negative item. I called USBank and they do not show they had ever reported the item.

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 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I had a brand new car in XXXX and in XXXX it got totaled? I was working at the time and I lived in Minneapolis and my job was in XXXX so I would get rides and I would walk to and from work most days? I was walking like XXXX miles to and from work and I have had XXXX XXXX  surgeries and a XXXX XXXX and I did pay for it most days? But I had to do what I had to do because I have XXXX kids, rent, and bills? So I went and purchased a car on XX/XX/XXXX a XXXX XXXX XXXX that was {$14000.00} and my interest was {$15000.00} on top of {$14000.00} so the car came to {$26000.00}? Isnt that usurious? I was trading it in last year but the pandemic was a real pandemic for me cause I lost my job on the same do they shut the country down? XX/XX/XXXX. I didnt have money to put down so I went through this company where they sent me a letter for a car program because I didnt have a down payment or good credit so I had to take anything? The finance company is Credit Acceptance and the first car dealer ship that I had ever went to got sued for pushing through car loans knowingly the customer couldnt afford the payment? I want to trade my car in tomorrow to get myself out of this and I want to be able to be done paying them and not owing Credit Acceptance a dime a being able to purchase my truck tomorrow? Please please please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The SBA approved my business for a loan in the amount of {$13000.00} that was disbursed on XX/XX/2020. The funds were sent to Bank of America erroneously however to date Bank of America has not returned the funds back to the SBA. I've contacted Bank of American numerous times requesting to have the funds returned to no avail. I've also contacted the SBA for help in this matter ; unfortunately the SBA was unable to contact Bank of American on my behalf. I have attached a copy of my loan agreement as well as communication that I received from the SBA legal department.

I am reaching out for help in this matter because my business is still responsible for repaying this debt that interest is accruing every month while Bank of American is holding on to the funds while my business is in desperate need of the funds. 

I thank you in advance for your help in this matter. 

Respectfully, 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 2021-03-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/21, I learned that a company that I had made a purchase with called XXXX was a fraudulent company and when I contacted the company they refused to provide a refund for items that I never received. I advised that I would reach out to my card company American Express to dispute directly. I spoke with an unprofessional representative, XXXX who had no sympathy and refused to complete the dispute because the company did not have a cancelation policy. I was in disbelief that she would not proceed with the dispute after I clearly explained to her that I was scammed out of $ XXXXI am in disbelief at how this was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TN

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX flagged an account as collections with Experian. On XX/XX/2021, XXXX flagged the same account as collection reporting the account that I dispute, in whole or part twice in a 30 day period in the same month about a week apart. I contact Experian by phone 3 times on XX/XX/2021. On the first call, I could not reach an agent because there was not an option to speak to an agent about a wrongful flagging. Then I called using a different number and was able to talk to a person. Twice I was put on hold. The first time I was put on hold was after the agent looked at the transaction and agreed it was a violation and routed my call to a dispute agent. I was on hold until the fully charged battery on my phone died. I got another phone and called back. I was transferred to an agent who would not admit to an error in reporting until after talking to her for a very long time. She also routed my call to a dispute agent after telling me I was not supposed to remain on hold that long and she would transfer me to an agent that could take the call. After the transfer, I got a message saying my wait time would be greater than 15 minutes. The 2 calls lasted 1:45:35 mostly on hold. Both agents agreed the 2 reportings in the same month a week apart were violations. But, both directed me to a dispute agent who I finally got to speak with who also agreed the 2 reportings in the same month one week apart was a violation. But opted to handle the matter knowing it was a violation under a dispute process giving XXXX the opportunity to respond to an action they know violates the FCRA. Experian acknowledged it was a violation and XXXX knowing performed a violation on my personal credit report to intentionally harm my creditworthiness. An action I assert is harrassment. An intentional action to damage my personal credit report and score or to stall out any progress to improve my credit score. I was told it would take 30 days to allow XXXX to respond to an action all 3 agents admitted was a violation. My complaint is directed at Experian, a credit reporting agency, and XXXX XXXX XXXX, a collection agency/debt buying firm.

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 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have tried disputing the inaccurate information on my credit report. The information that is being reported is inaccurate and a violation of fair credit reporting. Please help with removing this item from my credit as I have tried working with creditor directly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
At the close of escrow, on XX/XX/XXXX, Dovenmuehle Mortgage , Inc. received an initial escrow payment of {$10.00}, XXXX for property taxes due on XXXX XXXX XXXX, XXXX, TX XXXX. In early XXXX of XXXX, we received a property tax bill in the amount of {$9700.00}. I immediately contacted Dovenmuehle and was told that they would take care of it. However, on Friday, XX/XX/XXXX, we received a penalty bill, in the amount of {$10.00}, XXXX, which includes {$870.00} in penalties. I contacted Dovenmuehle on XX/XX/XXXX, and was told to email the tax department, which I did. I did not get a response or an acknowledgment, however, so called again on XX/XX/XXXX, and spoke with a supervisor named " XXXX '', who said she'd look into it and get back to me. Having heard nothing for several days, I called again and spoke to another supervisor, named " XXXX. '' On XX/XX/XXXX, I received an email from a " Resolution Specialist '' named XXXX XXXX, who said she'd " initiated research into this issue '' and would contact me by XX/XX/XXXX, with an update and/or resolution. I have not heard from her again, although today is XX/XX/XXXX, and I called and emailed her twice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: LA

Complaint narrative:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report but I haven't received any response it cause me stress. I demand to DELETE ASAP those accounts or I will file a litigation.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an unemployment claim through the state of Nevada. Nevada pays weekly claims into an account ran by Bank of America who also provides a debit card. On XX/XX/2021 I attempted to login into my account in order to transfer money to pay upcoming monthly bills and rent. Upon logging in I was told my account was frozen and to call BofA customer service.

When I called BofA customer service they gave me no information in regards to why I could not access my funds and told me to contact my " sponsor '' which would be the State of Nevada. When I finally got through to Nevada I was told they did not initiate any kind of freeze and was then informed BofA is taking it upon themselves to freeze accounts. Nevada DETR requested that I send in some documentation for identity verification purposes and they would begin the process of getting BofA to unfreeze my account. 

On XX/XX/XXXX I called BofA customer service again to try and understand why they froze my account, and ask if there was any fraud detected, and if so why wasn't I notified. They again provided no information but to tell me to " contact my sponsor ''. They refuse to help me resolve this issue. I believe BofA are withholding my unemployment compensation in bad faith.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: IN

Complaint narrative:
Contacted me 4 times in one day after I explained I have given the case over to a lawyer that is handling the case. The XXXX is collecting a debt for XXXX as a last bill. I was not aware that this amount was owed as the store employee told me at the time there was nothing owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
XXXX XXXX loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a COVID Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX loan, which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit XXXX in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX industry we continued to keep the payments up to date and we were still reported by XXXX as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.

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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot LLC ( XXXX ) Loan XXXX XXXX XXXX XXXX # XXXX is violating ethics codes and committing fraud. He claims in his social media, lXXXX XXXX and verbally tells his customers he has a finance degree from XXXX XXXX XXXX XXXX. Representing himself as a very educated financial XXXX. In fact XXXX XXXX has never attended any secondary XXXX XXXX  This is a violations of lending ethics codes and is a blatant act of fraud against the consumers he services. Loan depot obviously did not perform a thorough background check. This man should be delicensed by XXXX so he can no longer prey on customers with fraudulent credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit was ran without my permission I have text messages and proof that my information was illegally ran and they still wont fix the issue. XXXX should not me on my inquiry this is fraudulent I didnt give them permission to run my credit I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover Home loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a XXXX Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX XXXX which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit score in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX XXXX we continued to keep the payments up to date and we were still reported by Discover as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: LD Holdings Group, LLC
State: AZ

Complaint narrative:
LoanDepot account shows a remaining balance of {$250000.00}. This open balance tradeline is impacting my credit standing which is a violation of the Fair Credit Reporting Act guidelines as the debt can hinder my potential credit approvals due to the outstanding debt. 

LoanDepot has failed to update my credit in a timely, efficient manner. Even after numerous times of trying to contact the company. 

LoanDepot hasnt updated my account and still shows I owe on the loan that was transferred to XXXX XXXX. As of XX/XX/2021 has been paid off.

Company response to consumer: Closed with explanation