vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America signed me up for their Forbearance program even though I made monthly payments every month. I'm in the process of selling my home and working with a builder to have another home built and learned that while Bank of America was receiving my monthly payments they were noting received, applying payment and from there unapplied the funds. My credit report normally indicates " ok '' when payments are received within the 30 day window but recently started showing " unknown ''. I believe Bank of America is engaging in deceptive business practices and taking advantage of government " Co-vid '' aid all the while hurting the average consumer. I have all the required documentations to support where payments were submitted monthly, each and every month. In addition, I have reached out to Bank of America to try and resolve this and keep getting the " run around ''.

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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I accidentally pre-ordered some tickets on XXXX XXXX using my PayPal account I have not received any tickets they have taken about {$3000.00} from me and are holding my money ransom refusing to return it to me PayPal is not helping me they said that they will not be able to help me until after the day of the concert if they still did not deliver the tickets to me I bought them by mistake thinking that they were actual tickets and not a pre-order. The actual tickets on their website are only {$130.00} and they are charging me {$560.00} each ticket I bought four of them. They claim that you are not allowed to sell tickets that you do not physically own yeah here I am one of their sellers fraudulently took my money and they are not helping you refund my money and neither is PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello. The account in question was closed due to fraud and was removed from my report. I still had to make payments on the balance i accrued. I no longer had access to this account online and no longer received statements as thr account was closed. I called in monthly to make the payments to pay the balance off. In XX/XX/2021, i called in, received the balance and paid it off to my knowlede. Since i paid the balance, i thought everything was taken care of and i was done with the card since it was already a closed account. I went on and no longer considered this account because to my knowledge the account was now {$0.00}. I recently received a notice that capital one reported this account to my credit for {$2.00}. When i called, i was told that at the end of the cycle, the account accrued {$2.00} interest. I never received a statement, an email, or a phone call informing me that the {$2.00} was still owed. I would not ruin my credit for {$2.00}. I have asked Capital one to honor my integrity in all the times i have paid and the fact that they provided no notice to me. I am trying to purchase a home and this is affecting me greatly. My credit is good and now has dropped XXXX pts because of this. Capital one is refusing to remove this, even though i paid the balance and they neglected to notify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Misinformation from the loan originator at Cardinal Financial. The loan originator offered a rate and took 3 hard inquiries just to provide higher rate terms and closing costs. They have sent contradicting statement and ordered a home appraisal without the owner consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX XXXX  and Trans Union are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.

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 2021-05-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX, Experian and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.

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 2021-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On or around XX/XX/2019, XXXX  XXXX placed a collection on my XXXX  credit file. Upon further research, I found out this account transferred or sold and I am is no longer responsible for the account. XXXX XXXX has failed to show details about age and of the debt from original creditor, a detailed explination of any interest added or payments and legal authorization for this interest, the date the original creditor claims this debt became delinquent. According to the FCRA, XXXX XXXX  has violated my rights as a consumer. I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Fraudulent business, they had no license number and only one person operating the phone they're very rude and just trying to gather information this is a fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
About a month ago I noticed 2 alleged collection accounts furnished on my credit report the alleged debt collector happened to be ( and still is ) Credit Collection Services. I Sent my dispute to Credit Collection Services on XX/XX/2021 it was delivered on XX/XX/XXXX. Credit Collection Services did not respond until XX/XX/2021. This late response is the reason Credit Collection Services is in violation of Title 15 1692G ( A ) for failing to send a notice to me in the first 5 initial days of My dispute. 


In my dispute I requested them to provide the original agreements with signatures of all parties to the agreements with me and the alleged Original Creditors i.e. " XXXX XXXX '' # XXXX and " XXXX  # XXXX -Credit Collection Services failed to respond to my request- I also requested Credit Collection Services prove that these alleged debts are accounts as defined in Title 15 1693-2 which governs the procedure on debt collection- Credit Collection Services failed to respond to my request therefore Credit Collection Services is in violation 15 USC 1692E-2 ( A ) by failing to validate this alleged debt as an alleged " collection '' yet furnishing it on my credit report as one is falsely implying its status.

I also requested the date of first major delinquency, The date of last activity, and the date closed - Credit Collection Services failed to respond to my request- Credit Collection Services is in violation of my state 's statute of frauds ( According to California law [ Cal . Civ. Code. 1624 ], ) by failing to provide the original agreements with me and the alleged original creditors with signatures of all parties to the agreements of two alleged debts furnished on my credit report instead, on they had XXXX XXXX  One alleged original creditor send me a " Statement of the account '' which is not what was requested by me. Credit Collection Services has yet to send me any information on the alleged XXXX  debt therefore failing to respond to my request or validate this alleged collection account entirely Upon further research, I discovered that Credit Collection Services does not have the right to collect debt in the state of California therefore this alleged debt collector is violating 15 USC 1692E-1

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LL Capital Partners II, L.P.
State: FL

Complaint narrative:
The Strike Acceptance bank to which I make my monthly payments for my car since XX/XX/2019, has not reported such payments to the XXXX, XXXX  and XXXX Credit Bureaus. For this reason I am unable to buy a new car, because dealers need to see this information in the aforementioned bureaus. I would appreciate it if you could help me correct this problem that affects me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened a Home Equity Line of Credit in the amount of {$50000.00} with Wells Fargo in XXXX. A {$50000.00} lien was placed on my deed by Wells Fargo at XXXX XXXX XXXX XXXX Of Deeds on XXXX XXXX. An additional {$50000.00} lien ( duplicate ) was placed on my deed by Wells Fargo on XX/XX/XXXX for the same account. The line of credit was paid off and closed. Wells Fargo filed a satisfaction on my deed for the XX/XX/XXXX lien on XX/XX/XXXX. The lien filed by Wells Fargo on XXXX XXXX is still showing as not satisfied. 
I am selling my house, and it is under contract. I was originally scheduled to close XX/XX/XXXX. The home can not close until Wells Fargo corrects the mistake they made, and file a satisfaction on the lien filed on XX/XX/XXXX. I have made multiple phone calls, and spent hours on the phone with Wells Fargo to get them to correct their mistake. I am getting shuffled around, and each person tells me " its in process ''. I finally spoke to one person on XX/XX/XXXX that said I need to fill out a Lien Release Checklist and return. Wells Fargo could not email it to me, and they said they could only fax it or send it in the mail. That person said they would request the Lien Release Checklist to be faxed and mailed. It was never faxed. I have not received it in the mail. I have had 3 closing dates scheduled, and all 3 have been moved due to this issue. Wells Fargo gave me a reference number of XXXX on XX/XX/XXXX. When I contacted them on XX/XX/XXXX they gave me a reference number of XXXX. The account that was closed is 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 non-monetary relief
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2021-05-25 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: CA

Complaint narrative:
There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank. 
I told the lady at XXXX XXXX that I have a credit card at home and she purposely made me sign for a new card because they cant do look up or bill with social security number look up. 
The mail/billing never reached my home. They said the post office returned my mail twice. They did not allow me to pay my bill over the phone because they had to figure out how to identify me. They ruined my credit. They told me that they cant fix because it took too long to identify me. 
I have the money and this sort of wrong doing is not fair. Now, I need SSI and unable to refinance my home due to XXXX credit. Now, I need to sell my condo. All my life I did what was right then one credit card company went a messed everything up. Soon Ill be in section 8 housing instead of my condo. One credit card shouldnt be able to do some damage to ones credit score.

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 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I was told that the incorrect collection account would be removed when paid. It is still showing on my credit report even though it has been paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX utilized Eastern Account System to collect on a debt that was resolved back in 2015. They did not provide me written notification and have now added this debt to my credit report causing a serious negative impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I entered forbearance on my current mortgage at the time I was behind and in order to enter the forbearance period I needed to be current, I brought my account up to current and entered into forbearance. In order for it not to reflect poorly on my credit, this covered me from XXXX till XX/XX/XXXX I noticed my account has been noted as 60 days plus delinquent so I called Loancare, disputed it and they had fixed it all the way up till XX/XX/XXXX It was reported as Current XXXX XXXX is reported as delinquent as well as XXXX XXXX XXXX XXXX and XX/XX/XXXX. In XXXX I extended my forbearance period & then last month I had made a modify to my loan in order to get a new rate and so as of now I dont have a payment due until XX/XX/XXXX, that being said I called to see why its reported delinquent they tell me its because my payment back in XX/XX/XXXX which is mind you when I went into my forbearance period that they cleared me for, was returned by my bank. My bank statements does not reflect that and they have never told me in the many of times I called that this was the case so that I could have a chance to fix the error and have my credit reported to as current, I have numerous hours on phone calls, Ive reported it, Ive disputed it, Ive contacted everyone, Ive done everything in my means and a year and a half later they tell me this is the case after theyve already reported all this negative to mine and my co loaners credit reports, this is so damaging. I need this fixed ASAP I dont know what else to do

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 2021-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
On XX/XX/XXXX of 2021 I made my last payment to Mercedes Benz Financial. I returned the car on XX/XX/XXXX of 2021. But I still received a 30 day late payment from Mercedes Benz Financial. I contacted them about the matter to get the problem fixed through them. But I was told they couldn't do anything about it on there end.

Company response to consumer: Closed with explanation