vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: IL

Complaint narrative:
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL XXXX XXXX  {$330.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00}

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 non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA USA was the parent company of Simple Bank. BBVA chose to close Simple earlier this year and planned to transition remaining customers to BBVA accounts. 

The transition was set to take place on Saturday, XX/XX/XXXX, and Simple customers were told this would be a seamless transition and, aside from the name change, we would not notice any difference. Simple customers were told there was nothing we could do leading up to the transition and it would all come together on the day of. 

XX/XX/XXXX rolls around and no one can access their bank accounts. BBVA did not reach out to the transitioning customers to make them aware there was a technical difficulty. In addition, no one could get through to customer service because they were closed. They never should have a transition on a weekend, let alone a transition without any customer support available. 

I went three days before I was able to access my bank account and my money. My card had been lost a few days prior to the transition so not only had I been unable to order a new one, but I also could not monitor my account for any suspicious purchases. 

I was lucky to gain access to my account on Monday, XX/XX/XXXX. Others are still not so lucky. With many still unable to even get through to customer service. 

We are now five, almost six, days into this transition and BBVA still has not communicated directly with their former Simple customers. We have had to seek out all information ourselves via their XXXX and XXXX accounts which are only updated about once every 24 hours. They have yet to send an email out explaining what happened, what they're doing about it, and what to expect forward as well their fees are. We're coming from a bank that did not have any fees, so they absolutely need to share this information with us. 

In addition to not directly communicating with their customers, they also changed our routing number - something they have been saying would not be done. This has caused people to miss paychecks and miss payments. 

BBVA has proven that they can not be a trusted financial institution. There has been very little communication ... their XXXX and XXXX posts have many words in them, but they say essentially nothing. BBVA has taken massive blunder and it made the customer 's job to fix.

At this point, it's been almost a week and BBVA has yet to even apologize for essentially storing their customer 's money in a black hole. 

I've already taken all of my money out of my accounts. I did it via XXXX because I couldn't even trust them to handle a simple transfer correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX XXXX XXXX. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above XXXX XXXX XXXX in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give XXXX XXXX XXXX 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 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I Have XXXX  hard inquiry on my credit report thats fraudulent I have never had an account with neither and neither did I try to apply for credit and Im requesting for immediate deletion CBNA and XXXX XXXX Bank

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
About 20 years ago my ex XXXX  and I divorced. I have fallen behind on the mortgage and contacted Suntrust for assistance. They collected documents for months and even after weekly phone calls told me I was denied for a modification for missing documents. At that point the opposing counsel was put in charge of collecting documents. I submitted documents to the counsel. I was told that I had to send in income documents from my ex XXXX who has not lived in the property for XXXX years ( I have also remarried and submitted my current XXXX who lives there now 's income ). I then contacted FHA directly and received an email from their representative stating that the lender does not need my ex XXXX XXXX income. I then forwarded this information to opposing counsel. Opposing counsel sent me back an email that they were not going to follow the directive of FHA. They are refusing to review the income that is part of the household and blocking me from receiving the assistance that FHA has in place for their homeowners. I would also like to note that I have submitted the quit claim deed and divorce decree granting me the house.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called TransUnion. They ( XXXX XXXX say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with XXXX. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the XXXX is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from Experian and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, Experian has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked Experian to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I had an account Nissan motors and paid XXXX I made the payment and was advise that it would be removed and deleted from my account. It has been posting in good standing prior to payment. In XXXX it was now reporting as bad debit charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Back in XXXX I called Moneylion to make an payment on an account. The representative told me it would be deleted within 30 days of receiving my payment. That was the agreement verbally over the phone. Those calls are also recorded and monitored. I demand that it be deleted off my credit report. Account was paid as agreed.

Not only is it still on the report its still reporting derogatory status with a comment it was paid after discharge. I have called twice since the initial conversation and was told 1 out of those two conversations that it would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Harbour Portfolio Advisors, LLC
State: DC

Complaint narrative:
On XX/XX/2021 Harbour Portfolio, XXXX XXXX And XXXX XXXX XXXX changed my locks and removed everything I owed. I am homeless because of this Action. They came to the home and my brother answered the door. They told him that they were the Mortgage Company and he had to leave. The servicers have changed their name several times. The Attorneys involved are Atty XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX Texas.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX that they reported the balance zero but they still have it on my 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX  that they reported the balance XXXX  but they still have it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from experian that they reported the balance XXXX but they still have it on my 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 non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I already reached out to the credit bureaus and to XXXX XXXX XXXX  and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately needed. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These inquiries were not authorized. Please remove it from 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX has reported I opened an account XX/XX/2021 and I owe them {$320.00}. I do not owe them. I did not open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
Several debt collectors have called me on behalf of XXXX XXXX. The one that contacted me today was ERC. I already settled my debt with XXXX XXXX through XXXX on XX/XX/XXXX i the amount of {$180.00} which is 50 % of the total amount owed. I spoke to XXXX XXXX when I made the payment. The phone number she provided on XX/XX/XXXX was XXXX. She also provided a Ref # that I will provide upon request. XXXX who is also with XXXX, provided XXXX. When I called that number a gentleman answered and said that he would transfer me to the " correct department '' I asked, " What is the correct department? '' He repeated, " I will transfer your call to the correct department. '' I held for approximately XXXX XXXX and then he disconnected the call. Then, I placed a call to XXXX XXXX to ask for a list of their legitimate authorized debt collectors, so I know which ones to report to the FTC. My call was answered by XXXX who stated that her records show that I still owe {$180.00}. I insisted that I do not owe that amount, and I settled for {$180.00} on XX/XX/XXXX. XXXX confirmed that a payment in the amount if {$180.00} was made, but that I still owe {$180.00}. After an unresolved debate, XXXX transferred my call to another representative who could not find an account to match my phone number. He answered the call in XXXX, but I assured him that I am not fluent enough in XXXX for him to take my call. He also attempted to give me instructions to dial in again, and put in a series of " ten zeroes '' as opposed to my actual phone numbers. I stated that I am not willing to continue to follow their instructions, because I have not received a resolution for my request, nor were the seeking to honor my request, but to collect money that is no longer due to them. I informed the representative from XXXX XXXX that I would seek legal action against XXXX XXXX and all of those collecting on their behalf if I receive another phone call, because it is now harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: World Acceptance Corporation
State: GA

Complaint narrative:
World finance is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the World finance to correct their error immediately with no progress. 

I also have an letter here from World finance for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and World finance! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,

Company response to consumer: Closed with explanation