vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so. 
In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX!!! XXXX XXXX XXXX Reported : XX/XX/XXXX ***Other loans**!!! OTHER LOANS *XXXX  XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX  XXXX/ XXXX XXXX XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
This compliant is regarding property taxes bill for a leased vehicle that was located in XXXX, TX ( XXXX County ). The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've reached out to GMs customer service team several times and several different ways since XXXX. Several times I was told someone from the property tax dept would contact me within 72 hours regarding my questions below but I have not heard back and I want this resolved so I can pay the bill. I am disputing the two property tax charges until it is corrected/my questions below are addressed. 

1. Per my contract, the value of my vehicle is {$27000.00} ( See page 2 of GM Chat pdf date : XX/XX/XXXX ) but the property tax bill reflects an assessed value from GM of {$70000.00} for XXXX ( See XXXX XXXX png email and attachments XXXX************* and XXXX********* pdfs from the XXXX XXXX team ( date XX/XX/XXXX ). That needs to be corrected and rebilled at the contracted/correct rate. When will this be corrected? 
2. Why are previous years listed on the property tax invoice? My vehicle is a XXXX. ( See XXXX pdf from the XXXX XXXX team received on XX/XX/XXXX ) 3. Why do I have multiple property tax charges : one for {$300.00} and one for {$190.00}. GMs XXXX XXXX team sent a copy of an invoice for {$190.00} ( which is billed incorrectly because of the value listed ) but did not send one for {$300.00}. ( See GM invoice pdf dated XXXX XXXX, XXXX ) Contacted customers service via text : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) Contacted customers service via phone : XX/XX/XXXX Contacted customers service via email : XX/XX/XXXX Contacted customers service via chat : Possibly XX/XX/XXXX did not take screen shots so I am not sure, but that is one of the days I called XXXX County. I was told I needed to contact my local tax office. 
XX/XX/XXXX I contacted the XXXX XXXX Tax office ( for the City of XXXX ) twice and both times told the taxable value is determined by the leasing company who sends the info to the appraisal district. They bill they send to the leasing company is based on the value they receive from the leasing company so there is nothing they can do. Reference XXXX XXXX XXXX XXXX regarding property tax for leased vehicles in the City of XXXX County. 

Additionally, I submitted questions and a complaint regarding the lack of response to my questions to GM Financials complaint department via their online form on their website. Exact date unknown it was between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters just reported a {$430.00} collection account on my credit report. Prior to the appearance of this account on my report, we did not receive a 30-day notice to dispute, which is required under the Fair Debt Collection Practices Act. We have left messages with this collection agency to find out why they did this, but they have not returned our call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDIT PLUS located at XXXX XXXX XXXX XXXX, MD XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
XX/XX/XXXX I first called Citi.com as I was not able to logon to my account. During troubleshooting with their agent it was determined it is not a user ID or password issue. using their website I can not access my account. I've tried XXXX PCs, XXXX laptops, accessing from phone via a browser. No luck. On the windows PC I tried using XXXX  and XXXX browsers. No luck. On the XXXX I tried XXXX and XXXX. No luck. I tried via a hotspot, my personal network, and my business network. No luck. 

I was told to wait 2-3 days. I called again on on XX/XX/XXXX or XXXX. No luck. Spent another 50 minutes on the call. Same results - no luck. Was told to try again after the weekend. Tried again, XXXX, No luck. Called again. Was told they would open a trouble ticket - the same thing I was told the previous two times I called.

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 2020-06-08 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CREDIT ACCEPTANCE CORP # 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 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed in dispute to Transunion on XX/XX/20 for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX Solutions. I contacted XXXX XXXX Solutions by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXXXXXX XXXX   when they sold the account to collection agency XXXX XXXX Solutions? There should not be a balance on a charge off account that was sold to a collection agency.

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 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have mailed and sent TransUnion copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) 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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WAFD BANK
State: WA

Complaint narrative:
This complaint is regarding Flood Insurance. 

I obtained a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX on the purchase of a home in 2019. I was required to obtain flood insurance. The XXXX banker obtained a quote for us on the flood policy and we accepted it. The premiums were added to our escrow. A year later, when the premium came due, we received a bill, we contacted the insurance company and asked about payment of the premium. We were advised that it was lender paid. A week or so before the premium was due and the policy would cancel, we received another notice regarding the insurance and the premium. We called XXXX and explained the situation. They advised they would follow-up with the insurance carrier. We then received a letter from XXXX advising they had not received proof of insurance and were requiring it. I called XXXX and spoke to their insurance dept and they said I would need to get another policy or they would put a mortgage mandated policy on. I am upset that they did not due their due diligence in making sure they paid the premium I had already paid in my escrow. I am concerned that now the premium will be higher. I spoke with a member of their management and did not feel they were taking responsibility or offering to provide a solution. They and the insurance company are the ones that failed in making sure the policy was paid at renewal. If the premium is more, they should be responsible for the increase. 

Thank you, I await a 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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I told the Bank of America that I was the victim of fraud. Under their watch, someone had stolen my personal information and charged {$1300.00} in merchandise. Many of those purchases were made in XXXX, a place I had not been to more than 18 months before those purchases were made. The B of A removed the charges and promised to conduct an investigation. Months later, they informed me I would have to pay the charges. Their letter argued that since I had received statements and had made payments to the account, I was responsible. Instead of apologizing for allowing my credit to be usurped, they demand I pay for those fraudulent charges made by God knows who. The letter also alleged that they have a signed receipt or a contract. I appealed their decision. I explained that the initial purchases were small and went undetected because my husband and I share this and several other credit cards. I generally pay all my bills at the same time and do not delve into the details of each purchase. Once the B of A credit card charges grew in size, I asked my husband, learned that it was not him, and informed B of A of the fraud. Moreover, I insisted that they show proof of signed receipts or a contract they relied on as evidence against my claim. They certainly have copies of my authentic signature and can easily determine that the fraudulent signature ( s ) do not match. In fact, I'm sure they did that already. Nonetheless, in their terse response, they repeated they had signatures but did not even allude to my argument that the signature could not be mine. 
I have called them several times to no avail. Their customer service representatives in this area do not work well. Less than an hour ago, the last one simply hung up on me while I was in mid sentence. 
Again, I don't know how The Bank of America could allow my data to be taken, then require me to pay for their mistake. This is re-victimizing me. They craft a weak argument, pretend they can't hear my response, then coerce me into paying for their lack of security.

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 2020-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One My Account is up to date I have late payments because I got layed off due to corona virus. 

I was one time and never maxed my card out I usually keep a XXXX balance every month I tried to get a limit raise to lower my utilization but they would not work with me I want to dispute the late payments since I have my account back up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have had my accounts linked to my XXXX account and XXXX account. Now I am being told that pnc will no longer allow this connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: MA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDITO REAL USA FINAN located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint took over loan servicing in XX/XX/XXXX. Starting XX/XX/XXXX, we set up an automatic bill pay through XXXX XXXX, directing them to pay Shellpoint {$4800.00} on the XXXX day of every month, representing the monthly {$11000.00} PITI and an additional {$3000.00} principle reduction. The attached monthly statements show that those payments were correctly made on the XXXX day of every month, starting XX/XX/XXXX and continuing through XX/XX/XXXX. 

Shellpoint claims they never received the XX/XX/XXXX and XX/XX/XXXX payments. When they got the XX/XX/XXXX payment, they applied it to the XX/XX/XXXX and XX/XX/XXXX PITI payments and showed the XXXX PITI payment as being short. As of early XXXX, two {$4800.00} payments, a total of {$9600.00}, were floating around somewhere in Shellpoint 's system and not properly credited to our account. 

On XX/XX/XXXX, they finally found the most of the missing payments and applied them to our account. However, they are still missing a {$3000.00} principle reduction payment that was supposed to be credited on XX/XX/XXXX. And, the icing on the cake? They have reported as as being 60 days late to the credit bureaus. I found out about this today when I applied with XXXX  to refinance another property we own. My credit score has dropped from over 800 to  under 680 and our refinancing application has been denied. We can lock in a 2.75 % for 15 years with rates at historical lows. Who knows what the rates will be when Shellpont finally straightens this out? 

I have been in communication with at least three different loan servicing agents at Shellpoint and have multiple e-mail exchanges to prove it. NO ONE has been able to figure out where our payments went. We even started getting collection calls and pre-foreclosure notices. This has been an EXTREMELY frustrating experience and now I have to deal with a sub-par credit score through absolutely no fault of our own. 

I expect to be made whole as a result of their negligence..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have dealt with Fedloan services multiple times about this issue, including with numerous officers that are in charge of calculating monthly payments. I transferred my loan from XXXX to Fedloan about a year ago, and shortly thereafter my monthly payment more than doubled in amount, increased by over 100 %, it went from about {$130.00} to almost XXXX. This was unexpected, unfathomable and unmanageable for a single mom with tremendous debts as it is.Trying to deal with the company has been draining, first they were giving me excuses and calculations that made no sense and that had absolutely no justification for the increase, they couldnt name any numbers of my income or from my recertification that justify such a tremendous jump, and finally this XXXX I spoke to the last recertification officer who informed me that there must be some issue because the numbers used to recertify my loan monthly payment amount where identical from the previous year. He indicated that there isnt a calculable reason in their records that explains the more than doubled monthly payment, he promised that someone would either fix the issue or contact me and explain what happened, this was about the sixth time I talked to them, since then even though he assured me it would be fixed or explained I have heard nothing. Ive written them a letter and gave them a time to answer and they have ignored it. I want my payment back to {$130.00}, its unfair I shouldve been able to make my payments for the last 6 months - bringing me closer to my 120 payments of my loan forgiveness but instead Im stuck because they more than doubled my payment without reason or justification, and I was forced to go into forbearance because I couldnt afford such a large unexpected payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have attempted to arrange payments that are based on my income and I have not been able to. I am currently only working 2 days a week and I am unable to pay the payment amount requested. The company has only given 3 months forbearance during this pandemic yet interest rates continue to accrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation