vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls Capital One is reporting a late for XX/XX/20 and I would like to have it removed. Due to everything that has been going on with Covid, I went through a little hardship approaching the end of the year as it was our slow season, and it was slower than anticipated. I had my hours cut dramatically and I was making just enough to meet ends meet. I do my best to pay my dues and have never been late before on this account before and I haven't been late since. I ask that Kohls makes a good will adjustment for the month of XXXX, it would be of great help. I am trying to get my credit where it needs to be and stabilize my life coming out of this pandemic slowly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed for Chapter XXXX bankruptcy last year 2020 XXXX XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX  XXXX XXXX  # XXXX, 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 2021-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PARKSIDE LENDING, LLC
State: WI

Complaint narrative:
I recently received a new mortgage and had everything set up for autopay. The autpoay did not go into account until after the payment was due. I have since paid this debt, it was only a few days late. I would like to have this off my record, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A.

2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle.

Due to the response that I have received from Santander, I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
On XXXX I was sent a PENFED Visa Debit card that I never applied for. Someone used my name and personal identifiers to open a fraudulent account. I called PENFED and closed the card. PENFED said that they would have someone from their fraud department get in touch with me within 15 days.

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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Called numerous times credit report agencies and the Barclay credit card company account ending XXXX, make disputes. 
On XX/XX/XXXX XXXX  answer to my dispute that MISSED PAYMENTS WERE REMOVED FROM YOUR BARCLAY ACCOUNT. 
After a while this Barclay is reporting my account being XXXX used and i delinquency. 
Made again a dispute today with Equifax and their fraud department told me to make a complaint with CFPB. 
Also, I called credit card Barclay today XX/XX/XXXX told them they PROMISE ME MY NEGATIVE INFORMATION WILL BE DELETED ( CALLED ESCALATION DEPARTMENT ON XX/XX/XXXX IN XXXX after I waited more than XXXX hours to speak with a supervisor ) but, have to give them few days because my account was transferred to a third party company and is in PENDING STATUS AND SHE CAN'T DO ANYTHING WHILE IS PENDING.. 
THEY TOLD ME TO SEND THEM A LETTER ALSO because they have their own dispute department. 


The third party company name is XXXX XXXX. 
XXXX XXXX didn't reported any negative information to my credit report. 

ACTUALLY BARCLAY CREDIT CARD FRAUDULENTLY TRANSMITTED EVERY MONTH THIS NEGATIVE INFORMATION AFTER PROMISING ME THEY WILL DELETED more than year ago .... 

Sincerely 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 2021-04-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 an {$800.00} atm withdrawal was posted on my account. I did not know until XX/XX/XXXX and was told by BOA that I would need to call the fraud department on Monday XX/XX/XXXX. I called and filed a claim and was asked to wait patiently up to 45 days and that I would receive a letter in the mail. I called XXXX to update them on the matter. After filing the claim I waited a few days to Contact BOA to obtain an update and was told my account was frozen. I figured it was obviously frozen because of the claim. I kept calling every few days and I was being told the same exact thing its frozen. I finally asked what they meant by its frozen, and they went on to say its frozen because XXXX placed a hold on your account due to them waiting on verification. I asked why they did not tell me this before and they apologized. I call XXXX and verify and was told by XXXX that once BOA received the verification letter they can lift the hold From my account along with provisional {$800.00} credit that they must give me. I called BOA almost everyday to find out whether they received verification. When they finally stated that they did XXXX which was actually days before ) they stated they would submit a form ( apparently he said its a form he has to fill out and did not tell me more than that ) along with submitting my claim for a reconsideration this was on XXXX XXXX was told this can take months, and that the XXXX  days I had already waited did not count due to the account being closed. I called back XX/XX/XXXX in which I was told that no one submitted a reconsideration. So a reconsideration was filed. I called XX/XX/XXXX and spoke to a supervisor who stated I would be given the provisional credit. I have been getting the run around about my funds since XX/XX/XXXX. Bank of America supervisors have hung up on me multiple times and do not have an answer for anything and even going as far as telling me to bank with another banker. It has now been almost 60 days and I have yet to receive anything in the mail regarding my claim. Today I have had it, was hung up on by a BOA claims status supervisor as well as feeling humiliated and asked why do you need the money for? Bills, payments, food, OR what? I can not believe that they would ask me why I need MY Money for. I do not think that BOA plans on ever refunding me this money and I have been the one calling and calling to get things moving. And nothing has changed. I can only imagine how many people are going through this.

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 monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Email received. Multiple emails of this nature coming from different senders. 

Wow Great News! This Is Amazing! Your New XX/XX/2021 Scores Are Now At a Record High Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, TransUnion and XXXX  Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America

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 2021-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In 2012 Bank of America was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. Bank of America has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. Bank of America, XXXX, XXXX, and XXXX are ALL in violation of the FCRA.

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 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I went on the app that has all my banking information and sent {$520.00} to a family member in XXXX XXXX  in XXXX.The transaction was approved and a day later i got a message that they need the recepiemts ID from me.That was a XXXX  on XXXX I called waited over 40 minutes to get through amd asked why yhey need the recepoents ID from me when they can ask for it at the receiving end and if that was a requirement i shoukd have beed asked for the recepients ID before the process so I could choose to use another company.The lady hung up the phone and immediately I received a text mesage my tranaction was cancelled followed buly an email with norhing as to when my mkney will be refunded and how much and the liar scammer put that I cancelled the transaction.Really! After 4 days and then to wait another 10 days to get my money back IF it is refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In 2012 XXXX XXXX XXXXXXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. XXXX XXXX XXXX, Equifax, XXXX, and XXXX are ALL in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In 2012 XXXX  XXXX XXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER 7 years old since it was closed, and should NOT be reported anyway. XXXX XXXXXXXX XXXX, XXXX, XXXX, and Experian are ALL in violation of the FCRA.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Due directly to COVID-19, financially my family were directly affected. I was able to close several creditor accounts and work out a payment plan. This was to avoid bankruptcy and hurting my credit. One creditor, XXXX XXXX who recently bought out bank, XXXXt is now my creditor with XXXX card card. XXXX XXXX XXXXt is the new creditor. Ive tried several times to work out a payment plan with XXXX XXXX but each month, XXXX XXXX would not offer me any assistance. Finally, in XX/XX/2021 XXXX XXXX agreed to a customer assistance program which I pay {$150.00} per month starting with XX/XX/2021 then every month thereafter. XXXX  XXXX continues to report negative information as to 30 and 60 days late to my card report. After filing a complaint with XXXX  on XX/XX/2021, XXXX XXXX in a letter, dated XX/XX/XXXX, XXXXagreed to remove the negativity of 30 an 60 day late reporting on my credit report. On XX/XX/2021 XXXX XXXX  again reported 30 day late on my credit report. I again filled another complaint with XXXX on XX/XX/2021 and awaiting a response. I also made complaint to you and with experain. On XX/XX/2021 experain completed their investigation and did not change the false, inaccurate and inaccurate reporting on my credit report. This is completely wrong and reckless investigating by experain. No changes to my credit report and experain has not performed a proper investigation. If so, with supporting documents sent, this inaccurate reporting would have been corrected by experain. I am now relying on you, XXXX XXXX and XXXX  to accurately correct this false, misleading and inaccurate reporting by XXXX XXXXXXXX and experain credit agency has not properly and lawfully investigated this damaging information on my credit report. Please see documents as to being in a customer assistance program, paying XXXX payment of {$150.00} on XX/XX/2021 then next payment taken by XXXX  XXXX directly on XX/XX/2021 then each month thereafter. Letter from XXXX  XXXX agreement to remove the 30 and 60 day negative reporting also attached. Also recently completed experain complaint I filed where they did nothing but agreed to what is obviously false and inaccurate negative reporting by XXXX XXXX but did not do Anything to assist.

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 2021-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
ABUSE OF RIGHT by BB & T - Home Equity Line of Credit # XXXX My Home Equity Line of Credit ( HELOC ) at bank BB & T bank ( now Truist ) reached its maturity date recently and had to convert to a repayment period, which it was stipulated in one of its clauses. 
However, BB & T has exercised this clause with abuse and unconscionability, violating the principle of good faith or elementary fairness. 
BB & T decided to raise my payment from {$350.00} to {$2300.00} per month ( statements attached ). They expect me to repay {$94000.00} in only 44 months, which is impossible for me or any mid-class family. They have not cared that my housing payment ratio rise to 90 % of my gross income. They know that I do not have the income to cover this payment, since they asked me for the documents about my income, and they still do not want to listen to me. 
BB & T, abusing the power it has with this clause, has set a monthly payment that favors them better, but that is leading me to lose my house very soon. I am current on my payments, but I do not know for how long it can be.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
LOCKHART MORRIS & MONTGOMERY at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$5400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TX

Complaint narrative:
I have sent multiple letters to credit bureaus and have not receive a response from any of them. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. Received no letters in the mail or email. It has been XXXX months so far. There are not following the rules. They have 30 days to respond. I want these items removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX took over our home loan in XXXX. Zero issues what so ever payments where made on time. For the first four months my father would call in his payments and they would take them and process them with no issues and my father has even added additional funds for the principal every month. Let 's fast forward to the first incident in XX/XX/XXXX my father called in his payment as he always did got his confirmation number and went about his day. Right away at the end of XXXX I had people coming to the home taking pictures asking if anyone was living in the home. Puzzled and confused we call XXXX and they said no payment had been made for the month so they just wanted to verify someone was living in the home. On the phone I mentioned the confirmation number they took it but said nothing existed. After making the payment I asked if my credit would be damaged because of this and they said they did not know. Right away that was a red flag! After countless phone calls, letters and emails at the end of XXXX my credit report was updated with a deduction in points from XXXX to the low XXXX 's. After trying to explain the situation they were no help what so ever! all I got was a you should have made that payment on time. Now let 's forward to XXXX! My father had some extra cash so he decided he would make his payment early. I made this payment on XX/XX/XXXX for the amount of {$1800.00} and an additional payment to the principal for {$300.00} a total of {$2100.00} for the next month of XXXX. I kept an eye on the bank account but noticed something strange XXXX only took the principal payment of {$300.00} I called to confirm that and they said that was correct! I asked why?? if I made a payment for {$2100.00}. I remembered what we had already gone thru this so I mentioned this to the operator and she said she saw this exact problem earlier in the week with a different customer. I mentioned what happened to us in XXXX and I told her that it feels as if XXXX XXXX  would love the home back since they really want us to miss payments and mess with our credit. I would happily sell the house back to them!!!!!!! but if the payment system has errors why not change that??? why don't you fix this! I tried to buy my own home but was unable to because of the damage to my credit thats just now getting better. I would appreciate it if XXXX took responsibility for the XXXX up from XXXX and for the one for XXXX or is this plane old sabotage?

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