vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is reporting a debt on my credit file that I do not owe. I recently checked my credit report and noticed this debt is still reporting. I have not made a payment in over 7 years and this account is past the credit reporting limits under the FCRA. Not only that, I have talked about this with the attorney general of California and have found that this account is past the statute of limitations as well. You can longer collect or sue me for any debt related to this account. You are in violation on 2 accords and I ask that you remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX 2021 Equifax posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Equifax permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My kohls balance was paid with XXXX XXXX XXXX  on XX/XX/XXXX however Kohls is still reporting my balance monthly as {$610.00} with XXXX and XXXX. I have faxed Kohls at XXXX on XX/XX/XXXX with the statement from XXXX XXXX XXXX showing it was settled for less than full balance on XX/XX/XXXX. I have also requested 4x with XXXX that the information be resent to Kohls to update my balance accordingly. I spoke with Kohls on XX/XX/XXXX and was advised my account was sold to XXXX for collections. This account has already been settled and should not be collected on again and should also be reflecting a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
My name is XXXX XXXX and I am a case XXXX for the XXXX for XXXX and XXXX XXXX in the state of Kentucky. I am XXXX XXXX 's case XXXX. XXXX is child who is a ward of the state of KY. She has debt on her credit report for {$590.00} that is owed to Midland Funding XXXX This is incorrect as she is a minor and does not have any legal financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I bought diamond earings from XXXX XXXX. They refered me to a third party bank for a credit card. The bank is Comenity Capital Bank. I was told by the bank that my credit card was mailed as well as statements. I have recieved none via mail. I want to pay the balance but the bank will not give me my Credit Card Account number. so I can register to pay online. I have not receieved any statements. The bank is saying to give them my bank account checking route number to pay the balance. I have no way of protecting myself of fraud if I send them the money. Can you help me. All I want to do is pay the balance and close this account. This bank is a fraud. I read many complaints on XXXX regarding the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
Simple was closed by BBVA. They transitioned over XX/XX/XXXX. Beginning that XXXX morning I have been unable to access my account or funds. My card is getting declined intermittently. Have tried calling multiple times with no luck getting help. I think I am up to like 20 or 30 times calling now. They claim there is technical issues with the call center but one time I called in and got someone. They could clearly hear me and I made no mention of Simple. I said I just needed help since my debit card would not work. They said they would be happy to help and then when I said it was tied to the Simple transition they said Oh and then it clicked dead. Looking online I am not isolated in my issues but this is getting insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting. I have consulted with the Attorney General of California and have found that this account is past the statute of limitations. I do not owe this debt and it needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Several Credit inquiries I don't recognize.

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 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XX/XX/2021, I set up a new payment plan. At that time my bill was {$8700.00}. In the mean time I recieved some money so I paid them {$1000.00}. A few days past by and I call to see why my balance has increased. The representative told me that all of that money would go to interest intrastate of the balance. I told her they were not trying to help people. I asked to speak to a supervisor, if course one was not avaliable. I have not heard from them. Now my payment is suppose to be {$230.00} for 3 months not {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is regarding the Simple bank to BBVA bank transfer. 

I'm sure you're aware that BBVA transfer went horribly wrong and there's no way for me to access my funds. They have said they offer phone support, but there is none. 

I want to move my money to a more stable location, but they won't allow us through technical incompetence. If I ever get a chance to move my money, they will charge me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent letters disputing inaccurate accounts on my credit report. It's been passed 30 days now and I have received no response. My disputes are not being processed and section 611 ( a ) states that a failure to investigate these items within 30 days means these disputed accounts should be automatically deleted from my credit report. My information was also affected by the Equifax data breach and may have fell into the wrong hands. I would like to resolve this without escalation so please remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been late before for a very long time, so I talked to someone in XX/XX/2021 the first time and told them that I was late because I'm unemployed and I will try to get the money, I did receive the and sent it but they reported it to the credit bureaus. I called again XX/XX/2021 and asked why did they report me if I'm having a hard time to pay and I did state my condition, but the lady said that I am current now on my payment but I told her that's not the point of have been called constantly from day end and day out for non payment so I would block the number but they would call on different other numbers. And she said that there is nothing that she can do since they have reported me to the credit bureau. Now this has dropped my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called BARCLAYS BANK DELAWARE Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this BARCLAYS BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX  accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.

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 2021-05-10 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX XXXX has indicated on my credit report that I was 60 days late. No, I one again was not late XXXX was in litigation with them because they charged me for a product I never received. By the way, I won this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The bonus terms were : Get a {$750.00} bonus if you deposit {$50000.00} or more in new money within 15 days of account opening, maintain an average balance of {$50000.00} during the maintenance period and make 5 qualifying electronic payments -- -- -- -- -- -- -- -- Did not get bonus of {$750.00} inspite of completing all requirements and calling up the 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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am filing a complaint about my checking account with TDBank, a bank in which I have been a customer for over 30 years. 
On XX/XX/2021 my phone was hacked and two XXXX transactions were sent from my account to an unknown person. 
I immediately filed a complaint with the bank ( in person ) and was made to change my checking account # and that the claim would be denied due to it being authorized by my phone. My phone was hacked that is why. 
Since that time I have called the bank and sent them a letter of complain which I will copy here and every time I am given the answer that that claim was denied because I authorized it from my phone. I have followed up with a representative at a branch in XXXX who was very helpful and filed the complaint 2 more times with the same result. I Obtained a police report to prove that the money was sent to nobody I knew. 
I am attaching the letter I sent to the bank 2 months ago with all the pertinent details. 
See attachment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: IL

Complaint narrative:
i tried to send money with worldremit in the amount of {$1200.00} on XXXX XXXXthe money was taken out instantly from my debit card but later got a message that it was cancelled so i will get a refund in 7 working days. I waited after the 7 days as promised and called back only to be told that now they can't tell me when it will be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have been receiving repeated robocalls from phone scammers, pretending to be with a legitimate debt collection agency ( Portfolio Recovery Associates ). I have a robocall blocking app for my smartphone that blocks the call, and I XXXX the phone numbers that I receive. They all are listed as 'scams ' on XXXX XXXX verified scam and robocall websites XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
A creditor had a charge off XXXX XXXX  and they sold my information to ability recovery services. Now they have put this debt on my credit for again until 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 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I sold my car on XX/XX/XXXX. A Cashiers Check # XXXX was issued to TD Auto Finance on XX/XX/XXXX in the amount of {$12000.00}. Later, I received a bill from TD Auto Finance and I noticed the payment had not been posted. So, I called my bank and found out that the Debit to the Cashier Check had not cleared and I was informed by them that it was most likely lost in the mail because it was over a month it had been sent to TD Auto Finacne. I called TD Auto Finance and sent them over the bank credit copy of the cashier check that was issued to them on XX/XX/XXXX and we both agreed it must have gotten lost in the mail. I spose with XXXX XXXX a manager there and he said they would honor the payoff if I faxed over all the information for him to see. ( Bank Credit Copy that was issued to them on XX/XX/XXXX, Stop Payment of Cashiers Check and Reissued Cashiers Check ) I did do that and have all the documentation to prove it. Today, XX/XX/XXXX I received a bill from TD Auto Finance for {$59.00} that included a late charge. When I called I was on hold for 30 minutes before a representative said I had called the wrong number she could not help me any further. So, I called the number she gave me and it was the number to the Charge Off Department which my loan is absolutely NOT charged off so they told me I had called back the department I previously called. Once I called again I was transfer again and then transferred again to a manager who I either became disconnected with or was hung up on. ( I will go with the positive and hope I was just disconnected ). After that I called back and just paid the {$59.00} because I was not spending anymore of my time on he phone with no one that could help me. I just fee that I was lied to as a consumer by being told they would honor my payoff when they ended up charging me a late fee and additional interest. I have not checked my credit report as of yet but I'm sure this late payment will reflect negatively on my report and I feel as though this is not my fault because I contacted the company and sent them all information they asked for. Thank you for your time in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
Dovenmuehle Mortgage was the servicer of my mortgage until some time in XXXX. They sold my mortgage without notice to me. I went to modify my mortgage payment amount and realized that I could not. I emailed them in XXXX to ask about why I was receiving paper statements and that I needed to adjust my payment amount due to updated escrow ( I pay extra ). They took over a week to respond to my email, and that after I had already called them. I spoke with a lady that tried to walk me through the process and when it didn't work, she had to put me on hold for 1/2 hr to find out that my loan had been sold. I received no information from Dovenmuehle until after my next payment was already due. Since I hadn't received any info from the new place either ; as they would not receive my info until after the payment due date, I was unable to handle my mortgage payment until 1st hearing from the new company. The last payment date to Dovenmuehle was XX/XX/2021. No notices are available online about this sale either. When they finally responded via email, again, there was no info about the fact that my loan had been sold and just a walk through of the process online ; which was disabled because they were no longer servicing my loan. When speaking to the lady on the phone, she told my that my bank account info would transfer over and the payment would process before the due date ; which was not true. None of it transferred over. Good thing I was on top of this process. Had I hoped for it all to efficient and correct, I could've been late on my payment.

Company response to consumer: Closed with explanation