vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BEWARE of banking with BBVA Compass!!! Inefficient processes and lack of follow through by staff leads to poor service and financial harm. To whom it may concern, it is with great frustration and disappointment that I bring this complaint to you regarding unfair treatment, inefficient policies that have caused financial harm to me by BBVA Compass. Due to incompetencies in their systems and operations, my financial credit has been hurt by their unfair report to the credit bureaus. 

Prior to this incident, I have been a faithful customer at BBVA Compass for over 3 years and have multiple business lines with them. On XX/XX/2019, I met with representative at the BBVA Compass branch on XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX branch to take out a business loan for a purchase. He recommended a combination of products in other to get to the amount needed. During the loan application, I asked XXXX to help me setup all the loans on auto draft so that all the payments due would be drafted from a business checking account I have with them. 

The problems started several weeks later when I found out the payments had not been setup on auto draft as requested and I was getting charged late fees. I had a business checking account with BBVA where I wanted the funds to be drafted from and the account had enough to cover all the payments. I reached out over 6 times, went into three different branches, met with a branch manager and no one could figure out how to setup the payments from this particular loan. 

Finally I was able to meet with a business banker who was able to help me resolve the payment issues. However by this point, the damage was done. BBVA Compass had reported deliquencies to the credit bureaus damaging my credit even though I had accounts with them with enough balance to cover the payment and I had made many attempts to make the payment. I was also charged several late fees and I was able able to get a refund on some of the late fees. However my credit has been tainted. 

I've been to two branches to discuss how to resolve the issue with the credit report. I was supposed to have a branch manager and then client care follow up with me and its been over a week and no call from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was never late on my account with Toyota Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: GA

Complaint narrative:
My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: CO

Complaint narrative:
XXXX XXXX has been harassing me stating they overpaid me on a sale of tickets. I have proof that the amount paid was the correct amount that I sold the tickets for. They state they overpaid me by {$110.00} and have now turn this over to a debt collection agency. This is completely a false and bold lie on the part of XXXX and the debt collector trying to get {$110.00} from me. The debt collection agency is Trueaccord and the person who sent me the false email is XXXX XXXX The last photo is the transaction is question. It shows the amount that was paid to me from XXXX of {$76.00} which is the amount i sold the 2 tickets for. XXXX claims they overpaid me by the {$110.00}. This is a 100 % false lie. More proof can be given and shown when requested. XXXX and true accord are are attempting to collect monies not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: RI

Complaint narrative:
We have recently refinanced to a new mortgage lender. During that process we discovered that Flagstar bank has put a freeze on our escrow and stopped making Tax and Insurance payments. We called several times to request that they make both tax and insurance payments and get sent in many different directions with different answers. Finally after several phone calls the taxes have been paid ; however, the insurance remains to be paid. Calls have been made to Flagstaff almost daily for over a month and each time the response is different, including we have sent the check overnight, we will send the check, we have sent the check, we won't send the check we are just sending you the full remaining escrow and you can pay the insurance. We have gone in circles with no answers and no resolution and stand to lose our homeowners insurance coverage. Every person I've spoken with at Flagstaff tells me a different story and tells me the last person I spoke with gave me bad information.

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 2020-02-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Good morning, I have a fraud charges I reported on my XXXX  rewards visa card ending on XXXX. I have charges internationally from XXXX XXXX and one for an airfare they were saying that may email and passport confirmed the air ticket for my family members but even my family members did not go out of the country those dates. My email and passport and compromise. I have sent XXXX fraud department a copy of police report, my attendace sheet at work, and other supporting documents but still they are still not giving me a fair decision. The fraud claim amount is around $ 700.xx. Can you please help me with this situation.

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 2020-02-06 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:
I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX'>< XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, 'XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.

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 2020-02-06 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 have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'>< XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 'XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.

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 2020-02-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: GA

Complaint narrative:
My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: BANK OF THE WEST
State: CA

Complaint narrative:
I was never Late on my Account with Bank of the west

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 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Company violated my rights by law. By reporting an owed amount from my bank account as a credit issue then sold it to an outsource company called XXXX XXXX now its uses as a derogatory mark on my credit, which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
Torres Credit Services continually calls my phone without leaving a message. I do not know what this is pertaining to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My mortgage company ( Myloancare.com ) Loancare LLC, was supposed to send a check to my insurance company ( XXXX XXXX ) for my homeowners insurance. The check was in the amount of {$3200.00}. However XXXX XXXX claims they never received the check. When I spoke with Loancare they claimed they sent it and they didn't know what happened to it. In the mean time, my insurance was going to be canceled so Loancare told me they would take another {$3200.00} out of my escrow to pay the insurance. I said, why doesn't Loancare take it out of their account since it's their mistake. Don't they have insurance for this??? They told me if I didn't pay it my homeowners would be cancelled. I want Loancare to assume responsibility for losing my escrow money. I should not be charged for their negligence.

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 2020-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I'm on a deferred payment plan t never ; late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
XXXX  is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

XXXX  is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from DESIGNED RECEIVABLE SO that was sold by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XX/XX/XXXX : I was contacted for the first time regarding this debt. According to XXXX XXXX ( XXXX XXXX ), I owe {$610.00} for an account that was opened in XX/XX/XXXX. I informed XXXX XXXX that I did not have an opened XXXX account and I never shopped at Backcountry nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested XXXX to run an investigation. 

I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions. 

I waited 90 days, recontacted XXXX XXXX to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud. 

On XX/XX/XXXX, ( The first time contacted ) Midland Credit Management sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ). 

On XX/XX/XXXX, I contacted Midland Credit Mgmt to inform them that this account was found fraudulent and closed by XXXX XXXX. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department. 

I requested contact information on the account, most of the information was correct, I informed him that XXXX requested correction to the account information so they could run an accurate investigation. 

XXXX ( investigation dept ) listened to me reading the letter of XXXX investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over XXXX or XXXX, he was a little confusing to talk to. Once again XXXX stated they need to run investigation. 

At this present time, I am waiting for Midland investigation findings, I do not know why another investigation needs to be performed when the original creditor ( XXXX XXXX ) already found the account to be fraudulent, clear of debt, and closed. 

I am attaching the XXXX fraudulent findings letter and Midland Credit Mgmt letter. 

Thank you for any assistance you can provided to solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: FL

Complaint narrative:
I am requesting to remove the bankruptcy from my credit report because that on was to old and you supposed to removed a long time ago. 
Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2020-02-06 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: CA

Complaint narrative:
I've recently checked my credit report from Experian, XXXX, and XXXX   and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX  XXXX XXXX fraudulent account ( Acc no : XXXX ) was disputed and deleted in XXXX of 2019. However, Experian, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying me.

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 2020-02-06 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: CA

Complaint narrative:
Experian is in violation of my HIPPA rights. 

XXXX XXXX XXXX is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

XXXX XXXX XXXX is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

Experian is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from XXXX XXXX XXXX that was sold by 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