vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I do not have an account with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my Home Equity Line of Credit. I requested a forbearance for a period of 6 months. At the time of my request, my Home Equity Line of Credit was current. In my letter, I agreed that the account would be restricted from further line of credit draws while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. I was transferred to several departments with no resolution. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Around XX/XX/XXXX I began receiving authorization codes from my bank on my mobile phone. I would text back the answer to the questions they were requesting I answer. After the third time this happened I called the banks mobile website department in an effort to find out why this continued to happen. There was never a response to my request of questions. Then in XX/XX/XXXX I noticed unauthorized charges on my mobile app that I did not approve, including everything from ATM fees to balance inquiries, to ATM withdrawals of hundreds of dollars ( {$490.00} ) at last count. I filed a claim immediately and the account was closed on XX/XX/XXXX. When the money was transferred from the old account several hundred dollars was not transferred and was left in a closed account that I could not access. I called to check status of claim in order to gain as much information on the charges I could in an effort to investigate on my own to verify what and why this issue was happening. The charges on the statement were listed as ( XXXX # XXXX??? Withdrawal XXXX XXXX ) and when I did an internet search on this info I received only hundreds of fraud related, scam websites. I contacted the bank after I received a letter that the claim was denied. I then asked to be provided the information and records of the steps taken to investigate the problem and where the. Merchant was located, what type of charge it was were they all from the same area and were they related to the unknown authorization codes I had been receiving? Three requests were made on three different calls and still never received any info I had asked for related to my claim denial. I asked for an extension on the claim timeline in order to give me time to receive the paperwork and have time to research the evidence given from their side. I have no other avenues to pursue as to my knowledge and would like advice on how to proceed whether it be legally or intellectually discussions. The latter seems fruitless. I am against a time restraint and need immediate help as my money is still in the closed account, the account is listed as being in the negative {$880000.00}. Thats correct XXXX XXXX and XXXX XXXX XXXX dollars which has been getting emails sent to me from credit agencies about the negative impact this is having on my credit. Why will they not just provide my request for info? Isnt it required thru regulations E of the Electronic Transfer Act? I will be glad to provide screenshots showing above info, however at this time I need to insure all personal info has been deleted from shots before uploading. Thank you in advance. Not you Bank 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 2021-03-29 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the XXXX pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
I been sending dispute letters about a medical collection by certified and return receipt thru the united state postal service and the collector RGS financial never send me the validation papers request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
applied for a XXXX XXXX card. I was approved, and the agent, at the end of the call asked me if I wanted the " Account Assure Debt Cancellation '' on my card. If I lose my job etc, it pays off the card. I said no at LEAST 4 times, but she was relentless. Once she said that I would have to physically sign and return a letter to accept it, I said OK. When the letter arrived, I promptly shredded it. I pull up my statement today, and find on XXXX, they charged me {$3.00} for this, even though I never signed and returned the approval letter. I have tried to contact them and when I explain the problem, they say they need to transfer me, and then promptly hang up on me. It was also stated to me that if I accepted it, the fee would be 1 % of my account balance as of my statement date. the charge they put on my account is 1.9 % of my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Since the begining of 2020 i been try to resolve this matter but the company XXXX XXXX is not willing to help me and since about 6 month they start to impose a fee increasing the amount that they said i owe wich star as XXXX and now because of all the fees that they are adding in violation of the contract is more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the covid19 pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Company continues report inaccurate information on my report as well as use stall tactics, This company have requested identification information on 3 separate occassions and I have complied with each request and yet they ask for the same info again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I opened the HSBC Gold Credit Card in early XXXX to do a balance transfer as they were offering 0 % interest with no balance transfer fee if the BT was done within 60 days of the account opening. I was approved for a line of credit for {$8000.00}, and I authorized a balance transfer of the entire {$8000.00} on XX/XX/2021. At that time, I put the account on autopay for the minimum payment. I checked my account on XX/XX/2021, and HSBC charged me {$320.00} fee for the balance transfer. I called HSBC and was transferred several times, and representatives all refused to reverse the fee OR to reverse the balance transfer transaction. HSBC claims the 4 % fee was disclosed to me- which in all of the documents I reviewed no where did it state a 4 % fee. Additionally I completed balance transfer online, so had there been a fee to be charged, the system should NOT of let me balance transfer the entire line of credit, as now I am {$320.00} over my approved line of credit and subject to an over-limit fee. 

Finally when I claimed UDAAP and CFPB, they said that I could pay off the entire {$8000.00} and they would submit for a possible waiver of the fee. Supervisor XXXX stated that she can waive the fee only after full $ XXXX was paid. I authorized a check over the phone for the balance transfer amount ( reference # XXXX ). XXXX said she will waive the balance transfer fee and OVL fee after the payment posts. This is not acceptable they were not able to cancel the balance transfer fee or reverse the balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( Toyota Financial ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( Toyota Financial ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Received a KingSize XXXX and XXXX store card by Comenity Bank. My forst order I placed showed up as the wrong size, so I initiated a return online and returned the merchandise for a refund. I didn't want to pay the {$170.00}, since I was receiving a full refund, so I waited until the return was credited to my account. The refund came after the statement date, and they only refunded {$150.00} No one can tell me where the other {$23.00} is and why it hasn't been refunded to me. I then placed another order in the amount of {$100.00}. 
My new statement came out XX/XX/2021. On XX/XX/2021, I received 5 calls from 3 different numbers ( XXXX, XXXX and XXXX ) that all came back to Comenity bank. The calls were " dead air '', just silent on the other end and they hung up about 10 seconds after I answered them. On Sunday, XXXX, I received 5 more, The first at exactly XXXX, the rest all before XXXX. All of these were dead air as well, and they were from XXXX, XXXX and XXXX all of these numbers are shown as coming back to Comenity bank. I called the XXXX number for customer service on the card, ( XXXX ), and was told there was no one that could help me until XXXX Monday thru Friday. This is pure and simple harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
1. I refinanced my XXXX mortgage with Guaranteed Rate. Closing date was XX/XX/XXXX. 
2. Two payment vouchers for the XX/XX/XXXX and XX/XX/XXXX payments were provided at closing. 
3. I mailed the XX/XX/XXXX payment on XX/XX/XXXX with XXXX check XXXX for {$3000.00}. The memo field on this check noted : 'XXXX  XXXX payment '. 
4. With the same mail I sent XXXX check XXXX for {$3000.00} for the principle only. The memo field on this check noted : 'principle only '. 
5. During this time, without my knowledge, Guaranteed Rate sold this mortgage to XXXX ( now XXXX  ). 
6. I learned thru the information that XXXX ( XXXX ) provided to me after the sale that the incorrect balance was transfered to XXXX ( XXXX ) because the {$3000.00} from check XXXX were not applied to the principle but handled as a regular mortgage payment. 
7. I called and spoke to the call center staff at Guaranteed rate on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was assured that the mistake will be corrected and communications with XXXX ( now XXXX ) will take place in order to apply the principle only payment retroactively to XX/XX/XXXX ( the day Guaranteed Rate processed the check ). 
8. Guaranteed Rate : tel : XXXX XXXX. XXXX ( now XXXX ) : tel : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Hello, I am writing this letter in regards to a bill that I received in the mail from Credence Resource Management in the amount of {$990.00} that was already paid by my insurance in XXXX and I do not owe this debt. Please do not contact me again and try to collect on debt that I do not owe. 

Call documented : XX/XX/XXXX at XXXX : XXXX Spoke with XXXX and provided insurance info. She disclosed that it may take 30-45 days to update the invoice and receive updated bill, and my insurance XXXX XXXX XXXX XXXX will cover the bill. 
Confirmed on XX/XX/XXXX with XXXX XXXX XXXX XXXX that this claim was resolved and paid in the amount of $ XXXXClaim # is XXXX Account # : XXXX Status of account : PAID IN XX/XX/XXXX Thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my USAA Credit Card. I requested a forbearance for a period of 6 months. At the time of my request, my USAA Credit Card was current. In my letter, I agreed that the account would be restricted from further charges while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.

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