vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Bank of America account was fraudulently charged by Bank of America twice in the month of XXXX for payroll fees in the amount of {$26.00} ( XX/XX/XXXX and XX/XX/2021 ). Bank of America collected said fees twice from my account. I called 3 times to have this addressed. The first time I was routed to XXXX  even though I told the Bank of America person that my payroll is through Bank of America and it's partner in crime, XXXX. The second time I was routed to XXXX, but it was after hours. The third time the call took 52 minutes and at the end of the call I was told to fill out a form to request a refund and that that they would email me the form. The form said that the claim had to be made within one day of the incident taking place. The incident took place in XXXX and it is not XX/XX/2021. The Bank of America persons said that the " system '' charged me twice. This means that millions of Bank of America customers have been charged by the " system '' twice in this way. Bank of America has had a month to get this resolved and to refund the funds to customers and has failed to do so. Bank of America has failed to notify customers that Bank of America payroll service has double charged it's customers. This is theft.

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 2021-10-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX and Experian are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but XXXX and Experian seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.

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 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally sent me a bill statement in the mail XXXX saying i owe a alleged debt of XXXX. I sent them a letter back XXXX telling them that they claim is disputed also asked them for validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Ally did not respond to my letter keep sending bill statements. Also Ally put this on my Credit profile which is damaging my credit and hurting me as i try to apply for a house.

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 2021-10-18 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: MoneyLion Inc.
State: GA

Complaint narrative:
I recently reached out to you MoneyLion, to ask that they remove themselves from reporting to the credit bureaus on my behalf, since Ive paid them in full last year, and the account being closed. This is negatively reflected on my credit reports, and in doing so, I reached out to ask that they please remove themselves as a good faith effort, but I was told that they are required to report this information for an unknown length of time. At this point, they are not cooperating with removing themselves, and choose to continue to report this information monthly. This is preventing me from being able to acquire credit, and purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Medicaid was willing to pay for the debt when I first started to receive the mailing bills from the doctors 2018 ( my lawyer instructed me to be seen with ) I call the doctors and explained that Medicaid wanted them to get in touch with them to pay for the bills the doctors told me they didn't want Medicaid they want cash money I explained I'm on a fixed income on SSI XXXX so I called Medicaid back Medicaid said they can't do anything unless they were willing to contact them so on that note the bills went to collection agency AARGON the amount at the time {$4900.00} was the debt I check my credit history and the Amount change to $ XXXX.my lawyer was representing a slip and fall

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 2021-10-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company Toyota MTR Im not sure who that is since they told me it was Toyota financial well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XX/XX/XXXX. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I own a XXXX credit card. XXXX is backed by XXXX XXXX. Since XXXX they have been stealing my payments under the impression of them being late. Clearly it is an error on their part. All my payments have been early and above the minimum required payment. They refuse to make the corrections and credit my account. I made one attempt in XXXX to pay this fictitious lateness. It didnt matter each following month they continued their thievery. Now theyre offering a new deal. Pay another late fee and the card will be clear. Forgive me for not believing them. No mention of the previous stolen deposits was offered. Theyve admitted the error but never the proper solution.

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I have received at least 8 letters in the mail during the last couple of weeks. These letters are from local law firms stating that I have been sued by a company called Velocity Investments. I have no idea who this company is, what debt they are referring to, what amount, etc. Yet, I am getting these threatening letters in the mail almost on a daily basis. I have reached out to each of the law firms and asked them to remove me from the mailing list. I am the victim of identity theft so I have been down this road before. Debt collectors with harassing calls, texts, and letters for a debt that is not even mine. I even had one company show up at my door to say I got served. I've had companies threatening to call my job. This Velocity investment seems to be another in a long line of scam companies.

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 2021-10-18 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/2021 - Account Modification Approval Notice received. Initial payment of {$790.00} required by XX/XX/XXXX. This payment was made on XX/XX/XXXX via cashiers check and deposited by PHH on XX/XX/XXXX. This was XXXX payment # 1 under the agreement. Copy provided. 

XX/XX/2021 - " fully executed '' agreement received. Copy provided XX/XX/2021 - Payment of {$790.00} via XXXX XXXX online banking. See Account Transaction Detail Report. This was XXXX payment # 2 under the agreement XX/XX/2021 - Received letter from " XXXX XXXX '' stating that my loan was not eligible for modification because I did not make the initial payment on time. 

XX/XX/2021 - I complained XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX XXXX online banking. This was XXXX payment # 3 under the agreement. 

XXXX XXXX - PHH reversed my XXXX payment. XXXX notified me so I purchased a cashiers check to send in. 

XX/XX/XXXX - Received email from PHH stating the modification cancelation was in error. 

XX/XX/2021 - PHH recredited my payment so I redeposited the cashiers check to my account. 

XX/XX/XXXX - Received email stating that I owed {$48.00} from BEFORE the modification and the modification could not be completed until I paid it. I protested but eventually paid it just to shut them up XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX online banking. This was XXXX payment # 4 under the agreement, XX/XX/2021 - payment of {$790.00} sent to PHH via XXXX online banking. This was payment # 5 under the agreement. 

I am up tp date and current, 5 months, 5 payments. This company constantly holds, reverses payments to make me appear late.They always show my account as past due even though payments were made well iin advance, See screen shot of website. During all the reversal and payment manipulation in XXXX I became so overwhelmed, stressed, and upset I had to be taken to the hospital by ambulance and admitted. I should sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Every 6 months for the past 2 years, Waypoint Resource Group of XXXX Texas attempts to collect a 5 year old {$100.00} debt to Comcast ( which I was told at the time that I will not owe ). Their method of contact is to " ding '' my XXXX Credit report without contacting me by any other means, ie ; mail, phone, email, etc. 
I contact them ( on a recorded call ) and attempt to settle the debt which is refused. After several weeks they are removed from my Credit Bureau. Like clockwork, 6 months later the same thing occurs. 
I feel that this is harassment at the very least. 
I have worked diligently for the past 3 years to elevate my credit score, only to have it take a 27 point " hit '' every 6 months. Please make them stop this harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SSN:XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : XXXX XXXX, XXXX XXXX, XXXX SHABAYY, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and TransUnion has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that TransUnion can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that TransUnion remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that Statute in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.

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 2021-10-18 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: TN

Complaint narrative:
I have contacted all the Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX, XXXX Auto, XXXX/XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-10-18 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: NJ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX XXXX. I called Experian and was trying to explain that I need an address removed from my profile. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX ( Multifamily ) I do not recognize the account, XXXX it got XXXX XXXX XXXX XXXX? They had no idea why I am calling I explained they never heard of me. Experian claims this account is associated with a creditor and would not say who? I need help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX This account is paid and resolved and settled. They will not entertain anything to remove it. Please help! 
Regards, 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 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Leaders Financial Company
State: NJ

Complaint narrative:
I, XXXX CALLENDER HAVE NEVER MISSED MY CAR PAYMENTS THRU OUT THIS
 ENTIRE LOAN. ACCOUNT # XXXX, VEHICLE FINANCED, XXXX XXXX XXXX. LOAN  RECEIVED XX/XX/XXXX XXXX THRU (XXXX XXXX) AND THIS COMPANY (LEADERS FINANCE). I WOULD CORRESPOND WITH XXXX) IF I WAS HAVING A PROBLEM WITH MY ACCOUNT. THE STAFF HAS ADDED UP TO XXXX IN SO CALLED LATE FEES THAT ARE NOT CORRECT.

THEIR ADDRESS IS XXXX XXXX XXXX XXXX XXXX
CXXXX, NEW JERSEY XXXX.
XXXX

WOULD LIKE THIS ACCOUNT FIXED AND THE INCORRECT INFORMATION TAKEN OFF OF MY CREDIT.

PLEASE ADVISE,
XXXX CALLENDER
XXXX XXXX XXXX FL. XXXX XXXX XXXX, NJ 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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Was informed by XXXX that company sold debt to Jefferson Capital. 

A debt validation letter was sent to this XXXX explaining that Consumer was the Original Creditor and to produce a contract between Consumer and them that gives them grounds for collecting a debt form Consumer ( U.S vs Throckmarton, 98 US 61, at pg. 65 ) Consumer has no contract with this thirds party debt collector. XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX failed to let Consumer know how much the debt was sold for, and if the debt was assigned to a third party, Jefferson Capital and the Consumer have a right to know what their commission. A Cease and Desist Letter was also sent to XXXX 15 USC 1692C ( b ). Consumer is not allowed to have or purchase Consumer information without consent. This is an infringement upon Consumer Right To Privacy. XXXX states " This is an attempt to collect a debt and any information obtained will be used to do so ''. 15 USC 1692e ( 11 ). Additional Violations 15 USC 1692c 15 USC 1692d 15 USC 1692e 15 USC 1692f 15 USC 1692h 15 USC 1692j 15 USC 1692k

Company response to consumer: Closed with explanation