vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
On XX/XX/17 I received a loan with a finance company XXXX XXXX, my loan amount and length of agreement were {$410.00} for XXXX months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
BSI Financial is the mortgage servicer. They have collected property taxes into the escrow account, but not paid taxes due to our township for XXXX 2020. The township has sent us XXXX notices demanding the payment plus interest. 

I have contacted BSI financial, both by phone and in writing on XX/XX/XXXX and then in writing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
Yamaha Motor Finance is my servicing finance corporation for a vehicle loan. The dollar amount is approximately {$150.00} and there is reporting to crediting agencies that was inaccurate and based on failures of Yamaha Motor Finance staff, processes, and XXXX XXXX. 
On XX/XX/2020 I was contacted by Yamaha Motor Finance and was notified that my payment had not been made and that it was due on XX/XX/2020. I provided accurate information to the technician and made a payment over the phone. On XX/XX/2020 I was contacted and told that the payment failed due to insufficient funds, that there were now additional fines, and that this had been reported to the credit rating agencies. I was shocked. I had already made good faith attempts to make payments and due to Yamaha Motor Finances ineptitudes, I am now being punished in long term ways. I believe Yamaha Motor Finance is purposefully negligent in its processes, procedures, operation, and XXXX XXXX systems to ensure collection of fees from the consumers they prey upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
Recently received a collection notice from second round sub llc for an account with XXXX XXXX that is not my debit. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
see Equifax attachment please remove it FTC or HIPPS, FCRA violations

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 2020-12-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
see Equifax attachment please remove it FTC or HIPPS, FCRA violations

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 2020-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Today I submitted an application to open a business account with NFCU. My business is XXXX at XXXX whereas we offer XXXX  XXXX  XXXX  particularly for XXXX-XXXX  for a fee. The XXXX  code is XXXX for consulting. The NFCU representative ( XXXX ) told me that is considered " financial '' and therefore, the account could not be opened. I asked why? Since I do not perform any financial transactions on behalf of any business. Reviewing a company 's operations and giving advice ( that may or may not be implemented ) does not constitute a financial business. I asked him what the appeal process is and he stated " there is none '' and that his decision is final. Consulting is not financial otherwise there would not be separate XXXX  codes differentiating the two. XXXX clearly needs training.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Your response was unsatisfactory and goes against my rights under the Fair Credit reporting act. I am disputing my own information on my credit report and I have attached the necessary documents to confirm my identity. Stop the the XXXX. I am fed up! There are fraudulent accounts reporting on my credit report. I have submitted a complaint with the Federal Trade Commission. The report is attached. Under section 605 of the Fair credit reporting act, these accounts need to be removed with 4 business days of your reciept of my dispute.

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 2020-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/17 I received a loan with a finance company XXXX  XXXX, my loan amount and length of agreement were {$410.00} for 35 months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I was a with CREDIT ACCEPTANCE CORPORATION customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XX/XX/XXXX and XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My account was frozen cause of a suspicious Transaction by customer I tried to call and email cash app to let them know about what was happening. Later on someone called me as a cash app rep. Requesting information about my account to fix the problem. I later noticed that all of my money was wiped out please if anyone can help you can email me at XXXX or call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have a very small amount owed due to an overlooked bill for an ER visit in 2018. The balance was turned over to Ability Recovery unfortunately and I immediately responded in 2018 and changed my payments to go to directly to them ( Ability ). I send them something monthly but they will not stop calling me. I make a payment. I am down to only around {$60.00} and I'm set up to pay them {$10.00} a mth. I do not understand why they do the automatic aka rebo calling to my phone almost daily. I need it to stop. I always pay my debts. Always.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
Enhanced Recovery Company is currently reporting a collection to XXXX  and XXXX  regarding a XXXX debt. I have never had an account with XXXX and this is a result of identity theft. I have tried to resolve this issue 3 times with the credit bureaus directly, in addition to submitted a copy of an FTC police report to Enhanced Recovery Company demonstrating that this does not belong to me, yet they continue to report this false debt which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
My account was canceled by Xoom without any explanation as to what i did wrong. 
This is a violation if my rights and i cant adress the issue if they wont tell me in detail what i did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-10 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: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit Control is reporting a debt for an account that was paid. The initial medical provider changed names four times ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX creating confusion & turned the account over to a collection agency. In spite of the account being paid my call to the collection agency, upon receipt of their bill, met with demand for payment + interest in order to delete their credit reporting from my credit bureaus. And I was told if I did not pay the frivolous debt within a couple of hours it would remain on my credit as it would be construed as " Credit Bartering '' if removed at a later date. I did reluctantly pay, to restore my credibility in the credit community, after being assured by XXXX XXXX & her Supervisor " XXXX, '' whom refused his last name, that their reporting would be deleted. I was also told by " XXXX '' that he was deleting the reporting as a courtesy, because of the confusion in billing ( s ) & any refund of over-payment could be obtained from XXXX. This collection account is still on my credit bureaus. This isn't " Credit Bartering '' as claimed would be considered if not paid within hours by Ms. XXXX, nor were their actions courteous as claimed by " XXXX. '' Their actions were tantamount to extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-12-10 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Recently received a collection notice from XXXX XXXX XXXX XXXX  for an account with Victoria Secrect that is not my debit. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
After receiving all three ( 3 ) of my credit reports, I noticed an entry from Consumer Portfolio Services , Inc. regarding a car. I disputed the entry as fraud via the three ( 3 ) bureaus and was referred to the company directly. I sent CPS a dispute letter directly dated XXXX XXXX, 2020. I made them aware that I'm a victim of Identity Theft and that I never opened an account with them. I also requested, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, validation ( that is competent evidence bearing my signature ) showing that I have ( or ever had ) some contractual obligation to pay them. CPS responded with a letter dated XXXX XXXX, 2020. The letter stated the information reported to the bureaus was accurate and included an unsigned contract bearing an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank received my IRA transfer on XXXX XXXX 2020. The same day they received my wife 's. 

My wife received the promised interest rate of .60 % while I received a rate of .50 %. 

I have documented that both transfer checks were received same day but mine was delayed for 3 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Mortgage/Equity was placed on Auto-Forbearance without my permission. I continued to make Interest Only Mo payments as per C.A.R.E.S FHA RULING. 

I have had 10 reveiws for relief by subornination, loss of mitigation, SRCA VET settlement, Balloon, and now a SHORT SALE. WF has ruined my Fico Score to XXXX with Usury Charges. WF tried to balloon me earlier [ 2 mos ] before my XX/XX/2019 matured date? 

Still won't release my Lien after payoff Bal=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 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed both my checking and savings account on XX/XX/XXXX without giving reasonable notice. I called them a couple of times to try to reopen my account and ask for the reason. They said they were unable to do that and they would send me a check for my remaining balance. Then, they closed my credit card accounts on XX/XX/XXXX, once again without reasonable notice. I called their customer service and they said they were unable to provide the reason or reopen my accounts.

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 2020-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter in the mail from Synchrony Bank indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was XXXX XXXX XXXX. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.

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 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
Do not ever do business with Beyond Finance. They tell you they will help you take care of your debt but omitted the fact that their take is 20 something percent. I was not able to ask questions to get information about my accounts. They refused to tell me anything and took over {$3000.00} first without even paying anything towards my debt first. They also refused to tell me anything about my settlements and refused to handle the ones I wanted to first. They never asked me for a proper negotiable amount and they also have made no attempt to make it right with me. They only worsened my problems and I had to take the settlements into my own hands. The day I removed myself from the program, I was able to negotiate all of my debts myself and immediately start paying them. They projected 5 years and more than {$10000.00} more then I initially owed. The problem is every time I asked questions about my accounts or how it works they would say they cant tell me or avoid answering the questions. Not to mention when I signed up I didnt hear from anybody for about a month even thought I consistently called to get answers. Worst experience Ive ever had with a company and youre dealing with someones life. Completely unacceptable

Company response to consumer: Closed with explanation