vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2022 I sent Barclays a negotiable instrument ( postal money order ) as a tender of payment in accord and satisfaction to settle the account balance for my accounts ( U.C.C. 3-603 / U.C.C. 3-311 ). The postal money order had a conspicuous statement written on it notifying Barclays of the negotiated contract that I, as a consumer, have a right to exercise. Barclays accepted and cashed the money order. However, they failed to satisfy the account. In return, I mailed over a notice of demand on XX/XX/2022 to inform Barclays that my account needed to be fully satisfied as well as reported to the credit bureaus without penalty that the account is in full satisfaction. I received an email on XXXX 2022 that an investigation was opened. I did not request an investigation. However, I have not heard back from Barclays regarding my payment. The default rule under contract law for determining the time at which an offer is accepted states that an offer is considered accepted at the time that the acceptance is communicated. I have tried resolving the issue with Barclays via letter, mail and phone. I was told that someone would reach out to me since the agent did not have knowledge of my payment. I believe the ignorance of the agents regarding the law is the reason why my issue has not been resolved. I have been penalized due to Barclays reporting to the CRA that I have late payments on an account that has already been fully satisfied as well as have a balance remain on the account.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Today, XX/XX/XXXX, I received an email from Barclays regarding my XXXX account monthly payment. It stated the payment due was {$630.00} with a due date of XX/XX/XXXX. 
The usual monthly payment is {$29.00}, so this was highly suspicious. 
I logged into the website to look at my account and there was a charge labeled " PROMO RATE CORRECTION '' from XX/XX/XXXX ( posted on XX/XX/XXXX ) for {$610.00}. Looking at the charge details I saw that it said it was authorized by me. 
I called their customer service and was told that it was from accepting a 0 % apr promo. I asked for an explanation of how accepting a reduced interest rate resulted in a {$610.00} charge. The agent got their supervisor who then stated it was a system glitch. 
I asked her what had glitched to get this very exact number ( 50 % of the account balance ) she stated she did not know but that since I had not authorized it, it was going to be removed from my account. 

I called their complaint department directly after hanging up and this agent told me this glitch had happened in early XXXX. She stated Barclays was working to refund these amounts. I asked her why I had not been informed at all- and if I would have been if the email hadn't raised concerns.

Her response was to say they would send me an explanation in 7-10 days. My worry is that they are defrauding anyone who agreed to 0 % apr and only fixing the accounts that notice.

It feels illegal for them to add bogus charges to accounts without alerting the customer and offering a detailed breakdown of the charge.

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 2022-03-31 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: United Group Inc.
State: OR

Complaint narrative:
The car was auctioned for {XXXX} we Only owed XXXX dollars The finance company is lying about the amount they received in the amounts that we

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to Navient regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from Navient in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and 2 in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
XXXX XXXX jail they put XXXX on my credit report told me I have to paid them because they took over the debt I didn't no knowledge of this was going to in facts my credit score. They put this on my credit without my knowledge didn't know nothing about into I talk to a private company call Allstate bureau they told me I got paid them or this will keep hurt my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in XXXX. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company NCA seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/21 I recevied a call from someone posing as a XXXX XXXX employee. He notified me that my electricity was going to be shut off in the next XXXX minutes if I was unable to get my balance up to date. I agreed to pay what was due. He put me on hold and came back saying theire systems were down but could not stop the shut off unless I could pay at a nearby XXXX XXXX office or by a mobile payment to an account number he gave me. I was not near a XXXX XXXX facility so I agreed to pay through XXXX. I made what I thought was XXXX payment but then quickly saw tow additional payments come out of my account. I alerted Bank iof America within minutes. I have attached below the letter from the bank. {$7000.00} was taken from me. I have bank with Bank of America fro XXXX years and feel they are not taking any responsibility that XXXX of there tools was so easily used to streal from 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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MT

Complaint narrative:
I took out a new home mortgage with XXXX out of Connecticut on a home I own In XXXX 18 months ago. I was soon thereafter sold to a second company, XXXX out of XXXX, North Carolina. 3 months ago XXXX sold the loan to Fifth Third bank out of XXXX. I attempted to refinance the loan with Fifth Third but they tell me they aren't able to do that because they are not licensed in Connecticut. For me to do that, I will have to find a different company in Connecticut. This will entail significant time and expense to me. 
My complaint is the buying or selling to an unlicensed company that is not able to fully service the loan adding to my expenses. I have tried contacting the loan department at Fifth Third but get only an apology, no resolution. Perhaps the commplaint is against all 3 companies. Advice? 
Thank you, XXXX XXXX property address XXXX XXXX XXXXXXXX, CT XXXX my residential address XXXX XXXX XXXX, XXXX, Montana

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have contacted Midland Credit Management at XXXX. 
explained to them that these XXXX debts were settled in my bankruptcy case # XXXX in XX/XX/2013. These keep appearing as judgements still not settled on my report. 
I need these debts to be removed from my report and would like a letter stating they were settled. 

MCM ACCOUNT # XXXX MCM ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: MI

Complaint narrative:
As I reviewed my recent report, I have found some erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: LEXISNEXIS
State: OR

Complaint narrative:
The car was auctioned for {$8900.00} we Only owed XXXX  dollars The finance company is lying about the amount they received in the amounts that we

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm a XXXX. customer of Bank of America and have a Preferred Customer classification with BofA. On XXXX XXXX I started the loan process to obtain a loan for {$89000.00} to purchase a second home. I had already deposited {$22000.00} with my escrow company to purchase a second home. On XX/XX/XXXX BofA provided a loan estimate. I worked with their local credit solution advisor ( XXXX XXXX ). After several discussions with the bank, they told me the home I wanted to buy was too close to my existing residence. It would have to be an " investment property '' requiring the 20 % down payment with the escrow company. BofA quoted me estimated closing costs of {$6800.00}. After several more document requests and few answers why they considered my loan an investment property they up the closing costs to {$10000.00} for {$89000.00} XXXX. loan. My complaint is Bank of America 's online process provided little guidance on why they need so much documents, many they already have. And little explanation why they changed their original estimate and up the costs. They also quoted me and obtain an appraisal fee of {$950.00}, other lenders were charging {$650.00}. My BofA credit advisor told me they charge more because they require faster service from their appraisal partners. I paid my appraisal fee on XX/XX/22. I'm still waiting for the appraisal report ( XX/XX/22 ). And due the delay, by BofA, the seller has to pay an added " padding '' fee to escrow company and a delay in closing of the loan. BofA is unprofessional in providing information on specific loan questions, I requested and explaining added charges. I am XXXX and wonder if BofA is discrimating against me or they system is flaud and their staff is not properly trained. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found some erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found some erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to TransUnion to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items :

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I attempted to rectify my debt with XXXX XXXX XXXX XXXX. I called XXXX XX/XX/2022 to speak to representative about settlement. Company has all out of date information including phone number, email, and address. Company offered a verbal settlement but when asked to send an offer via U.S mail, company would not oblige. The company said I must pay first before seeing a statement. The company communicated that I owed over {$1300.00} but on my XXXX report, it only shows {$1200.00}. This was very alarming. I was told I must update my email address. I declined as they stated that once settled, I would never be able to open an account with them. I was told to update my email address online. I asked for the information to be sent via mail but they declined. I believe this company is involved in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX WAYFAIR IS REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT> I DIDNT OPEN AN ACCOUNT WITH XXXX WAYFAIR< NOR DID I AUTHORIZE ANYONE TO DO SO ON MY BEHALF. I LEARNED OF THE ACCOUNT 'S existence when my mortgage company informed me that I have a derogatory reporting. I am very vigilant about paying my bills on time, and I know for a fact this account doesn't belong to me. Please see the attached FTC report and my driver license and remove it from my credit

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I closed an Ann Taylor account several years ago MYSELF and XXXX just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2021 we leased a XXXX XXXX from a dealership in XXXX. We have excellent credit and without consulting us the dealership chose Ally Bank for use & we didn't have a say. 
We didn't know our loan was assigned to Ally Bank until we received the first bill about three weeks after closing with the dealership. no one explained anything to us nor gave us any instructions, not the dealership & not Ally Bank. 
About 2 months ago the XXXX  was stolen and we were working with our insurance adjuster. The adjuster called Ally Bank and asked for our loan pay off but Ally Bank refused to provide him with the information. We then tried calling Ally Bank ourselves, asking for the payoff. We spoke to three different departments plus a supervisor and they all refused to provide us with the payoff information of our own loan. 
The reason why they refused to give us our payoff amount is because they wanted to get the highest amount they can from the insurance company. 
We owed Ally Bank approximately $ XXXX  and the insurance company not knowing our payoff amount offered us {$62000.00} to settle the insurance claim. But then we received a call from Ally Bank stating they would get the full {$62000.00} amount and we would get nothing. they relayed that they owned the vehicle, not us, and is why they would receive the entire amount from the insurance company. 
So while we lost an approximate total of $ XXXX, which included the down payment, the added XXXX '' wheels with lift, numerous personal items stolen from inside the vehicle, $ XXXX in monthly payments paid to date and the difference in the current market replacement value we would need to pay for the same vehicle purchased only a few months ago. 
Ultimately, we lose $ XXXX  and Ally Bank makes an extra $ XXXX. Even the insurance adjuster told us, he'd 'never dealt with a bank that takes all the money from their customer like Ally Bank . ' To put it into simple terms, if I had made a $ XXXX  down payment on a $ XXXX auto loan, Ally Bank would still have received the {$62000.00} insurance claim even though the loan amount would only have been $ XXXX. That's exactly what I would have lost in this scenario ( - $ XXXX ). This is what I call fraud. 
Ally Bank is taking advantage of their customers in a deceptive manner and by refusing to provide the payoff, in order to get a higher amount from the insurance company, it definitely feels like fraud. 
So now after losing all of my savings, the $ XXXX  auto investment, I have no money left to buy a new car so I'll have to live without a car for a while. 
Someone needs to put a stop to companies like Ally Bank who are taking advantage of their customers. 
I am hoping you can help us and others like us put a stop to this type of company greed and deception.

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 2022-03-31 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
accordance with fair credit reporting act XXXX  account XXXX has violated my rights 15 u.s.c 1681 section 602 a.states i have the right to privacy 15 u.s.c 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-31 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: PA

Complaint narrative:
PLEASE SEE FTC REPORT ATTACHED

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