vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH

Complaint narrative:
We continued to communicate with Nissan Motor Acceptance Corp. they gave us the same answer they sent you. However, we never indicated to them that we did not want them to call us. There was no communication in regards to collection and we had made calls during covid to request forbearance. They told us the car would be repossessed or we needed to pay {$28000.00} immediately. I called and asked to speak with a supervisor again and was finally escalated as they discovered they never sent us a Cure Letter. They told us they would rewrite the lease and it could take 30-45 days for us to receive a new account number. We were concerned as to if this could occur again and inquired where to send payments for each month as they took their time re-writing the lease and to assign a new account number. We just received a new account number today. XX/XX/2021 and have discovered they have tacked on misc fees. My mum is XXXX years old, we have called almost every 2 weeks to keep abreast of why it was taking so long. These fees should not be tacked onto to her account. My mother 's credit has been impacted by this error and after several calls to inquire about making payments, at no time did they request any such fees. I would hate to see what would have happened if we just " waited '' as they suggested for us to receive a new account number. This charge off should be removed and we should have received letters as to when they assigned a new account number prior to this to allow us to make the payments that we orchestrated in their absence of documentation. Please do not accept their reply that we requested for them to place a do not call on our account. The woman who called my mother had badgered her right after she shared she had returned home from XXXX XXXX. There was no request to " do not call '' as stated in their letter to you. I turned to social media as no one was assisting us through Nissan Motor Corp and my mum 's car was going to be repossessed - in error! We are now faced with extraordinary fees as we received their new account number just now 4 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: NC

Complaint narrative:
Equifax - I have sent over 2 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My mother 's information is listed on my credit report. Please remove it!!!

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX & XXXX the collections have been reported as past due balance. I do not know this company. I have never done any business with this company. I have sent several debt validation letters to this company and requested a contract with my wet signature on it to be sent to me to me and they have failed to do so every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY CO L # XXXX I'm unaware of this account debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. If notification was provided, please provide with CERTIFED MAIL RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and removing comments from a dispute : I asked that the comments from a dispute on my credit report be removed. I was assured by the agent that my request was documented and was given a confirmation number ( XXXX ). I requested the comments be removed from all 5 accounts I had open. This was requested on XXXX. I was told it could take up to 30 days to update and I would receive an email confirmation once complete. I questioned if this could be expedited like a request I made on XX/XX/19. That request was processed that day. The agent continued to tell me it could take 30 days. I accepted that response. 3 days later I called back for an update. The agent again stated that he would check on it and again assured me the issue was resolved and I would receive a confirmation email shortly. The phone conversation ended and I check my Equifax account ( I pay a {$20.00} fee per month for their premium service they offer ) and find there was a new dispute investigation request. I was calling for an update on the confirmation number I was given and not to open a new one. I called back to another number I found online ( XXXX ) and talked to a Executive Customer Service rep. He verified my identification by instructing me to open a dispute online to dispute the DOB in my personal file. He told to just update it to the same DOB already listed. He said the reason for this is to update the account as there were no comments in any of the disputes but it still was showing as " under investigation ''. He had me upload my drivers license and social security card to the dispute and then assure me it was complete. I then checked my Equifax account and the account that was opened in error was gone and the request filed on XXXX showed complete. The comments are still appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For over three weeks I have tried to have Equifax remove dispute comments from two accounts on my file. They tell me they are going to take care of it and they would send me an email in 24-72 hours and the comments would be removed. I have waited several days and would not receive any email confirmation. These two accounts on my file I am no longer disputing and would like the comments removed. Every time I call I receive different information from the agents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent over 2 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they 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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Good evening. I would like to submit a complaint regarding the way TIAA bank handled my mortgage buyout. I did not authorize this buyout and I wanted to stay with my lender and mortgage company XXXX XXXX out of XXXX  XXXX. This FL company bought my mortgage out and did not send me any confirmation and all the calls went to my XXXX spam account for fraudulent numbers. I did not know they were buying my mortgage, because I work on the road and was not home, and when I finally figured out they did buy it I was hounded on the phone for over {$3000.00} dollars. I told them my mortgage company was XXXX and they did not care because they needed me to pay my late fee and my 60 day late notice. I paid everything in lump sum and moved on. I did not receive any mail and I did not know what was going on. Please help me take off this 60 day late notice off my credit record so I can get a good refinance on my house and an equity cash out to help fix some of the renovations. I paid this TIAA bank in full and we moved on BUT I did submit a claim with XXXX  and I complained to the TIAA banking manager numerous times to help me take the late notice off my record. I have not missed any mortgage payments since and I am always on time with all my payments. I need my credit record cleaned up because this TIAA bank will not help me and they are making it very difficult. Recently they just changed my account number to a new website/sister company and it is even more difficult to just work with this company. I am changing my mortgage over to a new lender but I do need my credit score fixed before I do so. Thanks for all your help and hopefully we can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX  has deleted. XXXX and Experian have not.

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 2021-04-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX 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. I feel like Im being taken advantage of and being ignored of my disputes. I need this problem fixed asap I will not wait another 60 days to receive no response because clearly y'all ignoring me. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX has deleted. Transunion and XXXX have not.

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 2021-04-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$7100.00}, {$10000.00}, {$4300.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: 2288984 Ontario Inc.
State: DE

Complaint narrative:
On XX/XX/21 an alleged process server went to my job i was notified spoke to the individual they said they were hired to serve me for a same day case at 2 different address one in nc which i hadnt lived at in four years well before the alleged debt took place. She gave a a phone number and case number i contacted the individual and they said that once the process server got to me they would immediately start a garnishment of 52 %. I made an arrangement out of fear that i wouldnt be able to provide for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I was pending the credit for account ending on XXXX for {$16000.00}, same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, which immediately said that they were giving me the credit back and closed the case. Later I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department and told them what had happened the night before, and the representative said to call the dispute department and tell them to close anything they had opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the case. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for ten month and something that was resolved and should be resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a certified letter in XXXX and I still have not heard from the credit bureau

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 2021-04-20 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: AL

Complaint narrative:
I have disputed these XXXX XXXX accounts onXX/XX/XXXXnd XX/XX/ to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed these 7 DEPTEDXXXX accounts on XX/XX/XXXX and XX/XX/XXXX to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have never been late on a AMEZ bill since having the card since 2017 this card was also canceled or should of been canceled almost three years ago now my ex and I had a joint account and she had charged my card up after breaking up with her, and this would be impossible because I have my own Amex card under my own name which would not be allowed if not paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove incorrect address on credit report

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 2021-04-20 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Approximately in XX/XX/XXXX I personally reached out to Synchrony Bank via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XX/XX/XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Synchrony Bank shortly after for a second opinion. This was due to the fact that even the Federal Government has recognized the severe economic impact COVID has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Synchrony Bank, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Synchrony Bank is acting unreasonably in regard to my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation