vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had a checking and savings account along with a line of credit with Bank of America for over 14 years. I fell on hard times at the end of 2019 and ended up making a payment arrangement with BOA to get my credit card caught up. I explained to the rep that based on my payment schedule with work, the first couple of payments would be at the end of the month which would require my payment due date to be adjusted accordingly, which I was told would be done without issue. These pre-scheduled payments were withdrawn from my checking account on the XXXX of the month instead of the XXXX, my original due date. I recently checked my credit reporting to find not only was none of this done, but the account has actually been closed and FIVE MONTHS of late payments were reflected for this account. After speaking with a rep at BOA to explain the issue, I was told there was nothing they could do even though it was THEIR REPRESENTATIVE who gave me misinformation as the woman I spoke with today put it. This is a card that I hardly use and they have given me numerous credit line increases WITHOUT my request to do so over the years, and yet the first time I have any sort of issue, they deem me a risk when this card has been paid satisfactorily for 14 years and close the account with notice to me as the consumer. This seems extremely counter intuitive considering I was still receiving messages for loan and credit offers while this entire mess was still going on.

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 2020-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
Midwest Recovery Systems, LLC is collecting for XXXX XXXX XXXX. 

o XXXX XXXX XXXX  is not licensed by the Washington State Department of Financial Institutions as a small loan or payday lender. This entity is not registered to conduct business in Washington State by the Department of Revenue or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State. 
o The current status of my account is not correct. The report shows that the date of first delinquency is XX/XX/XXXX, this is a flat-out fraudulent claim as any business that was conducted illegally by XXXX XXXX XXXX with me was prior to XXXX. Washington and Federal statutes of limitation apply. They will be unable to prove the date of the first delinquency with XXXX XXXX. 
o Despite the fraudulent and illegal collection efforts described above, neither Midwest Recovery Systems nor XXXX XXXX has mailed a notice of debt collection, my balance due, their contact information or my right to dispute. Additionally, I have received multiple harassing robocalls identifying themselves as a debt collector requiring me to call another number. I have no option of consenting to the calls or opting out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
My belief is that Santander Consumer USA is using predatory lending practices. My auto loan was opened in XX/XX/2013. After XXXX years, nearly 50 % of my monthly payment is still being applied to both Interest and Principal. At that rate, unless I have a XXXX lump sum payment, I will NEVER be able to payoff the loan. I am aware that this company was found guilty of such practices in XXXX and must pay over half a billion dollars in restitution in a number of states, including IL where I reside. My car currently has over XXXX miles and is only worth {$400.00} according to the XXXX XXXX XXXX. I have just had to purchase a new vehicle for safety reasons and there is no way I can afford to pay 2 car payments. There have been a number of times when my payment was late due to a XXXX diagnosis and treatment. However, I still do not believe that my balance should still be so high. My payment should after all of this time, I believe be 100 % applied to the Principal of the loan. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: GA

Complaint narrative:
There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  ( XXXX ) Address : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( Equifax ) Inaccurate late reporting : XXXX - ( XXXX, Equifax & XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( XXXX & Equifax ) ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX, XXXX, Equifax ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/XXXX - ( XXXX & Equifax ) ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX  ) ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$3800.00} ( XXXX ) ; {$0.00} ( XXXX ) ; {$3300.00} ( Equifax ). This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  EQUIFAX MORTGAGE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CITIMORTGAGE INC Failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I have a 39 month lease that terminates in XX/XX/XXXX. All payments are up to date and the account is in good standing. I no longer need the car. In XXXX of XXXX, I listed the vehicle on the nationwide lease exchange known as " Swap a lease :. This site advertises for individuals to take over the lease. I have had no less that 20 offers to take over my lease. Unfortunately, Infiniti Financial Services - a division of Nissan Motor Acceptance has issued only 1 lease transfer. It took almost 6 weeks - when they finally did issues the paperwork, the buyer had moved on to another vehicle. 

Dealing with Infiniti customer service is a joke. They outright lie to you. They mis-represent and ( in my opinion ) have no intention of allowing me to transfer this lease to another individual. I keep paying every month for a car I am not using. Infiniti has no incentive to help me. I have no leverage - except to file a complaint with this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020 there was a hard inquiry on my credit report from Cbna/bby that I do not feel is legitimate considering the circumstances surrounding the situation. 

I currently have an account with Cbna/bby, more specifically this is a credit card with Best Buy/Citibank North America. 

On XX/XX/2020 I was going over my accounts trying to see which adjustments could be made to increase my credit score. I noticed I had an option available on my Best Buy account to request an increase in my limit. With that stated, there is no mention anywhere on this page stating there will be a hard inquiry placed or if I accept a hard inquiry placed as one of the terms to request an increase. 

Since it didn't reveal that they would in fact be placing a hard inquiry, I made the increase request in hopes to raise my limit and ultimately help my score with a higher amount in my available credit limits. 

Soon thereafter I was alerted by my credit reporting accounts that Best Buy/Citibank North America did in fact make a hard inquiry to perform this request. 

Had I known this was the case, I would not have applied for an increase seeing as my balance on this card has never reached even 1/3 of my limit. 

Considering they have all of my information, approved me for a card and now see my purchase and payment activity I would have never known a hard inquiry would be made if I was never asked to accept this as a term to perform the request. 

They should have a warning on the web page if they are performing an action that is detrimental to someone's credit score.

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 2020-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
This company plays games with consumers in order to collect more money. We contacted the company prior to sending the check for the total amount on our bill. We were told that we owed the amount on the bill and were not told to request a " pay off '' amount. We sent a check for the total amount on the bill and then continued to try to contact the company because our check was not being cashed. We talked to at least XXXX different people at the company before anyone ever told us that our check would not be accepted. XXXX, an escalation XXXX, in fact told us that she had our check and that the account would be paid in full. She followed up with a call to tell us that she had applied it to our account and that it should be updated the next day. It was never updated in our account. Several days later someone else from the company called to tell us that we owed more money due to daily interest charges. Those daily interest charges should not have been applied to our account. They had the full amount due to them on time. Now they say they did not receive our check until XX/XX/XXXX ( they had it by at least XX/XX/XXXX ). None of their documentation stated that it had to be a certified check, but after not cashing our check or applying it to our account the XXXX or XXXX person that we talked to said they would never cash our check or apply it because it was not certified funds. The entire situation was just giving us the run around as they continued to add daily interest charges to our account. We wired a higher amount of money that they eventually quoted us because we did not want our credit to be hit with a late payment like they were threatening. They had the balance in full on time, and they owe us the difference XXXX {$670.00} XXXX back. This company is not honest, reputable, or trustworthy and I would never voluntarily do business with them again. They were never easy to reach, gave us voice mail numbers that were full, and had a different story every time that we talked to them. I paid them more than I owed them in order to preserve my credit, but as far as I am concerned they need to return that money to 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 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account was opened in my name without my authorization. I don't recognize the reported account. This is a request for the account to be deleted from XXXX XXXX XXXX XXXX. I asked TD Bank to validate with a contract for proof of signature, this doesn't exist. 

TD Bank determined this isnt mine but as it was opened in 2013 they say I need to dispute with the bureaus to remove it, which doesn't work. This charge-off continues to be reported by TD Bank on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I closed on my XX/XX/XXXX. I have paid my mortgage if {$1500.00} Every month, which includes home owners insurance. I added flood insurance shortly after I closed on my home. my mortgage started out with being with XXXX, but shortly after switched to US BANK. My AC went out on Friday XX/XX/XXXX. I had to get a brand new XXXX unit, and that was installed Saturday XX/XX/XXXX. I called my insurance company to see if they would cover, they stated that I have not had insurance since XXXX of this year. They said due to adding floor insurance, there was a difference in pay. Also, they still had XXXX Mortgage as my mortgage company, not US BANK. So my questions were, why wasnt the floor insurance amount added to my payment? Why didnt US BANK notify my insurance company the change in mortgage, and where is my money going that I have been paying for every ruby month? 
Because the payment hasnt been paid since XXXX, ( XXXX dont know why XXXX, as I added flood insurance Months before that. ) the insurance company will not relapse my policy, and will have to get a brand new one. There has been zero communication from US BANK on this. I have called and spoke to insurance company XXXX XXXX and 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 2020-07-21 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: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
On the credit report it shows that we still have a mortgage with Nation Star/ Mr. Cooper XXXX 
This mortgage was transfer to XXXX in 2017. We do not owe money on this to Nation Star. It needs to be removed or reported as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
Transunion has changed my primary name back to a previous married name that is over 10 years old ( XXXX XXXX ). I opened an account in XX/XX/XXXX and my name was correct at the time. I have called their dispute number and they told me that it changes back because of creditors. The ones they read off to me are from XX/XX/XXXX. My current name even shows in my report as my AKA name multiple times ( XXXX XXXX ). They want me to mail in a copy of my social security card and driver 's license. I do not feel safe sending that through the mail considering how many times I have experienced identity theft. I have requested a way to fax or email the information and they will not do it. Why do I keep having to prove who I am every year or so? Why is it so easy for OLD information to change my file but not me?? I ordered a credit report 3 weeks ago that shows my correct name and address. Now Transunion has an address from 13 years ago and a name from 10 years ago as my CURRENT information. The customer service rep couldn't even pronounce my name because she is in another country! Why is my personal information being handled by someone in 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 2020-07-21 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: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
XXXX Enhanced Recovery Company is currently attempting to collect on a debt XXXX XXXX XXXX XXXX XXXX They've reported this inaccurate information on all three of my credit reports, attempted to collect on this inaccurate debt for over 7 years, this company do not have a wet signed contract with me, written permission to store my personal information in their systems ( they are a third-party collection agency ), and I've advised XXXX that I don't think this balance is accurate. I want my personal information to be removed from this company database.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by XXXX XXXX. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed XXXX XXXX placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted NeRez on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my 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 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
The collection appeared on my credit file with an inflated amount after XXXX XXXX XXXX promised to remove fees. I called the collection company in XXXX and spoke with the representative. The representative stated that even if I paid the incorrect amount in full that the collection would not be deleted/removed, thereby damaging my credit for 7 years. The collection rep stated that there was nothing I could do and my credit is going to have to be damaged regardless of whether I settle and agree to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
FIRST FEDERAL CREDIT CONTROL failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

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