vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I made 2 purchases from XXXX and used Paypal to pay. One was for {$140.00} and another one for {$60.00}. My total amount paid was {$200.00}. Ive received used shoes so I returned the shoes. XXXX claimed to have returned the full amount but Paypal paid me {$60.00} on XX/XX/XXXX and another {$88.00} on XX/XX/XXXX and I still havent received the remaining {$60.00} because they claimed they have already paid. Ive received countless emails from Paypal with different reasons and excuses, but I have not received the full refund yet and XXXX claimed they paid the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
Dated XXXX, I received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$3400.00}. Please provide validation of this alleged balance per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a request to XXXX XXXX XXXX XXXX that this credit card company letting them know that is Inaccurate information not belonging to me and it needs to be deleted immediately Dates XX/XX/2019 Dates XX/XX/2019 The unverified items listed below remain on my credit report in violation of Federal Law. And they required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have not been provided this information

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 2019-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a request to XXXX XXXX XXXX XXXX that this credit card company letting them know that is Inaccurate information not belonging to me and it needs to be deleted immediately Dates XX/XX/2019Dates XX/XX/2019 The unverified items listed below remain on my credit report in violation of Federal Law. And they required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have not been provided this information

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Following my earlier complaint # XXXX in which TransUnion 's part of the XXXX web site was completely broken, I have continued attempts to obtain my TransUnion annual credit report from XXXX. I made two attempts today ( XX/XX/XXXX ). The first attempt in the morning proceeded to the security questions. I answered the security questions properly, but the system them told me I had failed identity verification and couldn't get my report online. I just tried again about two minutes ago, and this time I received an error message from TransUnion claiming that I had already received my free annual credit report for the year from their web site ( see attached error message screenshot ). This error message is a lie ; I have **not** received my annual credit report within the last year from TransUnion due to their web site not working. ( I most recently successfully retrieved my free annual report from TransUnion on XX/XX/XXXX, over one year ago ). TransUnion 's web site is clearly designed to mark consumers credit reports as viewed even if the system doesn't actually produce the report. These are obvious violations of both the FCRA and the FACT Act requiring them to actually provide free consumer credit reports annually and maintain the annualcreditreport.com web site in working order. The CFPB should investigate and sanction TransUnion for these 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 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VW Credit
State: VA

Complaint narrative:
Purchased XXXX  XXXX XXXX with a 6.78 rate. Attempted to Refi vehicle I owe XXXX vehicle only worth XXXX. I have been upside by alot since day 1 and did not even know. It should be against the law for creditors or banks to even finance people without advising them that they will be upside down until the end of the loan or unless they have a large sum of cash to get them out of that place. My credit have gone up to over a 750 and I should be able to refi my car loan and take advantage of the best possible rates. I have attempted to refi with my local credit union and they go up to 135 % LTV and I still can not refi my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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:
I was made aware of some accounts on my credit report that do not belong to me ; I found out about these accounts because today XX/XX/2019, I applied for a loan and I was not approved due to these accounts that are reflecting badly on my credit. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I'm still trying to figure out who is responsible for opening these accounts without my permission and I have already filed a police report. I did not benefit anything such as money, goods, services or any other benefit from these accounts that were opened without my consent. I do not have any contract or agreement with any of those companies nor am I affiliated to them in any way. There is also a Bankruptcy on my credit that was clerically filed in error. It belongs to someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: WV

Complaint narrative:
I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time Transunion and XXXX  has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.

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 2019-11-22 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My XXXX credit score dropped 52 points due to a FALSE report from " Syncb National Credit Cards/Airlines '' as of XXXX. It has been falsely reported with this information XXXX, XXXX and XXXX. 

Syncb will not assist to remove or dispute the false report and I find no support from XXXX XXXX either. 

Please help me to dispute this and remove all record of this from my credit score as it has been FALSELY reported as of XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NY

Complaint narrative:
I took out a Barclay 's Ring Master Card in XX/XX/2019. I used an invitation which I received in the mail which had a 0 % APR for the first 12 months. I used the card to help my son pay for auto collision repairs which came to {$2600.00}. I also set up {$250.00} monthly payments automatically from my XXXX   XXXX XXXX checking account. I enrolled in paperless billing and never looked any further until today. Just went online and checked my account and noticed that I have been charged interest every month since it was opened. There was an issue with the first payment not being on time. I do not remember exactly why but I did call Barclays to discuss the issue which was fixed and they told me it would not effect my promotional rate. Barclays response to my phone call after speaking to two reps was that they never offered a 0 % promotion. They are sending me the agreement when the card was approved. I did check online and found the promotion which is now expired but proof that it was offered. I would never have taken out a card with interest. I would have paid cash in full.

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 2019-11-22 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: WV

Complaint narrative:
I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time XXXX  and Equifax has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Rear Ended The police report shows I was not at fault and in this state Im fairly sure that those that are rear ended do not make them at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
From XXXX to the present day, this company has repeatedly called my home and mobile numbers, as well as the mobile numbers of my family, multiple times a week, sometimes multiple calls daily, in regard to debt that is not owned by any of us. During calls, the company claims to be XXXX XXXX. I've notified the callers that the numbers they are calling are the wrong numbers, the numbers do not belong to the person they are attempting to contact, and to stop calling. They then proceed to call with a different phone number. I sent a cease and desist letter today ( XX/XX/XXXX ) because previous requests to stop calling went ignored.

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 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
OnXX/XX/XXXX, I sent a complaint with number XXXX, against Bank of America. Call number ( XXXX ) XXXX, on XX/XX/XXXX, XXXX attended me. She says that my case is closed because the bank promised to cfpb that they would send me the information. XXXX gave me the phone number ( XXXX ) XXXX extension # XXXX, from Bank of America. In this number nobody answers. I have called consumer assistance from Bank of America, XXXX answered, I gave him the number ( XXXX ) XXXX and the extension, he said he called but they did not answer. I asked XXXX to send them an email to send me the answer, but XXXX says he can't send anything because he doesn't know who it belongs to. On XX/XX/, I went to a branch of Bank of America, the person who attended to me said that he can not access my account because it is closed. He just gave me a sheet that printed where he says my account is closed and in XXXX. I keep insisting because I want to pay and fix my problem, although I am still bankrupt in Chapter XXXX. Bank of America has not filed with the courts. Bank of America stopped me payments in XX/XX/XXXX, for bankruptcy. I have insisted in many ways to explain why my account is closed. I believe that Bank of America is hiding reality 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 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I bought a car in XX/XX/XXXX. I made my first payment for the exact amount due in XXXX of XXXX. After that I made a payment before the due date in person with the teller. I paid an additional {$30.00} the next month and asked the additional amount to be applied to the principal. Fast forward to XXXX of XXXX when I paid an additional {$1500.00} toward the principal and that is when I realized the bank was not applying my payment correctly ( toward the principal balance as requested ). I was told to leave the bank and I was given an 800 number to call and ask to have each payment applied as I wished. That process started in XXXX of XXXX and that phone call lasted over an hour. At that time I requested a payment history of my account and was told it would be mailed. That request was never received. In XXXX I walked into the bank and paid an additional {$530.00} above my normal payment and again requested the difference to be applied to principal. After the same happened in XX/XX/XXXX I asked someone in the branch to call the servicing Dept. At that point I asked again for the payment history. It was finally mailed XX/XX/XXXX showing next payment due date of XX/XX/XXXX ( 2 months in advance ) In XXXX I made another {$1500.00} payment toward principal. At that point I was tired of the extra hassle of trying to pay extra on my loan that I asked for a payoff. When I was given the payoff amount it didnt reflect all of the extra payments I had been making. I was repeatedly told the extra payments were being applied to future payments. When I questioned this amount I was told it would take up to 14 business days to get back. At this point Im going to pay off this loan and will take them to court to get my extra payments and over payment on the interest I was charged. Terrible service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Today, I closed my Wells Fargo bank accounts at their XXXX XXXX XXXX location in XXXX, NM. While I was working with one banker to close my account, another banker, who wore no name tag, began making rude, snide, aggessive remarks and mocked me because I wanted a refund on the checks I had recently ordered. He told me that I had to leave the building as soon as I got my money and made what sounded like a barking sound at me. 

As I waited for the teller to give me my money, he stared at me menacingly and talked to the security guard outside the bank area. I told the teller that I did not feel safe, and she did nothing. 

After I got my money, I left immwdiately and walked past the guard. The banker pursued me aggreessively outside the building and made threatening hand gestures at me as I got into my car and drove away.

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 2019-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
My mortgage servicer has been misapplying my payments repeatedly over the course of the last 5 months. We have called and had the process reversed numerous times. Even though we have a current monthly payment due in less than 30 days ( making payment in the current month I should be paying ) they are posting them as principal curtailments and assessing late fees. This has caused multiple hours on the phone including multiple reps stating the last person who was supposed to fix the issue didn't do it. One of the occurrences took multiple calls over 2 months to fix. They have just again, misapplied my payment for XX/XX/XXXX as a principal curtailment. I can't even keep up with their deceptive math to ensure my account is where it should be and that all of my payments were posted properly. At this point, I'm also concerned for my credit which has certainly had my mortgage debt reported low and then high and then low and then high again. This is out of control. At no point have payments been made early enough for them to ever be considered a curtailment. Example, every payment for the XXXX of the month due date has been made in the middle of the previous month ( 2 payments for XX/XX/XXXX due date made during XXXX ). I have been told by their own rep it is a glitch in their system that searches and automatically does this to people. Even if their current payment is due, they will post as a curtailment to anyone who splits their payment and has money sitting in suspense until they have the full payment.

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 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: TX

Complaint narrative:
I was contacted by phone in XXXX of 2019 ; a male person asked me for monies related to a debt I had no information about. I asked for details, the person threatened that an unpaid debt would " go on my credit report '', which I relayed that I understood that, however, I would not give him my credit card information w/o verifying it was a legitimate claim. I asked for a hard copy bill and any dates, details, etc. The male said he had the amount owed and I should know I owed it! I asked for an address to request details and was given an address in Georgia. I was skeptical and believed it was a scam but did not want to take a chance on an error causing a mark on my credit. I sent a Certified Letter to the address in Georgia and have received no information in return. I assumed it was, in fact, a scam. Now I see it on my credit report and do not know what to think. I had my identity stolen twice in the summer of 2019, therefore I have been extra careful with anybody contacting me out of the blue asking for monies. Especially monies I can't get details on. Can a scam company actually report to the credit agencies? I don't know what to do at this point. I have disputed this with XXXX  and with XXXX. Please help.

Company response to consumer: Closed with explanation