vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( XXXX, XXXX, Experian, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a balance transfer due to a 0 % APR offer from my BBVA credit card to pay off my XXXX XXXX credit card for {$890.00} which posted to my BBVA credit card on XX/XX/XXXX. A few weeks later, I noticed XXXX  XXXX had not been paid and contacted BBVA. They told me to allow up to 30 days ( absurd ) for XXXX XXXX to receive the funds. I waited 2 more weeks and contacted BBVA again to let them know XXXX XXXX was still not paid off. They opened a ticket to do research and found that the balance transfer was sent to XXXX. I DO NOT have a XXXX  account! After another month went by they said once they contacted and received the funds back from XXXX, they would credit my card. I have contacted BBVA several times in the last 4-5 months that this has been going on, on numerous occasions and I keep explaining every time and am getting the runaround. Today alone XX/XX/XXXX, I have contacted them 6 times and spoken to 5 people, twice got disconnected, so would have been 7. I have been paying on 2 credit cards, XXXX XXXX with interest for 5 months for no reason. I should only be paying BBVA. Now theyre telling me to contact XXXX  which I did like an XXXX knowing they couldnt help me because I dont have an account with them. One of 2 things needs to happen as Ive explained to BBVA today, one, my BBVA credit card needs to be credited or two the transfer needs to be sent to XXXX XXXX like what was supposed to happen in the first place. Oh, and by the way, I have had a few ticket # s which they always seem to close. They closed one today and opened another upon my request. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On the XXXX of XXXX I filed a claim in relation to this security breach that may have involved my information being compromised. I spoke to Bank of America related to the issue and filed a claim on the said date. I wanted to be positive before going through with the claim so I cancelled the claim on the XXXX of XXXX. I made contact with Visa and after getting inconclusive information from Visa I then reached out to the Bank of America to refuel the claim. I was told a temporary credit would be applied to the account within 7-10 business days and it has been over that allots amount of time. I called yesterday on the XXXX of XXXX and a supervisor told me that she was going to escalate the claim to receive a temporary credit on the claim and I never received the credit. The call was recorded and I am requested that the agency look into the matter so that I can recover the credit promised 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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX, 2 different news outlets reported that my credit union was forcing members into a premium account and they wanted to avoid people closing accounts so the credit union was sending letters and emails in rounds. You have to meet 3 requirements to keep your current free account and during a pandemic this is very hard for most households. If you don't keep up their requirements, the account is forced into the premium version and you have to pay. 

I called to ensure my account wouldn't be moved to a premium and I was harassed and told I couldn't trust the news and to just wait until my letter arrived. 

I was very clear I didn't want to be forced into premium and will be moving accounts elsewhere. I was then placed on hold until the agent hung up. 

This is wrong. I shouldn't have my accounts moved without notice and be forced to pay for something I don't consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello Toyota Motor Credit Corp, This is XXXX XXXX and this is to inform Toyota Motor Credit Corp that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from Toyota Motor Credit Corp as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that Toyota Credit Motor Corp is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of Toyota and this must be rectified and resolved because this invalid information that Toyota is reporting on my credit files ( XXXX, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX ( agent ID FVPH ) which is TFS Credit Dispute Group XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
My husband and I completed our reverse mortgage on our home in XXXX of XXXX. 
We have paid all of our property taxes and home insurance. 
In XXXX of XXXX our home burned down in a fire. We notified the Insurance Company right away. We notified the Mortgage Company, were connected with their Loss Draft department, filed all of our information with them and were told that the next step was to send in the Insurance payment, plans for the rebuilding, information on the company performing the rebuild, etc. 
DUE TO COVID 19 we did not receive permits and plan approvals from our city until XX/XX/XXXX. 
In late XXXX, XXXX we mailed in our Annual Occupancy Certificate ( after asking the company how we should explain not living in the home because of the fire ). The company sent us a Certified letter on XX/XX/XXXX stating that they never received our Occupancy Cert., sent out an inspector, determined that the home was abandoned and that our mortgage was now DUE AND PAYABLE. I called the next day and was told that due to the circumstances they would give us a VERBAL extension of six months. Since then I have called several times and been given NO concrete notice that our home is safe. 
We are asking for your help and protection as we feel we are in a potentially dangerous situation and this has certainly been a massive hardship on us. We are foster parenting our grandchildren and dealing with the pandemic making it very difficult to deal with our part time business and the construction company that is finally trying to get the demolition and rebuilding process started.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have told portfolio recovery that i don't owe them anything as I never opened an account with them and to stop calling my phone. They said I will be sued for the unpaid debt whih is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im filing this complaint because Equifax will not resolve my issue period, I called Equifax about 10 inquiries on my credit report that they will not remove, these inquiries are fraud I want them removed, I have a monitoring product and ask them to do the job also that failed Im going to cancel that product soon, Im out of work, these inquiries belongs to car dealerships I cant buy a car if Im not working so Im asking Equifax to remove these fraudulent inquiries but please do not put any fraud alert on my credit file, I will continue to file complaints if these are bot removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3600.00}, {$730.00}, {$750.00}. 
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/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my 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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
In XXXX, 2016, I applied for a mortgage, at XXXX XXXX, for a condo in XXXX XXXX Michigan. I wanted a fixed rate loan, but the loan officer told me that she could only offer me an ARM. I told her that I didn't want the ARM - I'd rather back out. She told me that once I had been working a few more months at my job, she would refinance my ARM into a fixed rate loan, with no closing costs. She also signed a formal letter stating that she intended to refinance my ARM to a " standard 15 year fixed rate not to exceed 2.875 % with no closing cost paid be you ''. So, I agreed to the ARM. I have an electronic copy of the letter. 
The first time I called her to honor her promise, she told me to wait a little longer until the national interest rates went back down. I called her every couple of months. Either she wouldn't answer, or say that she would she would get to it right away. She has never honored the promise. The last time I called her was a couple of months ago. 
She has since moved to XXXX XXXX. XXXX XXXX  has been bought by Chemical Bank, which is now TCF Bank. I called TCF, and they refuse to honor the promise because it was made by a bank that no longer exists. 
Interest rates are currently low, but I still can't get her to honor her promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
As we continue to validate this debt with AWA COLLECTIONS.they have forward me a contract of validation without properly showing validation of Driver License, nor submitted to the legal Signature that matches the Driver license. Anyone can produce the names on this contract. Ive notice that there is 2 unknown people on contract explaining that they are excluded but then are designated driver on another page .. I am not familiar with these names or is affiliated in any term.

Under the FCRA law Ive asked AWA COLLECTION to validate payment proof of history records. Identification picture and social security copy as when signing up for any insurance they asked for 2 valid proof of identifications. AWA Collections have still not provided genuine validation of this debt and I still have no acknowledgment of this contract and still is a mystery AWA COLLECTION is eager to get some sort of settlement. 

AWA Collections FCRA is a law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00}

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 2021-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
1. we financed an investment property through Sprout mortgage. 

2. XXXX we closed on the property : {$1400.00} monthly principal & interest {$280.00} monthly escrow ( this is for flood insurance only ) {$1600.00} is our total monthly payment *hazard insurance and taxes are not included in the mortgage payment 3. XXXX a letter was sent from Planet Home Lending stating they have bought our mortgage from XXXX. 
4. when the letter was received I created an account for Planet Home Lending and saw they are charging us {$2700.00} per month. 
5. XXXX the mortgage invoice was sent from Planet Home Lending showing our amount due XXXX is now {$2700.00} ( XXXX for home owner insurance + XXXX for taxes= these are NOT in escrow we are paying them out of pocket ) + XXXX for flood insurance ( this is in escrow ) 6. XXXX the annual escrow account disclosure statement was also sent now stating we have a shortage of {$2000.00} in the escrow account. That we owe an additional {$280.00} per month for the escrow shortage. 

THE HOME OWNER INSURANCE AND TAXES ARE NOT IN ESCROW AS STATED IN OUR CLOSING DISCLOSURE Contacts with Planet Home Lending : XXXX sent an email to Planet Home Lending asking them to correct the error on our mortgage. 
XXXX spoke to XXXX who transferred me to the tax division of the company XXXX spoke to the tax division when transferred me back to customer service where I was on old for over 15 min and had to hang up because no one ever came on the line. 
XXXX spoke to XXXX in customer service who advised me not to make a payment she sent the account over for review. 
XXXX mailed a letter to Planet Home Lending showing our closing disclosure stating that only the FLOOD INSURANCE IS TO BE IN ESCROW XXXX spoke to XXXX in customer service who advised me there are notes in my file about the account being under review. He told me to call back. 
XXXX received an email from Plant Home Lending stating that analysis was done and we owe more money due to an escrow shortage. 
XXXX sent another email again to Planet Home Lending stating that XXXX + XXXX for taxes and homeowners insurance are NOT TO BE INCLUDED IN ESCROW. 
XXXX received an email back that Planet Home lending that my complaint was received and would be responded back to by RESPA guidelines. 

I NEED TO SEND A MORTGAGE PAYMENT FOR THE CORRECT AMOUNT THAT WE SIGNED THE CONTRACT FOR WHEN WE PURCHASED THE HOME OF {$1600.00} PER MONTH. NOT THE FRADULANT AMOUNT PLANET HOME LENDING IS TRYING TO CHARGE US.

Company response to consumer: Closed with explanation