vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: MO

Complaint narrative:
The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX 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 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I wanted to place a credit freeze on my SSN through equifax. I made an account but on these website when you click to place a freeze it says unable and to contact customer service. I called the number on the website. I went through the automated service and answered all the questions including the a code sent to my phone and the automated service said they couldn't authenticate me. I spoke with an agent on the number provided at the website, the agent wanted me to mail in a copy of my SSN and drivers licence to a PO box . The PO Box the agent provided was not the same PO Box on the website, when i told this to the agent she said ignore the website as it has on going errors. Furthermore the fax number provided by the agent was not the fame fax number on the website. I told the agent this and she said to ignore the website. When i asked for a local equifax office in Iowa they said they could not provide it due to security and privacy concerns. 
The other two reporting agency 's - XXXX, and XXXX  made it very easy to place the credit freeze. I made an account and there website worked great. 
I have concerns about the equifax website and its complaince the the FTC in allowing consumers to place a credit freeze. Which i am unable to do with them. Because of the conflicting information on their website and that provided by there customer service i feel this needs to be explored. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: MO

Complaint narrative:
The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX 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 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I saw on my report a collection for {$1100.00} from XXXX XXXX placed by Penn Credit Corporation with an original creditor of XXXX. I disputed it and it said it was verified. I never had a utility account with XXXX. I called Penn Credit and the lady was helpful and transferred me to the voicemail of a specialist who has never reached out to me in over 3 weeks. The representative told me that she couldnt discuss the account with me because although it is under my social, my name is different from the name they have on file for the collection. I even offered to settle it to get it off of my report but because I dont know what name its under she told me I couldnt pay it and she cant help me. Im writing to you asking for your help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I requesting the help of the CFPB and the United States Government to help protect me from the fraud and criminal acts in which BMW Financial Services is manipulating the COVID-19 pandemic to  charge for false and unsubstantiated fees while not meeting with me in person to inspect my vehicle, but sending a bill 100 % false claims and having their customers service representatives serve no value if standing behind fraudulent claims. 

I feel completely helpless throughout this entire process. I leased a XXXX vehicle, took meticulous car of the leased vehicle, including having the XXXX dealer perform every service / maintenance, including purchasing all 4 brand new tires from the XXXX dealership during my lease on XX/XX/XXXX. As you will see per the attached documentation, I returned my lease approximately XXXX miles later, while having BMW Financial Services charging me for another 4 brand new tires ... this is simply fraud and should be considered a criminal act committed by BMW Financial Services. At the end of my lease, I was informed that I would be charged a fee if I chose to not continue leasing a XXXX vehicle. In order to avoid paying a fee, I decided to stay with XXXX to lease another vehicle ( which I did on XX/XX/XXXX ). On XX/XX/XXXX, I returned the XXXX lease ( that was due on XX/XX/XXXX ) and moved forward with a new lease for a XXXX vehicle. The lease of the new vehicle went extremely smooth and I could not be happier. 

Leading up to returning the XXXX lease and on the day I returned the vehicle on XX/XX/XXXX, I was informed by BMW Financial Services that due to COVID-19 inspections could not be scheduled and that I would just need to return the vehicle to the dealer and they would conduct the inspection at a later date. As recommended by the dealership, I took pictures and video of the meticulous condition in which I returned the XXXX vehicle to the dealership. 

Per the attached documents and phone calls with the BMW Financial Services, they have completely false and outlandish claims that there is {$1400.00} in glass damage, the car requires a new bumper, requires 4 new tires, windshield sensors and additional maintenance in which all totaling an amount due of {$4700.00}. Upon the CFPB receiving my attached document and pictures, you will clearly see how this is fraud. A company in the United States of America should not be able to continue doing business upon being proven guilty of such fraud. This is an outrage and blatant case of fraud during a time that the entire population feels helpless due to COVID. 

I am attached pictures of the XXXX the day I returned the vehicle to the XXXX dealership. I have a video that I can also share upon aligning on how to share it with the CFPB. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About a month and a half ago there was multiple transactions on my XXXX debit card over a100 they  were all nearly the same amount even some of them being at the exact same time same day and same amount that is not even humanly possible for an individual to do they were as well out of the country so I filed a dispute and Bank of America credited my account for that amount however just two weeks ago they sent me a statement stating that I lost the dispute and they reversed the credit so my account is {$2800.00} negative however it was {$3800.00} negative but when I certified my benefits last week they took my whole amount It is unfair that I lost the dispute considering the fact that its 100 % obvious its fraud but the fact that that is my only means of income and I am being financially deprived of it and My rights as a consumer are being violated

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 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/2020, I called and spoke with a representative at AFNI to dispute the amount owed with XXXX which was two months of service. I have been a customer of XXXX/XXXX ( previous name ) for over 15 years and know firsthand that XXXX doesn't allow the customer to become two months behind in payment before disconnecting them. However, after another service failed to provide service at my address, I decided to pay the entire balance in the XXXX store since they are the only wifi/cable providers in my area. Additionally, I sent the receipt of the bill paid in full to AFNI but yet the collection remains on my account with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TX

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2020, regarding collection accounts that are reported on my credit history. The collections and bad debts are all linked to an address that is not even mine. Additionally, Experian added that false address onto my credit report so as to make the collection accounts appear valid, and make themselves look better. There are numerous bank card accounts and collections that are duplicates, and the bureau is building a foundation of false information on my report in order to keep these bad debts on my record.

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 2020-08-09 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: WI

Complaint narrative:
First of all, Transunion still reports a 30 month late on a vehicle I have paid off back in XX/XX/XXXX, still effects my score. I filled out an online dispute using their dispute page back in XX/XX/XXXX to get it cleared up. On my quick view report via XXXX, it still shows 1 late payment on my report and my score is almost 90 points lower than XXXX and XXXX. I called a few times to get this corrected and also get my free report this week XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and each time I get hung up on. All I would like is to get this fixed because I would like to buy a home soon. 

Regards, 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 2020-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I purchased a vehicle from Honda and financed with Honda Financial Services on XX/XX/2020. I received my first bill ( Statement date XX/XX/2020 ) with a due date of XX/XX/2020. I was eager to sign up for online access. However, I could not even register my account as the site didn't recognize my email, Honda Account number or Honda ID. 
Every attempt to try and register my account at Hondafinancialservices.com was unsuccessful. Every attempt created an " error '' message until finally a message showed up that I had one more attempt before being locked out. I tried calling the " Customer Services '' line and have each week for the past eight weeks. Sometimes I wait over 48 minutes, sometimes over an hour. No one answers this line, ever. The recording loops and loops with no one that ever picks up. There is nowhere on their website for a " chat '' or to ask for any help. All the queries I have done to do this myself come back to the same website with the same XXXX number. ( XXXX ) I called the dealership to be told that they are a separate company and that they can't help me. I tried the warranty company to be told the same thing. I mailed my second check yesterday to Honda Financial Services as I have no way of managing my account via the internet. As I have no way of gaining access to my account online Honda Financial Services has put me in a position of great danger in that it will only take one check applied incorrectly by them or one check lost in the mail to ruin my credit. 

This is extremely serious as I have no way of checking that my payment is being applied to my account. They have the ability to ruin the good credit that I have carefully built and am proud of. As I no one else to turn to I plead for you to help me fix this with Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Upon checking my credit report on XXXX i noticed a debt collection on my account i dont know who this company is nor have i signed any contract with them

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 2020-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am having multiple issues with Navient. To include harassment, falsely reporting to credit bureaus, not offering any payment plans, and unwilling to work with me. I have attached documentation further detailing this matter. It has been going on for over two years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
After Looking at my credit report i noticed Hunter Warfield inc is trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i ever entered any agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On several occasion, I contacted TD BANK USA/Target Credit card about a credit card that was issued during a fraudulent transaction. During XXXX ( months of XXXX, XXXX, and XXXX ). This credit was open fraudulent and I never received a bill on the mail about this transactions. Anyhow, I ended paying the due amount. TD Bank USA/Target Credit agree on removing the negative payment history from my credit card. Yet, they did deleted from XXXX. But, it stills show on XXXX and XXXX. After several attempts with Target, the negative payment history still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Copy of email of issues, sent to ThirdFederal Savings and Loan about Mortgage Credit Reporting under Covid-19 and it's Forbearance customers : To whom it may concern, my account is XXXX, In the beginning of the forbearance, as seen in my email below, dated XX/XX/2020. I specifically asked about the process with no penalty. 
It has come to my attention that you have posted remarks on my credit report saying " affected by the Natural Disaster '' with zero payment, and no payments for several months ( see images below ), which is a subtle but direct way of reporting a negative to my credit report as not payment to others : mtg reportXX/XX/XXXXXXXX ( see attached ) mtg report-XXXX  ( see attached ) This action by Third Federal is a violation of the CARES ACT. I demand that these remarks and non payments for several months be corrected immediately, to avoid legal action potentially class action. Your actions have caused me injury to my financing activities because you have used a tricky way of reporting me behind on my mortgage. When this is not the case under the CARES ACT. 

Additionally, if Third Federal was going to report these negative remarks and gap in payments, which by law it can not, it should have explicitly explained this to its customers so they would have full disclosure. 

The law states, according to : XXXX XXXX XXXX  " New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

These basic CARES Act rights translate into the following technical implementation, as guided by the standardized Metro 2 format developed by the Consumer Data Industry Association. This Metro 2 format is explained at NCLCs Fair Credit Reporting 6.3.2.

When a creditor reports accounts as current, the Metro 2 reporting format includes both a payment history field and an account status field. If the CARES Act requires the account to be reported as current, one would assume that both fields should be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. See NCLCs Fair Credit Reporting 6.3.3.3.4. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
XX/XX/2020 not sure of the amount ive tried to dispute this matter with the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
dates : XX/XX/2019 XX/XX/2019 XX/XX/2019 inquries that where made mutliple times without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Experian Information Solutions 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 {$4300.00}, {$2300.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -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 2020-08-09 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I received a letter on XXXX XXXX. This is the first time I've been contacted by Southwest Credit. I supposedly owe XXXX to a cable company. I have never had an account with the stated creditor. I looked at my credit report and the supposed time of service for this entry was when I was under XXXXhad never had any type of cable or wifi service. I tried contacting Southwest Credit and they said there was nothing they could do and directed me to the creditor. After multiple calls to the creditor, the creditor has no account under the account number from Southwest 's letter, my name, or social security number so I can't even verify the information using the original creditor. As I was a minor, I do not have the proper materials to file a dispute ( no utilities, no lease, etc. ). I have no idea how this is under my name or credit report when the company has nothing with my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/2019 A hard inquiry that i have no knowledge about

Company response to consumer: Closed with non-monetary relief