vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My complaint is that the account is reported as {$0.00} past due however they have failed to removal of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing the credit card was completely paid off and paid in full. They have been reporting this inaccurately and have not removed this file hurting my credit scores and the financing of my new home.

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America 's credit card debt of {$10000.00} was sent to a credit collection agency in XXXX. 
The agency or bank of America did not provide any notification about the charges or details of my debt. I received only phone calls but no other physical documentation. 
In XX/XX/XXXX, I sent a debt validation letter ( Registered Mail ) to the collection agency listed on my credit report. To date, this agency did not reply and keeps reporting about my debt. I am not sure who is the collection agency or how they came up with the money I owe and whenever I ask for details they don't provide any proof or validation. Thank you.

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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Recently, I received a letter from Citadel Servicing Corporation stating that a recent XXXX found there is excess fund left in the escrow account that is due to me. Citadel used the escrow account to pay for my mortgage, property tax, insurance etc. I paid off the loan in XX/XX/XXXX. 

On XX/XX/XXXX, I called Citadel Servicing Corporation and spoke to XXXX of Customer Service. He said that the refund payment will be mailed to me no later than 20 days from XX/XX/XXXX. 

20 days went by and I still have not received the payment. 

On XX/XX/XXXX, 48 days after I had the conversation with XXXX, I talked to XXXX of Customer Service. He said the refund payment will be mailed to me later this year due to " a logistic reason. '' As a XXXX XXXX XXXX myself, I am fully aware that mortgage lenders can take up to 30 days to refund escrow account balances to borrowers whose mortgage loans have been paid off. However, if a lender retains a customer 's money longer than 30 days, they are breaking laws. 

Please help investigate this matter and compel Citadel Servicing Corporation to release the fund to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed unauthorized inquiries accounts that are not mine, 2 medical and a account that says charge off which is not accurate and nothing was done

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
They keep running credit reports ( inquiries ) on my credit report which i did not authorizeXX/XX/XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my 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 2021-05-11 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have requested that Porffolio Recovery Associates provide me with a copy of the original contract in reference to account number XXXX. Portfolio Recover Associates has repetitively sent copies of bills. Im requesting a contract stating that I owe Portfolio Recovery the actual said debt of {$780.00}. I have been receiving the alleged bills since around 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover said they were unable to Contact Me using my phone number after many attempts. I also was unable to log in to my account to connect it to my checking account, I Was able to make some progress and found that they were using the Wrong number.. 
I was unable to change it my self because of limited access I address the issue with them they facetiously said it ( must ) be on my end??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
+++++++++++++NOT A DUPLICATE++++++++++++++++++ Santander DBA Chrysler Capital Has violated the Fair Debt Collection Protection Act. 

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1692e They contracted some very intimidating repo company with " cummin for that XXXX '' T-shirts to follow me to repossess the vehicle and they lifted the vehicle while I was in it and falsely imprisoned me in the vehicle until the police officer told them this was a breach of the peace. I have video evidence of all of this. 

On Saturday, XX/XX/2021 I was verbally and physically assaulted by the debt collectors when they lifted the vehicle with me in it. I closed my windows and called the police at which time the police got a witness statement and saw the video of the repo company blocking me in so a tow truck could hook on to the car and lifting me up while in the vehicle, the vehicle was damaged as a result of this aggressive unlawful debt collection attempt. I suffered injuries as a result and am seeking treatment. All of this happened at a gas station. 

This Company also committed predatory lending in this loan which they must pay me a restitution amount of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX  Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : 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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My complaint is that the account is reported as {$760.00} dollars past due to XXXX and showing charge offs on XXXX  and XXXX when the account has been completely paid off. however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this loan or debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past few years years and it has been hurting me and credit the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I see hard inquiry in TransUnion Credit report from XXXX XXXX  dates XXXX XXXXXXXX XXXX I contacted XXXX XXXX and they confirmed that there was no application or account with my name or SSN. 
I contacted TransUnion and they told me to file a complaint here.

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 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
XXXX XXXX I checked my XXXX XXXX account when I noticed a 16 point drop, said I had a negative inquiry, I have Immaculate credit no Collections and I pay my bills on time, I was very surprised, their was a radiology bill in the derogatory marks section of my XXXX report. I immediately called XXXX  to find out more information about it I was told that it posted on XX/XX/XXXX it did not become available to me and till XX/XX/XXXX, I filed a dispute and called XXXX XXXX to find out why I had a bill and why I was not notified, apparently they sent it to the wrong insurance company, had my address as the insurance company it was for XXXX dollars from XXXX, I asked the quickest way to resolve this that I had insurance and they should have paid it, they said the quickest way to resolve was to pay the bill but I couldn't pay them I had to pay Merchant collection agency in XXXX Washington I immediately got off the phone and called Merchants collection agency the lady that I spoke to told me that the good news was that as long as I paid the now {$46.00} collection day that it would be reported and taken off so I went ahead and immediately paid the {$46.00} and that was that XX/XX/XXXX I got on my XXXX XXXX account first thing in the morning to check and noticed that the collection was still showing unpaid and their, I immediately called XXXX they said it was still showing unpaid, I called Merchant credit agency and told them I had paid bill and what I was told they basically told me that they will report it when they want and that they have thousands of people with debt and their not going to report one debt paid, im very frustrated, this was a bill that was to be paid by my insurance, but to resolve the issue it only being XXXX dollars I paid it, I want the bill showed as paid and to be removed, I had excellent credit, now it shows good, I dont want it to catch on to my XXXX and XXXX as it has not yet happened, this does not sound right to me, if a bill is paid it should be reported as paid

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 2021-05-11 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
The company, Mariner Finance placed a derogatory report on my credit report. The company reported to XXXX  that my account was late for payment and shows as a charge off on my credit report with XXXX The account for Mariner was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The company, XXXX XXXX placed a derogatory report on my credit report. The company reported to TransUnion that my account was late for payment and shows as a charge off on my credit report with TransUnion. The account for XXXX was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.

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 2021-05-11 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: FL

Complaint narrative:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2021-05-11 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: FL

Complaint narrative:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2020, {$4900.00} was wired to an account at Navy Federal Credit Union controlled by the wrong person, not the person intended to receive the funds. The recipient of the funds stole the identity of another person and fraudulently received the funds. Either the account was opened under the name of a person whose identity was stolen, or Navy Federal deposited funds into an account under a name different from the name to whom it was directed. When this was discovered, we contacted Navy Federal through XXXX, who sent the funds. We have not been made whole over a year later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened an account with Wayfair. Their credit is with COMENITY-COMENITY CARD. MY acct number is ... XXXX. 
I paid the amount owed. However, every month the bill me for late charges. I paid at first because I did not want them to ruin my credit. I just kept getting late charges for months. 
I finally sent a final payment and asked them to close account. I received a letter stating that they closed my account. However, every month they bill a late fee. This is not any amount I owe on merchandise. It is only monthly late charges that I do not owe. 
Please assist me in getting this off my credit. I'm sure they are reporting that I owe when I do not. I've paid more than I owe in late charges on a {$0.00} balance account. Please HELP me resolve this sutuation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I have two mortgages with Citizen Home Loans. One is paid from my XXXX XXXX XXXX Account to a loan secured by my primary residence in XXXX. The other is paid from XXXX XXXX to a loan secured by a second home in XXXX. For two months the servicer of the XXXX loan applied the payment to my XXXX loan. Therefore, 2 payments were applied to the XXXX loan for 2 consecutive months and I received late payment notices from Citizen Home Loans on the XXXX loan. Both times I called and they corrected the issue. 

HOWEVER ... they reported me as in default to the credit bureaus and my credit score has since dropped 91 points for two defaults. I have never had a default in my life and i have asked them to notify the credit bureaus multiple times by phone, email and now by letter ( sent fed ex ) and they have not. 

I need help forcing them to rectify the situation immediately, remove the two default notices and do what it takes to fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
forbearance extension documentation submitted to SPS mortgage servicer. 

Social Security documentation REJECTED because bank statement and SS award letter was {$9.00} /month more that award letter stated. 

XXXX award letter REJECTED because award letter showed expiration date of XX/XX/XXXX XXXX even thought bank records showed current XXXX payments. 

SPS sent me a Notice of intent to foreclose during forbearance evaluation which was delay do to these irrelevant inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: TN

Complaint narrative:
This Collection Bureau, Advanced Collection Bureau, XXXX. XXXX XXXX XXXX, Fl. Phone ( XXXX XXXX XXXX. On XX/XX/2015 put the amount of {$5900.00}, on my credit an I want that amount remove from my credit report. I don't know anything about this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NV

Complaint narrative:
There is a creditor that I don't recognize, and address I have never lived at, and inquiries I have never authorized. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NV

Complaint narrative:
There is a creditor that I don't recognize, and address I have never lived at, and inquiries I have never authorized. Please remove them 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