vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a helc line with Bank of America, at the beginning of XXXX Bank of America had problems with correct balances. I called in multiple times only to be told that they cant fix it until they correct their internal issues, since my checking balance has been corrected, however the home equity credit line has not. The balance on the mentioned helc account is Reflecting over {$4000.00} Above the balance that I owe. I have contacted the bank numerous times to correct their mistake, I have waited on hold for over 2 hours on multiple occasions and never contact a representative.

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 monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
My bank NYCB have upgraded there portal and I reached out to them asking for help with resetting my account access I spoke to person by name XXXX at XXXX location she was very unhelpful. After work I try to call 1800 number for last few days and I got disconnected, please help me resolve this issue, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Problem with personal statement of dispute
Company: AFNI INC.
State: TX

Complaint narrative:
I have attempted to fix this issue with XXXX XXXX XXXX /AFNI , Inc in the amount of {$8600.00} multiple times per the information stated on my credit report I have not had XXXX services open XX/XX/XXXX after speaking to XXXX i was informed i owed for 5 lines I informed her at this time " that is incorrect information she at this point stated yes this happens alot with XXXX " I've requested for a manager to review this unknown account and was informed they do not do so and i would have to pay the amount due, Ive called back multiple times and have spoken to XXXX XXXX XXXX he stated this account is under review for fraud and should have been closed as of XX/XX/XXXX and removed. XXXX also stated the reason it keeps popping up on my credit report is because XXXX sells the accounts to 3rd parties. This is unfair/ and unjust for this company to accuse me of owing for this account Ive asked what address do they have on record and XXXX responded with your address XXXX XXXX i informed him that my address clearly pops up on my credit report that does not mean this account was taken out by me at this address, also informed him of XXXX XXXX XXXX paperless account info they have for customers. He then responded with the only amount he can receive from me at this time is {$4400.00}. I reminded him about the prior conversation where he stated on XX/XX/XXXX that as of XX/XX/XXXX this account should have been removed and was hung up on by Mr. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
I purchased a home on XX/XX/2020, and there was no information provided regarding the transfer fee ( {$7000.00} ) or monthly fee ( {$350.00} ) for the country club that the property is apparently part of. I am not sure who to talk to about this, so Im reaching out to 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 2020-08-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
It's my understanding that I may get weekly credit reports using XXXX. Otherwise, Equifax, XXXX, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. Equifax, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against Equifax for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX  and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, Experian, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX  for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Signed up for free credit report through Experian when I was buying a house. They started charging me monthly. I contacted my credit card company after several unsuccessful attempts to contact them. My credit card disputed it, but monthly it shows up that I owe them and I never wanted anything but the free service. I changed cards 3 times and somehow each different card with different numbers were still being charged. Finally I closed the credit card that this was being charged to> I am still being charged even with a closed 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 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Validated with the lab that my insurance will cover the XXXX XXXX. No Co pay or deductible was requested. 
The lab billed my insurance company, and my insurance company paid out the claim. 
The lab company then proceed to bill an additional {$750.00} for just simple XXXX XXXX. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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:
I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$3500.00} XXXX XXXX {$1000.00}

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 2020-08-25 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:
I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXXXXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXXXXXX {$1500.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1000.00}

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SD

Complaint narrative:
On XX/XX/2020 I contacted Nissan Finance to buyout my lease. They told me I had to contact that dealership. I contacted them the same day, the Finance Manager told me to come in later in the week. I went in on XX/XX/XXXX to discover that my account was blocked and they couldn't " ground '' the vehicle into their dealership. I called Nissan Finance 12 times in the course of this and left messages with supervisors and nobody would call me back. Finally I heard back on XX/XX/XXXX that they got it " grounded '' and to come in and sign the paperwork. I went in and they told me I owe {$10000.00} to buy out the vehicle. This number is incorrect because on top of the lease payments I made and in the course of the lease term I made an extra {$14000.00}, so that when my lease was up I would have it paid off. I showed the Asst Sales Manager my Payment History on my account at Nissan Finance after I logged in and showed him. He agreed it should be paid off and the {$10000.00} was not the correct amount. He then made more phone calls to which nobody has been a help. Now here it is, XX/XX/XXXX and I'm still not able to receive my title from Nissan because they didn't apply all my payments to my account accurately at the time it was blocked ( for whatever reason. Still not sure why it was ever blocked ). Since I don't have my title to my car I'm unable to get the South Dakota license plates to the state that I moved to a few months ago. XXXX County Treasurer wants a copy of the title before I can get my SD Plates, and since Nissan has no idea what they are doing I'm unable to get my Title. I called Nissan Finance again today and left messages and nobody calls me back. I've emailed Nissan and nobody returns my emails. Customer Service is unable to help me and tell me it needs to be escalated to a supervisor and they drop me to the supervisor 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
In XXXX of this year I received a written notification that I owed Jefferson Capital Systems {$3200.00}. Apparently the original " creditor '' was XXXX XXXX in XXXX XXXX, Minnesota. The date it was opened was apparently XX/XX/19. I have never been to XXXX XXXX nor did I open this account. I have no knowledge of this account, did not authorize this account, and expect this account to have been opened due to identity theft. I disputed the collection with both XXXX and XXXX XXXX, but both companies only verified that the information was accurate. I refuse to pay {$3200.00} because I did not open this account. I am furious that neither XXXX nor XXXX XXXX verified that the charge was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing a complaint of a collection account listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: VA

Complaint narrative:
Experian is reporting incorrect and unknown information in the amount of {$14000.00} from XXXX XXXX XXXX. I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
GM Financial XXXX- This account has been paid and closed but the account is misreporting on my credit file and has yet to be updated. I have sent several demand letters to GM Financial and had heard NO response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Direct Mediation
State: TX

Complaint narrative:
On XX/XX/2020, A company by the name of First Direct Mediation contacted my mother and stated that they needed to speak with me about an important business matter. When I called that day, no one answered the phone. I got a phone call on XX/XX/2020 from my ex husband stating that the same individual from that company called and left a voice mail that they were a litigation service on behalf of the school district ( that I work for ) and that a client of the school made a complaint against me. My ex husband was upset because we have not had contact in years, certainly not in the time that the claimed debt, was owed and he was never used as a reference. When I called the number my ex husband gave me, no one answered by First Direct Mediation. They instead asked me how they can direct my call and why I was calling. When I told them I got a call and my name, they switched me over to a Mr. XXXX ( or XXXX ). He confirmed that the debt was passed down from a loan company. He asked if I ever truly intended to pay on this bill and that I was a liar and lying to him. When I asked him about the amount, not only did the amount not match, but the amount I paid and owed was also grossly overstated. I advised him that I would be calling the company direct to confirm where the debt had been sent to. He stated that it's fine and he'll be ready when I call back because they can't help me. After I hung up with him, I called the loan company,. I was advised that my loan had been transfered to collections and the collection company is XXXX XXXX XXXX. She gave me the phone number and this company is not in any way affiliated with First Direct Mediation. They also advised me that there were a number of complaints by customers against First Direct Meditation and others for scams. They do not send their past due accounts to any business by that name. It is obviously a hoax or scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: SC

Complaint narrative:
I have disputed 4 accounts with transunion. All 4 accounts are from receiveable recovery in the amount of {$600.00}. I have reached out the collection agency as well as XXXX. I am concerned about the validity and accuracy of your recent investigation. I requested an investigation because I felt the item is not being reported legally, I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! The information is inaccurate. Under the laws of FDCPA I have contacted the collections agency and the original debt collector. The dates of the service are wrong. I have attached the dates that was sent to me by the original debt collector. Transunion fail to properly investigate the accounts on my report. They are negative affecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX/XXXX XXXX XX/XX/2020 Not the same complaint you keep closing it out without proof You close it without showing me anything Cfpd stop letting them close this without proof

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX through XXXX I made a reservation to spend the evening at the XXXX XXXX XXXX in my hometown XXXX. When I showed up inutially I only had {$100.00} on my card which wasnt enough to pay for the room, so I ended up going to XXXX to put more money on my pre paid card and swiped the card at the hotel and all the sudden there was a {$0.00} balance and I was denied the room by the associate. She stated my card was declined and called her manager and there was nothing they could do. I requested that XXXX give me a hotel room for another night they refused so I had to put in a cancellation request, and they never responded or refunded my money.This is one small instance that funds of mine have been misappropriated and I am a unemployed mother who cant afford to continuously get my money stolen. My email is XXXX XXXX

Company response to consumer: Closed with explanation