vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
There is a debt that keeps being re sold and transferred to various Collection agencies from XXXX XXXX in North Carolina in the amount of {$280.00}. I Do Not owe this debt and have had it removed from my Credit report on several occasions only to be re-added by another Collection company and the time it is Bullcity Financial. 

They are claiming that I owe money from a 2018 power bill which is false because I sold my home in XXXX, NC in XX/XX/2018 and my final power bill was paid directly from the deposit of {$300.00} that the power company held since I opened that account. I had spoken to a XXXX XXXX representative about this before I sold my property and moved and it was confirmed that I owed nothing to them. 

Bullcity Financial is nearly impossible to reach as were the other companies and they are the third or fourth company whom this debt was transferred to and I need it completely removed from my credit report. I requested that they transfer it back to XXXX XXXX so I can XXXX it out with them directly since these third party collectors just buy accounts and stalk us consumers endlessly and illegally in many cases where they simply move the erroneous debt under another Collection Agency name and have it added back to my Report so we are perpetually fighting the same debt over and over until we cave in and pay them just to get rid of them. 

Please help me remove this I have been writing letters and removing myself for over 2.5 years now with no resolution. If I owed {$280.00} I would gladly pay it as I am not one to skip out on my bills or obligations but this is utter nonsense and ridiculous to keep stalking me when it has been removed from my Credit reports on several occasions. I feel what these Collection agencies do to us consumers is criminal in many cases and we need to be protected as consumers. 

I am so grateful for all of your help and thankful to have an agency like Consumer Finance around to help us in times like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was informed on XXXX XXXX that our checking and savings account will be closed for undisclosed reason. I contacted the Risk Department who's holding the fund also did not provide any valid reason when asked why the account is being closed and was advised to open a different account so I can transfer the funds. When I met the local branch representative within an hour of contacting the Risk office and provided the information, she contacted the same office ( Risk ) and received a different procedure, stating that I can not open an account and transfer the money. It has been 2 weeks that Bank of America is holding the funds from releasing even after I was advised by the customer services that I can go to the local branch and withdraw my money. I don't understand why the bank is holding up the release of funds if they want to close the account? The bank is arbitrarily treated us like criminals and will not allow us to access the funds. We do not have any liabilities toward the bank. I want to know why they suddenly tried to close our account and not let us access the fund. We do not have extra funds to pay for utilities and other creditors. The bank 's response was inconsistent and the customer is getting two different answers depending on who's contacting the same office.

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 2020-11-27 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: CA

Complaint narrative:
XXXX XXXX  Received goods back in XXXX. 
Was immediately unhappy. Returned goods how ever was told it was decided I did not? I continued to pay as I m always trying to improve. Then I find two amounts identical on my report. One XXXX XXXX who also sur me in court as well collection actions unlawful in ca. I submit activity to all bureaus and get one of two removed on Experian 6 years later but XXXX get serviced to court to find it was just fake. Sent a person w fake badge to my home to harass me Both XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX customer number XXXX should be XXXX as per the return policy and just posting two amounts for six years It was returned immediately dissatisfied no bureau will remove it its like they only listen to them I ended up submitting a dateline credit claim and it very well processed by Mrs XXXX Why did they not honor safeline I spent months on these issues to be harrassed

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 2020-11-27 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: PA

Complaint narrative:
On XX/XX/XXXX, EQUIFAX MORTGAGE SER add a hard inquiries on my credit reports per Equifax ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 an unauthorized charge was made on my Bank of America account in XXXX on my ATM debit card. The bank has not requested a signed receipt from the merchant and is denying my dispute claim. I have requested proof of an authorized or signed purchase i.e. a signed receipt.

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 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by XXXX  XXXX XXXX original creditor ) and unfair business practices. 

The account information is the following : ENHANCED RECOVERY COMPANY , LLC Opened Date : XXXX XXXX, 2019 Balance : {$140.00} Original Creditor Name : XXXX XXXX XXXX XXXX  My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Advance Centers of KY, Inc.
State: KY

Complaint narrative:
I received 2 payday loans on XX/XX/2020 that totaled {$500.00} that I was positive was paid back in cash but the workers claim it wasn't paid. I was at XXXX XXXX and called the state and found out what day and how much and they said there is a 10 year statute of limitations law that they can't collect over 10 years anyways so she tried to get the worker at cash advance to dismiss the checks but the worker said they would not so I was told that this was not following the rules of statute of limitations and I need to file a complaint to have these dismissed. Please help on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have exhausted all of the traditional means available to resolve this issue. I have a serious issue with Wells Fargo and its credit reporting to a settled account that has no balance. I am trying to purchase a home but I am unable to move forward because Wells Fargo is incorrectly reporting me past due on an account that I have settled with them. No monies are owed. I filed disputes with the credit bureaus and XXXX just concluded the dispute with their being no change to the reporting. It has been over four months now since I settled this account. 

I need this account to report correctly and report that no monies are owed and nothing is past due. Please review the attached correspondences directly from Wells and the results from a dispute with 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 non-monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America allows you to set up an autopay function using their e-bill service. When you select what amount you want to pay, you have 4 options : Minimum Due, Amount Due, Account Balance, and Other Amount. 

Generally with other banks, you are given the option to pay Minimum, Statement, or Current Balance.

I believe Band of America intentionally uses vague options to confuse customers and collect finance charges. 

Amount Due is not equivalent to Statement Balance even though Bank of America indicates amount due autopays based on the amount outstanding from the bill. 

Account Balance is what you need to use to avoid finance charges. 

It feels like BoA intentionally made this process vague.

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 2020-11-27 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, HYUNDAI MOTOR FINANC add a hard inquiry on my credit report per XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have a car loan with Westlake financial bank and they take the car last year and they give me offer to pay {$950.00} and close the account I didnt have the amount in XXXX they call me and I take with customers service and I give them offer to pay {$400.00} and then next month {$200.00} and close the account they say yes I pay the {$400.00} and when I called this month to be the {$200.00} they tel me we cont make the deal I told them you Broke the deal that we made and thats illegal I want my money back and they refuse do anything

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 2020-11-27 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: CA

Complaint narrative:
I had a HELOC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called XXXX on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through XXXX, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called XXXX 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered XXXX reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called XXXX today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them ), but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that XXXX will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but XXXX has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.

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 2020-11-27 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: FL

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-27 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: MD

Complaint narrative:
Equifax violating laws reporting inaccurate information on Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never lived at the previous address listed see letter enclosed for dispute

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