vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These account is involved in litigation. 
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 50days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2019 I went to a bar and was later charged {$300.00} on my BofA visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XXXX, I filed a complaint with Visa and BofA. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of BofA, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with XXXX and the XXXX with little to no results. I want my credit rating back!!! 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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. Thank you! 

P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX I received a bill for purchases I did not make. I reported fraud with the company ( XXXX XXXX ). They canceled the card and sent me a new one with a new #. The next month I received another bill with more charges. Again I called to report fraud and told them I do not want another card. Cancel my account. This happened for three more months which I reported fraud and how can they make changes on an account that was canceled. Now they are saying they refused to accept fraud charges because I live less than an hour from where the charges are made. I refused again and they are looking at it again as one claim

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 2021-01-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX requested deferral under the Cares Act due to loss of income XXXX approved for 3-month deferral beginning XX/XX/XXXX through XX/XX/XXXX XX/XX/2020 XXXX begins the process of requesting an extension XX/XX/XXXX through XX/XX/XXXX follow up multiple times a week to request status of the appeal and provides any and all requested documentation XX/XX/XXXX receive letter denial of extension XX/XX/XXXX began process to appeal denial XX/XX/XXXX lender requests additional documentation XX/XX/XXXX call XXXX have conference call with XXXX and my attorney due to no update on status on appeal XX/XX/XXXX property is sold XX/XX/XXXX XXXX sends satisfaction of mortgage letter XX/XX/XXXX begin purchase of property in Texas XX/XX/XXXX lender contacts me to provide documentation of forbearance as credit bureaus show the account was closed as 120 day late XX/XX/XXXX call XXXX requesting letter showing forbearance period XX/XX/XXXX call XXXX for status on of my forbearance letter, told XXXX decided not to send letter and was just correcting bureau. Told XXXX to send letter I requested, was told would be getting response in 48 hours XX/XX/XXXX receive letter stating that they completed a request to take the forbearance of the mortgage ( which was not requested ) and payments to begin XX/XX/XXXX on a mortgage that is paid off and closed XX/XX/XXXX call XXXX with mortgage broker to get his assistance to have them correct the account. XXXX stated they have 30 days since I called on XX/XX/XXXX to correct the account status with the credit bureaus. When requested documentation be sent to me for proof of what the agent stated on the call. She hung up.

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 2021-01-04 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: GA

Complaint narrative:
I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: FL

Complaint narrative:
Ive been going back and forth with Experian regarding the sander account reflecting on my credit report and their continuing to show and verified this account even though Ive reached out to attorney general and advised them of the settlement and lawsuit against XXXX please help they continue to say they updated my report or verified this account. No updates show nor does anything reflect showing a thoro investigation being performed please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: IL

Complaint narrative:
I have sent XXXX and TransUnion verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and XXXX. I have never given Lexis Nexis written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and XXXX and they both said that Lexis Nexis provided them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I traded in a XXXX ( financed through tidewater ) and the new loan paid off my car loan with tidewater. This was early XXXX. I didn't hear anything from XXXX until the beginning of XXXX when I receive da letter saying the loan was paid off and amount owed was {$0.00}. A week later I received REPEATED calls stating that I owe one payment that wasn't paid off by the trade in because apparently it was scheduled to come out of my account on the XXXX, the trade in was paid off the XXXX so the payment showed as credited to my account, making the tradeoff payoff amount less the payment. I told them no one told me this for 3 months, the letter I received shows I know {$0.00} and on my creidt report it shows them as being paid in full, with no derogatory or late payments in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a threatening letter in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a consumer credit card with Wells Fargo. In the XX/XX/2020 credit card statement Wells Fargo sent me, it include one page with two of checks on it saying 0 % Promotional APR for 15 months with a fee of 4 %. ( see attachment Wells Fargo Promo ) I used one of the checks ( # XXXX see attachment hu check ) and deposited {$11000.00} to my checking account at XXXX. 

On my XX/XX/2020 Wells Fargo credit card statement, I found out they did not honor that 0 % promotion balance transfer offer ( see attachment for XX/XX/2020 statement ). I was charged {$100.00} interest. They are charging me 15.49 % interest on the {$11000.00}. 

I called Wells Fargo three times, the first 2 times representatives told me I used a cash advance check. But even in the credit card statement they sent me the balance is in balance transfer category. And on the check that I used, it says Balance Transfer Promotion not valid after XX/XX/2020. They told me to wait because they need to ask their supervisor. The last time I called Wells Fargo, the representative hanged up the phone.

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 2021-01-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander has continued to validate this account with credit agency dispute me notifying them that I fall under the settlement for the current lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Franklin Collection Service, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I received a credit bureau alert through XXXX XXXX XXXX XXXX and XXXX XXXX, that a new debt was placed on my credit file. The name of this company is Franklin Collection Service of XXXX, XXXX XXXX on the behalf of XXXX XXXX XXXX. On XX/XX/XXXX I promptly called XXXX and began a dispute and requested information about the collector. I called on the same day and spoke to a Franklin Customer Service Rep and asked about the debt. I was informed that the name on the debt is not mine but of some else. Knowing this, I requested the false information to be removed, which I declined, I do not know if this company is legitimate, besides Franklin issued the complaint, the burden of proof lie with them! I asked about information of the debt like address, year this account was opened, phone numbers, but they would not release the information. Franklin know about this inaccuracy, and will not do anything and this is illegal! According to the XXXX, this company have a transparency issue, and have racked up 150 complaints in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
This company keeps billing me and then improperly applying my payments to the loan ( in different ways XXXX so that they can charge me late fees and ask me if I want a forebearance. They answer is " NO! '' I have income based payment set up and I'm trying to pay off my loan. They are conducting predatory lending practices. 

I have been trying to make regular payments but each month there is a problem with Navient. They do not apply the payments properly to the loan and then they charge me late fees. When I've tried to pay old late fees, of which I believe have been charged improperly, they took the late payment and applied it to interest and not the late payment ( which they billed me for ). When I called to complain they agreed to refund me the money I sent in to pay the late payment. They then refunded the money and sent me another bill claiming I didn't pay last month 's bill and charged me more late fees. I'm on the phone with then now and they are looking into the most recent issue. They see that I made a regular payment last month but they screwed around with where they allocated the money so that it was not applied properly and now I have more fees. They are telling me they are going to fix it but this issue occurs every month. Every month, they send me a bill, I pay it in full, then they apply it in a way other than how they billed me. Then I get changed late fees and offer me forebearance. 

his is all a trick to prevent me from paying off this loan and to extract more fees and interest from me. I need this situation with this company handled permanently. I did not agree to have my loans sent to this company. I need to the contact information to an agency or law firm who will investigate this issue in earnest. I'm not going to call these people to complain and fix the issue every month. I want this investigated and fixed or I'm going to take this even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I have a debt showing on my credit report for a company i have never heard of NCB Management Services. On my credit profile it shows they are trying to collect a debt that they say i owe or owed to XXXX  XXXX XXXX. XXXX was found by a Coalition of 34 State Attorney Generals to have violated consumer protection laws in auto loans with a high probability of default. i have never heard of this company ( NCB ) and they are trying to collect a debt from me from a fraudulous other company XXXX XXXX XXXX. This is fraud and i would like this removed from my credit report immediately. XX/XX/XXXX a settlement was announced as a result of this investigation into XXXX  where XXXX exposed borrowers to unnecessarily high levels of risk. NCB is trying to collect a debt from me and i would like them to be removed from my credit report immediately. also my state attorney is apart of the investigation into XXXX. all of this is fraud and preventing me from purchasing a home for my family. terrible just terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I refinanced my HSBC loan with a new bank in XX/XX/XXXX. HSBC Unjustifiably charged me {$3400.00} at the closing date. HSBC stated that this amount was belonging to my outstanding unpaid fees from XXXX loan modification. HSBC it is stating that its previous loan servicer, XXXX, did not include {$3400.00} in the final loan modification amount, therefore, this amount should have been paid at the time of future refinance. The executed note Modification agreement in XXXX clearly stated that all unpaid amount including interests and unpaid fees are summed as my new loan balance. There have not been any signs of additional amount {$3400.00} anywhere else. Within the last five years from XXXX HSBC never communicated nor disclosed that such amount {$3400.00} had existed. Therefore, I can conclude that such amount did not exist. And, even if HSBC is stating that his previous loan servicer forgot to include this amount in the loan modification agreement this would be a serious mistake solely caused by the HSBC previous servicer. HSBC should have gone after his incompetent servicer for HSBC lost money not after me as an honest consumer which have no control over the servicer 's mistake. I agreed to sign the loan modification agreement based on the facts and contractual information which were clearly disclosed. I would not have signed the loan modification agreement if {$3400.00} was included in the first place. Therefore, at this time, I request HSBC to pay my money back as soon as possible. As it can be inferred from media and public information sites, this is not the first time that HSBC is causing such errors and violating good faith lending practices. As a customer, I should be protected, and my voice should be heard. HSBC failed to make its own fiduciary on time assessing its third-party wrong doings. Again, the said amount, {$3400.00}, if existed should have been disclosed to me within much earlier time but not on my refinance day. I believe justice will prevail at the end especially in our beautiful country, USA. Again, I demand HSBC to release my money and amicably resolve this issue internally as soon as possible. Thank you.

Company response to consumer: Closed with explanation