vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted numerous disputes with Equifax regarding inaccurate information being from XXXX XXXX XXXX. The inaccuracies regards two closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's Equifax reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with Exquifax to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. Equifax needs to correct this issue or delete the accounts. XXXX XXXX also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did XXXX XXXX reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. Also, I need to make XXXX and Equifax aware because I believe this will be reported as well at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect is reporting fraudulent information on my credit report for medical bills for my son and me. My insurance took care of the bill for my son and Americollect still keeps reporting it because I paid the creditor directly. I also started making payments to the creditor and Americollect is not showing the amounts that I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I got a loan from Credit Acceptance in 2018. I made payments as stated in our agreement but when the pandemic happened, I was out of work and notified the company in which they told me they had no help for their customers. So I made the payments as best as I could. Most of the time it was paid on time and if not it was paid within 3 days from due date. I was notified that the amount was due on the XXXX not after and we dont have grace periods. So the first time I was late, the account would continue to reflect late payments each month until I paid that one late payment. I wasnt aware that it works that way. Even more, its hurting my credit trying to get a new car because of those unethical practices this finance company practice. It is a reason they are one of the worse companies. I didnt realize how bad those terms where until the pandemic. Also they lied to me about helping during the pandemic only to turn around and send an email about how they help their customers during the pandemic. Also this company practices harassing phones calls for one missing payments and didnt stop until I blocked them and paid. My credit report shows late payment every month because one late payment rolled over each month until it was paid. Had they given me the option to push that payment to the end of terms, I would have great credit. Its disgusting how this company hurt the very people who put money in their pockets and food on their tables. Shame on Credit Acceptance, they were never really trying to help me, just cause me more pain.

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 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
MY LOAN SERVICER HAS NOT PAID MY COUNTY TAXES THAT WHERE DUE IN XXXX AND ARE NOW ACCRUING LATE FEES. I HAVE ATTEMPTED TO EMAIL AND CALL MULTIPLE TIMES. THE EMAIL RESPONSES I HAVE GOTTEN ADVISE ME TO CALL, WHEN I CALL ALL I GET IS AN AUTOMATED MESSAGE.

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 2021-11-29 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: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have now reappeared on my credit report after they were originally deleted from my credit report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. I have attached screenshots as proof. 

Accounts originally deleted and reappeared after the FACT : XXXX XXXX XXXX .... Date opened- XX/XX/XXXX {$1200.00} DEPT OF EDUCATION/XXXX- XXXX .... Date opened- XX/XX/XXXX {$5500.00} DEPT OF EDUCATION/XXXX XXXX .... Date opened- XX/XX/XXXX {$2200.00} DEPT OF EDUCATION/XXXX- XXXX .... Date opened- XX/XX/XXXX {$910.00} DEPT OF EDUCATIONXXXX XXXX .... Date opened- XX/XX/XXXX {$1100.00}

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an Apple Card ( XXXX ) issued by XXXX XXXX. An important feature of the card is the ability to buy XXXX products on an installment plan with 0 % interest for 24 months. I took advantage of this offer and bought an items for {$1400.00}. on XX/XX/2021. 

I have faithfully always paid the full amount due monthly on the card since that time. 

I also used the card to make unrelated purchases from non-Apple merchants. One of those purchases needed to be refunded. The merchant refunded the money to my card. Note that this was after I had paid the balance on the card. I assumed that like any other credit card I would then have a negative balance on the card and could then get a check issued to me ( as per 1026.11 of the Truth in Lending act ). 

However, even though I have a negative balance on the card Goldman Sachs has refused to remit the funds to me. Instead they are holding the money and claim that they will apply it to any amounts I may owe in the future on a monthly basis. According to Goldman Sachs ' representatives this is because I opted to use the 24 month interest free offer. 

This is a clear violation of the Truth in Lending Act -- - and also unreasonably changes the terms of the 24 month interest free purchase ( which even they call an " installment '' plan ) after the fact. It is unethical and penalizes me for being a savvy/ethical consumer who always pays off his credit cards. Effectively they have turned a non-secured credit line into a secured credit line by holding my refund XXXX. 

I have raised this issue with Goldman Sachs customer service, escalated it to a supervisor and finally reached out to the executive offices of Goldman Sachs ( via XXXX ). They insist on holding on to the funds. 

Note that I have always paid what is due on the card. 

Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called BOA back on last XXXX regarding some fraudulent charges that I started noticing in my checking account statement several charges from XXXX XXXX which I had not authorized. I called the bank to investigate such charges and they asked me to send them the form called " Unauthorized ACH Return form '' which I have sent in at least 3 occasions but we have not had any resolution is been a long time trying to resolve this problem and up to now I have not received any resolution.

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 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo reflecting XXXX late payments.. Sent them bank statements as proof never later.

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 2021-11-29 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: FL

Complaint narrative:
Identity theft letter and FTC report attached for the second time

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 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
on XX/XX/XXXX I received a debt collection letter from a XXXX XXXX a attorney at LINEBARGER GOGGAN BLAIR & SAMPSON, LLP stating that they are " attorneys at law '' and that " at the time no attorney with that firm has personally reviewed the particular circumstances of my account '' I find this false and misleading pursuant to ( 15 USC 1692e ( 2 ) ( a ) - ( 2 ) The false representation of ( A ) legal status of any debt ) they have also failed to comply with my previous request for documentary evidence sent XX/XX/XXXX tracking # XXXX delivered XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: World Acceptance Corporation
State: AL

Complaint narrative:
I have submitted numerous disputes with XXXX regarding inaccurate information being from World Acceptance Finance. The inaccuracies regards XXXX closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's XXXX reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with XXXX to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. XXXX needs to correct this issue or delete the accounts. World Acceptance also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did World Acceptance reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am invoking specified remedy as a consumer and the original creditor Zero out any account balance Provide the XXXX XXXX of alleged debt Delete this alleged debt from all Consumers Reporting Agencies Provide an authentic signed contract between you, Collection agency, and XXXX XXXX showing proof that you and XXXX are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX is claiming owed. 

An authentic invoice for goods and/or services you provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX DETERMINATION IS REALLY BY THE USDJ AS THE USDJ STIPULATED A SETTLEMENT TO BOFA. I MET THE CRITERIA. 

USDJ NFP 57064, DOJ AP 2016 00437 BOFA NEEDS TO CONSULT WITH THE USDJ ON THE FINAL DISPOSITION OF PENDING MORTGAGE CLOSURE, AS A SETTLEMENT IS A SETTLEMENT, PENDING UNTIL CLOSED OUT AS BELIEVED. ( {$350000.00} HAS BEEN PAID OUT IN REAL DOLLARS TO BOFA SINCE XXXX, UNDER A DIFFERENT MORTGAGE NUMBER INITIALLY FROM XXXX ). USDJ/FBI FILES EXIST. 
BOFA SOLD XXXX XXXX XXXX, THEREBY, SHOULD NOT DOUBLE DIP, AS HOUSE IS WORTH MORE THAN SETTLEMENT FIGURE NOW. ( THIS IS AFTER FAMILY PROTECTION TRUST PAID OUT A CONSERVATIVE FIGURE OF {$350000.00} IN REAL DOLLARS. 

Bank of America needs to concentrate on BofA USDJ Settlement disposition on XXXX, XXXX XXXX XXXX, XXXX, CA. 

Settlement appears to be still open. 

After approximately {$350000.00} in real dollars has been paid to BofA, the Settlement was presentedI accepted the criteria. 

I believe Bank of America should NOT take advantage of seniors. ( Elderlaw ) and double dip. 

CAN A REQUEST BE MADE TO BANK OF AMERICA, TO CONTACT THE USDJ, AND RENEGOTIATE WHAT BOFA SETTLEMENT SHOULD BE AT THIS POINT. THE USDJ KNOWS THE DETAILS AND SPECIFICS OF THE BOFA USDJ SETTLEMENT. 

PLEASE ASK BOFA XXXX XXXX TO CONTACT THE USDJ FOR SETTLEMENT DISPOSITION NOW. REFERENCE CONVENIENCE, THE USDJ/BOFA LETTER WILL BE ATTACHED TO THIS CFPB SUBMITTAL. 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 2021-11-30 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 provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. Under the FCRA XXXX provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2021-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America and XXXX XXXX have withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. Although I have made several calls to Bank of America, they have intentionally withheld information about the sale of my mortgage to XXXX XXXX. In addition, XXXX XXXX has delayed and continues to withhold information from me and the title company stating they can not share information over the phone. Furthermore, they require me to pay for documentation or receive it via mail, intentionally delaying sale my property.

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 2021-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash XXXX This account was open on XX/XX/2019 I want this off my credit I didnt open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My account is restricted, I can't withdraw my money, they don't have information on why, or what to do to my account to function again. They have a really bad customer service, and there is no answer to my question in faq.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Im not sure of the exact dates but I started receiving account statements from them every month but never opened an account. Called them to cancel the account and they said its canceled talked with the credit bureau and set a fraud alert on my account. But still recieving mail about my account that suppose to be closed.

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 2021-11-30 00:00:00
Product: Vehicle loan or lease — Loan
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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I XXXX XXXX, a consumer, made a consumer credit transaction with XXXX XXXX on XX/XX/2021 in good faith. After obtaining my vehicle registration I noticed a error on my title ( XXXX XXXX XXXX ). Santander Consumer USA is labeled a lien holder on my title but i have no account or loan with this corporation. I contacted Santander Consumer USA about this error and they confirmed my title is in their possession. After noticing the title was in the system, I informed Santander Consumer USA that an error was made and asked them if the corporation name could be removed from my title and if they could contact Pennsylvania Department Of Transportation and electronically remove this lien. A supervisor of the corporation informed me that it is no known fact of why the error occurred but Santander Consumer USA are not able to release my title and remove their name as a lien holder. I also contacted the Pennsylvania Department Of Transportation about this matter and they gave me supporting documents verifying Santander Consumer USA as the lien holder on my vehicle. This matter is now considered fraud and Santander Consumer USA was notified that an error was made.

Company response to consumer: Closed with explanation