vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus.

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 2021-02-23 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: Synovus Bank
State: FL

Complaint narrative:
I defaulted on a credit card with First Progress, date of first delinquency XX/XX/XXXX. It became a charge off and I paid it in full XX/XX/XXXX. I started sending goodwill letters in XX/XX/XXXX as I was trying very hard to clean my credit report. First Progress changed the information in my credit reports ( XXXX  and XXXX ) to a brand new charge off in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so it is showing on my reports as a brand new missed payment, derogatory charge off every month. 

This is causing severe damage to my credit score and has caused me to be turned down for loans and credit increases through my bank, XXXX XXXX XXXX XXXX. I have disputed with the credit bureaus, XXXX XXXX XXXX  and the company directly to remove the false reporting. They refuse to do so and keep reporting it as a brand new charge off every month. 

I realize I made a mistake in XXXX. I paid for my mistake in full XX/XX/XXXX. They are not allowed to keep reporting as a brand new charge off every month. 

I spoke at length with the XXXX following my attempts to fix this. The company admitted what they were doing and claimed twice the fixed the issue. XXXX recommended I take a complaint through CFPB because of the companys illegal reporting. ( Ref # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is claiming that I owe them {$2300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I received a bill from BMW Financial Services, dated XXXX XXXX. On XX/XX/2021 I sent out a letter for Validation of debt along with a Cease and Desist and. A few days later representatives started to contact relatives in my family along with myself. They also threatened to place this item on my credit report if i did not agree to pay this alleged debt. 
A few days after this occurred, I received a bill from a debt collector, XXXX XXXX XXXX. 
This is a clear violation of the law. I proceeded to send a Debt Validation letter to them as well and I'm currently waiting for their response. 
I received an email from BMW Financial Services AFTER I was threatened and disrespected by their representatives, and AFTER receiving a bill from a debt collector when they clearly received my notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I made a purchase of an item in the amount of {$650.00}. The item purchased was never sent and I contacted the seller with no success. All the contact information was then disconnected. I contacted the vendor to reverse the charges and was denied. I filed a police report as well which the bank said they never took into consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} EOS CCA XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TARGET/TD XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MN

Complaint narrative:
Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.

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 2021-02-23 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage, who handles our loan failed to make our property taxes on time. The property taxes for our home are due by XX/XX/XXXX. Contact was made to our mortgage company several times as we were concerned our taxes were not paid due to late notices and payment delinquent notices received. As of XX/XX/XXXX after contacting our local tax property tax department, no money has been received and as of this date our taxes are still delinquent. We have until XX/XX/XXXX to pay these taxes and if not paid our home will at a point be sold or advertised to be sold ( this information was told to me by the local authorities for unpaid taxes ). This is a very stressful time as we were under the impression this company was taking care of our property taxes. After contacting Freedom Mortgage about our concern, we were told that the payment was made on XX/XX/XXXX, nearly 2 months late. As of now, no payment has been received and we will be left to pay the balance to avoid any tax lien. 

We do have an escrow account and have it set up for our home owners insurance and property taxes to be paid by the mortgage company. I recently checked my statement and account and it does state that taxes were taken from our escrow account on XX/XX/XXXX. Why were they not taken out of escrow and paid in XXXX of XXXX, when they are due? How long are we supposed to wait for this check to be received? What if it does not get there, or is lost? We are on a time line of days as of now and unfortunately we are left to pay the balance or possible lose our home. Another concern we have is our home owners insurance. Will this be paid on time? Do we have to worry about our taxes not being paid at the end of this year and further years?

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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: NY

Complaint narrative:
I was contacted by Tate and Kirkin Associates, INC XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PA XXXX BY PHONE AND MAIL. 
I wrote and explained to them sending them proof that I DO NOT OWN XX/XX/XXXXANY MONEY.. I showed proof that they had to return money to me.. This is the second collection agency that XXXX has sent after me for money I do not owe. On top of that I showed proof I am on welfare and that XXXX XXXX XXXX is wrong for saying I owe this money. please help me to stop them from threatening and bothering me XXXX XXXX SENDING collection agencies after me..There address isXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX NY XXXX PLEASE PLEASE PLEASE HELP ME How do I stopXX/XX/XXXX FROM KEEP SENDING CREDIT AGENCIES AFTER ME. 
And how do I stop TATE AND KIRLIN ASSOCIATES FROM HARNESSING ME?? 

THANK YOU FOR YOUR TIME AND SUPPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a credit card with BANK OF AMERICA and I've been consistently been charged excessive interest rates on the card which I've complained about on numerous occasions. 
Now, I'm facing a severe economic and financial hardship due to covid19 and I've tried to resolve the matter with BOA, but they've been most uncooperative in the matter. BOA is engaging in predatory lending practices which are unethical and egregious practices and must be investigated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Car was bought back in 2004 and was repossessed. I feel it's to old to keep showing up on my reports and for them to keep trying to garnish my pay.

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 2021-02-23 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: AZ

Complaint narrative:
OnXX/XX/XXXX, I received an alert that someone attempted to apply for Capital One credit using my information. 

I called and notified Capital One that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

Capital One opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by Capital One for a credit card. Capital One failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by Capital One nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is not sympathetic to customer hardships caused by the pandemic. I feel they are practicing unfair and excessive fees to my account. I have not had a full accounting audit of my account from the beginning of my opening date but just focusing on the most recent charges I noticed they are charging me multiple fee 's on a payment that was returned due to NSF and they reprocessed in the same month and charged another NSF fee. Double processed NSF payment and double NSF fee to the same merchant in the same month. Not until recently did a representative offer to switch my account to a safe account which will not allow me to go negative. 
I also feel that its misleading although in terms ( which I didnt not read thoroughly ) to offer a overdraft account and they transfer money as needed to avoid my account being negative then charge me a fee for that service so if its needed multiple times a day or in the month to transfer funds the fee is added as well.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AZ

Complaint narrative:
On XX/XX/XXXX, I received an alert that someone attempted to apply for XXXX XXXX credit using my information. 

I called and notified XXXX XXXX that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

XXXX  XXXX opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by XXXX XXXX for a credit card. XXXX XXXX failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by XXXX XXXX nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: TIDEWATER FINANCE COMPANY, INC.
State: OH

Complaint narrative:
On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, Tidewater Finance is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a Tidewater Insurance representative XX/XX/XXXX in which she confirmed on a recorded phone call Tidewater Finance received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( Tidewater representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason at all when I am using it for my business and i make transactions through goods and services. It must be a mistake as i confirmed i am over XXXX as they asked sent the tracking info and invoice and they still closed it without reason. I feel they are not actually checking the info at all as this has happened with many people before. The email linked to my PayPal is XXXX, Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Old Republic National Title Holding Co.
State: FL

Complaint narrative:
Good morning, I applied for a HELOC loan with XX/XX/XXXX. When I applied for the loan, XX/XX/XXXX asked me pay off two credit card balances XXXX XXXX and XXXX XXXX. 
The balance of the chase credit card was {$9000.00}. When I received the check from Old Republic Title, I went to the bank to pay off the balance, but they didnt received the check because the balance by the time was ( {$7700.00} I had paid days before {$1300.00} ). I called Old Republic Title and the representative asked me to void the check and she will send me another one for {$7700.00}. I received the check, went to bank and paid off the balance. 
The issue was, Old Republic Title didnt update this change to XXXX, they didnt update the amount of money paid was {$1300.00} lower and I am paying ( still ) the original amount of {$9000.00}. 
I made many complains to USBank including two complains to CFPB. Finally, I understood the mistake was not made by XXXX but Old Republic Title. 
I am requesting to refund {$1300.00} + Interest paid. 

Old Republic National Title. XXXX

Company response to consumer: Closed with explanation