vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX, I opened an account in BBVA. I never received the debit car even though I requested it three times. On XX/XX/XXXX, I asked they send it directly to the bank so I could pick it up later because I was going to be out of the US for several weeks ; however, they never gave it to me. Starting on XX/XX/XXXX someone withdrew money from my account for an amount of {$6800.00} dollars, and I realized that until XX/XX/XXXX. I opened a dispute with BBVA, since I never received the debit card, for an investigation on who and how my money was stolen and I sent documents proving that I was not in the US at the time ; but the bank hasnt done any real investigation on the matter and they simply refuse to give me my money back. Since the beginning, this bank has continuously made mistakes because of their poor security and investigation processes and they wont own their mistakes. Ive had to open 5 different disputes and they are not interested in resolving the issue. Because I, being the victim, have been treated as the aggressor ; and it is a totally unfair and irresponsible conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am trying to get a HELOC with TD Bank. I feel I am the victim of Red lining. I fully renovated a home in XXXX. The bank refused to go inside to see the renovations. 
They only did a drive by. Similar Houses are selling in the area for at least XXXX. They would only do the heloc for XXXX. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dept was paid off and I receive a letter stating the item was removed, but its still showing on my credit report as a negative inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This was a XXXX XXXX XXXX that was purchased by Specialized Loan Servicing with escrow in place for taxes and insurance. Specialized Loan Servicing let my hazard insurance expire for several months after become due, then charged me for lender placed insurance at almost three times the expired policy rate without notice. Then after I purchased my policy they added the prorated amount paid to my escrow increasing my monthly payments by over 25 %.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: MA

Complaint narrative:
getting calls from XXXX asking to pay tax from DC office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NJ

Complaint narrative:
please check the following accounts that were reported on my credit report without any authorization, they do not belong to me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: I.C. System, Inc.
State: MO

Complaint narrative:
IC Systems is reporting a debt on my account that I do not owe. They are claiming I owe a balance for XXXX XXXX XXXX unreturned equipment. I sent the equipment back! I have attached the ticket below stating that the equipment has been returned. I owe nothing to XXXX XXXX XXXX and they need to remove this.

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 2021-07-01 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: FL

Complaint narrative:
I am a victim of identity theft. The information below, which appears on my credit report does not relate to any transactions that I shave made. It is the result of identity theft. 

1. Us Dept of Education in the amount of {$1900.00} 2. Us Dept of Education in the amount of {$8900.00} 3. Us Dept of Education in the amount of {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NV

Complaint narrative:
Good Morning, I am filing this complaint on XXXX XXXX XXXX. I have checked my credit report and from the period of XX/XX/XXXX through XX/XX/XXXX they have reported false/incorrect information, On my credit profile it has stated during these time late payments, repossession, and as well foreclosure. I have sent in dispute letters to the credit bureau Experian and as well XXXX XXXX ( finance company ). 

According to the rules/laws of reporting late payments the payments has to be at least 30 days past the due date. I have attached screenshots during this time from my payment history form from them. It will not show consistent 30 day late payments for each one of those months. 
Also they have made my status of repossession for the time period mentioned above as well when I have had the car during this time and making payments. Also they have reported to Experian that my account was in foreclosure. This is a car loan not dealing with any mortgage. 

I have called and asked for this to be removed and was told that the credit bureau made the mistake. Contacted Experian and they verified the info stating its correct. So I asked finance company again to update but no further response. 

I have attached screenshots of the payment history and payments made. I will also insert the letter sent to finance company to remove the false information.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: SC

Complaint narrative:
In purchasing a new house with a new mortgage, I applied for and received homeowner 's insurance from XXXX XXXX, through an agent. I believed the premium was too high, but was told it was the best on offer, so I consented to the policy ( XXXX, XXXX ). 

I did not receive any written communication from the insurance company and paid the insurance premium during closing on the new house on XX/XX/XXXX. There was a delayed possession of the house because the original owners were not ready to move out, so they have rented the house from me ( and my wife, joint ) until XX/XX/XXXX. My mail was sent to that house and a neighbor collected it for me, so I did not see any mail from XXXX until XX/XX/XXXX. The letter provoking this complaint was postmarked XX/XX/XXXX and dated XX/XX/XXXX. It was postmarked from zip code XXXX ( Iowa ). 

Included in the very large packet of insurance information was a letter informing me of an adverse action based on erroneous credit reporting by LexisNexis, a company I have had no contact with at any point. 

The specific adverse action is, '' Based on consumer report data, the premium you were offered was not the lowest available fo the program applicable to your policy. '' The specific reasons were listed as 4 codes ( XXXX, XXXX, XXXX, XXXX ), all of which were either " insufficient information '' or erroneous. No attempt was ever made to contact me or my wife about these issues, other than this innocuous looking letter we received months after the adverse action. 

I immediately contacted my agent, who informed me he had no knowledge of this as he was restricted by privacy laws from receiving this kind of credit information. I then called the number for LexisNexis Consumer Center ( XXXX ) and listened to a fully automated set of instructions on how to obtain my credit report. There was no option to file a dispute, other than asking for my " NCF Reference #. '' This kind of bureaucratic run-around which takes much time and effort ( which my wife and I can not afford ) leaves me feeling there is no hope to get my rights respected and my credit restored to what it should be. I am being penalized by paying excessive premiums, and my agent informed me that switching insurance companies would make no difference as they all use LexisNexis. 

Another possibly relevant fact is that there was a massive security breech involving the S.C. Department of Revenue in XXXX, and I was advised by many experts to " freeze '' all access to credit reporting from the major agencies ( XXXX, XXXX, XXXX  ) which we have done and continue to do. This may be a reason LexisNexis had inaccurate information. It is not, however, an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal put a limitation on my account that i can't resolve. my visa card is already broke and i can't change it because i can't add othere card on paypal account cuz its limitid. its hard to resolve if i can't add other card on my paypal account my paypal email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I want to start off by saying Ive been on time with all my payments since I got this loan back in XXXX with advance financial, a loan of {$1000.00} dollars to move into my new home. To start off they never told me about these very high fees I never had a problem with paying the loan on how they explained it to me on top of that they did not tell me every month fees would be different which I did call about early back in XXXX and they said they couldnt do nothing about that! That was a mistake a sales associate made ok fine no problem ... like I said before Ive never had problems paying twice a month the {$100.00} each due on dates 15th and the 30th on top of that Ive been on time every single time and Ive always payed $ XXXX {$50.00} dollars to beat some of the interest fees but what I find very unacceptable is that Ive been paying on top and still no change they are telling me that in 6 months my account has only went down to {$720.00} dollars when my loan was only {$1000.00} is kinda ridiculous! In 6 months Ive paid {$1000.00} and a lil over that i still didnt mind paying if it was at least going down but only {$200.00} dollars down is just a scam! So I called in today to get on and arrangement plan because Im going through some patches in my life, mind you Ive always been on time never had an issue on my end. And she told me they could only hold 15 days and that would make my account balance go back to {$900.00}, I called today XX/XX/2021 first payment missed XX/XX/2021 ... I just think this loan was such a lie and they down so bad on there end to help me out I even offered to pay {$400.00} today and if they can hold the account Ill pay the rest in a week or so but that would put my account back to XXXX $ so I would be throwing all my money away and I dont find this fair not one bit! Im wanting some help and nothing so thats why Im doing this complain to see if there something out of ADVANCE FINANCIAL I can do because its ridiculous how they see people PAY ON TIME and paying more then expected but only {$200.00} off of a {$1000.00} dollar loan I got in XXXX and been paying at least $ XXXX {$300.00} every month is a scam its ridiculous and Im not trying to mess my life or credit over something that is out of my control and its a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TX

Complaint narrative:
i've sent several notices even sent certified letters the company refused to send me proof they have in their records showing how debt being reported that's not mine were certified verified buy lenders/source

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have discovered an error on my credit account. The following account is reported inaccurately : Company Name : IC SYSTEM XXXX XXXX is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
1. Our loan was with XXXX XXXX for XXXX years. 
2. Covid 19 struck and XXXX XXXX automatically enrolled us in the program that suspends payments due to the pandemic ( see attached ). 
3. Specialized Loan Servicing apparently bought our loan from XXXX XXXX at the 15 of 30 year point right as COVID-19 struck. They did not honor XXXX XXXX loan payment suspend. 
4. I was XXXX XXXX due to Pandemic. 
5. SLS offered a forbearance plan with warm soothings that they knew their clients would need loan mods or repayment plans because they wouldn't be able to make a lump sum payment at the end of the forbearance. They stated in writing that they would assist in repayment efforts. 
6. Now that my forbearance plan ended SLS is refusing any type of loan modification or repayment plan and only giving me option of deed in lieu or foreclosure. My income is well above their parameters, my credit is well above too. If they were going to force a lump sum payment, they should have said that upfront, instead they misled in writing and in their marketing online as well as correspondence within online account holder areas. I have proof. 
I tried to pay monthly payments beginning XX/XX/XXXX ( end of plan ) but they sent all the payments back. I send them again, they send them back stating they don't accept payments from a delinquent account!! 
Further, because my wife died of XXXX XXXX before all this occurred, SLS dragged me through an additional 4 months of default. They wouldn't begin the process of letting me apply to modify loan and repay forbearance months until I was the legal successor and it took them four months to receive documents and reach that point. Then another 2.5 to receive and deny my paperwork requesting mortgage assistance in the form of a loan mod or repayment plan.

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 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
This is a formal complaint against Radius Global Solutions for attempting to collect a debt that does not belong to me. 

On XX/XX/2021, I received a notification from XXXX, XXXX, and XXXX  stating a collection for {$230.00} was reported to my credit report by Radius Global Solutions. This debt was reported to my credit report in error. I do not haveany collections with Radius Global Solutions. Furthermore, I have never received any correspondences, written or verbal from Radius Global Solutions informing me of the debt. 

Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request Radius Global Solutions remove the collection from my credit report for all three credit bureaus, XXXX, XXXX, and XXXX  as this debt is invalid and does not belong 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