vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: OK

Complaint narrative:
I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to XXXX XXXX, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as XXXX is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM

Complaint narrative:
I filed a complaint with you guys about PennyMac and how they're trying to scam people into forbearance as opposed to payment deferment during this crisis. So I left a complaint with you guys and the next day for some reason they call me up to talk about it I just think it's kind of weird they call me to ask about a complaint I made this should be done privately I don't know why you share information with them I feel intimidated by them calling me up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX XXXX {$430.00}

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 2020-05-13 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}

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 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I already have a pending complaint with TD Auto Finance with them deducting a extra payment from my bank account. On XX/XX/XXXX a representative from TD bank called in regards to the previous complaint. He had told me to cancel my fraud claim with my bank which is XXXX XXXX XXXX. I explained TD bank can not refund my money it will take 30 days or even to mail a check will take 5 to 10 days I have other bills to pay and my bank can return my funds by today. At that point the representative told me because I chose to do this thru my bank my TD auto finance account will be charged a overdraft charge per my contract. I explained so TD bank took an extra payment from my bank account and because I want my money back TD bank is going to charge me a return check fee. The representative that called me was threatening in demeanor and I told him I will file another complaint this is wrong and customers should not have to suffer for their mistakes. I never been late on a payment and always paid ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Nothing. As usual, Equifax demands that I do things their way. They refused to help me in any way. I should not have to order my free report in writing because their so called " security questions '' DO NOT pertain to me or my credit at all. I am trying to verify what is on my credit report so that I can proceed to get a mortgage loan. All 3 credit reporting agencies are a pain in the XXXX to deal with and do not care about the people who work very hard to do what they are supposed to do financially. Why are there 3 of these XXXX companies anyhow? One is plenty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I received a collection letter from PRA. It stated that I owed a debt for XXXX. When I contacted the original creditor, they said that I did not have any debt owed, they actually owed me a refund check for overpayment on the credit card. I was sent a refund check from the original creditor.

I sent a request for validation to PRA on XX/XX/24 - They responded and claim the debt is valid, so I asked for more proof. They never responded and proceeded to report this to all 3 credit bureaus, dropping my score over 150 points. 

There is no debt, how can a company damage my credit with a fake debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have applied for a personal loan with USAA on XX/XX/2019. On XX/XX/2019, I attempted to pay off said loan. I called to pay it off but was instructed to submit the payment online. I did so and the account reflected XXXX balance in 2 days. I also received a letter that the loan was paid off ( attached ). I did notice however that the funds were not withdrawn from my checking account. I called to inquire from the bank regarding the reason funds were not withdrawn and they confirmed that according to their records the loan was paid off. I continually checked for 3 weeks, and the loan balance continued to reflect XXXX balance ( I last checked on XX/XX/XXXX, and the balance still reflected XXXX ). I then traveled internationally for a few weeks ( but checked by voicemail and e-mails regularly ). Upon my return and on XX/XX/XXXX, I received a call from a collection department stating my loan was delinquent. I was surprised and stated that I received no communication ( letters, emails, or calls ) from the bank stating such problem. They declined to admit any wrongdoing. I paid the loan off immediately. However, when I checked my credit report, I noticed USAA had reported me to the credit bureaus which negatively impacted my credit history/score. I called them and stated the amount of effort I took to insure this loan was paid and the lack of effort of their behalf to communicate with me. I asked them to reverse the credit reporting, to which replied, " sorry there is nothing we can do ''. I have contacted their customer service department and e-mailed their board of directors, without any responses. 

I am a XXXX XXXX XXXX, a practicing physician, a responsible citizen, and a XXXX loyal customer of that institution ( with no history of any delinquent payments ). I have an immaculate credit history. This is the only negative mark on my credit report, and this can cost me dearly over many years. 

I wish to reach a resolution with USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This complaint is the result of New Res ( Shellpoint Mortgage ) negligence, unfair business practices, incorrect and inconsistent credit report across bureaus, and some other violations to the California Credit Reporting Act. 

The account is the following : account # XXXX opened XX/XX/2019, highest balance {>= $1,000,000}. 

I am demanding a fair solution, and this company must remove the item from my credit report. This situation is overwhelming. Ive been psychlogically affected because of this issue. 

Please send the attached documents to Shellpoint Mortgage. 
Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I have been on bedrest and out of work because I had a XXXX of my XXXX I have made arrangements with the company to pay my bill for my account and when I called to do this explained my situation and what i wanted to do and never once did the rep say my account was closing giving me a malicious payment plan knowing if the account was closed it wasn't my priority bill to pay as my priority was to maintain open household bills when i called few months later to get my mother a gift for taking my kids during my hard time I asked the rep why is it showing there isn't a available balance when the accounts been paid and the rep told me the company closed my account for not paying yet I have receipts of payments I am no seeking legal damages for the company for discrimination and malicious attempts to collect a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
See attached uploaded file for the letter and explanation. BMW Financial put a 30 day late on my credit report and is refusing to remove it. It was not 30 days late but then it reports on my credit report in two different months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
On these days are the dates and amounts that funds were taken from my prepaid debit card without my authorization. 
XXXX {$160.00} XXXX {$140.00} XXXX {$130.00} I have been trying to get in contact with the company for 2 days.When I call either the line is busy, an automated system prompter becomes available then the phone automatically hangs up in which I have to keep calling back to back and also being charged each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TN

Complaint narrative:
On XX/XX/20, I called Bank of America because on their web site it says that the customer can request refunds for overdraft fees, non-sufficient funds fees, and monthly maintenance fees through the banks Client Assistance Program ( CAP ). When I called, the lady tried to tell me that I can only request the credits but that the bank can deny the credits too. That the bank would only credit back any fees that were a result of fraudulent charges. I asked why then does the B of A web site say that the bank will credit back the fees and does not state anything about only crediting back fees that resulted from fraudulent charges. Bank of America is completely lying to all of their customers telling everyone that they will credit back the fees as a good jester because of the coronavirus. The bank will not credit any fees back. This bank is blatantly lying and misleading their all of their customers. They should be held responsible for what they said that they would do and credit the fees back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP
State: IL

Complaint narrative:
I not receiving my benefits that XXXX, & Unemployment are sending me can not seem to talk to anyone about this matter it very frustrating when u have money and can not get to it. The name of this Bank is KEYBANK all cards have the same # `s XXXX! Need help obtaining my money. When calling it leaves u on hold for hours and thats not fair to me and when they pick up they hang up. So please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have received a number of damaging reports regarding a debt for a credit card opened with Capital One. I was recently declined for a line of credit due to not enough open account and a late payment history. While searching through the details I have found that XXXX is listed this closed account as XXXX off XXXX times, late XXXX times in the last 60 days and written off. Here is a history of what has transpired. Account opened XX/XX/XXXX and closed due to non-payment on XX/XX/XXXX. In XXXX of XXXX a collections company by the name of XXXX XXXX XXXX XXXX contacted me via written correspondence and phone to collect the debt for the balance for the card ending XXXX. Eventually this debt was placed with the law firm XXXX XXXX who is now handling the account and has successfully filed a law suite in the event that I don't keep the payment arrangement. Starting XX/XX/XXXX I have made monthly payments of {$54.00} having recently paid for the month of XXXX. My credit report shows a negative history for all months from XX/XX/XXXX through today. Capital One is reporting the debit as a late payment as well. I found an note on the file with XXXX in the additional information section that the account is written off and deemed unable to collect. I have printed out this detail. As of today the written off note has been removed per my dispute, but, nothing else is shown correctly. I had a conversation with the collections department at XXXX XXXX on XX/XX/XXXX where it was advised that a dispute would be placed on my behalf to update the late payment status. The dispute is still in pending status. I would like the company to fairly and accurately report this account. It has not been charged off XXXX times and should not be reported as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My issue is with XXXX that since XXXX I have requested my records and noted verified that yes the account/ debtvdoes belong to me. However, my dispute is with XXXX that it as been 5 years as of XX/XX/XXXX that that you are still reporting Bank of America that was last reported XX/XX/XXXX. My question and complaint is why is it that XXXX not remove this record that is past the statue and if I'm not able to not send an explanation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been trying to contact the credit bureaus and remove the fraud alert from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My Comenity XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that Comenity is  reporting that I have a balance with Comenity/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called Comenity to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue.

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to Comenity and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.. 

I have never lived at XXXX XXXX XXXX, XXXX, TN. I was living in XXXX, MN at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The amount isn't correct my ex didn't paid the amount I try to paid the amount in full they kept saying that my Bank card I was trying to pay my balance off with didn't go thru on 3 different occasions so I couldn't pay the balance off in XX/XX/2018 the balance was {$310.00} at the time now its {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: OH

Complaint narrative:
My XXXX XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that XXXX is reporting that I have a balance with XXXX/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called XXXX to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue. 

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to XXXX and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.

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