vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ( Original Creditor : ) XXXX Balance : {$48.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial Services violated federal law 15 USC 1605 pertaining to my finance charge. I made {$10000.00} down payment in this consumer credit transaction and that was supposed to be included in the finance charge. The premiums I paid for liability was also supposed to included in the finance charge. These these facts was not disclosed to me in this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I recently filed a complaint via CFPB in regards to TSI ( Transworld Systems Inc. ) furnishing information on my credit report. I researched and it appears the original creditor is XXXX, XXXX  XXXX XXXX. Now, TSI responded and said they received information to VALIDATE my alleged debt, to which they send yet another bill with itemized numbers and information that does not solve the solution. Question, how did you VERFIY ( not validate ) this alleged debt? Because according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that an debt is disputed, the debt collector is SUPPOSED to obtain VERFICATION, not validation of the said debt. YOU ( TSI ) responded with " validation information ''. This alone, is a violation. 

Secondly, how did you get the address that is listed? It seems to me you have infringed upon someone's privacy ( identity theft ), aka personal data to retrieve such information. Hopefully, YOU ( TSI ) didn't send " validation information '' to a household that is unknown to any party, because that surely increases the chances of identity theft and that would be in violation of 15 usc 1692 ( f ) ( 7 ) ( 8 ). The address that is stated on the " validation information '' pdf belongs to someone who lives in a house ( XXXX search ). See how easy that was to send unwanted strangers to a particular place. I have NEVER OWNED a house in my life. 

On XX/XX/2021, TSI removed this account off of my credit report, then chose to furnish it once again, that reported on XX/XX/2021, causing a derogatory mark to hit my report and also a decrease in points on my credit score. YOUR ( TSI ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX  ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Insight Management Partners, LLC
State: MI

Complaint narrative:
Insight Management, acting on behalf of XXXX XXXX  XXXX  for my XXXX  Visa account contacted me today. I spoke to a man who stated what the debt was for. I explained that when contacted in XX/XX/2021, I requested a letter in writing, outlining the amount owed and what my payment/settlement amount options were. I never received the letter. 

Today, this man stated he was with this company 's legal department pursing this matter and offered me a settlement amount. Again, I requested a letter in writing for the amount owed and settlement offer. I explained my hours were reduced due to COVID, and I did not have access to a printer. I stated I wanted to read over the letter, and he became angry and told me, " No, you need to read it now and set up this payment or else. '' When I said I do not give my banking information or payment info until I can read over something, he again got upset and started talking over me aggressively and loudly. I stated I was at work, and I can not do personal business on company time. I stated that under the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. After I told him this, he stated he would not stop the file from going to legal counsel and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On my 3-Bureau credit report, I have one late payment showing on a Bank of America Card XXXX I have no memory of this late payment. I want this removed from my credit report.

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
COMPANY ( HSBC ) HAS HAD THIS COMPLAINT FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE ABOUT IT. THEY WILL PUT CHARGES ON CLOSED ACCOUNTS AND DO NOTHING ABOUT IT. ONE ACCOUN T XXXX HAS {$240.00} ON IT. THIS ACCOUNT SHOULD NOT HAVE ANY BALANCE. IT HAS BEEN CLOSED. AGAING THEY HAVE HAD THIS ISSUE FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE. ANOTHER ACCOUNT IS XXXX IS A CLOSED ACCOUNT AND HAS {$70.00} ON IT. AGAIN BOTH OF THESE ACCOUNTS SHOULD HAVE A XXXX BALANCE. I HAVE CALLED AND LEFT MESSAGES. THEY HAVE HAD THIS ISSUE FOR CLOSE TO A MONTH. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA HAD BEEN TOLD NOT TO CALL ME REGARDING A DEBT. I HAVE FILE NUMEROUS COMPLAINTS AND THEY REFUSE TO DO ANYTHING ABOUT IT. THEY CALL ME TWICE A DAY ON THE SAME PHONE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NC

Complaint narrative:
I have requested Equifax, update the below accounts due to continuous inaccurate information listed on all. 

They continue to fail to fully investigate and opt to utilize prior data that is not up to date. Their failure to report inaccurate information is adversely impacted my credit score and my ability to obtain a mortgage approval. 

Please assist in getting these credit reporting agencies to report my data accurately. 


1 ) XXXX  XXXX Account # XXXX Balance- {$350.00} Available Credit {$2100.00} 2 ) XXXX XXXX XXXX XXXX-Account # XXXX, Principal Balance due {$14.00}, XXXX 3 ) XXXX XXXX XXXX -Account # XXXX, Balance {$0.00}, Available Credit {$850.00} 4 ) XXXX  XXXX XXXX -Account # XXXX, Balance {$27.00}, Available Credit {$820.00} 5 ) XXXX XXXX-Account # XXXX, Balance {$740.00}, Available Credit {$750.00} 6 ) XXXX  XXXX- Account # XXXX, Balance {$25.00}, Available Credit {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
We have our primary mortgage with HSBC, which is being service by XXXX XXXX. We have a contract to sell our house, and would like to close soon. I first contacted XXXX XXXX on Friday XX/XX/21 to request a payoff letter. I was told that it would take a few days to prepare, because my loan had been subject to a modification last year with the pandemic crisis. I said fine, no problem. But then 12 days elapsed without receiving a payoff letter, so I finally called again on Wednesday ( XX/XX/21 ) to request the document be expedited. 

After three phone calls on Wednesday requesting the document, I finally received a payoff letter from XXXX XXXX  late Wednesday afternoon. Upon reviewing while I was the phone with one of their representatives, I informed XXXX XXXX  that I objected to two amounts listed on the payoff letter : the Recoverable Balance of {$4900.00}, and the Property Inspection Fee of {$130.00}, for a total objection of {$5100.00}. 

I was told that somebody would call me back on Thursday ( XXXXXX/XX/21 ) to discuss, which never happened. I finally called Thursday afternoon hoping to speak with a supervisor at XXXX XXXX, and was told that I have to send an e-mail to XXXX, which I did. Quite frankly, it appears this was a continued effort by XXXX XXXX to run out the clock ( before the closing on the sale of my house ), without addressing my concerns. 

Last XXXX, when I was told our loan modification was approved ( again, due to the covid pandemic ), it was my understanding that all past fees and expenses were to be waived, which would have included the amount of the Recoverable Balance. I never once previously agreed with this charge, but did not press the issue further, since it was supposed to be waived. Please note HSBC has never documented or supported these charges, but thats really irrelevant at this stage, since all the fees and expenses were to be waived last year. 

The Property Inspection Fee first appeared on my HSBC XX/XX/21 statement, for no apparent reason ( since every scheduled monthly payment since my loan modification was activated has been on time ), and despite my repeated efforts to bring this to XXXX XXXX  attention earlier this year, this charge was never removed. 

Given HSBC ( i.e. XXXX XXXX  XXXX will not address or fix this problem, Im now asking the CFPB to help me get this straightened out. The combined charges of {$5100.00} represent a lot of money which I believe are being erroneously assessed and I feel bullied by such a large institution. I need your help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I had a credit card from capital one bank. I had gotten the card in the year I think between ( XXXX or XXXX ) I have been paying them well each month and I did have problems from the beginning I send my payment a long ahead of time my first payment they had gotten it and lied claimed they didn't was holding it and tried to charge me a late charge and already had my payment. Secondly I had started seeing them charging me double for the same bill. And this had been going on since ( XXXX ) I caught it and asked them to return my money that they are charging me double and they denied it and I told them it's illegal and it's ( fraud ) I always had trouble and problems with them sending my monthly statements they always refused me my monthly statements and that tells you then they are not fair and charging people 's double payments. So I finally got paperwork from them but not all my payments statements i been paying A ( XXXX ) credit card fee since ( XXXX or XXXX ) and now it's ( XXXX  ) I caught them defrauding my account charging double I have been paying them ( XXXX a month all this time ). Now in the one statement they sent me they included another person bill threatening me to pay it! Never heard if this person in my whole entire life! Something is wrong with ( capital one bank and their fraud illegal dealings. What on earth is wrong with these people 's needs XXXX XXXX! The answer no! They are just plain to the eyes thieves cheaters and robbery. How can I file an abrivbration against them for false charging and pressing and threatening me to pay a stranger bill with a one statement they sent me since I got the card! Let me tell you this company is a fraud they closed my card because I filed a complaint against them and did not call me or write me about it! And I am still sending them payments. I pay them good every month early and never missed a payment. And they still not sending me my statements for payments. How can I sue them and they needs to be investgated and taken to court fined and be put in prison. This is fraud and very upsetting sending me another human being bills and refuse to send me my bill statements this! Insane and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I AM CALLING FOR A THOROUGH CHECK WITH BANK OF AMERICA AND A TITLE COMPANY NAMED : XXXX XXXX XXXX XXXX XXXX. THERE IS A COVER UP!! 
IN XXXX, MY EX HUSBAND DEFRAUDED BY TAKING A {$150000.00} HOME EQUITY LOAN ON MY HOUSE. AT THE TIME OF THE DISBURSEMENTS, I WAS IN THE HOSPITAL GOING THROUGH PAIN AS I WAS IN A BAD ACCIDENT. THIS ACCIDENT OCCURRED ON XXXX XXXXXXXX  MAN STOLE MY IDENTITY WHICH INCLUDED MY SOCIAL SECURITY NUMBER, MY DATE OF BIRTH AND OTHER PERTINENT INFORMATION ABOUT ME. 
I HAVE THE LOAN AMOUNT IN XXXX, WHICH ACCORDING TO MORTGAGE REGISTRATION SYSTEM, BANK OF AMERICA WAS THE INVESTOR. I MADE A PRIOR REPORT AND BANK OF AMERICA INFORMED ME THAT THEY WERE ABLE TO FIND 2 ACCOUNT NUMBERS ENDING IN XXXX AND XXXX. ONLY ONE ACCOUNT WAS SEEN. WHAT HAPPENED TO THE OTHER ONE? WHAT HAPPENED TO THE {$150000.00} EQUITY DISBURSED IN 2006? 
I AM IMPLORING YOU TO PLEASE ASK BANK OF AMERICA TO RELEASE ALL THE DOCUMENTS PERTAINING TO THESE TWO ACCOUNTS.IF IT WAS ARCHIVED, THEY CAN GO BACK AND GET THEM. 
I HAVE PROOF THAT {$150000.00} WAS ADDED TO MY MORTGAGE AND I WAS NOT THE ONE WHO TOOK IT. 
WHY IS BANK OF AMERICA TRYING TO COVER UP ON THEIR BAD INVESTMENT? 
ALL I AM ASKING FOR IS WHO THE CHECK WAS PAID OUT TO, WHAT BANK IT WAS TRANSFERRED TO IF IT WAS ACH AND WHO TOOK THE MONEY. 

I CONTACTED BANK OF AMERICA TO INQUIRE AS TO HOW THE CHECK WAS DISBURSED THEY CAME UP WITH STORIES. 
PLEASE ASSIST ME. I NEED THIS {$150000.00} OUT OF MY MORTGAGE!!!

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 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Wrongdoers/Debt Collectors, wrong foreclosure and eviction ( who must answer to this complaint ) : see my attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had deposited a check for an insurance claim and didnt know that the wrong check was sent to me, leaving me with a huge negative balance of course I spoke to my bank explaining the check I received was to be sent to the towing company and they got my check. This was going to take some time to clear up but Im was not trying to accrue all the NFS fees and I had my stimulus checks to deposit but wasnt going to if they couldnt get the NFS fees removed. They agreed and everything was great. Until they literally just ripped out {$760.00} out of my account a whole month later screwing up my account and money! They refused to give my money back and I cant understand how they can do that!

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 2021-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

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

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX. XXXX the Defendant, XXXX XXXX XXXX had a XXXX  meeting with Discover Card Services the Plaintiff in XXXX. District Court before Judge XXXX regarding the illegal filing of a Judgement Lien. State of Michigan XXXX case XXXX was incorrectly heard as a Garnishment Case instead of a Judgement. Plaintiff 's attorneys did file a Judgement Lien with the register of deeds in XXXX XXXX County on XX/XX/XXXX. 
The owners of the property the lien was filed on is owned by XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife by the entireties and in Michigan that prevents a creditor from attaching property owned jointly when their claim is against only one of the parties. Now, Plaintiff should know this as they did it in XXXX and were later chastised for failure to release the lien, which was and illegal use of the law. ACT 236 of 1961 Section 600.2813 allows penalties of {$300.00} for failure to discharge the illegal lien. The law also allows fines of {$5000.00} and 3 years imprisonment as this is a felony under Michigan Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: CT

Complaint narrative:
Nothing! I had a card with Elan financial but defaulted because of my XXXX treatments. I told them this would happen in advance, they just didnt care. 
So I went to autopay. 
Upon default it went to their collection department where they decided that I owed almost XXXX when I had less than {$1200.00}. I sent a letter and proof of payments indicating that I had {$1200.00} left on the debt maybe slightly more depending on interest, and that I would pay up to {$1400.00} when I am back at work to account for any interest. 
they said they accounted for my payments but I still owe {$3700.00} ( as if I had sent no payments since XXXX ). 
I paid with autopay but had some ( not all ) of the confirmation numbers.. for ever payment up to XX/XX/XXXX when I was unable to work due to my XXXX treatments. 
I asked them for proof of the extra debt, and have since only sent payment demand letters, and one page of paper with the amount of money {$3700.00} printed on it, oh and until XX/XX/XXXX would call every 3 days to demand money. Recently I received 2 letters saying they will settle the debt for {$1500.00} if I paid in a lump sum, which is still more than what I owe and I cant afford anyway This has to be illegal the way they are treating 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