vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
Eagle accounts agreed to removed a negative on my report. It was removed from XXXX and duplicated on XXXX. This happens every few years dropping my score XXXX-26 points each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: OR

Complaint narrative:
I took out a loan for {$750.00} on XX/XX/XXXX and have paid back {$840.00} as of XX/XX/XXXX. I currently still owe more than what I borrowed to pay the loan in full and am struggling to keep up with the high interest rate on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Social Finance, Inc.
State: TX

Complaint narrative:
SoFi has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Collection Agency : Portfolio Recovery Associates Original Creditors : 1. XXXX 2. XXXX XXXXXXXX 3.  XXXX XXXX ( aka XXXX Bank ) Portfolio Recovery Associates ( PRA ) has purchased ( 3 ) of my time-barred debt accounts, which are listed above. They are being reported to the major credit reporting bureaus as newly opened accounts, which is inaccurate and misleading at best. Additionally, they are being reported with inaccurate amounts and last payment information, for which I have emails to prove from the original creditors. 

Further to my concerns are that I've received threatening phone calls and robocalls. 

My concerns with each are as follows : 1. XXXX ( ending XXXX ) : This account is being reported as being opened in XX/XX/XXXX, and with a collection amount of {$840.00}. However, this account was closed on XX/XX/XXXX, and the last payment was on XX/XX/XXXX, and the balance at the time it was closed was {$480.00}. Where did the extra {$300.00} come from? The original creditor shows a closing balance of {$480.00}. I notice they no longer show the account on their website, but they are still reporting it to the credit reporting bureaus. 

2. XXXX XXXXXXXX XXXX  XXXX ( ending XXXX ) : This account is being reported as being opened recently as well, with a collection amount of {$1700.00} and the last payment in XX/XX/XXXX. However, this account was closed on XX/XX/XXXX and the last payment was on XX/XX/XXXX. Again, this was confirmed by my original creditor and I have emails that prove this as well. 

3. XXXX Bank ( ending XXXX ) : This account is being reported as a new original creditor account in the amount of {$1400.00}, but was was sold in XXXX and has been closed for almost ( 7 ) years. 

Lastly and what alarms me the most, there was a time-barred XXXX account ( XXXX ) in the amount of {$1100.00}, that they sued and garnished me for, which I paid in full before I understood and did any research on what time-barred actually meant. I am certain that they employ misleading and deceiving collection tactics, because they have shown me on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My checking account was locked without notice, nor explanation, over a month ago. It has caused all of my normal bill payments to be rejected without reason. I have called the bank multiple times and waited on hold with numerous representatives for many hours over the course of weeks, never to be offered resolution. Nobody has any idea why my account is locked, and the employee in charge of my account is never available in office to speak with me, nor have they ever once called me. I demand access to and transfer of my approximate {$25000.00} in funds in this checking account to myself immediately. This money was deposited into this checking account via ACH from one of my other bank accounts in my name over 4 months ago. There is absolutely no reason these funds should be held for this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TX

Complaint narrative:
XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TX

Complaint narrative:
XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

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 2020-01-05 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:
I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.

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 2020-01-05 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:
I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Did not verify the mod of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Did not verify the mod of verification.

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 2020-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Did not verify the mod of verification.

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 2020-01-05 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: TN

Complaint narrative:
The account being reported by Equifax in question is XXXX XXXX XXXX XXXX in the amount of {$410.00}. On XX/XX/2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( XXXX XXXX  XXXX XXXX ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ). On XXXX-2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated Equifax credit report of XXXX/2019, the payment status for this account reports as charge off with a balance of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Two loans taken out on XX/XX/XXXX unsub XXXX, sub {$5500.00} for fall term XXXX. I withdrawn on XX/XX/XXXX winter quarter XXXX. Funds were not returned to the lender ( Bank of America ). Unsub and sub loan funds were used in creating two Unauthorized unsub ( {$3300.00} ) and sub ( XXXX ) loans on XX/XX/XXXX changing grade level from ( 3 ) to ( 1 ) and listing on all four federal student loan disbursement notice incorrect total loan amounts. All four notices listed {$10000.00} ( 2 ) and {$10000.00} ( 2 ). All four notices do not have loan ID # numbers on my NSLDS. Unauthorized second MPN for direct loans was not signed by me. The XXXX University employees in the financial aid forged my signature by typing my name on an unauthorized MPN for two loans {$1000.00} and {$8500.00}. Grade level, credits earned, and ungraduated status, changed to Graduate student were changed and other loans taken out. Loans were hidden from and listed on general ledger as fall, spring, winter and summer charges. Part-Time student tuition fees added to standard allowances plus loan fees totaling XXXX. Overcharging me tuition/fees {$88000.00}. Police report filed forged signature and fraud. DL loans listed as financial aid funds on student general ledger. Bank of America wont produce loan documents because I never signed a any loan applications

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 2020-01-05 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: TX

Complaint narrative:
XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TX

Complaint narrative:
XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.

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 2020-01-05 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: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
Debt Recovery Solutions agreed to delete an account from my credit report and the account still shows on my credit report, this company agreed to this after a complaint that was filled by me as the consumer. I called their office to ask, why the account isnt being deleted and now theyre telling me that a manager needs to review it. This has been going on for more than 4 months and I know that this process should only take about 30 to 60 days to complete, I want Debt Recovery Solutions to provide me with a letter from their company where they say, that they agreed to delete the account and that they sent request for deletion to all the credit bureaus that the account is being reported to. I need this letter as soon as possible and thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The company involved is Bank of America. I have been a customer for over 20 years. 
I had a Company Credit Card, XXXX, with Bank of America. The company has stopped operating and credit card account had outstanding balance on the account. No one disputing legitimacy of this debt. 

I had a personal Joint Account ( XXXX XXXX XXXX ) checking account with Bank of America. The account was with my wife as a co-signatory. She did not have anything to do with the Company nor Credit Card account in question. 

Bank of America went in and took all of the money from my personal checking account minus {$100.00} to cover corporate debt. After the fact, I got a letter explaining that Bank of America exercised its right and removed money stipulating vague close in the agreement that allows them to do that without any court judgement. 

I have filed a formal complaint with Bank of America and after waiting over a month I received 1-statement-answer to read my agreement. 

Those unfair collection practices have to be stopped as innocent people get penalized because Bank of America has access to their account. And they do that without any warning or due process.

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 2020-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
So, Ive been trying to reach out to this company for awhile now and it seems like they dont want to help me out, I told them numerous of times that this account was open under my name without my permission and Ive been a Victim of Fraud, I told them I tried to disputing this with the credit Bureaus but you guys keep Denying it, I told them Im trying to buy a house and Im not sure why this was open and added on my credit report, this is hurting my credit for something that wasnt mine or applied for this. Customer service keeps telling me they have to transfer me over to a different department to help me and its over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, balance {$980.00}, not my account closed and removed from XXXX. I need it removed from Experian as well. 

XXXX & XXXX, balance {$6200.00}, account removed from XXXX and fully Closed. I need it removed from Experian 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 non-monetary relief
Consumer complaint received 2020-01-05 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
The account being reported by XXXX in question is TD BANK USA/TARGET CREDIT in the amount of {$410.00}. On XXXX-2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( TD BANK USA/TARGET CREDIT ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ).  On XX/XX/2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated XXXX credit report of XX/XX//2019, the payment status for this account reports as charge off with a balance of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has refused to remove a name that does not belong to me and is not associated with me. On my credit report, a name I have never been known by or associated with, " XXXX XXXX XXXX '' appears. I have requested that it be removed, but my request has not been honoured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage was transferred from XXXX to Shellpoint which is serviced by NewRez. Newrez sent me a statement that my maturity date had been extended from previous XX/XX/XXXX to now XX/XX/XXXX. I question this because I didnt refinance and I have a fixed mortgage hence there should be no changes. If the mortgage company changes. I requested a copy of my amortization schedule from NewRez and they sent me the identical copy that I previously received from XXXX that states XX/XX/XXXX ( which was fine ). 
Yet, Shellpoint/NewRez reduced my mortgage payments and extended the maturity date XX/XX/XXXX ( without my permission ). My taxes increased so I dont see how my payments should be lowered if I didnt refinance? I requested a new amortization schedule and i have not yet received it.

Company response to consumer: Closed with explanation