vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I moved out of my apartment of XXXX XXXX in XXXX FL in 2015. After moving out the manager for the apartment complex attempted to collect {$1000.00} from me. I reviewed the bill and pointed out that my deposit of {$670.00} was never applied. 

It took months to get her to respond to me. When she did, she claimed the balance was accurate and refused to apply the deposit. 

I attempted to call the corporate office and left several messages. I did this for more than a year ; call the apartment complex and corporate office with no results. 

Two years ago I was applying for an apartment and was being refused unless this was fixed. I went and sat outside of their office until the current manager arrived. She was very kind and reviewed my account and noticed the deposit was never applied. She then applied the deposit and wrote me a letter on company letter head to show the correct balance. She claimed she would update her corporate office and XXXX XXXX. 

It was affecting my ability to find quality living, so I needed that document signed by XXXX XXXX. 

She claims to have updated the collections company XXXX XXXX, but two years later the collections company is claiming they can not call XXXX XXXX. I called them back two months later and then they claimed to have never received anything. They refuse to accept the written document I have and are claiming XXXX XXXX is now denying to update the balance. 

I would have paid this off 7 years ago if they had just been honest and applied my deposit. 

XXXX XXXX is a rip off and XXXX XXXX at best.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have mailed a letter to the XXXX collections and to the credit bureaus on a debt for an apartment complex that does not tie back to me. I have asked that they remove the debt from all 3 reporting agencies and the home leasing agencies. The information keeps getting updated with no legal proof that I entered into any agreement with XXXX collection agency. This is a clear violation, Hunter Warfield has failed to provide me with a requested contract that contains my signature, and not just a letter from them saying the debt is owed. That does not meet the burden of proof. Under consumer law all of the above listed companies are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: MI

Complaint narrative:
I am a federally protected consumer and my federally protected rights have been violated by the following companies : Experian, XXXX, and XXXX.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE BANK has closed my account because they said my account was not consistent with their expectations for account usage and violations of the Capital One Customer Agreement, which is an invalid statement because I did not violate the deceptive customer agreement, which is a deceptive form they furnished to begin with. Moreover, when I contacted CAPITAL ONE they said my account was closed because 1. there were return payments, which is false because I did not have ANY recent return payments whatsoever prior to them closing my account. Secondly, they said they closed my account because I made an invalid dispute. By them taking such action, it's implied that they did not allow me to exercise my right as a consumer. It clearly states under in the Equal Credit Opportunity Act that it's unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right. CAPITAL ONE BANK has discriminated against me and closed my account unlawfully. I have been taken advantage of by CAPITAL ONE BANK. They did not have actual, implied, or apparent authority for such use when it came to closing my account and I did not benefit from their actions, which is a violation of the Truth In Lending Act. 


CAPITAL ONE BANK has been found violating several federally protected consumer laws according to the Equal Credit Opportunity Act, as well as, the Truth In Lending Act. Conclusion, in the cardmember agreement CAPITAL ONE BANK states that they may close my account for any reason permitted by LAW! There was no reason permitted by law, which caused my account to be closed unlawfully by CAPITAL ONE BANK, it was due to discrimination. 



Acct last XXXX # : XXXX Acct last XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it

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 2022-01-13 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: Freedom Mortgage Company
State: VA

Complaint narrative:
XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a XXXX XXXX XXXX  That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXXFreedom Mortgager ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to Freedom Mtg Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week Freedom Mortgage denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage 6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- Freedom Mortgage is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT

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 2022-01-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have wrote to XXXX XXXX, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/2020, I had a large bill which I knew I could not pay, so I decided to switch off autopay and pay a smaller amount. I canceled my automatic payment on XX/XX/2020 ( email confirmation attached ). On my due date I attempted to pay online, but it said a payment was already in process for the entire amount. At this point I was a bit out of it, as I was recovering XXXX and figured that I had forgotten to cancel the autopay - though later when looking through my emails, I discovered I actually had done it. 

I called in that day, the day of my due date, and attempted to make a payment. They refused my payment, saying my old one would have to be returned. I called in about a week later and they AGAIN refused payment, saying it still hadn't been returned, despite my bank saying otherwise. Unfortunately, it seems that some sort of bug in your software prevented this payment from actually going through, despite me receiving a confirmation. I unfortunately did not receive notice until late XXXX, when I received a stack of about 10 identical letters, telling me that the payment failed due to " Unable to locate external ''. I immediately remade the payment again including the upcoming required payment, which went through. 

I eventually made a payment on XX/XX/XXXX, when the system finally let me. Unfortunately this was returned for some reason, despite me having money in my account. Over a month later I received a stack of 10 identical letters, all telling me the transaction failed " Unable to locate external ''. At this point I immediately paid Barclays, but it was over 30 days late, and my credit report was affected. 


Despite my assurance that my account was past due and the original payment would be returned, Barclays refused my payment on multiple occasions. The original payment should not have even gone through, as it was canceled. Had I not been so XXXXk I may have been able to thread the needle pay after they finally let me, and then babysit that payment, but unfortunately I was quite XXXX  and having multiple XXXX XXXX XXXX XXXX  and was not able to fully concentrate on this. I had hoped that making a payment would end up being simple, but there were quite a few issues to navigate, which I was not up to at the time. Making a payment should not be this hard. 

Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
An collection item was placed on my credit on XX/XX/21 and my score immediately dropped XXXX points. On or about XX/XX/XXXX, the item was removed from my credit report but my score, according to the app, hasnt moved in the upward direction. I called Experian and they stated my score did increase and to delete the app and reinstall, which hasnt changed anything on my score and was just a tactic to get my off the phone and show as a issue resolved for that representative. 

Credit Bureaus really need more oversight and monitoring by the federal government. They are receiving financial incentives from either the collections industry or creditors to treat the American people and our credit like XXXX.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called a so call XXXX company about a payment that they email me that was going to come out of my account. Asked me to download a app in which turned out to be for him to see what I was doing on my phone. Told me my to go into my bank transfer money but that it was not going to go through. It turned out I was transferring money through XXXX to him. I immediately hung up once he said to go to my XXXX app. He called me Back really XXXX of why I hung up. I immediately called my bank to report but they said it was a valid transaction and that I was not going to get refunded. It turned out the money went to a XXXX XXXX XXXX bank. All this happened on XXXX of 2021.

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 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: TX

Complaint narrative:
I found out inXX/XX/2021, while applying for a school program someone had taken out three student loans in my name without my knowledge. The purported lender is Boeing Employee Credit Union. I immediately contacted them and was told I do not hav3 a loan with them. I asked for a clearance letter or notification In the system that I did not have any delinquent loans so I could pursue my career. They refused to give me one. Thus is NOT my loan. I have enclosed an identity theft package.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: SLM CORPORATION
State: VA

Complaint narrative:
While I was attempting to do a refi on my mortgage, I was told by my mortgage company that i had a default payment on a student loan from XXXX. I have never taken any courses at XXXX. This is the information I received ( Dept of ED- GUARANTEED, Case # XXXX, Authorization # XXXX. ) I have no Idea why this was on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
I have an open account from commenity capital bank that is connected to a contract that was made fraudulently with XXXX XXXX XXXX. I received a copy of the contract after my first dispute and both companies are saying even though Im saying I didnt sign the contract they have my signatures. I found out the signatures are docu signed but I didnt signed for this account. Originally there was two accounts and they both was immediately closed this particular account stayed open because of a balance I wasnt aware of. According to XXXX XXXX the account is reporting 4 payments behind and its a year old even the generated bills account number has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The bank mailed me the debit card! The mailbox was tampered! I never got the debit card! Someone stole it from the mailbox and without my authorization and knowledge used it and took all my money! It is a fraud! Bank of America will not reimburse 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 monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my checking account in XXXX I requested the monies in the account to be sent to Bank of America stated the mail me a check on XX/XX/XXXX I have never received this check I have made several inquiries into this situation to no avail. 
As of XX/XX/XXXX I still do not have this money the total = XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 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: MI

Complaint narrative:
I am a federally protected consumer and my federally protected rights have been violated by the following companies : XXXX, XXXX, and Transunion.

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 2022-01-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a federally protected consumer and my federally protected rights have been violated by the following companies : XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received an email to set up an account for my existing card with the company synchrony bank and it led me into filling out what I thought was registration form, but actually ended up being a second application for an additional credit card. I was approved {$2000.00} and was very confused because I was trying to register. This was misleading and now I have a hard inquiry and an additional card I do not need or plan to use.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
IN ACCURATE INFORMATION ON CREDIT REPORT. DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$43000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00}

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