vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my daughter deposited money into my bank account through XXXX. My husband had just passed away and we needed to pay for funeral arrangements because my daughter was away at college at the time she couldnt give me cash and the only thing that made sense was for her to deposit the money into my bank account from XXXX. The next day I went to the bank to withdraw the money so that we can pay for the funeral arrangements and the manager at the XXXX XXXX location  immediately flagged my account for fraud because of this I had to apply for a loan just to bury my husband which is outrageous. Fast forward to XX/XX/XXXX I went to the branch at XXXX XXXX XXXX and they told me I needed documentation I brought them documents as to where the money came from and they told me to wait on a letter I never received now were here in XXXX a year later and Im still getting told that I should talk to different people and none of the people are helpful. I feel as if they are discriminating against me because I and XXXX and they feel like if youre XXXX you cant have a certain amount of money. Which is down right insane because both of my daughters XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management had been sending me correspondence for a year to collect a debt. I would call the company when contacted and try to work with the company to resolve the debt. The company was disinterested in resolving the debt each time I called the company. Ultimately, the company proceeded to send a claim to court, despite my ongoing attempts to resolve the debt. I called the company on XX/XX/2021 and the debt was ultimately settled for an amount of {$950.00}. A contract was signed to resolve the matter finally, between both parties. The following Monday and next business day after the claim was settled, Midland Credit Management proceeded to report to all credit bureau agencies false information, regarding an outstanding debt to their company from me, for an amount of approximately {$1500.00}. I proceeded to call the company 's lawyers to understand why this information was reported inaccurately to all credit companies when the matter had been resolved the week before ; additionally, the debt had never been reported to credit bureau agencies, as my records will attest, until the after the claim was settled, the week of XX/XX/2021. Ultimately, I called the lawyers of the company and the company itself to receive clarification for the false representation of the claim for a debt that had been settled, but I have been redirected 3 times to various phone numbers of the company which all led me back to the company 's lawyers once again. The company 's lawyers refuse to answer my phone calls and send me directly to message and I still have obtained no clarification, as to why a claim that has been settled out of court and has been negotiated for a year, is now being reported as outstanding from this week onward, when it was resolved the week before and is thus being falsely represented to credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX and XXXX of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

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 2021-07-14 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: Westlake Services, LLC
State: VA

Complaint narrative:
I had a auto loan thru Westlake financial that resulted in a repossession. They then got a judgement and garnished my paycheck for the remaining balance. After completing the garnishment and informing that is was complete they updated the credit listing to show a remaining balance of XXXX  dollars. I have spent 4 months contacting them trying to get this corrected to XXXX  as it is still reporting as past due. I have not been given a opportunity to pay XXXX  dollars or any way to remove the remaining balance from my credit report. I have disputed the balance multiple times with credit reporting agencys and they keep verifying it as accurate. I just want the balance adjusted to XXXX  and the account has been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
To whom this may concern, My name is XXXX XXXX XXXX I am a XXXX  in the U.S XXXX  currently XXXX  in XXXX. I was message by a Individual stating to be a manager at USAA saying that they work in a department that offers military members grants to help them in their day by day XXXX. I was offered and promised by XXXX XXXX the USAA manager a grant totaling up to XXXX  This was back in XXXX  of this year I have not received this grant to this day. I feel like I've been fallen into a scam by this Individual of this company. I would to know if I can get this grant or some sort of compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Solidus Group LLC.
State: CA

Complaint narrative:
I keep getting contacted by an unknown " debt collector '' or scammer. As best I can tell from internet searches, the FTC has taken action against a parent company that may include these SCAMMERS. XXXX XXXX out of Maryland is the company I believe to be perpetrating this harassment/scam. 

The FTC had an agreement with them out of case # CASE XXXX FTC and People of the State of NY by XXXX T XXXX AG of NY XXXX They call any and every number I have, and or is associated with me or a relative or random stranger, and threaten to " find me '' " take legal action '' etc. The calls get more and more forceful and demanding and finally threaten THAT IF THEY FIND ME, ALL NEGOTIATIONS ARE OFF ( paraphrase ) and THIS IS THE LAST ATTEMPT ... until we call you next month ... and start the process over again, with the EXACT SAME " case number '' I have no debt that is collectable in CA. I had old debt that expired / was written off, since XXXX. 

They call from XXXX the caller ID says XXXX XXXX CA. 
Call back number THIS TIME is XXXX but in the past has been XXXX I have multiple recordings of their threats of LEGAL ACTION and PEOPLE COMING TO FIND ME.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MO

Complaint narrative:
The company wilshire consumer credit gave me a loan but then after late payment two different times they repossessed my car sold it at auction wouldnt let me have my belongings inside car before they sent it off to be sold then got the money for the sale and still charging me for the whole loan and interest Ive requested them to fix this many times but no luck even getting a 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 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX i noticed a collection on my credit that is not mine. I sent many disputes to all 3 credit bureaus disputing the fraudulent account with no success. So in XX/XX/XXXX I sent a certified letter to Convergent Outsourcing with a copy of an FTC Fraud affidavit. I got no response from them. Again in XX/XX/XXXX i sent another certified letter, again no response. This company is violating 15 USC 1681 FCRA. They are reporting an account that they are fully aware is Fraudulent. IF this is not removed my next step is to sue them in Federal court. Certified mailing numbers via USPS are # XXXX XXXX XXXX XXXX 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 2021-07-14 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am buying a house. I am a loyal customer of Honda financial services for many years since XX/XX/XXXX. I have leased XXXX each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that Honda never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked Honda to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have two XXXX  children and I am a XXXX XXXX and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very XXXX  and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
The bureaus inc Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
i am getting unwanted e mail from capital one, and i would like it to stop. i am on ssi, and so my income is federally protected from any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: OH

Complaint narrative:
I have submitted multiple disputes with Equifax. I am unable to access my results and it has been nearly 2 months. Equifax REFUSES to give me information on how they handle disputes. What is their process? I have collections on my credit report that are inaccurate and outdated. I've submitted documentation from one particular creditor advising they requested an account be removed back in 2018 AND IT IS STILL SHOWING ON MY REPORT. Yet is was removed from XXXX  and XXXX. You can never speak to a live rep. If you are lucky enough to get through they don't speak English. If you asked to be transferred to someone who does you are disconnected or told there is no one available. How is this company allowed to have access to consumers financial information?! I have yet to receive any free monitoring due to the breach. This company controls the financial aspects of consumers lives and they can't even manage to explain a dispute process?? They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have opened a Capital One Business Credit Card inXX/XX/2021XXXX because I am running my business from this card, I carry a balance of XXXX on this card. 
Ever since opening this account my credit score dropped from XXXX to XXXX, because Capital one is reporting the business debt on this credit card as a consumer debt and as carrying a balance on a credit card. 
Capotyal one refuses to take off the reporting from my personal credit and just report to the business credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had two credit cards with BoA, They had a XXXX balance and were on autopay and paperless. After a year of non use BoA decided to change my accounts without notifying me to ones with fees. When changing them they changed everything address etc and dropping the auto pay. They finally contact me by snail mail that I was late. I contacted them, we went over the situation. They agreed that they were wrong and said that they would contact the credit agencies to correct the reporting of late payments. I received Letter saying so. both credits cards were treated as the same thing. I closed the accounts and I forgot about it till I recently checked my credit report. I found that they had only corrected one not both of the credit cards. I contacted BoA they said they could see the mistake and would fix it. After several weeks I got a report from the credit agency saying they will not change the late standing. I contact BoA they said higher management had review it they changed their mind and it stands. They wouldn't explain why or discuss it at all. They then chanced what happened.saying it was up to me to go online and find out that they had changed my accounts and they won't review it. After multiple calls to BoA I finally got someone to review my case again.. They finally agree again I was right and they said they would change it. This was made to me by XXXX BoA case # XXXX. ( I have other case # ) waited two weeks and Nothing was done and when confronted, they said they No nothing about it or other case numbers when I confronted them with their own case numbers they refused to even check on them. I asked for my file that would cover these cases and agreements they said NO. this has been going in circle for months I need help. When I get someone who is honest they agree it should be changed but then they have something that reverses it and will not honor what they agreed too

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies

Company response to consumer: Closed with explanation