vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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:
My Report contains incorrect, inaccurate, falsified information reported by you. Including geographical collection, payment history, derogatory etc. 
I contacted you to request deletion of this inaccurate data from my Credit History Report, but have refused or failed to comply this is falsified/unapproved inquiries information and reporting and goes against FCRA and CFPB I am not in contract with any of the following or NEVER VERIFIED any information with them below : Creditors/Derogatory Remarks 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX Department 3.XXXX 4. XXXX XXXX Unknown Geographically Information needs to be removed immediately I am verifying I am only XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX All other information is falsified data They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : I am enclosing the following to support my claim that the information you have reported is not correct : These negative mark is damaging to my credit. Please contract XXXX, XXXX  and Trans-Union, immediately to remove this information from my credit file. 
Please confirm to me within 10 days that you have contacted the creditors to correct this information. Or I will be filing suit

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 2021-05-11 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: TX

Complaint narrative:
XXXX used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XX/XX/XXXX, Simple bank announced that they were closing and all checking accounts would transition to their parent company, BBVA on XX/XX/XXXX. In numerous email messages to customers, they indicated that the transition would be smooth and automatic. On XX/XX/XXXX, BBVA provided instructions for Simple customers to activate their log-ins for their new accounts. I followed the prompts and created a username and password. However, due to an error in BBVA 's system, I have not been able to use my credentials to log-in. I received various error messages and was eventually locked out of my account. This happened to many other Simple customers. Attempts to retrieve a lost password or set-up a new account have also been unsuccessful. As a result of the number of affected users, BBVA phone lines have experienced long wait times. After waiting on hold for more than 30 minutes, I spoke with a customer service representative on XX/XX/XXXX. The rep was unable to help me, simply stated that there had been a problem in transitioning the account and advised me to call back later. BBVA has not sent a single email or communication to Simple customers since the initial instructions provided on XX/XX/XXXX. They have communicated no resolution steps or advise to affect customers except to call their help desk ( who were unhelpful ). I have two Simple accounts that I can not access, containing around {$50000.00}. This is money that I was planning to use shortly for a down payment on a condo but now have no access to these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Credit Collection Services is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Credit Collection Services is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
In the state of Virginia, citizens pay property tax on vehicles. In XXXX, I leased a vehicle, Honda XXXX, from Honda XXXX, in XXXX, Virginia. Because I leased the vehicle through Honda, my property tax invoice went to Honda, Honda would pay it and bill me for me to pay it. In XXXX, I moved from XXXX XXXX, to XXXX XXXX. In XXXX, I also bought my vehicle from Honda, so the property tax invoiced was sent to me directly, not Honda. I have been paying my property tax with XXXX XXXX since XXXX. However, in XXXX, XXXX XXXX sent Honda an invoice for me to pay property tax and Honda paid it and billed me {$300.00}. This started in late last year around XXXX XXXX. I explained to Honda finance on the phone that I paid my property tax to XXXX XXXX because thats where I live, not, XXXX XXXX, and showed them the receipt. They said I still should pay the property tax that Honda paid off to close the account of {$300.00}. Indivduals I spoken to with Honda stated they agreed with me, and kept pushing my due date out to resolve thr issue with XXXX XXXX. I haven't heard nothing for 8 months but I'm still receiving notices from Honda that I'm past due and this will impact my credit. Also, this same problem will happen in XXXX if Honda and XXXX XXXX doesn't fix it on their end. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment on my Home Depot credit card on XX/XX/2021, that went to my XX/XX/2021, interest-free promotion. I made an additional payment for {$64.00} and called after it posted to have it allocated specifically to a purchase I made in their store for {$64.00}. After being on hold for over an hour and a half, I got the rudest representative ever, XXXX. XXXX would NOT reallocate the funds as Home Depot has done in many years passed, because the XX/XX/2021 balance still had a balance. To which I explained it's XX/XX/XXXX, and that balance isn't due until XX/XX/2021. This is an extra payment to pay a purchase from accruing interest of 26.99 %. Nope, she wouldn't do it. She wouldn't give me to a supervisor either.

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 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
We closed on the refinance of our home the end of XX/XX/XXXX. We do live in a flood plain and have had flood insurance since we purchased the home in XXXX. Our refinance was done by XXXX XXXX XXXX and was transferred to XXXX XXXX in XXXX and then on to NewRez in XX/XX/XXXX. The flood insurance was figured into the closing, the amount that we had been paying for 8 years, but during the refinance, we had an appraisal and our home appraised out at a higher rate. The end of XXXX we heard from NewRez stating that they had no evidence that we had flood insurance and if we couldnt provide proof, they were going to place lender-placed flood insurance. I immediately sent them the paperwork and approximately 3 weeks later, they sent paperwork back stating that it wasnt enough insurance on the house and we needed to increase the flood insurance. I contacted my insurance agent and she increased the amount and sent out the new paperwork but because they have several addresses she sent it to the wrong one. Therefore, approximately 3 weeks later I received another letter stating they were placing lender-placed flood insurance. So, I called them, explained what happened, sent the the updated paperwork and thought everything was fine. My flood insurance policy has to be renewed every year and the renewal was coming up the end of XX/XX/XXXX. I received a statement from my flood insurance policy stating that my flood insurance had expired. So, I called NewRez and asked them why they didnt pay it and they said they didnt know it was to come out of escrow, even though I have the closing paperwork that proves otherwise. So, they took the money out of escrow and paid it. I thought it was straightened out. Then, about 1 month ago, I received paperwork of an escrow analysis for the coming year and they had the lender-placed flood insurance included in the escrow analysis for the year. So, I called them again and they said they fixed it, and about 3 weeks later I received an updated escrow analysis. But, they are still charging me for lender-placed flood insurance from XX/XX/XXXX through XX/XX/XXXX because the insurance wasnt at the higher rate that we changed it to when it was renewed. I feel that I should not have to pay this since I had flood insurance on the home at this time. I feel that because they have made so many mistakes, I just want to make sure that what they are doing is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I have a simple interest auto loan with Consumer Portfolio Services. On XX/XX/21 they received a payment pf {$11000.00} and the are reporting my loan as delinquent because the payment was from a third part. With the payment of {$11000.00} this should've advanced my next pay 28.4 months.Instead Consumer Portfolio Services are reporting my account as delinquent.I 've been told that because the payment was from a third party it is their policy not to count the payment as being from me, which doesn't matter because the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently received a Citi Advantage Card for traveling. Within the first week, I traveled to Cali, Oklahoma, Texas, and back to Florida, racked up a little over 11k. Paid it off, no problems using my card. Today, I purchased a {$4.00} coffee with the card in Florida, and I get hit with fraud alerts. They block my account. I literally got this card because I travel so much. I call them up, I give them my secret word, my address, my name, my social, my phone number, everything that a normal bank or cc company would ask to verify your identity. Then, she asks if she can send a text to my phone and I said sure. She puts me on hold, and then says, " I'm sorry sir, I can not text that number, do you have a landline or another cellphone number. '' Uhh what? I applied to Citi with my cell, everything I log in to Citi website, I use 2FA which send a text to my phone. Plus, how do you send a text to a landline? I said no, this is my only phone. Then she rudely asks if I have other credit cards, and to provide her with my cc number and bank to verify my identity. Ummm. Why would I do that? Why would I give someone who sounds like a stranger my credit card information from a different bank? How is that secure? What if she writes it down? I just don't get it. Then she said " Well then, I can't help you, but you will receive a letter in the mail within 10 days and you can call back. '' Wait, what? I have to wait 10 days to use my travel card, when I travel everyday? What is the point of this card? and how is this verification process legal? I just don't understand. I have about 15 cc accounts with many different banks such as XXXX, XXXX XXXX, XXXX, XXXX, XXXX, etc. and never had such an uncomfortable customer service experience, felt so unprofessional, and like she was fishing for information that is not in their system. That's not cool. It shows that anybody can spoof my identity through Citi. What if I lost my wallet? obviously there are other cards in there. What if a thief gave their own cell number after the rep said she can't verify with my number ON FILE? Makes absolutely no sense.

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 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have a capital one credit card but it shows like i was late 30 60 and 90 days i spoke with a credit counselor and they told me to contact the credit card company to fix this problem with the credit bureaus but capital one its not doing it so i have to file a complaint to see if you can tell capital one to remove what is showing from 3 years ago that still shows like it happen recently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Outsource Receivables is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company CAPITAL ONE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Protofolio Recovvery Associates LLC keep sending me a debt acct # XXXX I sent them a letter asking them to verify the debt which they have been unable to provide me with what i have ask. They have also refused to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX  XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$720.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I am writing to get assistance with XXXX XXXX. I XXXX with the Delaware XXXX XXXX XXXX XXXX XXXX XXXX Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for XXXX. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from XXXX in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. 50 U.S. Code Chapter 50-Servicemembers Civil Relief declares in the case of a member of the XXXX XXXX, includes service under a call to active service authorized by the President or the Secretary of XXXX for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is 3952. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from Transunion, Equifax, and Experian immediately and permanently. As a XXXX, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.

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 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX was the 1st email to the collection company to pay the medical debt. Last email was XX/XX/XXXX. In-between those dates my wages were garnished for the judgment of {$3800.00}. We never were contacted by phone or mail. 
The amount due on the judgment that was filed was paid in full from garnishing my wages. 
The collection company won't sign a Satisfaction of Judgment. I was garnished {$7800.00} double what I owed on the judgment & the collection company still says I owe over {$1700.00}. 
There is nothing in court filed that I owed any more than {$3800.00}. 
I have 3 years of emails with different reasons & different totals. They garnished more than what the judgment was for. At one point they told me the interested goes back to the medical clinic from where the bill came from. I have an e-mail from the medical clinic on XX/XX/XXXX stating they do not get any interest/principle payments. 
Our medical bill was paid for far beyond what was owed & the collection company still claiming we owe more. One e-mail even said from the collection agency the client would settle for less than what is owed, but yet we still paid double of the medical bill to the collection agency & the collection agency is still trying to collect more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OK

Complaint narrative:
I called chime my online banker and reported that my account has been hacked they ask me to send over identification documents so I did I called the next day and there are no notes that I even called the representative tells me to send over the information again so I did she said it will take 24 to 48 hours to get access to my account. Two days later I havent heard from no one so I called again the representative does not see any notes or no what Im talking about so she has me send over my documents again the email address they have on file is the hackers email they never changed it. So I call again and again and again they tell me the same thing send over identification I did again and still no notes I cant pay my bills my account is suspended and its the third week now and I still cant access my account

Company response to consumer: Closed with explanation