vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
We opened an account with Simple in 2020. In XXXX we were informed that the account would be closed prior to their merger with BBVA and we would be receiving a check in 7-10 days. When no check arrived, we began calling. Though no one at BBVA denies that we had an account with $ 5000+ in it, they are unable to explain why the check has not come, or to send a new one or return our money to us in any way. We have called more than 5 times and spent easily 6 hours in phone calls working on this issue over the last 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, I took out a no-interest financing loan from Green Sky to purchase new blinds for my condo from 3-day blinds. See attached contract. The special financing would end XX/XX/XXXX. The blinds were installed in XX/XX/XXXX. 

To pay off this loan in a timely manner, I paid XXXX a month. Then, I noticed in my XX/XX/XXXX statement ( see attached statement ) that another charge from XXXX  XXXX  had been added to my account on XX/XX/XXXX for {$2100.00}. I never authorized this charge at all. From an email document from XXXX XXXX  sent to me by a XXXX, there was an account posting to XXXX XXXX XXXX XX/XX/XXXX for {$2100.00}. See attached png photo. I suspect that somehow this got charged to me for some reason. I notified both Green Sky and XXXX XXXX of this account error. All I want is that the {$2100.00} charge placed on my Green sky account be removed Despite the fact that I notified Green Sky and XXXX XXXX  of this mistake it has yet to be corrected. There have been all sorts of strange actions taken on my account, leaving me with a negative balance of - {$1200.00} ( see excel file attached ), which makes no sense to me at all. I still owe money on the account from my last XX/XX/XXXX statement to the tune of {$2200.00}. I called Green Sky on XX/XX/XXXX and spoke with the case manager XXXX XXXX on my account who did not seem to understand what I was saying and was unable to resolve the situation. Hence, I am turning to you for assistance. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America EDD is embezzled my {$6100.00}. Pending by bank approved by EDD also {$1000.00}. Missing doesn't match irs. Supervisor XXXX code number not available.

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 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I was hit by another driver, and my XXXX  XXXX XXXX was deemed totaled. I made a claim and XXXX paid my claim. 

I am still receiving harassing calls, and e-mails stating that I still owe for the vehicle. Hyundai motor finance states that do not see a claim. But yet they accepted a payout Account XXXX XXXX XXXX Current Amount Due : {$1300.00} Payment Due Date : XXXX I also had GAP insurance

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 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I, consumer XXXX XXXX entered into a consumer credit transaction on XX/XX/2015 in which had a finance charge with ALLY FINANCIAL. A finance charge is the sum of all charges pursuant to 15 USC 1605 ( a ) in Truth in Lending. I consumer XXXX XXXX is the original creditor. I am owed double the finance charge in which is $ XXXXAmount financed was on my behalf and shown on the exhibit pursuant to 18 USC 8. I put a down payment of {$4000.00} in which is illegal with a finance charge in any consumer credit transaction. I sold security interest to ALLY FINANCIAL Pursuant to 15 USC 1602 ( g ). According to 15 USC 1635 I, consumer XXXX XXXX had a right of rescission, and disclosures forms were not provided to me during this credit sale by ALLY FINANCIAL. This alleged contract is fraud and null and void. ALLY FINANCIAL is criminally liable pursuant to 15 USC 1611, & has civil liability pursuant 15 USC 1640 for these actions committed against me. ALLY FINANCIAL has threatened to take illegal action that can not be legally taken pursuant to 15 USC 1692e ( 4 ). ALLY FINANCIAL has also violated the Fair Debt Collection Practicing Act. Every month ALLY FINANCIAL states I owe a debt that was already paid and that is illegal according to my consumer rights. This account is fraud and I do not owe a balance. I'm instructing that all prior payment made on this account to be returned by sending a check in the mail according to 15 USC 1692h There is no contract with myself and ALLY FINANCIAL, IT IS FRAUD.

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 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation
State: IL

Complaint narrative:
Will they havent put my money back on my card was being use some one took my information from my card n use it was a XXXX XXXX Card reader

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
On XX/XX/XXXXaround XXXX XXXX  I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XX/XX/XXXXuntil XX/XX/XXXXand I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX  with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX and XXXX XXXX XXXX, NC but have not been able to speak to an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding the negative information on my credit report. It is now XX/XX/2021. I have not gotten any results as of today. Please, I need help. The negative information is holding my life up. I believe my information could have been in the XXXX  and Equifax data breach. I'm trying my best to get the problem fix but the bureau are not responding. This plus Covid has taken a toll on my life, and it is very stressful. I feel as they are taken advantage of me. Can you please delete the negative information. The negative information is not fair nor accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Evergreen Recovery Solutions, LLC
State: GA

Complaint narrative:
I got a copy of my credit report in XXXX, in XXXX I started calling to clear some debt. When I called Enhanced Recovery XXXX on XX/XX/XXXX, the guy told me the debt was no longer with them and I needed to contact XXXX. I looked at my credit report in mid XXXX to confirm the changes but there was no change, that same debt and company is still listed. I filled out a despute the end of XXXX and I received back that the debt is correct and I still owe the amount to them. I called this am to the collector and the female rep confirmed they dont have my account so I cant pay them anything, I need to get in contact with XXXX, they said the account has been removed from them since XX/XX/2018. I just need clarity on why this debt is showing under them but when I reach out to them they say they dont have it.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have checked my credit report and seen unauthorized inquiries. I called transunion and they wouldnt help or remove the unauthorized inquiries.

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
I opened the account of Binance.US to buy cryptocurrency on XXXX and deposited {$5000.00} on same date. When depositing {$5000.00}, there was no issue. However, after depositing the amount, the account status was changed to " pending verification '' which remains almost 4 months. Nothing can go forward under pending status. 

I wanted to withdraw the deposited fund but able to transfer because the account is under pending status. I submitted 6 tickets to resolve this issue but answered at all. 

I want to transfer the amount to checking account and cancel this account. No customer service available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Porania, LLC
State: NJ

Complaint narrative:
i got this accountwhich does not belong to me and i need it to be removed from my credit in the XXXX credit reporting agencies. 
. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT. 
I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TX

Complaint narrative:
Experian investigated my mortgage with XXXX XXXX XXXX XXXX mortgage and rather remove the late payment as the company requested. Experian went back and added old late payments from XXXX to my credit report on yesterday 30 late payments from XXXX, XXXX and XX/XX/XXXX. They also added a 30 day late payment from back back XX/XX/XXXX to my mortgage account that I had no knowledge this goes against my rights under the fair reporting credit act 15 USC 1681g. They have no right to put old data on my credit report as a consumers. Please help each are trying to refinance our home and these 4 late payments added late will kill our chances of refinance.

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 2021-06-05 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: TN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: MA

Complaint narrative:
On XX/XX/2021, I created a XXXXEquifax account to get my credit report and learned Equifax had combined my credit history and personal information with another person 's ( Party B ). I contacted Equifax via its dispute number ( XXXX ) and submitted copies of my driver 's license and SSN to Equifax via its online XXXXEquifax dispute interface. 

I noted to Equifax that XXXX and XXXX  do not have this problem and correctly identify me and Party B as separate entities. Additionally, I informed Equifax I should not be privy to Party B 's information, yet I had full access to Party B 's credit history, closed accounts, current and former addresses, SSN, etc. 

I contacted Equifax 's dispute number on XX/XX/2021 to follow up. The Equifax representative said they were able to view my driver 's license and SSN in the online dispute interface, but also needed Party B 's identifying information, such as photos of their driver 's license and social security card, to prove we are different people. ( Editorial note : This seems absolutely unreasonable under normal circumstances, but I was lucky enough to personally know Party B ). 

On XX/XX/2021, I obtained Party B 's cooperation, as well as copies of Party B 's driver 's license and SSN. These were submitted via the MyEquifax online dispute interface. 

On XX/XX/2021, I contacted Equifax 's dispute line and was informed by the representative that since I was not Party B, the representative could not continue speaking with me. The representative instructed I should submit my driver 's license and SSN to Equifax, either via fax or postal mail. 

I informed the representative that both mine and Party B 's identifying information were already submitted to Equifax via the online MyEquifax dispute interface, and I was looking at it as we spoke. The representative reiterated they could not continue our conversation, as I was not Party B. Call ended with no resolution.

I asked Party B to attempt to resolve the matter. Party B informed me later that day that Equifax told them to wait 5-10 business days ( two weeks ) for the corrections to his personal information and credit history to occur confirmation of the fixes will be received in the mail. 

From XX/XX/2021 onward, I have periodically asked Party B if they have received anything in the mail from Equifax, and they still have not. Similarly, I have not received any correspondence from Equifax. 

As of today XXXX XX/XX/2021 XXXX, I can still access Party B 's credit history and personal information via XXXXEquifax. 

This matter is of utmost importance for me, as I am seeking a mortgage to buy a home, but no financial institution will lend me money if one of the three credit reporting agencies has inaccurate information about me. I have missed and continue to miss homebuying opportunities as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XXXX until XXXX and I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX XXXX XXXX XXXX XXXX, NC but have not been able to speak to an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
An account on my report was closed by the creditor in XXXX. It was charged off that same year. In XXXX it appeared at late payment in XXXX. I asked Experian to investigate and correct it. They updated it to charged off as XX/XX/XXXX causing my score to drop yet again for an account that should be set to age off my report in a year. Now it appears as it is a new account.

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 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kovo
State: NC

Complaint narrative:
I signed up for Kovo, which is marketed to be a credit building service. Its actually a {$240.00} library of resource materials that the customer pays for in installments. The payment history is reported to the credit bureau. 

I do not want to purchase resource materials that I can get for free. This companys advertising is misleading and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: MD

Complaint narrative:
I have been a customer of XXXX for the last 15 years. Also, Since I move to another location the service has become poor. I have a complaint about it for the last two years, but the company couldn't fix the problem. Then, I stopped using the service in XX/XX/XXXX. They bill me the wrong amount which is a total of {$100.00} dollars. I did not agree with them. They send to a collection agency to collect the money. The collection agency called Maury COBB Attorney at Law threatened me to report to a credit bureau. Now, my credit score report is down by 70 points in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation