vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Our Company purchased a truck financed through Bank of America in 2019. I am the personal guarantor on the company loan. The vehicle was supposed to be on auto pay from the time of purchase. On XX/XX/2019 the loan was reported as past due and missing payments. Neither My self personaly or the company controller was notified by B of A of the delinquent payments or that the vehicle was not on auto pay prior to the report being filed. I met with our small business banker XX/XX/XXXX after getting the loan paid current to get the auto pay issue resolved. After the meeting our banker emailed me stating the auto pay was in process and the derogatory remarks were being removed. This email was backed up by a call on a recored line in which our banker stated that the issues resulting in the negative reporting were a bank error and should be removed. As of today XX/XX/XXXX the auto loan is still not set up for auto pay and B of A is refusing to correct the credit report. The emails and calls were corroborated by our small business banker to the escalation department at bank of America.

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 2019-12-02 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: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
DMI XX/XX/2018 Property Foreclosed and Lender won't acknowledge and acts like this is a current bill or debt. Faxed and writing several times. Give definitive status to close now and forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX last four XXXX. I have been dealing with a negative debt that is unknown to me. {$18000.00} XXXX  XXXX  I contacted the furnished, they were not able to furnish any contracts or agreement. I did not acknowledge the debt, in fact I denied it. I went to the police filed a report, the etc said file a affidavit of I'd theft I did that, I also sent license social security card a bill and all they asked for. They still did not delete this. As if they know something I don't, I'm the one that can tell them my symptoms sort of speak. I'm the one hurting, I am extremely disappointed. I would like this to be known for the record. Experian is OBSTRUCTING MY RIGHTS, I FEEL LIKE I'M BEING TREATED UNFAIRLY. They collect data and per the FCRA it has to be 100 % verifiable. They can not show me what proof the furnisher showed them to prove the debt and thats LAW. I'm entitled to see evidence against me that is meaning to hinder me in any way. I am attaching evidence of a letter that was sent to me by experian indicating that they took it off my report and that was a bold face lie. Experian told cfpb also that all they needed was my license and social and they would delete it. Another lie. I will attach letter that indicated that this was over with from. XXXX XXXX senior regulatory affairs associate experian consumer affairs ( XXXX XXXX XXXX XXXX on XX/XX/2019. They did not send me any evidence or any deletion letter or validation. They send the customer something and lie to the bureaus or departments that takes the complaint. Usually people will get tired and give up, that's what they bet on. It's better for them, if people have bad credits. They make more money off of the poor and needy. I will not let up until the truth is done. Justice is done, experian has done everything to violate, they don't show die process like they should, they put stuff in credit report without verification. Please delete the public records, when I contacted the courts, they sent me a letter indicating me that. They do not, I repeat. Do Not! Furnish information on customers to credit bureaus because it's illegal. I WONDER where they are getting their information from. XXXX and XXXX  has deleted this as fraud but although I have all my paperwork experian continues to break the same law they try to enforce. An unjust law is no law at all. I can not get a decent place to stay because of this stigma of a bill on me. File reference 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 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I'm a one year member of USAA Federal Savings Bank, which I was able to join slightly after the closure of XXXX XXXX XXXX XXXX. 

During the time of XX/XX/2019, I was the victim of a phishing attempt from an account user on XXXX.who had used XXXX XXXX to set-up a fake check in the amount of {$1000.00}. 

However, I did not know this was a fake check ... because the scammer had used XXXX XXXX to set-up the check. The only way I knew, was when my checking account had been put on a temporary freeze, because of this. 

Apparently, this resulted in a restriction for 6+ months. As of XX/XX/XXXX,  my account had been in mostly good standing, so they partially removed the account 's restriction regarding my depositing abilities and limitations of how much was acceptable to deposit. 

They have not yet, found a solution to my complaint ... and in partial ways passed it off as fraud. According to the Depositing Agreement, which is somewhat flunky in these sorts of situations, Members are responsible for incoming funds and verification that they are legitimate. 

But, I have an additional complaint. 

During the following month, I had discovered that I was a victim of a scam through a contract which had been breached for music management services. Although these two " recipients '' were completely at fault, USAA had retracted any amounts related the transactions which were in question after disputing with the vendor. 

Within this complaint, I have documentation which shows exactly what happened. USAA prior to the dispute process had asked me to show them PDFs of the police reports verifying my claims. I did so by initiating an IC3 report of CyberCrime of each incident with the Federal Bureau of Investigation of The United States of America. 

Not only was nothing done to punish these criminals, but my reports became non-significant ... as again, I was restricted for over 6 months, trying to restore this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I highly dispute the credit reporting on these accounts being reported by Waypoint on behalf of XXXX XXXX. 

This company is reporting a paid collection account on my three credit bureaus and refuses to acknowledge that they never sent the first dunning notice to me. I have sent them several communications since XXXX of 2019, starting by disputes at the three major credit bureaus and following up with a direct letter to Waypoint sent to them on XX/XX/2019 advising them that they are violating my rights under the FDCPA. 

Specifically- I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. This information was innacurate from the beginning. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX , XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX etc, XXXX   XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
Conns keeps calling my family members and illegally disclosing details of my debt. They also frequently call 10-12 times a day at all hours on the same day the bill is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: GA

Complaint narrative:
I have a student that was serviced by XXXX and I have been paying on it since XX/XX/2019. The loan was consolidated by Fed Loan Service, and they offered a loan forgiving program for Public Service Employees. I  requested an income sensitivity plan as part of the loan forgiveness program. 

The company placed me in a program to forgive my debt within 10 years ; however, I found out that the program is more window dressing than actually serving the best interest of the clients. My pay was sent to {$880.00} dollars per month which over the life of the loan would be {$100000.00} which would have settled all debts. I explained to them that I have other bills that I have to pay as well. I struggled for months until XX/XX/2019, and I finally realized that I could no longer survive this payment amount. On XX/XX/XXXX, I went to pay a bill online and my card was declined because of not enough money in my account. Luckily I was able to borrow some money to help pay that bill as well as my car note and insurance. 

On XX/XX/2019, I contacted the company and asked for my loan to be postponed because I am having issues making ends meet. The service rep suggested that joined the repaye program which should lower my payments. However, I believe it is more window dressing because I will still have to submit a form from my employer to certify that I am still a public service employee. This seems more like windows dressing because the rep stating if my income increases, they would take more money. 

On XX/XX/2019, I emailed the company and provided reasons as to why I could not afford to pay close to {$900.00} per month and total expenses including all loans of {$2900.00} per month. I explain that I have rent, a car loan, and credit card payments due around the same time as their payment. It leaves little to no money left out of my paycheck. 

Also, I asked them to cancel my repaye application until I had an opportunity to plan the best course of action. I may opt to do the 25 years fixed payment plan because it will provide a low fixed payment. I have been thinking about that all day because it might be their mode of operation to force people to chenge to 25-year plan. 

I need to resolve this issue before I go bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: CA

Complaint narrative:
I was made aware of some accounts on my credit report that do not belong to me. The reason why I ever looked over my credit report is that my cousin asked me if I could co-sign for him to buy a car and when they ran my credit I was told that I didn't qualify to be his co-signer because of my " bad credit history ''. None of those accounts that they referred to as negative belong to me ; I did not open any of them and I did not give anyone else permission to open them in my name. I was not part of any payment or purchases that were made using these accounts nor did I benefit from them in any way. I have already filed an FTC identity theft report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I recieved a letter from a lawyer stating that I am in default for my mortgage with BBVA. this was dated XX/XX/2019 it states that I need to pay XXXX before XX/XX/2019. it also states that I need to call the bank and make sure that the numbers were correct before submitting payment. I have since made arrangements to have the necessary funds available and reached out last Friday XX/XX/XXXX to make sure I had the correct amounts. first I went to the branch ( XXXX, Alabama ) and sat with the manager for nearly an hour to try and maker sure I had the right amount. he was unable to get me the number. I then sat on hold for nearly an hour trying to get the information over the phone to no avail. after numerous calls I was told by a bank representative that the information would be emailed before the end of the business day. This Morning XXXX the XXXX I called the lawyers XXXX, XXXX XXXX XXXX, XXXX. and spoke with XXXX XXXX XXXX who assured me I would have the information before the end of the day. I called back at XXXX and left a message but have received no information. I sent a secure message through BBVA 's XXXX application today and received no response. I sent a message via BBva 's XXXX  XXXX  and received a response that they tried to call me and sent an email. neither of those things are true. I now have three days left to resolve this issue or they say they will foreclose on my house. they are with holding this information intentionally so they can take my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had a mortgage with NewRez LLC c/o SHELLPOINT MORTGAGE SERVICING I refinanced my mortgage with another company. The date of the payoff was XX/XX/XXXX, on this date I had an escrow balance of {$700.00} I recieved an escrow refund check dated XX/XX/XXXX for {$480.00} with no explanation of where the missing {$220.00} is I have called multiple times and and spent about 3-4 hours on the phone talking to representatives from new rez and not one of them are giving me any numbers that add up. One representative ( XXXX ) was trying to say that my escrow account was negative for a short time and new rez put out money on my behalf and is now collecting it from my escrow account upon closing. When I called again after speaking with my loan officer who said I should call again and ask to speak with a manager. I called again and talked with XXXX XXXX who told me a completely different story that didnt add up either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
I am writing this letter to inform you about incorrect inquiries listed on my XXXX, XXXX, and XXXX credit reports. I have no knowledge of ever doing business with this creditor. Therefore, I would like for the following inquiries to be removed from my credit reports. The dates are, XXXX/2018 and XXXX/2018.

ONEMAIN: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: 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 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 2019-12-02 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: VA

Complaint narrative:
On XX/XX/19 I contacted by phone XXXX XXXX Business Customer Service to inquire into possible switching to another cell phone plan ( that was less expensive ) and/or switching to a regular XXXX account from a Business Account. After 1hr and 40 min on the phone with both a representative from the business and consumer side of XXXX ( we were on the call together via conference call ) they informed me that switching to a new plan on the regular consumer side would be far less expensive. The representative than patched in a representative from their " transfer department '' that asked for my permission to transfer my account. I specifically asked if they would be doing a hard inquiry to my credit report and added that I did not authorize ( and would not authorize ) a hard inquiry as I know this impacts my credit score negatively. I was reassured that this was for " internal use only '' and they would not do a hard inquiry. Soon after my cell phone went dead and the phone call was disconnected. Within 5 minutes of this phone call ending I got a credit alert from XXXX XXXX ( via email ) telling, e that XXXX XXXX just did a hard inquiry on my credit. This should be illegal! At no time did I verbally authorized this! I'm sure this phone call was recorded and somebody should listen to this call and not only remove this hard inquiry but make sure that company procedures are changed to eliminate this from happening to other consumers. I plan on exercising my rights to the fullest extent of the law ( including obtaining legal counsel if required ) if this is not corrected immediately. If XXXX is claiming they had the legal right to do so I would expect that they provide me with the proof ( that doesn't exist ) that I authorized this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX  XXXX  to check my credit and was surprised to see Transunion still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.

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