vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 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: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my  agreement and I would like them to honor their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been consistently paying all my Capital One accounts for 24 months straight and at the beginning of the CoVid 19 pandemic I had financial hardship as most of the world and I still made every payment! 

Capital One consistently denies me an increase on my already strained credit limits and is limiting my purchase power!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a had multiple accounts of money being taken out of my account from a place called hidden listings. I have reported it to chase bank and nothing has been done and now they have taken over XXXX dollars out of my account over the last few months. I have never signed up for this service nor do I know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
On XX/XX/20 I was informed by the lender representative via phone call that I would not receive my closing credit of {$2100.00} fifteen minutes prior to scheduled closing. After that call he called me back and stated that I would instead owe {$1100.00}. I was assured by the lender representative in prior communications to specifically discuss clarity of closing credits that the there would be no more than a $ XXXX {$300.00} variance if any at closing from what was represented on the original closing disclosure. In multiple calls with the representative prior to closing he made it clear that there was nothing that could be done to honor the original closing disclosure I signed on XX/XX/20. The closing disclosures initially provided by the attorney did not reflect documents signed on XX/XX/20. 
The closing attorney did notice an error regarding property taxes that negated the {$1100.00} the representative said I owed but did not reinstate the {$2100.00} credit on the original signed closing disclosure. The closing disclosure was then revised a second time to show that neither party would be credited at closing.

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 2020-09-20 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have follow-up with BMW Financial Service and consumer reporting agencies ( XXXX, XXXX XXXX and XXXX and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. 

This letter is a formal complaint that BMW Financial Service gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX as CREDIT BUREAU reporting agency. 

Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated BMW account : Name of company that reported the late item ( BMW FINANCIAL SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT XXXX PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). 

When BMW FINANCIAL Services as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I have a home equity loan from TCF Bank. I have been unable to pay my bill online for months now. Their website is non-functional, and no longer allows logins. I attempted to call them during working hours, but the wait is at least 90 minutes and I have been unable to get through. 

I finally paid my bill by check, and they sent me a notice warning my that my loan is past due without acknowledging my payment even though the check was cashed. 

I no longer want to do business with this company, but I have no way to contact them to pay off my loan or even to find out my remaining balance. 

I am trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: NY

Complaint narrative:
The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I have requested documentation to verify the debt in XXXX  of XX/XX/2020and of XX/XX/2020in which this company is now in violation. I did a final request in this month of XX/XX/2020   requesting the items below :

1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase. 6. If this debt was purchased a copy of the purchase contract from the original creditor. 7. What did you pay for this account, and how did you calculate the current amount owed? 8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$390.00}. Therefore, due to their lack of compliance of beyond 90days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: CA

Complaint narrative:
West lake financial services..they sent a, letter saying they want to, settle the, account ..i settled the account and, they reportex false info on my credit reports

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 2020-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received a payment to my account and I initiated a instant transfer to my bank account. The transaction was frozen because i was being asked to identify my identity. I upload the documents and then told that my bank froze the transaction. My bank lets me know that they dont have any record of any incoming transfer. In the meantime Im being told that my funds are being held and my account is blocked because I havent given them my Drivers liscence, wich I uploaded when I first was asked to. Next Im told my account is closed and No longer can use their services. Eventually I receive a notification saying my account was credited the money I transferred and the transaction was canceled by the company. In my Account it never shows the balance Amount that was just credited to my account. Eventually I am told that the company sent my money to the sender and since Im no longer allowed to use Venmo I have to find another way Of getting my money back. They not only lied to me by saying my bank froze my account when my bank never even seen the transaction they took my money that was credited to my account and made a transaction to send it back to sender, a transaction that I didnt request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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: CA

Complaint narrative:
I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( XXXX, XXXX XXXX and EXPERIAN and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. 

This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX XXXX CREDIT BUREAU reporting agency. 

Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXXXXXX XXXX ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). 

When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their 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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I  have requested documentation to verify the debt in XXXX of 2020  and of XX/XX/2020 in which this company is now in violation. I did a final request in this month of XXXX 2020 requesting the items below : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase.

6. If this debt was purchased a copy of the purchase contract from the original creditor.

7. What did you pay for this account, and how did you calculate the current amount owed?

8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$300.00}.

Therefore, due to their lack of compliance of beyond 90-days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by Microbilt -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for Microbilt but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had Microbilt run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get Microbilt to remove this inquiry from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
This is not a duplicate complaint. This is a new issue. I thought I was on the way to resolving this and I found out it is still not resolved. 
I finally had to give in and was forced to complete a hardship application which they should have informed me had to be done over two months ago when they sent me an unclear email telling me I was approved for a forbearance. I was expecting a forbearance for the months of XXXX and XXXX when I was struggling after having my salary reduced by 10 % due to the Pandemic. This was promptly reported to them by email. i have proof of it. They told me it was approved so I did not pay for two months. Then I received an email stating that I was in danger of being reported to credit bureaus for not making my payments! I was shocked. I tried to deal with them and reason with them to no avail. In spite of making two payment which should have counted for XXXX and XXXX they are still informing me that I owe {$200.00}. I should owe nothing. Not even late fees if this had been processed correctly. I should owe nothing until XXXX. Where do they get {$200.00}? It doesn't even make sense. I am paying less than {$55.00} per month for a monthly payment. I asked to skip XXXX and XXXX. Period. That is all and i just paid XXXX and XXXX. I am not dropping this. I am not paying off this loan and I warned them that if I find anything negative on my credit report I will stop paying the loan and file for long term hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.

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 2020-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.

Company response to consumer: Closed with explanation