vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After requesting my credit report from Transunion, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from Transunion when login in to my account. It stated that " I previously resolved XXXX disputes with " Transunion '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX XXXX deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXXn ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against Transunion, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to 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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I signed up for a checking account with TD Bank in XX/XX/XXXX, while they had a " Earn {$300.00} '' offer for having {$2500.00} in direct deposits within 60 days. I fulfilled the requirements with two paychecks from my employer over {$3700.00}, but never received the bonus. 

In XX/XX/XXXX, I contacted TD Bank, who responded that " Upon review, our records show that your account did not receive the qualifying amount of direct deposits within 60 days. '' I argued otherwise, and then they claimed that " due to a promotional bonus earned on a prior account ... the account is not eligible for this promotion. '' I did have a prior account with TD Bank, but this was closed many years ago. At the time of signing up for this bonus offer in XX/XX/XXXX, there was no language to indicate that I would be excluded because I had previously earned a bonus. I have screenshots to prove this, and countless identical complaints from other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
My mortgage loan is currently backed by XXXX XXXX owned by XXXX XXXX and serviced by XXXX for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the XXXX XXXX 

To summarize my experience, I have called in to both the Customer Service and XXXX XXXX XXXX scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the XXXX in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the XXXX had finally processed, but then saw that XXXX had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX  are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of God.

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 2021-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My mortgage loan is currently backed by XXXX XXXX owned by XXXX XXXX and serviced by XXXX for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the XXXX XXXX 

To summarize my experience, I have called in to both the Customer Service and Loss XXXX XXXX  scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the XXXX in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the XXXX had finally processed, but then saw that XXXX had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to Equifax XXXX XXXX XXXX XXXX  XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TX

Complaint narrative:
It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to XXXX XXXX XXXX and Experian XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX  XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.

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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MT

Complaint narrative:
After the transition to BBVA from Simple, I've had to call support 8 times, sometimes being an hour and 3 minute wait before it just hangs up the call.

My account had an error right on the day after the transition happened, a scheduled planned transition that I've expected adequate support staff and preparation.

It has been a complete struggle with the app after finally getting in contact just to do something simple as just logging into my new account on BBVA and I really wanted to refuse a fee payment to move money out but was required to pay.

If I would of known of this horrendous customer service in which the only way for a transferring user from Simple to BBVA is a phone call to get hung up on or can't hear you, I would of instantly already started to cancel on Simple awhile they were still online. BBVA has also never offered any updates to anyone via email to inform what to do to do this transition and the false information being mismatched from this supposed transition. 

I had to go online myself into XXXX to see what BBVA is doing, why my routing number was changed when both banks said it wouldn't change at all, and to just get messages about them also acknowledging issues with their support. 

The entire time I'm on hold, the call keeps repeating that this surge of wait time is about PPP loans when I outright know that's not the truth at all. 

BBVA should of been prepared for this transition and made their services not have this many issues for over 5 days and still having people complaining about getting hung up on customer service and really should inform all customers via email at all steps of the way to transferring from Simple to their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached ) on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. 
A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. 

Lately, they have been calling me multiple times, even during weekends ( XXXX 's XXXX ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me one. 
I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have my paypal limited for no apparent reason. They send me an account alert, I already complied and send every information their asking but they still have my account limited. I use paypal regularly for my small business and because of this happening i can not access my money that is badly needed by my family. I saw someone in youtube doing this and have their account restored, I hope to have my too. This is such a burden to me and my family, all our money is being held by paypal, I dont know what to do. My paypal is linked to this email XXXX and paypal name is XXXX XXXX XXXX I hope you can help me resolve this as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed two legitimate disputes ( see attached ) the creditor failed to process, receIved from me full documentary evidence in support of my disputes, repeatedly lied to me about disputes processing and literally delayed timely action as needed for the chargeback. I sent few letters complaining for their failure to dispute two transactions detailed in my letters, however the creditor lacked to respond and spinned me in a runaround. In addition to it, I reached out to the creditor during COVID-19 pandemic, asking for taking my payments and to avoid bad credit reporting in compliance with CARES Act. Creditor did not follow the law, acted very unrpofessional, violated my rights as a consumer.As a borrower/card holder, I establsihed a very good, stable and timely payment history with the creditor for the last few years. Please review the attached records related to my recent communication and attached statements of disputed transactions. I am seeking your kind assistance in bringing this matter to full and satisfactory resolution, since I have troubles in communicating with Capital One corporate office liars. My goal is to keep my account active without delinquences, get all late fees and bad credit reporting reversed/updated and resolution of my two previous disputes filed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Spring Oaks Capital ( SO ) did not disclose the date of last activity, incorrect balance, status incorrect, my file has not been corrected. I am requesting due to this violation I have the right to request deletion, because the law demands deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to Chrysler Capital. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans.

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to XXXX XXXX. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans. 

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
NATIONAL CREDIT ADJUSTERS at XXXX XXXX XXXX XXXX XXXX KS XXXX. Has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: AR

Complaint narrative:
After requesting my credit report from XXXX, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from XXXX when login in to my account. It stated that " I previously resolved 5 disputes with " XXXX '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX  ( deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXX  ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against XXXX, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to 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 non-monetary relief