vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/XXXX we had our vehicle and it's contents stolen. This included a shared account card. I had just put my rent money in the account, and then {$350.00} was spent at a smoke shop and gas station we have never been to. It had taken a few days to realize which cards were in the wallet, as this shared card was nearly never used. Therefore the card was not canceled until a few days later, and the charges were made. Getting a vehicle stolen as well as other important documents was a hassle that scattered our attentions, and the card should have been deactivated sooner, and that is a mistake we will admit to. That is the only mistake we made except for choosing this bank. Simple, our BBVA banking company claimed that since I had just put in money, I had logged into my account, and that the funds stopped at " XXXX '' were reasons not to believe me, so my dispute was denied. I replied with the fact that I put the same amount of money in my account at relatively the same times each month for rent. We were also trying to dispute the charges, hense being logged in, and could not dispute them until they were done pending. Additionally, our account was actually - {$5.00}, not at XXXX. Therefore there claims are all incompetent. We have supplied the police report, the evidence of other banks ( doing their job ) and refunding us our money/canceling cards. We have gone to the trouble of pointing out all of the reoccurring payments, and we have talked to multiple people. There is no correspondence with the merchants because, well, that is the banks job and not mine, so we did not think to reach out to a smoke shop who probably would not have done anything for us anyway. I am a XXXX student full time with a part time job, {$350.00} is a lot of money to me, especially in a global pandemic. We are not thieves, this bank is the thief. We have correspondence with Simple on XX/XX/XXXX, XX/XX/XXXX XXXX and sent the last evidence on XX/XX/XXXX, only to receive a second denial today. We made the first dispute on XX/XX/XXXX, and first received a denied dispute notice on XX/XX/XXXX, and then reinstated the dispute the same day. The " important documents '' on the police report include a wallet. Here in NM the police are spread thin, and of course wrote down a vague detailed assessment of what was stolen. This does not allow enough security, and we are set back yet again. Another police report can not be made if there is an error in detail. We can provide the case number and Detective name phone number who can confirm that a wallet was stolen. It was difficult enough to deal with a stolen vehicle and wallet, and now we have everything else settled except for with this subpar company. I look forward to your assistance in getting justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I wrote Midland Funding /Midland Credit Management on XX/XX/2021 requesting Validation instead they sent a statement in the amount of {$3200.00} which they have not Validated the information requested. This alleged amount is being reported to the credit bureau the debt provided is in fact is erroneous and must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have recently been trying to get an auto loan, but have been getting denied by the creditors because no one is able to see my Equifax credit report/score. Ive contacted Equifax numerous times and I dont have a freeze or fraud alert on my account. I cant setup an account with them to monitor my credit, I keep getting error code : NH. Ive still tried to contact them but still getting the runaround from one person to the next. At this point Im unable to get anything in my name due to this Equifax issue. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX XXXX - XXXX XXXX {$14000.00}

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 2021-04-20 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: CA

Complaint narrative:
I have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}

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 2021-04-20 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 have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed.

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such.

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Been a customer of Bank of America for 20 years and have had this card for about just as long with perfect payment history. This are tough times right now with covid19 impacts and for Bank of America to provide such an awful experience for what seems like mistake in the system, it is just awful. 

Interest was charged on a purchase from the day of transaction. Even though it states " We will not charge interest on purchases on the next statement if you pay the amount by the payment due date ''. I called Bank of America twice and was told purchase had to be paid off before the close of statement cycle since there was 0 % Balance Transfer on account.

To provide additional context there is only one purchase transaction in entire billing period. Purchase date XX/XX/XXXX, statement close date XX/XX/XXXX, payment due date XX/XX/XXXX. Payment was made XX/XX/XXXX to cover the purchase amount and additional payment was made on XX/XX/XXXX to cover more than min payment needed to cover balance transfer. Both payments are made well before XX/XX/XXXX due date. Interest charge in question is {$21.00} that the bank is not able to provide explanation as per the cfpb rules. It is not about the amount anymore but about the principle of it. Tons of bail out dollars from taxpayers and when roles are reversed with Covid-19 and main street needs help, still sucking every fee out of people.

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 2021-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
PHH Mortgage is refusing to speak to heirs of estate that are listed on title. Note holder died in 2013 and PHH has consistently refused to speak to heirs of the estate specifically note holders wife who is listed on title on signed the original mortgage against the property. After multiple phone calls company is still denying the right to speak about the account stating that the heirs are not authorized to speak on behalf of the deceased. We spoke to the attorney who is representing PHH Mortgage in Hawaii suing the estate and attempting to foreclose on the property but that communication has also resulting in no progress of preventing the foreclosure from proceeding against the property. I've ask the PHH representatives to explain what regulation X states and how as heirs of the estate we are not allowed to speak about the mortgage because we are not the deceased who signed the original note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account 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 2021-04-21 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:
There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
AMERICOLLECT INC. at XXXX XXXX  XXXX XXXX, XXXX has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My accounts were closed stating violating terms of service which I was not made aware of. This was a second deposit transaction which the first one was 9 months prior and there was not a problem. I received my 2nd assistance thru the SBA for my self employment. My accounts checking, savings, and a credit account closed with close to 15 thousand combined with no warning. I was asked to provide all identifying documents and details of my business and SBA loan documents. My account was closed and my money being withheld. I call numerous times and now Chime has block my number without providing any information to what terms were violated. I asked to have call escalated and was ignored and mistreated feeling discriminated against. I have not been able to live without borrowing money and maxing out my credit card. Account was suspended on XXXX and closed on XXXX. I was refused when asked to speak with investigations in regards to releasing my legitimate funds which were from employment, IRS, and XXXX loans. My savings alone was over 10 thousand. I can not provide actual amounts due to being ignored and blocked out of chime system. I feel totally displaced and robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX XXXX - XXXX XXXX {$14000.00}

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 2021-04-21 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 have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX  XXXX - XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
This complaint involves a medical bill listed as a collections account on my credit report for which I had insurance coverage, both primary and secondary insurance companies. It is for services rendered on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, CA, from the provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bill is now with a debt collection agency, Grant & Weber, at XXXX XXXX XXXX XXXX, XXXXt XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX listed on my credit report with an account number XXXX, and a file opened XX/XX/XXXX. The agency is attempting to collect payment for this medical bill that neither the provider or agency will collect from the insurance carriers. The provider claims they never submitted it to XXXX and are unable to do so now. The agency claims I owe this debt and they continue to increase the amount. The provider claims it has no details on the original amount, but it appears it is far less than what the debt collection agency is submitting to the credit bureaus. The agency lists the amount due as {$4000.00} and lists an " original loan amount '' as {$3000.00}. Moreover, this is not a loan. This is a misrepresentation. Further, I have disputed the amount with the credit bureaus to no avail, as the agency continues to respond back to the bureaus that it is a verified debt after I have made several pleas to the provider and agency to cease reporting it as so as it is a medical bill covered by insurance. My XXXX XXXX XXXX XXXX is primary and XXXX XXXX is secondary. This collection account continues to bring my credit score down causing me a great deal of financial distress.

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 2021-04-21 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank reported negative information to my credit profile under questionable circumstances. 

While I believed I had Autopay set up to cover the monthly payment, there had been some change to my account which disrupted the normal payment process. This resulted in a minimum payment of {$70.00} due XX/XX/XXXX to not satisfied until I discovered the issue and made the full balance payment on XX/XX/XXXX. Over the several months around this time frame I attempted to set up Autopay with Citibank at least 3 times, with what I understood to be confirmation each time. 

The effect on my credit record of Citibank reporting this single late payment of {$70.00} in XX/XX/XXXX results in two negative factors for recent missed payment and bad payment history. This combined negative reporting causes a substantial reduction in my FICO score, which affects my interest rates as I am attempting to obtain a home mortgage. Citibank 's response to a single {$70.00} missed payment, which I earnestly attempted to avoid, and which I rectified in full once I leaned about the problem, is costing me tens of thousands of dollars in mortgage interest costs ( a single point on my $ XXXX XXXX-year mortgage is {$80000.00} ). 

As a Citibank card member since XXXX I have had around {$30000.00} worth of purchases/balance transfers using this card. With the exception of the recent missed payment due to an account change, I have had a flawless payment history with Citibank. 

I respectfully request Citibank to update my credit profile by removing the negative reporting of my account on my credit profile.

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 2021-04-21 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see multiple accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account 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