vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX i noticed a XXXX ACH charge on my checking account I disputed the charge on line and called the Sun Trust customer service line. I inquired regarding the charge and was told it was a over annual over draft charge for a line of credit acct i had with Sun Trust. I have never paid a XXXX fee before and the account had a XXXX balance. I was told by the CSR that the charge would be credited to my account and at that time i told the CSR i dont use the account  to close it. I thought the issue was resolved. On XX/XX/XXXX i was notified by XXXX XXXX that a change was being reported on my credit file. I called Suntrust and disputed the charge and reporting and i contacted all ( 3 ) credit reporting agencies. I called Suntrust  XX/XX/XXXX and got no results and was told sorry for your luck. I visited the local branch and spoke to XXXX XXXX and she called several divisions trying to resolve the issue. I was contacted by Sun Trust today XX/XX/XXXX and was told that they will not make any changes because i disputed the charges that due to fair credit reporting guidelines that the account is being reported correctly. This has impacted my credit rating by 100 points and dropped my score  from XXXX to 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 2020-10-16 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: PA

Complaint narrative:
XXXX  error on report The loan has been paid off

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 2020-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 I tried to login into my online banking account with BMO Harris. During this process I noticed that the HTTP request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called BMO Harris and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.

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 2020-10-16 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: NY

Complaint narrative:
I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, Date:XX/XX/XXXX, XX/XX/XXXXAccount : XXXX Amount : {$0.00}, Equifax Account : XXXX Amount : XXXX XXXX  Account : XXXX Amount XXXX .This account is not mine XXXX XXXX XXXX  Date XXXX XX/XX/XXXX, XXXX   Account:XXXX : Amount XXXX {$1000.00}, Equifax Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: NY

Complaint narrative:
I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, XXXX, XXXX  Account : XXXX Amount : {$0.00}, XXXX   Account : XXXX Amount : XXXX Experian Account : XXXX Amount XXXX .This account is not mine XXXX XXXX  XXXX, Date XXXX XX/XX/XXXX, Experian Account:XXXX  : Amount XXXX {$1000.00}, XXXX  Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit

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 2020-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Toyota Financial Services reported my husband and I, in XXXX of XXXX, to the credit bureaus and ruined our hard-earned credit scores, which were in the 800 range over a balance of {$23.00}. This balance was from a car accident that our daughter was involved in XXXX XX/XX/2018 XXXX, and it was not even her fault. Our XXXX XXXX ( lease ) was deemed a TOTAL LOSS, and our insurance company paid out all debts to Toyota Financial Corporation, or so we thought. We had no idea that there was a remaining balance of {$110.00} on this vehicle, which in reality ended up to be only {$23.00}, after Toyota Corporation received the Abatement Refund of {$92.00} in XXXX of XXXX. 

Never once did anyone from Toyota Corporation call us to ask for this minimal balance. Long story short, in XXXX of XXXX, after receiving a letter from Toyota stating they reported us to the Credit Reporting Agencies, I immediately phoned Toyota Corporation and paid off the remaining small balance of {$23.00}, but the damage had already been done to our Credit Scores. I continued to ask Toyota Corporation for help to redeem back our high credit scores, and spoke with numerous customer reps/supervisors from various departments. All of them told me they had never heard a story like ours. They too were shocked that our credit scores were ruined over a small amount, and it was over a car accident that wasn't even our daughter 's fault. Repeatedly, I was told that there was nothing they can do on their end, and that the only option was to write the TFS Dispute Group. My husband and I wrote a letter to the dispute group at XXXX XXXX XXXX XXXX, MI ( no email or phone available ), and they denied our request to have our debt/report removed from all Credit Bureaus. 

It has been over two years now, and we are asking CFPB to help us ask Toyota Financial Services to remove our negative credit hit/report, so we can redeem our hard-earned credit scores and qualify for better interest rates on loans. My husband and I have worked hard throughout the years to establish our credit scores. We have always and continue to pay our credit cards in full, making sure we never have a late payment. In addition, we have been loyal customers to Toyota Corporation by buying and leasing numerous vehicles throughout the years. We were devastated that this is how Toyota Corporation values loyal, and good paying customers. We look forward to a response, and hope for a good outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
In XXXX I called upgrade to change my payment date from the XXXX of each month to the XXXX. The representative I spoke to offered a Covid 19 forebarance plan where I would pay only the interest. No documents were sent showing the transaction, I was told the principal amount would be tagged to the back of the loan. Understood. Upgrade automatically debits my account, it was to be a three month interest only  process. Yet in XXXX they again withdrew only the interest amount. In XXXX I recieved a notification that my credit score had dropped. When I checked my credit Upgrade had reported me rolling XXXX from XXXX until XXXX, with a current and full XXXX payment which they withdrew as agreed. I immidiately contacted Upgrade and they corrected the three months, but have yet to correct XXXX, stating that I should how contacted them for an additional payment. I asked them to please provide the document where I acknowledged that if they dropped the ball, I would manually log in and make an additional payment. Of course there is no such document. 

We are now in mid XXXX and it has not been rectified.My score dropped 45 points, upgrade markets themselves as credit help. Which in my opinion makes this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had 2 Capital one credit cards. One was a Quicksilver one card and the other was a Capital One platinum secured credit card. I had just paid most of both cards off completely and went to use it only to find out Capital one closed both my accounts on XX/XX/XXXX. I did not close them. They could not give me a concrete reason as to why they closed them.. I tried to find out why they closed them and they told me they closed my account bc my account is not consistent with their expectations for account usage and violations of the Capital one customer agreement. I have no idea what that means, or what the exact reason is. I pay my bill every month and have my accounts in good standing at all times. I don't understand why they did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
My name is XXXX XXXX i have a account with Toyota financial services for about 3 years have not had any issues till I XXXX  my XXXX  due to XXXX called to get assistance such as a extension never had requested this on my loan before tried as much to cover it but for XX/XX/XXXX payment i called Toyota financial to request extension by the end of XXXX XXXX recall exact date requested a one month extension I clearly specified to representative I only needed one extension for XXXX payment. I get a letter stated next payment due XX/XX/XXXX .I never authorized that so today XX/XX/XXXX go online to make my car payment and my next payment says XX/XX/XXXX never authorized this and would like you guys to look on what is this company is doing. I called today and was told by representative my extension could not be reversed after explaining what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TX

Complaint narrative:
I have requested access to my file online multiple times and access has not been given. I am totally blocked from access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We have made multiple large payments towards principal over the last several months. Wells Fargo has erroneously applied two of the payments towards regular payments. When asked to reverse these, only the most recent payments were reversed, resulting in an overpayment of interest by about $ XXXX. When this was brought to their attention ( multiple times resulting in several reversals of payments ) the remaining principal has only INCREASED by close to $ XXXX. Despite nearly 2 months of emails and phone calls and countless lost hours, the issue has not been resolved.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TN

Complaint narrative:
I was laid off an unable to pay. I receive 10 calls per day on each phone number on the account everyday. I have communicated with them and attempted to set a payment plan they offered, {$140.00} a month until the account is paid off. They modify what they are willing to accept as a repayment plan and change the terms. The calls continue and Im told they will only stop if I authorize a payment today, not when I agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/2020, and XXXX  has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 I tried to login into my online banking account with Bank of America. During this process I noticed that the XXXX request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called Bank of America and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.

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 2020-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX Your Notice of Default and Notice of Intent to Foreclosure letter dated XXXX of past due balance of XXXX is invalid. Please see XXXX  XXXX XXXX XXXX dated XXXX confirming that all payments have been made on time and the correction requested by XXXX  XXXX XXXX to Specialized Loan Servicing of {$88.00} to complete the misapplied payment correction to our account. No payments have been missed before or after loan transfer on XX/XX/2019. In addition, our credit report for XX/XX/XXXXreported by XXXX  XXXX XXXX has been reported as current. 

All supporting documents are attached. Please correct the misapplied payments, past due balance, and payments history to all credit bureau agencies. 

Thanks

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 2020-10-16 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX  shows XX/XX/2020, and Transunion has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : 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 2020-10-16 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: NV

Complaint narrative:
XXXX, Transunion, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.

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 2020-10-16 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: NV

Complaint narrative:
XXXX, XXXX, and Experian are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.

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 2020-10-16 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: TX

Complaint narrative:
: XXXX XXXX Dispute this Social Security Number : XXX - XX - XXXX Show Dispute this Date of Birth : XX/XX/XXXX Dispute this ADDRESS INFORMATION Current Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX FM XXXX XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this OTHER IDENTIFICATION No information available on file. 
OTHER NAMES Name : XXXX XXXX XXXX Dispute this Name : XXXX XXXX Dispute this EMPLOYMENT INFORMATION Last Reported Employment : XXXX   XXXX XXXX XXXX Dispute this Previous Employment : XXXX XXXX XXXX Dispute this Previous Employment : XXXX | XXXX Dispute this ALERTS names and address not mine inquires XXXX  XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  - XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I sent a letter to Capio Partners on XX/XX/XXXX requesting debt validation for medical bill for {$320.00} They sent me a letter stating they needed more time and sent documents on XX/XX/XXXX of a bill that was already paid by XXXX XXXX XX/XX/XXXX. I reached out verbally to XXXX XXXX collection department and was advised the debt is still owed. I emailed documents from XXXX XXXX  of the OVERPAYMENT made {$430.00} to the hospital to XXXX XXXX at XXXX XXXX XX/XX/XXXX and she states this balance is still owed. XXXX XXXX provided me with information that the debt was paid. I and wanting to file a complaint regarding collection of debt that was paid in XXXX.

Company response to consumer: Closed with non-monetary relief