vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 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: FL

Complaint narrative:
I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.

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 2020-11-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I went to withdraw money at an XXXXXXXX XXXX  atm with my bank of america paycard and I was going to withdraw {$160.00} dollars with the atm charge of {$2.00} it would be a total of XXXX. I received a decline transaction receipt. I thought maybe the atm was having issues so on XX/XX/25 I went to a XXXX atm to withdraw there. I checked my balance to make sure I put the right amount and it tells me I have a XXXX balance. So I went to check my account online and it shows I withdrew the {$160.00}, which in fact I did not. I calls bank of america customer service number XXXX and the ask for my card number to verify my identity then get all the info on my issue, also charging me XXXX because the balance was relayed during that call. Then tell me that they have to transfer me to the claims department, first call I wait 3 hours and finally they answer and I tell him I have been on hold for so long and he hangs right up. I call a 2nd time the next day 2 hours and 54 min wait time and a gentleman answers and I tell him what I am calling about and he says he is placing me on hold and hangs up on me. Third call 3 hours and 20 min hold time and a lady answers gets my card number and verifies my identity and I tell her all about the dispute I want to submit and she tells me that she is processing the claim and hangs up on me. Meanwhile they charge XXXX per customer service call, plus the XXXX cents everytime I call the number where they transfer and this is because the auto system tells me a balance. I am on my fourth call to them now and currently on a 1 hr 45 min wait.

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 2020-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Payments were made from my checking account in XX/XX/2020 and XX/XX/2020. I contacted the company. I sent bank statements to show proof by mail. I spoke with supervisors on the phone. I filed a complaint with the XXXX XXXX XXXX. I disputed with XXXX, XXXX and XXXX providing bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
Acima Credit is committing an intentional tort against me via fraud and deceit. Currently, I am a victim of fraud and identity theft due to the negligence of this creditor. On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX. Acima credit works closely with this company providing credit to consumers. I was offered credit with Acima at the time of purchase contingent upon receipt of the furniture. On XX/XX/XXXX XXXX XXXX  was contracted to deliver the furniture to my residence and did not follow through with the delivery. To no avail, I went back and forth with XXXX XXXX in an attempt to receive the merchandise I paid for. Following a brief period of irresolution, I filed a complaint with my credit union disputing the charge to my bank account. On XX/XX/XXXX, my credit union determined via an internal investigation that my dispute was valid. This was due to a lack of response and no provision of supporting evidence on XXXX XXXXXXXX XXXX  behalf. 

Since the aforementioned incident, Acima credit is intentionally reporting fraudulent information to XXXX, with an intent to harm, for a debt in the amount of {$1600.00}. This debt is invalid and should be discharged as a result of the non-receipt of the merchandise purchased. I contacted Acima credit directly via written letter on XX/XX/XXXX informing them of the discrepancy and the creditor is blatantly refusing to discharge the invalid debt from my credit report. Acima has taken it upon themselves to steal my personal information, which was originally provided to XXXX XXXX 's furniture at the time of purchase, and is intentionally supplying fraudulent information to XXXX with the direct intent to damage my credit. Included in the letter to Acima was exculpatory evidence of the original dispute documents filed to my credit union, and the credit union 's response validating my dispute following their investigation. Upon receipt of this evidence, which would be found admissible in a court of law, the creditor is still refusing to discharge the fraudulent information from my credit report. 

Please find attached with this complaint more exculpatory evidence aligning with the details of my complaint against Acima credit. In the email from Acima offering me credit on the date of purchase, please note that the document clearly states the burden of proof confirming the delivery and receipt of furniture is the responsibility of Acima. This creditor was negligent in their dealings with XXXXXXXX XXXX and did not do their due diligence. They are using my personal/sensitive information to commit a crime against me with no intent to provide resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: FL

Complaint narrative:
I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.

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 2020-11-07 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: FL

Complaint narrative:
I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I requested validation of alleged accounts with SCA Collections Inc. First letter submitted validation request certified mail via USPS on XX/XX/2020. SCA sends a itemized bill via USPS XX/XX/2020. 2nd request validation letter was sent on XX/XX/2020 via certified mailed USPS. No response received.

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 2020-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I don't know why they keep calling me, several times a day and several times a week and weekends. It could be a debt I owe, but I will not answer my phone and give them any information. Now several times a day, every day, they have been calling a friend. I don't know how they got his number but I'm furious about it. Whether or not this is my debt, they have no right to call another person 's number and ask for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The lender settled a 34 state lawsuit for unfair lending practices. 

I've tried several times calling and speaking to representative with the company with no help at all. No answers at all. 

When I got my loan I was under extreme pressure by the car dealer to take the loan from Santander to purchase my vehicle. I was never notified that Santander didn't use my credit score they used an Unknown Internal Score to give me the loan. 

I believe that was unfair because I was never actually given the opportunity to know if other lenders would offer me a better interest rate. I was also told by the dealer that I had already committed to the loan and that I couldn't stop the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2020 vehicle was towed and in process of retaining my truck observed some body damage done by tow truck and brake light stayed on I contacted TD Bank and advised was informed protocol was to wait until transaction has cleared because they couldn't stop transaction even though they still was in control and could have stopped transaction yet not only did they not stop or remedy same they fail to file claim as instructed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: CITIBANK, N.A.
State: KY

Complaint narrative:
After 13 yrs using CITI card on XXXX I was a victim of two fraudulent charges in 2020. As I began disputing charges with XXXX CITI abruptly closed the account w/o my knowledge. Now XXXX  can not process refunds due for {$110.00} balance. CITI reports monthly to credit bureaus that account is past due and is charging fees monthly to a closed 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 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?

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 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?

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 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Respected Sir/Madam, I am currently having mortgage Loan a/c XXXX with PennyMac XXXX. For above said mortgage account I have escrow account set up to make payment towards my Property tax and Insurance. From said escrow account, payment towards Property Tax needs to be made on semiannual basis. For current year 2020, PennyMac did one of those payments after due date and second payment has not been done till date. For the past few months I am following up with PennyMac to make second payment due for this year 2020 to XXXX County IL. In all follow ups I had with the Call Center team, it was acknowledge that tax payment for second half of the year was missed and that it would be processed immediately. I had asked team to provide written acknowledgement stating that I had formally lodged complaint and that it would be followed up. Neither did I receive written acknowledgement of the issue nor the team acted upon on the request to make tax payment to XXXX County IL till date. As a result of delay in payment I am being charged interest of {$92.00}. I request that PennyMac be held responsible to make this additional payment as it has occurred due to lapse on its part. I would request CFPB to intervene and resolve the complaint at the earliest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Bank OF America XXXX XXXX XXXX XXXX XXXX, DE XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with { BANK OF AMERICA } that is being reported on my credit report with inaccurate/ incorrect Balance Info. 

More specifically, I am referencing the fact that you are reporting an inaccurate reporting/ a collection account on my credit report. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: OH

Complaint narrative:
I went shopping for a home, contacted Fairway, to do the mortgage and provide a loan interest rate that I can use as pre-approval. I talked to XXXX ( dont know her last name ) initially, I was given pre-approval of XXXX at 2.65 % rate loan. Once a home I liked was located, and our bid accepted. This is where the Bait-n-Switch takes place by Fairway. The Loan Paperwork is sent to me by email. It states I have to log into their website to fill out the forms required and lock in my rate. The loan initially discussed with XXXX on the phone was XXXX & down and no PMI if possible, if not 20 % down payment. Because of this when I went shopping for homes this is the calculator used to see if I was comfortable with that payment and that much down payment. The Loan Paperwork sent by XXXX XXXX the Loan Officer, was for 33 % down payment and my loan only good for {$150000.00} dollars. 
A little more perspective here, a 10 % down payment was {$22000.00} on a home. A 20 % down payment was {$45000.00} dollars. These two numbers I was using to figure out payment on my XXXX  website, XXXX, and or XXXX. I found and paid {$350.00} dollars to do a home inspection on a home I intended to buy. 
The actual loan paperwork sent by Fairway Loan Officer XXXX XXXX contained a Down payment of now {$75000.00}, a 33 % loan, a rate now at 2.85 % and a loan amount of only {$150000.00} No response from any person at the company at all. I attempted to call the Loan Officer XXXX XXXX on two separate occasions, got voice mail, then a text " I'll call you shortly '' and then never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I got AMEX Gold card XXXX which charges {$250.00} annual fees. I was charged the same fee {$250.00} this year on XX/XX/2020 to renew the card. I was not asked if I want to renew membership as it was automatically renewed, per customer service manager. With COVID, I wanted to cancel the card as I don't want to take any unnecessary credit cards. Today ( XX/XX/2020 ), I chatted with the manager who said I will not get the annual fees back ( prorated ). Had I known that I would be automatically renewed and charged this fee, I would have cancelled much earlier. I need your help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.

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