vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: CT

Complaint narrative:
First Financial Management called me on or around XX/XX/2020 and reported that I owed a debt for an automobile accident that I had no fault in nor was I ever sued for taking part in. I never once received any attempts to collect a debt and was told that if I did not start a payment plan right away my license would be suspended immediately. I made it a point that I wanted written communications about the payment I made for XXXX on XX/XX/2020, as well as, the judgement decree of the charges I owed. Prior to this phone call the company verbally harassed my husband multiple times, who was not aware of any of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have currently been paying my CareCredit/Synchrony Bank credit card ON TIME/autopay for YEARS and then paid an additional {$250.00} last month, with remaining balance of XXXX. Today XX/XX/2020 they lowered my limit to XXXX forcing my credit score to be dropped by XXXX POINTS!!!!! This should be ILLEGAL!!! 
It is so UNFAIR to consumers that have been an excellent customer for years! 
I have been working hard to correct errors on my credit reports and now they have ruined my all my hard work!

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 2020-12-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
XX/XX/2020 Deficiency Notice is Void and unenforceable, please read attached. 
No Notice of Sale on XX/XX/2020 ( 10 days prior to sale ) and voluntary repossession was not commercially reasonable for reasons stated in the attached. Deficiency Notice is void and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX Effective this date we refinanced a long standing mortgage with XXXX through XXXX XXXX. Paid XX/XX/20 mortgage payment to XXXX XXXX  XX/XX/20-Effective this date servicing of loan transferred to Shellpoint. Made mortgage payments from XX/XX/20 through XX/XX/20 to Shellpoint. When Shellpoint transferred the loan to XXXX, they reported that we had not made XX/XX/20 payment. We have bank statements showing withdrawal of mortgage amount each of these months to Shellpoint and have emailed them to customer service representatives and a supervisor at Shellpoint as well as advising them about the error in reporting the mortgage balance to credit agencies. 

XXXXEffective this date loan transferred to XXXX. Payments made to XXXX on XX/XX/20 and XX/XX/20. XXXX has reported to the credit agencies and notified us that we are one month late in payment of loan because they applied XX/XX/20 payment to XX/XX/20 payment. I have emailed statements showing all payments made on time including payment for XX/XX/20 to XXXX escalation manager. After trying to resolve this for a month and seeing a drop in my credit rating, I never got a clear answer from Shellpoint and was told by XXXX that they would try and resolve it in 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a long time Navy Federal customer w/ a credit score over 800. I tried to refinance my car loan from XXXX  to NF. I have no debt with the exception of the car loan, house paid off. I was denied a loan based on my income of {$1400.00}. I combine a savings account and my SS for living expenses. I was recently approved w/ NF for a new mortgage. I have not used the mort. loan and understand if I do I would need to pay off the car, which I can do. I was told I would know instantly, then 2 hrs, then 24 hrs and now 2-3 days. I feel like I am dealing with people who dont care or understand debt to income or get my situation. Pls help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2019, I bought a tank of gas from a gas station in XXXX, XXXX XXXX XXXX with an XX/XX/XXXXXXXX credit card underwritten by Bank of America. I understood the correct charge to be USD XXXX but my credit card was charged USD XXXX, 100 times the correct charge for a tank of gas. I reported the fraudulent charge to Bank of America. They delayed processing my fraud claim, switching the claim to a billing dispute months after I had reported the fraud, and then proceeded to rescind the charge and reapply the charge multiple times. I have spent hours on the phone and spoken to 11+ fraud and billing dispute representatives to no avail. I have refused to pay this fraudulent charge and so of course my credit score has been decimated, going from excellent to poor. I need assistance.

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 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the XXXX I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, XXXX XXXX  charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.

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 2020-12-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 funds were taken out of my checking account and transferred to an individual that I do not know. As soon as I became aware of the activity I called Bank of America and asked to open a claim with the fraud department. I kept on contacting them to check status and they advised me that it can take up to 45 days for review and at 10 days I will be getting a credit of the {$3500.00} that was taken without my authorization. On day 10 I contacted Bank of America fraud department and was told the claim was closed due to insufficient information. At that point they stated they needed a police report. I obtained a police report and submitted to them. They have denied all claims reconsiderations. It has been so many days and no funds have been returned, it has been really stressful.

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 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I was alerted today that I have an account with Consumer Adjustment Co. that is supposedly owed. I have never heard of this company in my life. Secondly, this company has never contacted me. They just parked an account without even given me the opportunity to dispute this debt. i have not received any correspondence from this firm at all. Usually by law you are given 30 days to dispute or challenge any debt you are owed. I was not afforded that by law. 

Please cease and desist all collections to include reporting to any credit reporting agencies that you report to. Please provide any documentation where I have contracted or signed any agreement to do business with your firm. 

Provide me with those documents where you claim I owe you any monies including a copy of documents which prove that you purchased or assumed any debt owed by me. 

In addition, I am formally requesting the documents where it shows you are license to collect debt in the state of texas and that license number. 

To place a debt with any notification is a violation of the Fair Credit Act and I am requesting that you both verify and validate such claim you have against me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2020 Consumer Financial Protection Bureau XXXX. XXXX  XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Wells Fargo Student Loan # XXXX XXXX Account # Dear CFPB, I refinanced my Wells Fargo Student Loan with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. My first pay to XXXX was scheduled for XX/XX/2020, proving that I was approved for a loan refinancing through them. XXXX was supposed to payoff Wells Fargo by XX/XX/2020. 

On XX/XX/XXXX, my parents co-signers on the Wells Fargo loan received a notice from Wells Fargo that I am in arrears on the loan. I immediately inquired with XXXX via phone and they said that they had a batch of checks that did not go through and had to be resubmitted. XXXX had not contacted me and told me of this delay. Previously they had told me my Wells Fargo loans had been paid. XXXX emailed me confirming the loans were paid off. My accounts with XXXX show that everything has been paid and disbursed to Wells Fargo. 

Only today did I receive notice from Wells Fargo that they still have not received a payoff from XXXX and that I am 60 days in arears on the loan. This is now affecting my credit score. 

I want an immediate investigation into both Wells Fargo and XXXX. I can not tell who is not being truthful. But one of them is withholding my payoff while I am paying money to XXXX for my loan. The Reference Numbers to my conversations today asking Wells Fargo to remove the late payment a request which they have denied are XXXX and XXXX. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX 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 2020-12-18 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:
Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX. There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my Transunion and XXXX credit reports and Late 120 days on XXXX. When I looked at the payment history while XXXX was reporting the account as a collection/chargeoff, XXXX was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of Transunion was changed from a collection/chargeoff to late 120 days and the payment history for XXXX was changed to OK at the same time that XXXX was reporting as a collection/chargeoff. As I continued to monitor my credit reports, XXXX changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.

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 2020-12-18 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:
I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my XXXX  XXXX XXXX credit reports and Late 120 days on Equifax. When I looked at the payment history while XXXX was reporting the account as a collection/chargeoff, Equifax was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of XXXX  was changed from a collection/chargeoff to late 120 days and the payment history for Equifax was changed to OK at the same time that XXXX  was reporting as a collection/chargeoff. As I continued to monitor my credit reports, XXXX  changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.

Company response to consumer: Closed with explanation