vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of {$730.00}. Verification according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 )  ( A ) through the PHYSICAL verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I requested. They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America credit 4 direct deposit payments to another account holder and keep telling me there is nothing they can do and it is the payers responsibility. 

Massachusetts XXXX issues 3 payments for the amount of XXXX on XXXX. 

SSI issued a payment for XXXX on XX/XX/19. 

The bank has verified the money ended up in the wrong account and that since the account number and name didn't match the deposits should have been rejected but were not. 

I was told the bank will not take any proactive action. 

I called both payers and they told me it is the banks error for not authenticating the payments properly.

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 2019-08-02 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
To whom it may concern, TSI/940 has charged my account for someones elses bill. XXXX had my infomation on file and a teneat was occupying the property and the bill was in there name at the time I was billed. I never recived any bill because it was not my responsibly. The bill is paid off in full and I called spoke to a rude supervisor who finally resolved the issue and said she update dthe account and it would be deleted off my reporta and transfered to the old tenats responsible. This wa in XX/XX/2018 it still is reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ROSS MORTGAGE CORPORATION
State: MI

Complaint narrative:
I have a VA loan that was originated by Ross Mortgage Corporation in XX/XX/2018 and sold to XXXX. 

I requested a VA funding fee refund XX/XX/XXXX, was granted the request and the refund was processed by the VA. 

The VA confirmed that they sent a funding fee refund check to the originator of my loan, Ross Mortgage to be forwarded to the services of my loan and applied to my mortgage as a principal reduction. 

Ross Mortgage has not forwarded that {$6600.00} check to XXXX to be applied to my mortgage despite having it for nearly two months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA SVG BK has reported wrong infomation on my report. The credit card was opned XX/XX/XXXX and never late a new card was issued due to the loss of the original card. XX/XX/XXXX USAA rported a late paymnet and I called once new card was recived asked why the card was reported late. The mnager advused it would be taken off my report and it still shows 30-59 dys late. We are a military family and USAA assured this issue would be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I opened an account with XXXX for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account inXX/XX/XXXXI was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX XXXX XXXX  banking partner were not able to accept a paper check as a form of payment. I contacted XXXX XXXX   and informed them that check payment method was the only way I could pay due to my debit card being replaced. XXXX XXXX  rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XX/XX/XXXXalthough my payment is current.

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 2019-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my Capital One card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/XXXX/XX/XX/XXXX has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected XXXX. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
XXXX and XXXX are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the  attached credit report. ) I purchased this equipment up front so my contract with XXXX should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a Bank of America Equity Line since XX/XX/2004. I have NEVER been late. I pay in a local branch each month. I was informed that my payment would be increasing. I stated that it is high. I was told that I could apply for a loan modification. I was sent paper work with a 3 month trial at a reduced payment. I paid this payment as instructed but was marked late thereby reducing my credit score. 

I called BOA and was told they could not remove the late. I then called again and spoke to 4 people of whom 3 were supervisors. Each one said that the late could not be removed. 

They referred to the frequently asked questions that accompanied the loan modification trial that states : Your score can be affected. 

No one told me nor did I see in writing that it would be reported late. 

BOA stated it is a risk that it could which leads me to believe not all customers are reported late during this trial period. 

Please note, I did NOT pay it late. I paid the trial period amount as instructed. I have never been late since it was opened in 2004. 

Thank you,

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 2019-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid my capital one credit card balance down to {$0.00} before my due date. I have my XX/XX/XXXX statement proving I paid everything to {$0.00}.

But capital incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) I purchased this equipment up front so my contract with XXXX   should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.

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 2019-08-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, Capital One has dropped our dispute for leather goods returned to seller in XXXX, XXXX. We're charged for {$1100.00} for leather goods we returned to seller, because jackets were poorly made and falling apart. The seller wanted to fix/replace products but at this point in time we lost faith in the quality of the product. The seller started yelling and threatening us with claiming we damaged goods. 

XX/XX/XXXX - Purchased jackets/belts XX/XX/XXXX - After my Wife put on a jacket and noticed it was falling apart and seams were improperly done, we returned ALL items. Seller threw a fit, claiming we may have damaged the jackets. At this point we refused a replacement. I called Capital One and was told to leave all goods on counter. A dispute would be opened and there would be no problem ... I would not be out of {$1100.00}. 
XX/XX/XXXX - Followed up with Capital One with supporting documents. They told me not to worry about anything. 
XX/XX/XXXX - Capital One rebilled us for {$1100.00}. I explained I was told there would be no issue ... and to leave all goods with seller. Capital One was to research the conversations that took place on XXXX, listen to the recordings of my many calls to them. I called them several times during this incident from XXXX. 
XXXX - I was told NO calls could be found ... this is crazy. I find it untruthful. The principle of faulty merchandise on top of the fact a Capital One dispute associate told me there would not be an issue with leaving goods with seller and now I owe {$1100.00}? Unacceptable. On XXXX I was told I owe the full amount. 

We should not owe a thing, obviously. I'm canceling the Capital One credit card and will not do any biz with them. 

Please see what can be done in this situation. This shouldn't happen to us, or anybody else for that matter. The leather bully in XXXX should not be able to do this to people. Capital One should back their customers. Capital One has not stuck up for us. As for the XXXX XXXX XXXX XXXX, they're crooks hiding behind the fact they're in XXXX. I should have recorded the whole event and phone call placed to Capital One. 

Thanks for your help. Please see supporting PDF document

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: MD

Complaint narrative:
I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my XXXX XXXX card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/24 has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected 748. This is ridiculous.

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 2019-08-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, Wells Fargo Bank has reported incorrect infomation on my report. This account has never been late. In XX/XX/2018 Wells Fargo sent me a card I did not apply for and used my infomation with someone else who had the same name. I went up to the Wells Frago branch close to me and showed them the card manager assisted me and apolojized. I filled out a one page form that sttaed I didnt apply for any credit with Wells Fargo. In XX/XX/2018 my credit report shows a late paymnet 30-59 days late. This is incorect.

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 2019-08-02 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: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection in the amount of {$1800.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account is well over ( 7 ) years old and reporting of this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this, however I have not been successful.

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 2019-08-02 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: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX BMW FINANCIAL SERVICES/CREDIT gave me a hard inquiry. I have NO IDEA where this is coming from. ( picture attached below ) I do not own a BMW. I have not applied for a BMW. And to be straight up with you I have been in California since XX/XX/XXXX. So i have zero idea where this is coming from. 

Can you please make sure I do not get penalized for this and also get this hard inquiry taken off my report. 

AGAIN, I have not applied for anything with BMW and they DID NOT have my authorization to pull my credit. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: DC

Complaint narrative:
In XXXX XXXX offerred to let me finance my new insulin pump purchase handled by Monterrey Financial. When looking at the Monterrey Financials ' website today, I did a quick check to make sure that the organization was charging me the correct amount. In order to obtain this information, I logged into the company 's website. The website shows my name and account number, and then has an option to look at the payment history. 

In the screenshot attached, Monterrey shows that as of XX/XX/19 I owed the company {$980.00}. It also details all of the account transactions since that date. Since then, I have made XXXX dollars in principal payments which is XXXX above the account balance. Today I called to inquire about this issue. When I spoke to their customer service, they told me that I still in fact owed an additional {$110.00}. 

As a consumer with a background in monitoring financial transactions, I fail to understand how Monterrey can be allowed to charge me more than the amount explicitly shown on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$1800.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account is well over ( 7 ) years old and reporting of this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this, however I have not been successful.

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 2019-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: PR

Complaint narrative:
My issue is about the time giving me XXXX XXXX XXXX to making the loan Payment was to early to provide making payments in the period stablish. I was continued study my XXXX XXXX on that time, I m Submiting the student Loan on XX/XX/2012 at XXXX XXXX XXXX. 
I am a Graduated from XXXX XXXX XXXX for a XXXX degree XXXX XXXX  XXXX on XXXX XXXX. 
My university completed and send the defertment Disclousure at the time requested by XXXX XXXX office, also maintain comunication by Phone calls. I Feel there was a ilegal management about my account, because XXXX XXXX XXXX sale my account to EOS CCA Collector Agency, without any agreetment or payment option to me. 
My credict History is actually it been Damage by XXXX XXXX XXXX and without the posibility to request financial support to other banks or to receive beneficts an services. 
Customer have the rights to have good credict by the credict fair Law. 
I hope that your investigation finding are positive in response to this issue. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: IL

Complaint narrative:
I, am a XXXX XXXX, this compant is saying that I, have pass due money payments for the yrs XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX on my credit report, they are wrong, I asked the company for a deferment or forbearnece each of the years aove, I should have good credit no missed payments or late payments.

Company response to consumer: Closed with explanation