vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX I was originally leasing the XXXX  from XXXX XXXX, we were coming to the end of the lease and instead of turning in the vehicle we opted to get a loan to fund the purchase. I received the buyout statement ; I read XXXX 's terms and it seemed very straightforward. Bank of America was the lender for the loan. I went to go add BofA as a Lien holder to the title which I received this week. None of the documents showed that any taxes had to be paid in one document that I received from BofA, there's no mention of the taxes. I though that all taxes would have been calculated into the buyout fee and no one ever at Bank of America either mentioned verbally or in advance of the loan, prior to contract execution that I would have to pay the taxes or even given the option to add, if it were needed, the taxes as part of the loan that BofA would extend to me. 

When I went to XXXX  of XXXX California to add BofA as a Lien Holder, I was informed then and only then that I had to pay {$2000.00} in taxes. 

BofA never said when financing the loan that I would have to pay said taxes. It's only in the fine print that I may have to pay a tax, but there was no disclosure made to me what the taxes would be and nor was given the option to have those taxes included as part of the loan. Now I am stuck with paying out of pocket {$2000.00}. This is an unfair and nontransparent practice. Transparency was not afforded to me. And would want XXXX and/or Bank of America to refund me the amount in taxes as fair lending practices were not that. Had I know that I would have had to pay {$2000.00} I would have not gotten the loan or would have negotiated that as part of the loan from BofA

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 monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have called multiple times to close my accounts with TD Bank after having withdrew all funds. They have not closed the accounts and due to the low balance, I am getting maintenance fee charges for the low balance each month. The last time I talked to them, they said they would remove the fees and close the account. I asked them to email me confirming the closure. They didnt email or close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
All of my Alliant Credit Union accounts, a checking, saving, and certificate of deposit, were frozen on XX/XX/2020. Alliant Credit Union froze the accounts after receiving a threatening letter from XXXX XXXX XXXX XXXX, a XXXX XXXX family law firm on XX/XX/2020. Thus far, Alliant Credit Union has refused to remove the freeze and has not responded to my emails asking for the freeze to be lifted. My electricity bill was not paid and I incurred fees as I could not move money to pay my bills because my account was frozen. In the letter to Alliant Credit Union ( which is attached ), the above-mentioned law firm misconstrues the scope of the California Family Law Standard Restraining orders forbidding any transaction from the account, regardless of whether it is for necessities of life like my electricity bill or DMV fees. Alliant Credit Union responded with this reasoning for freezing the accounts to both opposing counsel and me, Under the instructions and threats in your letter, if the credit union allows Ms. XXXX to withdraw any funds, Mr. XXXX will hold the credit union liable for the amount of such withdrawals. The credit union can not know whether a requested withdrawal is in the usual course of business or for the necessities of life. Therefore, we ask that you meet and confer with Ms. XXXX and her counsel, if any, to provide instructions to the credit union that are consistent with the terms of the restraining order. Absent a corrected letter from you, it appears Ms. XXXX should ask the court to assist her in correcting your misrepresentation of the restraining order and providing guidance to the credit union on the amount of withdrawals the credit union should permit. 
I contacted opposing counsel and asked them to unfreeze the account on XX/XX/2020, which they refused to do. 

Alliant Credit Union froze my account because of fear of retaliation from XXXX XXXX XXXX XXXX, not a violation and without an appropriate court order. Alliant Credit Union did not inform me of the freezing of the account and I found out when trying to login to my account on XX/XX/2020 to pay my electricity bill. Alliant Credit Union has forced me to incur legal fees to adjudicate this matter and removed access to money for me to pay for the necessities of life. XXXX XXXX XXXX XXXX also sent this letter to at least two other banks, which thus far have decided NOT to freeze my accounts unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: HOVG, LLC
State: FL

Complaint narrative:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone collections working for XXXX XXXX I moved out 1  month early due to loss  of employment I gave XXXX from XXXX XXXX my forwarding address where I could be contacted I left the house in move in ready condition and forfeited my deposit. XXXX never contacted me over a year later Capstone reporting on my credit for 5k plus. I called XXXX XXXX asked for documentation they can not provide it to me I called Capstone with documentation of charges they can not provide to me. I never received certified mail stating charges that needed to be paid I moved out XX/XX/XXXX lease was up XX/XX/XXXX had been a great tenent for almost 2years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am a XXXX XXXX who cant become a XXXX  assistant I had XXXX  before college and I owe XXXX for a degree I cant use iv tried to resolve this with them by letting them know I cant use the degree and its not from a regionally accredited school but no one has helped I cant buy anything with this debt on my credit please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been dealing with credit card company now for several years, it's still on my credit report and is hurting my credit score and causing many finincial problem. Please help. Target and also XXXX XXXX. It was my dead husband. I have spent days hours etc dealing with this. I don't understand why it's not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

Complaint narrative:
XXXX XXXX  Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well

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 2020-06-13 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: NY

Complaint narrative:
XXXX XXXX Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I applied for a XXXX Credit Card for XXXX XXXX. I came back denied because Transunion had incorrect information on my credit report and XXXX could not validate my identity because of it. I call Transunion and they said they were sorry for the correct information and I went over everything over the phone and they said they now corrected all the information. I got a Hard Inquiry on my credit report because of it. I ask Transunion if I applied for credit for a different XXXX XXXX  XXXX now that everything it fix I should be fine correct? They said yes. On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  XXXX and I got denied for basically the same reason and another hard inquiry on my credit report. I made a claim to the CFPB for the XXXX Credit Card regarding this and my Hard Inquiry and requested that the Hard Inquiry get removed. Transunion just responded on that claim and said sorry for the issue and removed the Hard Inquiry. Since my XXXX XXXX application was the same problem and Transunion assured me everything was correct on my credit report and applying for the new credit will be no problem and I got denied based on Transunion incorrect info. I request that Transunion removes the Hard Inquiry for XXXX XXXX XXXX XXXX  from my credit report.

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 2020-06-13 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company : Portfolio recovery associates LLC Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SACOR FINANCIAL, INC
State: CA

Complaint narrative:
Sacor Financial Inc pulled a hard credit inquiry without my consent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX also pull a hard credit inquiry without my consent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

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 2020-06-13 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: NY

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well

Company response to consumer: Closed with explanation