vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received an offer for 0 % rate until XXXX 2021. I called to take advantage of this but was denied a lower rate unless I did balance transfer. However, the offer doesn't state balance transfer. I wanted to make a large purchase using this card but at the lower rate offer.

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Got a charge for {$260.00} from a company XXXXXXXXXXXX  I never made this transaction. Another two charges from writing services Called bank of america claims department everyday for three days stayed on the line for five hours nobody picks up. 
They dont have anybody working on this line clearly. 
If you have an EDD prepaid card I highly recommend you pull out all your money do not let this bank hold your money

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX XXXX, XXXX acting as XXXX at the XXXX  XXXX  ( Apartments ) and along with GENESIS Credit Collection are saying a Judge  ruled in favor of a collection bill, and this is false, as the small claims lawsuit  was brought by my self and was for failure to return return deposit. XXXX XXXX, XXXX is saying the Judge ruled that it was fair to send account into collections and this is completely false. On XX/XX/2020 XXXX XXXX, XXXX mailed me : " Good afternoon Mr. XXXX, Please find attached the final judgment received from the court. You will note that defendant XXXX XXXX XXXX is the prevailing party in this matter. The account is now in collections. You may contact Genesis at XXXX to discuss payment for the balance of {$450.00}. '' This judgement  does not give right to XXXX XXXX to send money into collections or to bill me for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: OH

Complaint narrative:
I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account US BK CACS Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but Transunion is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : Transunion shows a high credit limit of {$2200.00}. XXXX shows a high credit limit of {$0.00} and XXXX shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : Transunion and XXXX both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!

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 2020-11-04 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: OH

Complaint narrative:
I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX  XXXX  XXXX  Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. Experian shows a high credit limit of {$0.00} and XXXX  shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX and Experian both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!

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 2020-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/2020, I called the creditor XXXX to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that XXXX never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company SenteyCredit and settled to be paid, which cleared, and I received a born in full statement. Now XXXX is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of 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 2020-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I am a federally protected consumer and Bridgecrest Financial has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

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 2020-11-04 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:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The lender refuses to communicate with me. As a result i am unable efficiently apply for assistance with them.

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 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
CBE Group is attempting to collect a debt that has already been closed and consider satisfied. This debt was collected by XXXX  XXXX  by XXXX XXXX XXXX. XXXX  XXXX  was unable to support the debt with proof. I sent them a letter demanding proof of debt, and they could not provide it and closed the account out and removed it from my credit. So, the creditor sent the debt to a new collection agency and is trying again to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent my first letters over 4 months ago to Equifax, XXXX and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
XX/XX/2020 i was shopping online XXXX bought a XXXX gift voucher XXXX XXXX XXXX  card and XXXX XXXX  XXXX  that was the last i used card .. fee of 5 replacement card and XXXX XXXX  card shows up on purchases soi just dont do anything it happens all the time i have opened an account XXXX XXXX  XXXX XXXX XXXX XXXX va XXXX .. my girl and i are fussing back and forth her name is XXXX XXXX XXXX and she is out with Best friend XXXX XXXX my girl let her use her card i dont know but i know im going thru a situation of fraudulent activities being put on me and i want to clarify that a card recieved on monday ups in my name im looking at it i look at the number in the corner i call it says indiana something .. i still have the card in muy posession ending XXXX when i sign into my account card ending XXXX XXXX something like thatmy charfes i made prior weeks are showing up in all other transactions a re w pending .. something real crazy with that XXXX my emails locked out i was using XXXX my sim card gets locked ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I took out a mortgage with XXXX XXXX on XX/XX/2020. It was immediately sold to Select Portfolio Servicing, Inc. ( SPS ). For the first 4 statements from XX/XX/2020 thru XX/XX/2020 it states no prepayment penalty. All of a sudden on my XXXX statement it says YES. I called on XX/XX/2020 their customer service dept, spoke with supervisor XXXX who said he would have the payoff/cashiering dept/research dept. call me the next day. No all on XX/XX/2020. I called back this morning and he said I should have a call today, but no guarantees. I feel XXXX is just putting me off, and there is no fix insight. I will attach my closing docs and my statements for your review

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing LLC on XX/XX/XXXX paid my escrowed Insurance {$7900.00} to a wrong Insurance company. Check was returned to them. In the meantime I did not know this until I called ( on XX/XX/2020 ) to have my insurance cancelled due to selling my property. Was told my insurance expired due to non-payment. Since then Fay Servicing LLC has mailed another check to the correct Insurance company ( although sold the property ) and it was sent back due to the insurance policy had expired AND property Sold. They then re-issued check payable to me ( XXXX XXXX ) and sent overnight to THE INSURANCE CO! Have been following this up since end of XXXX Keep getting the run around. NOW as of XX/XX/2020, I was told the check went out on Friday XX/XX/2020 OVERNIGHT to me BUT they said Overnight can take a WEEK!!!!! I have been chasing my {$7900.00} for 6 weeks!!!! And not once was it put back into my account! I want my money!!! 
Property SOLD on XX/XX/2020. 
Fay Servicing LLC XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX ( Sold property XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I rented the apartment XXXX XX/XX/XXXX, we move in on XX/XX/XXXX XXXX XXXX, told us the place was perfect for families, my wife is an XXXX  XXXX  so we ask XXXX about black mold and specially cigarettes she told us the complex was non smoking community, the first day the heater didn't work properly and dishwasher broke down, we sent a repair request and they came fast, was good we thought, then dishwasher broke again and again, the door at the laundry felt off, the first shower the bath tube peeled and have a very weird orange color, the neighbor have a lot of males visitor at least 10 men 's everyday all of them smoking and weird looking, cigarret smell was leaking inside, every night the upstairs neighbor use the washer and walk all night long, my wife complained and the manager in a very rude tone said she couldn't handle, my baby girl my wife and I gets a very bad upper XXXX XXXX  cause one day we came back and some kind chemical smell was inside the apartment, they said was carpet cleaner now we know was poison for XXXX  XXXX, my daughter have some kind of bites and have a very XXXX reaction, my wife clean all te apartment and found out XXXX  XXXX  were coming from the neighbor apartment we made pictures, now this people have a collection company trying to get almost XXXX $ after we have to abandon the apartment because my wife couldn't stand in that nasty place, we left our belongs because the manager said we brought the XXXX  XXXX with us, tried to make us pay the exterminator and we suppose to wait for 15 days for them to come and kill the XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
I've filed a dispute in regards to the incorrect items on my credit report to XXXX it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: MS

Complaint narrative:
The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2020-11-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent my first letters over 4 months ago to XXXX, XXXX  and TransUnion. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.

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