vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To start off, I had/have an account with Bank of America . The account was transferred to XXXX XXXX XXXX ( Collectors ). 

In XX/XX/2019 I settled the account with the collector. 
The balance at the time : {$11000.00} The amount we agreed to settle for : {$6200.00} in 24 payments.

1 x {$260.00} 23 x {$250.00} Once I received a settlement letter for this account I called and gave XXXX  my Bank Account and Routing Number for the payments to come out automatically. 

THEY NEVER CHARGED ME OR PROCESSED MY PAYMENTS. Instead, the left me with a wonderful surprise! The account was sent back to Bank of America. I thought I'd get it resolved with them but Bank of America had different plans in mind. They decided it'd be best to sue a client that had made multiple attempts to resolve their account and even set up payments to fulfill a settlement we had agreed on! The lawsuit was first filed on XX/XX/2019. I had an attorney speak on my behalf and I personally tried to resolve this with XXXX, Bank of America, and we even explained what happened very thoroughly to XXXX XXXX XXXX XXXX ( Bank of America 's Attorneys ) and STILL they decided they'd prefer to SUE a XXXX  year old who barely has enough to cover his own living expenses. 

I explained all of this to XXXX XXXX XXXX XXXX ( specifically a rep named : XXXX  @ ext. XXXX at that time, I do not know if he still works there ) multiple times in XXXX, XXXX and XXXX of XXXX. Of course, they don't care, they just want to XXXX me dry of any XXXX that I have. 

NOW, they want to try and Garnish me when I tried working with them? I can't even afford to live with what I'm making part-time! This is absolutely ridiculous and heartless. I'm literally I would understand if I was being irresponsible or not trying to resolve the debt at all but I did what I had to do and XXXX  and Bank of America dropped the ball. They didn't process my payments NOR did they even reach out again about the settlement not being paid.

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 2021-09-09 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: WI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX XXXX XXXX reported that I was delinquent on my account which dropped my credit score tremendously. I contacted XXXX XXXX multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,

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 2021-09-09 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: NY

Complaint narrative:
Company is taking the Stand that benefits them - I have shown my proof and according to Capital One terms and conditions I have the right to Arbitrate .Since there is a disagreement between both parties a neutral party needs to mediate and arbitrate between the dispute, According to the Terms of Capital One I am required to set up Arbitration rather then start a civil action. Capital Once is required under their conditions as well as New York State Banking Condition Rules and Regulations that Arbitration needs to be set up before a Summons and Complaint can be started. 

Capital one is only giving half the information to avoid participating in Arbitration. I have over 4 hours of recording that took place between the merchant and Capital One as well proving my case. 

I am requesting that the CFPB instruct Capital One to reply to the Arbitration request under the rules and guidelines of theXXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am interested in purchasing my XXXX leased vehicle and I feel I am being treated unfairly. 
I leased my XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX for a 36 month term. My Lease Agreement has a purchase option at the end of the lease term in the amount of {$22000.00} and a Purchase Option Fee of {$300.00} as stated in Section 6. Important Terms, of the Lease Agreement Details in Section 15 of the Lease Agreement further outline the terms of the Purchase Option as follows : You have the option to purchase this Vehicle AS IS from the originating dealer, or other location we specify, in case for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}. I understand that there will be other official fees such as Taxes and Registration etc. but on XX/XX/XXXX, my husband and I visited XXXX XXXX to Purchase my Vehicle. We met with the Finance Manager.

He presented us with a Purchase Option price of {$25000.00} not including official fees and taxes ( if applicable ) total buy out including taxes was quoted at {$28000.00}. When we told him that the Purchase Option price did not seem right, he angrily said This is NOT NEGOTIABLE and if you do not like it, you can leave now. We asked for a breakdown of the Purchase Option price. He gave us the following : {$22000.00} Purchase Option price {$300.00} - Buy Out Fee {$490.00} Early Termination Fee {$1900.00} Dealer Fees Plus Taxes When we questioned the Dealer Fees and pointed out that this is no where on the Lease Agreement, he got angry. I asked the finance manager to show us where this fee is located in my Lease Agreement. He referred to Section 6, and Section 15 as referenced above, which does not include a dealer fee of {$1900.00}. His explanation was that everybody has the right to make a profit. This goes on his police books and he has the right to charge whatever he wants. He continued to say that he can break it down however he wants and charge me whatever he wants and if we dont like it to go somewhere else. I continued to question this section and he became irate and asked us to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX XXXX and XXXX by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!

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 2021-09-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the XXXX Mortgage holder was Sun Trust Mortgage. This previous XXXX XXXX  was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st Sun Trust Mortgage that still exists and needs to be removed now when Sun Trust Claim & The legal basis of the claim now is made known via a Sun Trust Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX XXXX XXXX  Loan who assigned the modified loan to Seterus.Com ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by Mr.Cooper.com of Texas who still this new modified XXXX XXXX  holder. 

This current modified XXXX Mortgage is current and always been so. The current monthly payment as specified by Mr.Cooper.com is $ XXXX with {$600.00} for XXXX XXXX  Payment and XXXX XXXXMo for Escrow. 


What Happened? 

Until XXXX, XXXX when Sun Trust Mortgage selected 3rd Party Debt Collector, for more than 10 years, Sun Trust Mortgage never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the Sun Trust Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified Sun XXXX XXXX POC, to determine legimacy and fairness by a specified XXXX for Sun Trust Mortgage. 

Discussed by qualified legal representative for myself & family. Once this SunTrust Mortgage claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the Sun Trust lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of Sun Trust Mortgage that does not specify either the " Sun Trust Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the Sun Trust Mortgage claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such Sunt Trust Mortgage examption claim via conversation with a qualified Sun Trust Mortgage POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX XXXX Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against XXXX, in XXXX, XXXX for assistance in receiving such legal clarification.

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 2021-09-09 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: TX

Complaint narrative:
There was a decrease in my Transunion score and I went to their site and notice several information in which I corrected via dispute. Then I tried to go back and disputed the -55 decreased in score which their system did not allow, so I started a chat chatted with agents ( XXXX ), after chatted with the first one she could not assisted and terminated the chat. So, I saved the chat contents and I started again with agent XXXX and after I submitted my question that one ended the chat, our need to know and accuracy of information they have is/are questionable. This is a ridiculous since I am to finance a condo for me. Please help, 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 2021-09-09 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: MI

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX filed in public record a certificate of sale for the property they continue to report negatively as late/missed payments that public record shows it was sold back to the association two years ago. Date opened XX/XX/XXXX for a balance of {$10000.00} and an original balance of {$20000.00} for a 10 year loan. The status as of XX/XX/XXXX states open with {$9500.00} past due as of XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Mortgage company : Selene Finance loan number XXXX. I suffered severe financial hardship due to COVID 19. I am the care provider to my mother XXXX XXXX that is hospitalized due to XXXX and just had her XXXX XXXX My husband is XXXX XXXX. 

On XX/XX/XXXX I send an application for loan modification ; I call every other day and I am told it has not been received. I fax, email and mail documents and the mortgage company tells me when I call that my documents are not received. On XX/XX/XXXX I resubmitted requested paperwork for my application and I called and was again told not received. On XX/XX/XXXX I was asked to submit attached documents and I called XX/XX/XXXX for an update was told documents not received. Immediately resubmitted documents. I send requested documents to 2 departments given by Mortgage company XXXX and customer XXXX. 

My loan was transfer to Selene Finance and XX/XX/XXXX was paid I also trying to clear this pay net made with them because they are reporting XX/XX/XXXX as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: WA

Complaint narrative:
XX/XX/XXXX, XXXX received a {$1500.00} loan from this East Line Lending during a time where work was slow because of the pandemic. I was told I would not have an early off fee but the interest rate for the early pay off is higher for each day when you go to pay it off. I have paid this company well over {$1500.00} already and they are still trying to get me to pay more. They called my employer and stated they would be doing a garnishment and that I was aware of this. I have not received any court filings or any communication from East Line regarding a garnishment. When I spoke with East Line they told me I received something via email. I have searched my email and there is nothing in my email regarding a garnishment. I have asked for access to my contract and still don't have that. This company is taking advantage of people during the pandemic. I understand paying off my loan and within reasons but {$6000.00} or more for a {$1500.00} loan is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE PHONE NUMBERS DO NOT BELONG TO ME ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX THESE EMPLOYERS ARE NOT MY EMPLOYERS REHABILATION CENTERJUPI THE REHABILITATION CENTER REHABILITATION AT XXXX XXXX  XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in

vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXXC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NC

Complaint narrative:
I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the state of XXXXinancial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.

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