vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: CA

Complaint narrative:
I've tried submitting my disputes to the credit bureaus to fix a couple of errors but it seems impossible.

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 2021-02-23 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: NJ

Complaint narrative:
I am submitting as an attachment a full chronological summary of my dispute of charges by XXXX, a XXXX travel agency and consolidator and Visa, CapitalOne my credit card company ( banking/financial institution )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 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: Carvana Group, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
In XX/XX/2020, I recieved a phone call from Hunter Warfield , Inc. regarding a debt owed due to eviction. I requested a letter of debt validation through the collector. The collector told me that they would refer my case to an attorney to file a lawsuit to sue me even during the debt validation process. And that the only way to prevent a lawsuit was to begin paying on the debt. The collector also questioned why I would validate my debt since it was 2 years old at this point. It seemed like the collector was attempting to dissuade me from validating my debt. 
I requested that even though a payment arrangement was set up that they still validate the debt and send me a letter of debt validation. It has been over 90 days since this phone call and I have yet to receive a letter of validation. 
I have concerns regarding the amount as they are charging a 6 % interest on the debt even though I did not agree to pay any interest when signing the apartment lease. Nor did I ever agree with XXXX XXXX that I would pay a 6 % interest to them. Even though I brought up this concern, they said I agreed to it in the lease documents. I reviewed the lease documents and in no where do the documents mention a 6 % interest or even the word " interest ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have written five ( 5 ) letters to Synchrony Bank / XXXX to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / XXXX was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank.

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 2021-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have written five ( 5 ) letters to Bank of America to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Bank of America included several monthly statements, however, I have never received these statements in the past.

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 2021-02-23 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: EQUIFAX, INC.
State: AK

Complaint narrative:
The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRas. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Every day since XX/XX/XXXX, I have been getting calls from debt collectors. I do not have any debt that isn't actively being paid - the only thing I owe on is my car, and I have been making regular payments. I have student debt, but am not required to make payments on it until XXXX of this year. 

Phone numbers I have been called from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more recently XXXX XXXX XXXX XXXX XXXX XXXX I was given an email on the XXXX as well, stating that they had called me repeatedly to settle this unknown debt and would be forced to take legal action if I did not pay. They claimed I had committed check fraud and " theft by deception '', which is untrue. To up the stakes and make me feel even more threatened, they listed my bank account routing number, my social security number, and all manners of other incredibly personal information in this email. Again, that was the FIRST day I had ever heard from them. Since then, I have been getting three to five calls every single day. I changed my number when I was added onto my husband 's XXXX account, and they started harassing me there, too. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: SC

Complaint narrative:
- I paid for delivery of the XXXX XXXX XXXX for 10 continuous Sundays. I paid them {$28.00} on XX/XX/XXXX via credit card, for this service. 
- No paper was ever delivered, I contacted them via e-mail and phone 4 weeks in a row stating no paper was delivered. They kept swearing they would correct. I have copies of email responses on XX/XX/XXXX, and XXXX. No paper was ever delivered. I asked for a refund which was not received. 
- I then started to receive calls several times a week stating I owed them money, I told them it was the opposite they owed me money. They said they would communicate this to management. 
- Now I have received letters from a debt collection company twice stating I owe money to the XXXX XXXX XXXX. I contacting them and sent them written expiation on why I do not owe them money. 
- I have attempted to contact the XXXX XXXX XXXX 3 more times asking if this was a scam and to please remove any debt owed and to credit me my money for non receipt of goods. In my messages I stated if I did not receive a response I would contact legal services and local news. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When requesting a report from Equifax, I consistently receive a hard time regarding verification of MY PERSONAL REPORT. The information they have is NOT accurate and they require me to send and re-send documents only to repeat the same issue. 

Previous complaint still applies : Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to XXXX XXXX, and the complaint department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Joint bank accounts a checking and a saving with an Ex-boyfriend. 
ex boyfriend used a fraud check to deposit to checking and saving with drew funds at ATM and walked in to a walk person teller. 
caused both account to be overdrawn and charged off. 
XXXX - XXXX. 
Report me to XXXX XXXX which I have already filed a claim with them as well help me with this hardship I was not aware and nor am at fault. 
this is a hardship for me alone as a single mother with now bad credit. 
your assistance is greatly appreciated. 
if you need to contact via phone please do XXXX stay healthy & safe.

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 2021-02-23 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On or about XX/XX/XXXX the balance was paid off on this card in excess of {$250.00} at which time Chase reflected a credit of this amount. Once this balance showed a {$0.00} amount I called Chase to close the account on the XXXX, where I was told they also showed a {$250.00} credit due to over payment. I asked how that credit would be returned and when I was satisfied with this conversation we agreed and the account was closed. On XX/XX/XXXX they issued a statement showing a {$49.00} interest charge from XX/XX/XXXX thru XX/XX/XXXX. Today I called to sort this out and there was an additional {$0.00} interest added to the on-line balance for a daily balance. I spoke with a supervisor who quoted me a bunch of policies and lines about interest dates and statement dates but wouldn't acknowledge that this happened after they accepted a full amount pay-off in excess of the quoted balance. They had the correct amount of money to pay this off ( which is what I was told when I closed the account ). It seems they feel they are due this money and continue to charge me interest, which is wrong. I do have copies of statements showing when they charged me interest after being paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hi there my name is XXXX XXXX, I have a Lease through ally Financial Back when Covid 19 hit I gotten a phone call from Ally to see if i would like to extent my lease payments for 180 days. of course at the time i had agreed to this because of the financial hardship I incurred during this time.

6 months gone by I never got one phone call from them I went to make a payment when my hardship was up and was told that my truck was in for repossession that if I did not make a payment at that point I would be without a vehicle. At this point my payment was extremely late and had to make a XXXX payment to get it out of repo status. 
I have several late payments recorded on my account because of their lack of communication and I am very frustrated because I had a juristic decrease in my credit score. I have since made every payment on time but still shows that I am behind on payments and all will not make it right. I would like help on this situation to get my credit back on track because of their issue.

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 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I would like to file a formal complaint with usaa Usaa refinanced my loan I refinanced my loan in XXXX and they forgot 2 out of the 4 parcels and all my taxes except for my school taxes on my main lot thats on the loan. 
Because they forgot my two parcels in the back I think that I am over 100 % when I refinance my house they are not willing to make things right My house payment on my contract for my refinance was supposed to be XXXX as of right now its XXXX they conned me slandered my name told me I did not provide them with all the information but that is incorrect I sent them the only taxes that I had at the time and it was my school tax for both parcels they missed they missed it and blame me the whole six months from XXXX until XXXX that it was my fault and I have to just deal with it if you need any paperwork on my loan I will immediately send it Its not just me but I feel that if they XX/XX/XXXXup my loan this bad there has to be a lot more people that are dealing with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK USA ( Opened XX/XX/2011 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
Payment of {$380.00} is due 9th of every month. My account was current, never been past due. Submitted payment IAO {$400.00} on XXXX to satisfy XXXX payment. I then made the following payments ; XXXX - {$100.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$100.00}, XXXX {$77.00}. Total payments submitted was {$390.00} which would satisfy XXXX payment. In each instance I did NOT select the option to apply funds as an additional payment. Now my account is 14 days Past Due IAO {$96.00}. I called the company on XX/XX/XXXX questioning why why account was past due when I paid more than the MPA. Agent said they would submit request to have issue resolved. I checked my account on XX/XX/XXXX, still showed as past due. Called the company again on XX/XX/XXXX, agent stated I needed to allow more time for payment to be reapplied. Checked my account again on XX/XX/XXXX, still showed as past due. Sent an email requesting a status update of my request and an explanation of why my payments werent applied as requested. As of today, I still havent received an email response or call. Called the company on XX/XX/XXXX to get a status update, there was none. Asked the agent to explain why my account is past due. He stated any payment made prior to the due date will be applied towards that months payment regardless of what option is selected online. This information is not listed on the website or the borrower agreement. The borrower agreement does not include language of how payments are applied in relation to due dates. The document states funds are applied to fees, interest, then prin. Prepayments/additional payments are allowed but will not change monthly billing amount. I did not select the prepayment/additional payment option. I was forced into that without my knowledge. The company refuses to explain why they give the option to select how a payment is applied but not honor it. I also asked for details of how my payments are applied, they havent provided that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
Repeat calls and messages to return call about a debt to bull city financial. I owe nothing to anyone, never charged anything etc. Maybe they have the wrong number and or person but they need to stop especially since I'm on the no call list. 
Number calling is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have written five ( 5 ) letters to Synchrony Bank / Walmart to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / Walmart was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank / Walmart.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation