vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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:
Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. 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 2020-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. 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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
The last payment made in full was made to target and due to a problem with our bank and Target receiving the payment although it was on time their processing center was closed. When they did open up the payment was then considered late by Target. 

On three occasions I negotiated a settlement only to be later denied. 

The last time was when they told me to get a letter from my bank explaining the situation they would remove the late charge only to be denied once they received the letter. 

Please review Targets tapes they have on all our conversations back and forth. 

How do they continue to assess late charges and interest on a closed account. Is this not illegal? 
Although this is my account my husband was added. This account was issued in my name and based on my credit was issued. It should be not be allowed to be reported on my Husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A CAPITALONE BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2020-10-07 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-07 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
Around XX/XX/2020 I contacted Credit Manage Services , Inc. of XXXX XXXX, XXXX to pay the balance due on an account they had received from XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX. I had been in regular contact with XXXX XXXX office manager, XXXX, about this account. She had decided it was a health insurance billing issue and told be she instructed Credit Management Services to hold all collection efforts until the situation was further investigated. 
Credit Management Services XXXX Inc by way of XXXX XXXX attorney filed a lawsuit agaist me for the aprox {$700.00} balance. I contacted the original XXXX XXXX and XXXX confirmed she instructed Credit Management to hold any proceedings. I contacted Credit Management via phone and as told, " yes we had got that information from the client, but we wanted the judgement anyway ''. I informed the debtor of this and she removed the file from the collection agency, although the collection company wanted fees. 
I called in XXXX to pay the fees of aprox {$130.00} to satisfy the judgement and clear the record. On that call I was informed that there was another account the had been placed with them for over {$37000.00}. I stated I had no knowledge of this account and requested they provide details via USPS so I could validate. 
I have no other communication written or telephone after that until I received a summon s from county court. The summon indicated Credit Management Services , Inc. was  suing me for {$37000.00}. 
I have no opportunity to be informed of the alleged debt or request validation. I also have not been given the option to ensure the debt was validly passed on to the collection agency specifically not violating HIPPA laws. 
This is how the first case was handled too. It seem as XXXX XXXX is trying to operate as a debt collector but functioning as a attorney not adhering to FDCA. 
I can provide the summons and court documents if requested. 
Again they provided no notice of the debt, no opportunity to dispute or request validation and other actions required by federal law. 
I have filed complaints with the XXXX  Attorney General, XXXX  and will possible file a counter suit for violations. 
Consumer deserve protection from these unscrumptious attorneys acting as debt collects and not disclosing they are acting as debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a debt owed to XXXX XXXX of about {$8400.00} and separate debt another of over XXXX. The XXXX dollar debt was paid off in XXXX and was for a truck loan. This payment was not authorized, and I was not even so much as given a receipt. They are responsible in this case because they lost the title to my truck XXXX they still dont know what happened XXXX and then because I wasnt able to retitle it in a different state they raised my APR by a crazy amount. This is all after I had refinanced the truck with them. They closed the account without talking to me and on my credit report says they settled for less than the full amount which adversely affects my credit score. The XXXX was the remaining credit card debt to be paid. I never talked to anybody about being able to set up payments and before I could talk to anybody about making arrangements the money was taken out of my account without authorization. Obviously they said the bank has authorization after I signed for the card and that they can do basically whatever they want. Every time I call for answers I am bullied around by the collections workers and treated very unfairly, and have even been hung up on when they couldnt get answers. If I had paid off a larger debt to them just a few weeks prior to the pandemic, then I should have the opportunity to set up payments before I am left penniless by the bank. There was no warning that the money would be taken out. Navy federal credit union has a huge history of wrongfully collecting debts and bullying customers. A few years ago they were ordered by the courts to pay back tens of millions to families that were robbed and bullied by this institution. I find myself in this very situation that left so many families struggling not able to support themselves. The handling of collections by Navy Federal is disgusting and continues to destroy lives of the people that took years to build up these savings. I believe that I have been wronged in this collections process without an opportunity to make payment arrangements. Especially in times when everything is so uncertain it is an extremely authoritarian and unethical method to reach into someones account and take everything they have. Now they have effectively ruined my credit by processing these funds in the manner that they have, giving me no options and effectively leaving me with XXXX dollars. Its also worth mentioning that the money taken from the account was federal XXXX payments needed for treatments and to get help that I very much need. I hope that my situation can shed light on the corruption that still happens at their institution behind closed doors. It hasnt stopped after the lawsuits, they just found more loopholes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The XXXX XXXX that I am being through because of this issue, has taken me to get XXXX  attention. The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by TRANSWORLD SYSTEMS INCS actions. I need you to take this matter seriously, and send me a response. 

Please read carefully the following violations that your company has committed under the California Credit Reporting Act : 1. TSI has re-aged the account. This has a big impact in my credit score, since account will be on report more than the time allowed by law.

2. FCRA inconsistent reporting.

3. failing to put accurate delinquency date.

4. failure to provide notice of adverse reporting.

5. Negligence.

6. unfair business practices. 

Account number:XXXX Opened : XXXX High Credit : {$700.00} My demand is that you DELETE THE ENTIRE TRADE LINE for this account base on the damages that I have suffered. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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:
Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : Transunion, XXXX and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.

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 2020-10-07 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on XXXX credit report. 

Ally Financial from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
My husband and I received a letter from Santander Bank about our mortgage indicating that they had not received our last payment and that we owe {$2900.00}. I called the bank and they said that they are not dealing with mortgage issues because First Bank acquired them ; therefore, I had to call First Bank. I called First Bank and they inform me that on their end, all payments are up to date and there is no issue. Even so, my credit scores and my husbands credit scores went down more than 50 points which because Santander closed our mortgage.

Now we do not understand why we are being penalized in our credit scores for something that is not under our control. We called XXXX and XXXX  and they both explained that it is automated by a
formula. Which we understand, but the formula does not contemplate that we had nothing to do with the change of bank portfolios! Is there any way this can be fixed and get our credit scores in good standing? We have responsibly paid all our debts and have worked hard to
better our credit scores, especially after Hurricane Maria when everything was such a mess. 
I am available to talk about this : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: DE

Complaint narrative:
Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX to. I have contacted them both and up to now its still there

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