vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 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:
Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc. 

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. 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 2021-01-02 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:
Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc.

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NJ

Complaint narrative:
I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX  needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have made several attempt to resolve since XX/XX/2020 please the attached proof XXXX : XXXX Mortgage needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


XXXX  has declined to update my credit report, I have sent numerous request to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.

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 2021-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a personal check from my mother into my Chase checking account on XX/XX/2020 in person at a Chase Bank in XXXX, Texas. The teller informed me that the funds would be available to use on XX/XX/2020 and this XX/XX/XXXX date was reflected on the receipt of deposit that was provided to me by the teller. 

Those fund are still on hold as of XX/XX/2020. On this date I called Chase Bank and spoke and was informed it would be on hold until XX/XX/2020. My mother informed me that the fund have already left her account. Further, my mother gave my sister a check for the same amount. My sister deposited her check on a later date than me and her bank, XXXX XXXX, has already released the funds in to her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I have loans that were in forbearance with XXXX XXXX XXXX. At the end of forbearance I asked for an extension and State Farm informed me the loans were in the process of being transferred to Rushmore LMS and I have to talk to them. I have not had any luck with getting a live person on the phone at Rushmore. Once, I did get a person and he told me he see 's it is in forbearance. At that time I asked that his company not robo call me. I told him I need to find out if it is going to be extended and what are my repayment options. He said he would get back with me in a week ( around the beginning of XX/XX/XXXX ). I did not hear back. I did receive another robo call from them a little later than a week on ( XXXX at XXXX XXXX eastern ) I called right back at XXXX and was told the office is closed. According to the time on their paperwork they should be open until XXXX pacific. I received another call on XXXX @ XXXX eastern and when I answered no one said anything. I said hello several times and no one said anything. All the other times Rushmore would call it would be a robot telling me to call them. When I did call right back I would be told it was after hours or I could not get a person on the phone. 
I was sent some documents and I filled them out and mailed them on XXXX XXXX, hoping to finally get a repayment plan since I was never informed if I was going to get an extension of my forbearance. 
On XX/XX/XXXX I received a Notice of intent to foreclose ( dated XX/XX/XXXX ), stating I have to give them the entire balance by XX/XX/XXXX. I sent Rushmore an email with the documents I mailed to them. I told them they robo call me and never answer the phone, they never gave me a relationship manager or an after forbearance repayment plan. I also told them I was going to file a complaint with the Consumer Finance I received an email response on XX/XX/XXXX informing me they received my documents and they are under review and will let me know within the next 30 business days. Rushmore informed me XXXX XXXX XXXX XXXX is the current owner of the loan. All this is good but they told me I had to pay in full by XXXX. Thirty business days is to late to get a reply. 
On XX/XX/XXXX, I got 2 more certified letters about foreclosure that was dated XXXX, XXXX, on 2 other properties that are in forbearance. Along with the forbearance letter I received home retention documents that were back dated to XX/XX/XXXX. One of the properties were less than 30 days late at the time of the foreclosure letter. 
I have a friend who have had problems of their own with Rushmore. On time payment were being made when they were sent a letter stating they were 3 months behind. Rushmore was not applying the funds. My friend made payments current again and Rushmore refunded their funds as an escrow overage. Needless to say, they never admitted fault or corrected it on their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC
State: AL

Complaint narrative:
I am a XXXX veteran living in XXXX XXXX Alabama. I am seeking your assistance in regards to illegal practices of Omni Financial of Nevada , Inc. After extensive research, I have found that Omni Financial has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was Omni Financial was not registered to operate until XX/XX/XXXX. I unfortunately defaulted on the loan due to lack of income. Since then the original amount to pay back has jumped to {$16000.00} ( {$8500.00} in interest and late fees added each month ). 

There was a recent Administrative hearing held by the Bureau of Consumer Financial Protection in which they found a number of Omni Financials practices illegal. I ask that you review the attached documents and provide any assistance you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Was provided misguidance by customer support. Requested application of payment to principal on XX/XX/2020, was told by agent to make online payment. My payment was misapplied. Customer service refusing to rectify the 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 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase Vault.The co-signer email address in my Vault never gets the email to approve my transfer. That email does get emails. I got one from Coinbase on XX/XX/2020. Have tried this transaction numerous times prior to this date with the same outcome. No way I can find to change my second email. In my world I have money in a vault that I can not access. How can I do this? I am really frustrated and getting ready to escalate this in any way possible to get my money so I can use it as I want. Have sent this more than once with no response outside of a Robo email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02 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: NY

Complaint narrative:
no response with old address and old jobs

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
PLEASE SEE ATTACHED I AM THE VICTIM OF ID THEFT I AM ATTACHING MY FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I accepted a credit card with a promotional 18 month zero percent interest with a XXXX XXXX credit line, I also had another card with a XXXX credit line both with Fifth Third Bank. On XX/XX/2020 both cards were reduced to XXXX XXXX  and the second one to XXXX XXXX. Fifth third didnt keep the promotional agreement and leaving me with a high usage of on one card and a credit score that would suffer because of the reduced amount. I called fifth third and they stated they would restore the credit lines if I accepted a hard pull to my credit but couldnt receive the zero percent interest. Im very annoyed by fifth third because they send me loan offers every week and took the credit lines in the middle of a pandemic when I never missed a payment, why reduce my credit and then offer loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: LA

Complaint narrative:
The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: LA

Complaint narrative:
The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020

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 2021-01-02 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: FL

Complaint narrative:
On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this XX/XX/XXXX day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX  emailed me a confirmation letter stating that they advised the credit bureaus to remove the XX/XX/XXXX day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX  stating that they have reached out to the credit bureaus to remove & correct the XX/XX/XXXX day late errors and to update my account. Equifax & XXXX, XXXX refuses to make corrections after XXXX XXXX have requested for the XX/XX/XXXX day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Synovus Bank
State: FL

Complaint narrative:
On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against SYNOVUS BANK concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX SYNOVUS BANK Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this XX/XX/XXXX day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also SYNOVUS BANK emailed me a confirmation letter stating that they advised the credit bureaus to remove the XX/XX/XXXX day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from SYNOVUS BANK & the letter that was email to me by SYNOVUS BANK stating that they have reached out to the credit bureaus to remove & correct the XX/XX/XXXX XXXX late errors and to update my account. XXXX & XXXX, XXXX  refuses to make corrections after SYNOVUS BANK have requested for the XX/XX/XXXX day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I see a debt collection of amount {$1300.00} on my XXXX report from XXXX XXXX XXXX XXXX and IC System is the debt collector for this, dated XX/XX/XXXX. 

This was not noticed until i received a notice of data security event from XXXX XXXX XXXX XXXX which provides administrative services to XXXX XXXX XXXX. 

Actually we took services from XXXX XXXX during XX/XX/XXXX and was duly paid from my insurance. 

Hackers could get my PII and health related information and billed / debt collection with back dated to extort money or else hurt my credit score. 

Please help.

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This company did not check with person living at the address associated with this collection they were given a deposit but did not give credit on the account for the deposit..A family member lived at the address and is no longer in contact with the family..I would like to receive confirmation from XXXX XXXX  that they took the deposit off the total of the bill and they didnt charge the proper price for the XXXX..They have a class action lawsuit against them regarding their XXXX prices i can not afford to pay this bill living on XXXX and if they could send proof of my identity they took before opening up the account that would be great a copy they have of my drivers license or social security card something they accepted when opening the account and a reason why the bill is so high for a few months..And give a complete from start date to end date..

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 2021-01-02 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: LA

Complaint narrative:
The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020

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 2021-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
We are still having trouble with the companies XXXX and TransUnion! They are definitely dealing in Economic Fraud by misrepresentation who we are as American s! We have unlimited credits! See House Joint Resolution 192, of June 5th 1933, there is no constitutional law enforcement of money, only legal tender!

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