vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The XXXX didn't perform the services that he was paid for by Citi Master Card. After we put the payment on dispute, he provided us a Release Letter stater that he wouldn't contest the dispute. However the Citi instead of contacting the merchant and having confirmed that crevice was never performed returned the money to the merchant and put a charge back on our account. Nobody in the Customer Service has any qualifications to answer why they did it after I spent hours on the phone with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
On XX/XX/XXXX, at XXXX I was meant to be wired a repayment from a good friend. She banks at Navy Federal Credit Union, the branch was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The payment was international from XXXX to XXXX, and heading for my British account. 
The projected time of " funds available '' came and went, no money was received. My friend had to go back in to the branch, where it was discovered the clerk had filled in the form incorrectly, so a trace was initiated and the payment to me was promised in XXXX working days. That time also came and went. The money is missing, my friend was told her concern would be addressed in a " case by case '' decision, which is terribly unfair, and wrong. 
The bank lied about sending my British bank an email, also, as they don't subscribe to " XXXX '' payments, they assured her the " routing '' number, our version of a sort code, would find the missing money, which was not truthful, as only identified the branch, not a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law
State: TX

Complaint narrative:
On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XXXX of 2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On or about XX/XX/XXXX, {$520.00} Transworld report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. Transworld without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, Transworld is report that it was open in XXXX in attempts to hurt my good credit. Transworld on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, Transworld refused to give me a name or address to file legal actions against both Transworld and the third party. Transworld told me it would be removed from the credit report however, XXXX has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from Transworld and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and Transworld is XXXX  which the company has stated info was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For about 2 years my Equifax report does not include all information. Sometimes it shows accounts for XXXX XXXX and then it changes and only includes accounts that also show my middle name. This creates a massive shift in my score and overall view of my credit history. I've tried to dispute things on their website but they wont open any disputes. 
I've tried twice t resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/20 Investigation Notice XXXX and subsequent communications TransUnion reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday, XXXX employee # XXXX confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX # XXXX, XXXX XXXX XXXX,, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please provide all documents/records by return email to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/XXXX Annual Credit Report number XXXX - Experian XXXX dispute and subsequent communications Experian reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday ( obstructions totaling 123 minutes ) and speaking with XXXX, XXXX and many others and XX/XX/XXXX Experian Customer Experience Survey Case # XXXX Experian again confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Experian has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please immediately provide all documents/records by return email to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
XXXX XXXX Balance : {$2800.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$13000.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$980.00} - Your records are revealing conflicting and incorrect information compared to other bureaus XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX Balance : {$1900.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX Balance : {$720.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$1400.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$2400.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed

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 2021-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XX/XX/2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
This is the SECOND complaint to your office regarding a dirty sale of a vehicle to me from XXXX XXXX. 

I purchased a used vehicle from XXXX XXXX in XXXX, Arkansas in XX/XX/XXXX. The finance department never disclosed the annual percentage rate or the monthly payment as a tactic of high-pressure sales. 

I tried to do everything to reverse the transaction but could not. On XX/XX/XXXX, the vehicle was repossessed and Ally Bank tried to garnish my bank account. Ally Bank hired XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to sue me for the remaining balance. The balance was just over {$8000.00} dollars. The case was thrown out of court XX/XX/XXXX. I have been on XXXX since XX/XX/XXXX. My XXXX checks are not enough to get me through the month so I must rely on SNAP benefits. My mother used to help but she died XX/XX/XXXX. 

This week I received a letter from XXXX XXXX XXXX XXXX XXXX. They were hired by Ally Bank to collect what I could not afford the first time they took me to court. I have attached their letter and a print screen of the court case and the outcome. 

I am not in good health and was not when I was conned by XXXX XXXX to purchase their vehicle. This bank must acknowledge that I was not and will not ever be able to pay them. Ally Bank needs to get whatever money from the dealership who begged them to finance the loan. I have lost thousands of dollars because of XXXX XXXX and Ally Bank. This needs to cease, as it is getting out of hand. My mental health can not take any more of this harassment. 

Please see the attached documents.

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 2021-01-15 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 a medical collection reporting from XXXX XXXX Services with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, 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 loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, {$520.00} XXXX report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. XXXX without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, XXXX is report that it was open in XXXX in attempts to hurt my good credit. XXXX on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, XXXX refused to give me a name or address to file legal actions against both XXXX and the third party. XXXX told me it would be removed from the credit report however, XXXX  has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from XXXX and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and XXXX is Transunion which the company has stated info was received.

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