vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp
State: AZ

Complaint narrative:
I took out a personal loan with LendingClub before the XXXX and was paying {$170.00} approximately every month. When the XXXX hit, I was affected and immediately let LendingClub know I am having difficulty making my payments. The best LendingClub could do for me was split my payments up as {$86.00} and {$86.00}, still paying the full amount each month. It became a hardship and I requested they give me an extension which they denied many times. Due to the hardship, I became late on my payments by 3 months. During this time I still attempted to call LendingClub to request an extension. Recently, as things are improving with the economy, I sent LendingClub a letter requesting how we can settle my debt. They did not respond and two days letter " charged-off '' my account. The indicated it was charged-off in XXXX, but I didn't receive notification until XXXX. 

I called LendingClub asking why they charged it off and how I can pay off my balance. LendingClub stated the account hasn't been sold to a debt collector yet and is pending. I offered to pay off my loan in the amount of {$2500.00}, the amount actually owed without them adding their interest and late fees. LendingClub agreed to the settlement, however they want to mark this on my credit report still as " charged off - settled in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A {$95.00} annual fee was assessed to my American Express XXXX XXXX XXXX card in XX/XX/XXXX which I forgot to cancel. I was overseas for some time due to Covid-19 and calling to downgrade the card was forgotten and not a priority when I am afraid to return to USA. I did not have computer access at times and mail was returned since I forgot to forward to the proper place. {$46.00} was credited due to the downgrade on XX/XX/XXXX, to another product but the remaining {$48.00} is being held hostage by American Express for a 20+ years member whose business is not valued. Please refund the remaining {$48.00} as a sign of good will gesture and one time courtesy. Although I like the benefits American Express provides, I will use Visa and Mastercard  and will tell my friends and family to use other credit cards. 

American Express is adamant about its policy of the {$95.00} annual fee and says it is not in their policy to refund the remaining amount. This credit card was a solicitation by American Express to upgrade the card by giving a promotion and I regret falling for the trap since American Express rejected my request. 

XXXX understood the situation and refunded the annual fee for its XXXX XXXX XXXX XXXX. American Express should follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I wanted to relay my recent experience with Alliant Credit Union I took out a car loan with Alliant approximately 4 years ago because the interest rates were so low. Payments were coming from my personal account on time every month. 

I use the car primarily for work and thus most recently switched the account to my corporate account. I received an email from Alliant on XX/XX/XXXX ( which I have proof-the actual email ) suggesting that there has been some fraudulent activity, and thus I was not taking calls from Alliant. My office manager put a stop hold on the payments to Alliant without my knowledge and thus my loan was overdue. I personally called their loan department 2 weeks ago to XXXX ( that is his name ), and he was extremely pleasant and offered to follow up with me, but he never did. 

I received a call from XXXX XXXX last Thursday. He was extremely rude and threatened to repossess my car. Because I no longer wished to do business with the bank, I immediately wired over the balance of {$38000.00} of my loan, which is what XXXX rudely told me to send over immediately or he would repossess my car. I tried to get an explanation of why I overpaid, as my ending balance on my statement was only {$37000.00}. I asked them to pay the difference to be paid back to be immediately. He also sent my information over to the Credit Reporting Agency, and since I monitor my credit ( which is over 740 ), I found out about it. My credit is now ruined because of the actions of the bank. I have notified them and sent over proof and they have done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: GA

Complaint narrative:
Here we go again. Every 2-3 months my credit file is incorrect, wrong, and XXXX. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and XXXX XXXX XXXX fraudulent debt on my credit file. It ISN'T fair! It caused me a V.A. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Credit Service, Inc
State: OK

Complaint narrative:
Official Dispute This document shall serve as an official dispute towards Credit Services and the original creditor of XXXX XXXX XXXX XXXX XXXX in the amount of {$710.00}. Attached document A is an itemized report from Pro XXXX XXXX that illustrates a charge a {$470.00} for rent in the month of XX/XX/2020. Support document B illustrates new utility service that was started at a different address which proves that the residential home in question was vacated prior to the month of XXXX. Therefore for the {$470.00} rent charged for the month of XXXX and the {$50.00} late charge is invalid. Support document C is inspection from a third party winter weatherization company. Upon inspection they noted mold in the apartment. The mold attributed to the charge of {$170.00} and the {$140.00} charge put for trash out and carpet cleaning. The mold was due to a failure to repair a leaking AC unit. It was reported to the property manager several times that the AC unit was leaking after each use. The leaky AC unit, costly heating & cooling bills, mold, and with the combination of management team refusing to repair and replace these issues caused the vacation other unit. I have supplied enough evidence to at the very least to illustrate the charges are incorrect and to go further to eliminate these charges altogether. I am not responsible for this debt I request a full investigation and want this item remove from the all credit reporting agencies..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
In XXXX I received a debt collection response letter for my complaint about the verification of the account. The debt collection response letter has multiple incorrect debt violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
The company is using discriminatory and fraudulent methods to close all sorts of loans. They are forging documents, specifically pay stubs and w2s, and more to get unethical closings. They are also actively discriminating against FHA & VA loan applicants by icing them out. They are training associates to not respond and to make things more difficult for loans that do not make a certain amount of commissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Calls before XXXX have been happening more even after i let them know not to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: OH

Complaint narrative:
I have reached out to Transunion ( TU ) over 25 times regarding this matter each time being hung up on or transferred into dead air.

I have asked that TU follow the guidelines of the FCRA.

I have reported REPEATED VIOLATIONS of the FCRA to the company as well.

The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved.

When i asked TU who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that TU is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for TU to furnish a report - i am hung up on.

Section 604 ( a ) ( 2 ) alongside other pieces of the FCRA identify that a consumer written consent is needed for a credit reporting agency to furnish a report.

According to the CFPB and the FCRA Transunion needs to have my written authorization which gives instruction or permission to furnish a report on myself.

I have asked TU to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that TU delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.

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 2021-06-17 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Here we go again. Every 2-3 months my credit file is incorrect, wrong, and screwed-up. XXXX  permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against XXXX. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and Transworld System Inc. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! XXXX  will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by XXXX  in broad daylight. Please help. Sadly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Financial Inc.
State: MA

Complaint narrative:
Hi Self ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the Equifax Data Breach. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi COMENITY BANK/XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion, XXXX  and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. Transunion, XXXX and XXXX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
HELLO ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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