vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
while was incarcerated my family was to make the payments by calling the automated system and using online services back in XXXX, they were denied access to make the payments and told my " lawyer '' shut down access to any and everyone who was not me which was fraud as I never gave anyone authority to block access to make payments or to close my accounts. this happened on thee accounts of mine. I filed a complaint letter to the FTC never heard anything back but two of the three companies removes these accounts since this occurred and only XXXX XXXX and the portfolio recovery company are still ruining my credit and attempting to further damage my credit while trying to make money from me after causing so much damage. Upon my return from clearing my legal matters in XXXX XXXX XXXX after being notified of the FTC claim removed this item from my credit then placed it back on as if it was new debt in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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:
FCRA Violations ; not mine ; see addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$460.00} Amount {$460.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification RETAIL Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$510.00} Amount {$510.00} Status Date XXXX  XXXX, XXXX Status UNPAID Balance Date XXXX  XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Sequium Asset Solutions, LLC
State: ID

Complaint narrative:
Sequium Asset Solutions is reporting an account on my credit file that needs to be removed. I recently checked my credit and noticed this debt reporting for a XXXX bill I had. I never received a 30 day right to dispute or any calls from them regarding this debt. As soon as I found out I paid this debt! However, they are in violation of my 30 day right to dispute under the FCRA and the FDCPA. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to TransUnion. Can this be corrected?

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NC

Complaint narrative:
I called to discover and told them someone stole my identity and open a fraudulent account in my name. I have sent them supporting documents and they did not take this situation seriously, This fraud account has hurt my family financially, and caused distress. I have a XXXX and a wife and we tried closing on our home but discovered a fraud account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was approved for my 2 credit cards but didnt get one and lost the other one and their were charged I didnt recognize authorize and called but I dont get the claim process I was told I am not liable fir charges I didnt authorize I still have not seen a credit for those charges

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 monetary relief
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 The accounts related to XXXX XXXX XXXX  were paid in full {$1100.00}. The accounts are still listed on my Eqiufax credit report as in collections. I have attempted to contact XXXX  and they have informed me that they have reported the accounts paid in full and will not assist me with getting the information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The IRS said they sent my child tax credit payment on XX/XX/XXXX yet XXXX havent received it. This is the second time Suntrust has interfered with my deposits. Last time they claim they didnt see my tax refund but the IRS sent me a letter saying Suntrust blocked it. The IRS ended up having to send me a check and will probably have to again. Please give me a real explanation about why than happened and no fake excuses.

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 2021-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I was in my garden and I received a call from Amerisave .Someone by the name of XXXX called me stating he guarantee that he can beat a mortgage rate of 1.99 percent.I told him three times on the call do not guarantee me anything because California laws state verbal agreement is the same as contractual agreement. I also let him know that I teach business law.After I called back to try to talk to supervisor then I was told Amerisave does not do jumbo va loans, the representative was rude to me when I asked to speak to a manager, and third representative told me I am talking to loud but Im hearing impaired which is XXXX discrimination.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This vehicle was repossessed by the company, I was never given any documents regarding a deficiency balance. I don't know where this car is or ended up. This company has been falsely reporting the amount owed and refuses to furnish documentation regarding the whereabouts of the vehicle or the price it was sold for. I do not owe this amount, the company violates the FCRA and the FDCPA.

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 2021-07-20 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: FL

Complaint narrative:
XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.

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 2021-07-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and Experian are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
My mortgage is serviced by Fay Servicing, last year due to the pandemic i applied and got approved for forbearance. Even thou in forbearance, Fay Servicing reported all payments as late to all credit bureaus also even thou there was a moratorium on foreclosures Fay Servicing placed my property into foreclosure. 
After being enrolled in forbearance for about six months I paid Fay Servicing everything that I owned them as well as the foreclosure fees. After ending the forbearance I asked them to remove any late payments reported to credit bureaus while I was in forbearance, they refused to do so. 
Fay Servicing is not following the CARES act Mortgage Loan Foreberance nor the Foreclosure Moratorium. 
Fay Servicing acts very reckless and extremely rude. 
Their practice do not follow the law, rules and regulations. Fay Servicing refuse to remove any late payments from credit bureaus so they could keep myself locked into their higher mortgage rate at 5 % for 40 years mortgage. 
Many of their customers are in a similar situation. 
The XXXX XXXX XXXX has published an article about Fay Servicing reckless behavior in XX/XX/2020, there was no response from Fay Servicing nor any investigation into their practice. 
As of today Fay Servicing has been receiving great financial support from government thru PPP Loans and TARP Bailout Program, so at least they should follow the law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
This is inaccurate reporting. I've never made 1 payment late.

How can XXXX  and XXXX  report two completely different late payments both reporting as accurate when in-fact it is not? TD Auto Finance has yet to prove that I've ever made any late payments. Simply stating that I have previously made a late payment is not good enough. I NEED PROOF! I've already proven that TD Auto Finance is reporting inaccurate information to XXXX  and XXXX now I would like for the payments to be corrected to NEVER LATE. XXXX and XXXX  are reporting different months and the errors are clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX, added a derogatory mark on my credit report per EXPERIAN. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtor/Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-07-20 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at n XXXX address XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
The company continues to call and email after a payment has already been arranged. There is no valid reason for the call other than to harass or to get my wife and I to overcommit ( commit to making ANOTHER payment despite arrangements already having been made. ) This is very clearly bad faith. 

Furthermore, after requesting they stop unnecessary and thus harassing contact, they purposely misconstrued my request to stop ALL CONTACT, again in a show of bad faith.

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 2021-07-21 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: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX and TransUnion on DATE. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-21 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: DISCOVER BANK
State: OH

Complaint narrative:
Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at XXXX XXXX address XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.

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 2021-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.

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 2021-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a follow up to a prior CFPB complaint, I filed a CFPB complaint against Cap1 in XXXX. 
On XX/XX/XXXX, Capital One agreed to remove a XX/XX/2020 late payment for my Neiman Marcus Credit card, and send me the attached deletion letter through the CFPB. 

The late has not been removed, I have sent this letter to the credit bureaus and to Capital One 's customer service, both of whom refuse to remove the late payment.

It seems Capital One 's Consumer Advocacy group did not communicate the request to remove the late payment to the credit bureaus and to Capital One 's own servicing and customer service department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
santander consumer usa are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

Company response to consumer: Closed with explanation