vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
Joined " XXXX  XXXX '' online in late XX/XX/XXXX. I was never give a written copy of my alleged contract. The management kept saying I could see it on " The App ''. 

I cancelled the membership in writing ( mailed to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) on XX/XX/XXXX. They ignored the request. 

Then I sent the same letter to the corp. HQ office at XXXX XXXX XXXX XXXX XXXX , NH XXXX and via fax. 

The cancellation letters were sent via USPS on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I called the customer service number and was unable to reach an actual human to talk to. They have a system that transfers you to a new recording. You can not speak to a human. 

I believe each letter was intentionally discarded or ignored so as to continue to bill me. Thankfully, XXXX XXXX was kind enough to " Block '' future charges. They claim hat I owe {$93.00} for a place I've never stepped foot in. 

XX/XX/XXXX I finally spoke to ABC Fitness Solutions ( 3rd party collections company ) who stated that only the local gym could cancel my membership. 

I then call the local gym again ( 3rd time ) and " XXXX '' was immediately defensive and extremely evasive in her actions and answers when I asked why my membership was still active nearly 90 days after being cancelled. She stated that they never received the first 2 letters. When I pressed her, she then stated " Oh yeah ... we just got it today ''. So she claims that it took 3 letters mailed and 60 to 85 days for her to know my wishes? 

Within minutes of the above phone call I received the attached cancelation form. It is fraught with errors and misinformation. I canceled the membership on XX/XX/XXXX. Not XX/XX/XXXX. I'm not " unhappy about billing ''. I unhappy about the obvious fraud and deception. It indicates that I " Checked In '' at the club on XX/XX/XXXX. This is false. I've never been there even to work out. 

I believe ABC Fitness Solutions has violated fair debt collections practices. They have zero disclosures in the communications. They are acting as a third party collection agency. 

This entire process smells of fraud and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
A mobile deposit was made on XX/XX/2018 into my Suntrust checking account, now Truist Bank, the amount of {$4200.00}, a close out check from XXXX XXXX. I called Suntrust on XX/XX/2018 inquiring about funds availability, the rep released funds that day, making full or half amount available, I do not have exact amount available to me due to length of time since account closed in 2018. I later learned XXXX XXXX placed a stop payment on check prematurely, without my knowledge. The account became overdrawn due to stop payment, funds had been spent, the amount Suntrust claims I owe is {$3400.00}. XXXX XXXX has not reimbursed for funds owed to date, separate CFPB complaints filed in re, unresolved to date. A prior CFPB complaint filed against Truist Bank as well.. I believe Suntrust reps made an error at the time in releasing funds without verifying them first. I suspect they will refer to their funds availability policy which I am not familiar with, it has been over three years since account closed. I also suspect they will claim it is their discretion to make funds available or not, however, the CFPB might want to look into this as Suntrust is apparently reporting the account to consumer reporting agencies as well as several collection agencies. Most recently, XXXX XXXX XXXX sent me a debt collection letter in re, referred account back to Suntrust after complaint filed with CFPB. XXXX XXXX is the third collection agency attempting to collect on this debt, maybe not the last.

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 2021-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: OH

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
In XXXX, my wife and I went through a messy separation and we split so I vacated the home and she stayed. She did not make any payments on the loan allowing it to go further and further into default. Due to domestic issues, I was not able to move back into the home to reinstate the loan or complete a loan modification. My wife vacated the home last year, leaving it to foreclose and I have been trying to rectify the default since. I have submitted a complete short sale packet, all documents required of me have been sent to the mortgage servicer. They agreed to postpone a foreclosure that was previously scheduled since I submitted documents but they still have the short sale under review and they still have an auction date for XX/XX/XXXX scheduled which is unfair to me since I did everything that was needed. They have deemed the short sale packet completed so all that is needed is additional time to be able to close out the sale. I am still suffering financially due to my separation and desperately want to avoid a foreclosure that will only put me further in the hole. Please assist me with getting in contact with my servicer to help me get this auction stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CA

Complaint narrative:
I originally wrote Equifax, XXXX, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I've spoken to serveral representative from the parties involved with this company and they still won't comply with the information I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: IN

Complaint narrative:
On XX/XX/2021 I natural person and federally protected consumer XXXX XXXX XXXX believe Global Lending Services have violated my federally protected consumer rights under the FDCPA ( fair debt collection practice act ) FCRA ( fair credit reporting act ) and T.I.L.A ( truth in lending act ) I walked into XXXX XXXX to fill out a consumer credit transaction and walked out with a loan and debt. I assume no liability for this alleged debt which I stated in the first affidavit. see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has incorrect information on file. 
When i shopped for home mortgage in XX/XX/XXXX, I contacted 6 companies, and picked one of them. This must be shown as one inquiry, not six. 
I tried to call customer service - got disconnected on XX/XX/XXXX. Also, tried to chat on Experian.com - thee times was disconnected, also on on XX/XX/XXXX. It looks like a complaint to agency is the only available means to fix the issue. 
Please help 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 2021-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor Navient. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " XXXX  '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor Navient account deleted from my XXXX  profile, but the same account is still being report erroneously on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor CREDIT ACCEPTANCE listed on my credit report were not reporting payments made to the account since XX/XX/XXXX appalled at this error I reached out to the major credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor CREDIT ACCEPTANCE along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX XXXX XXXX, Compliance on XX/XX/XXXX she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that CREDIT ACCEPTANCE is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/XXXX XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB observe in the documents also which is a FCRA violation of reporting incorrect information notice the amounts from all three credit bureaus are vastly different I have also attached the proof the the disputes submitted to all three credit bureaus along with the copies of the payments made to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Two accounts with Barclays were fraudulently opened and have a balance. I reported this to the company in XXXX and have not gotten a resolution. The accounts are still on my credit report, with a reported balance of {$5200.00} on one account and {$2100.00} on the second. The company claims these are my accounts, but I have no knowledge of 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 2021-07-29 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: PA

Complaint narrative:
This is a complaint against Equifax and XXXX, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against XXXX and Equifax were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: FL

Complaint narrative:
I have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, XXXX, and Transunion, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped 3 points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.

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 2021-07-29 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:
I have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, Equifax, and XXXX, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped XXXX points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: OneMain Finance Corporation
State: SC

Complaint narrative:
One Main Financial Services has reported a loan on my credit report with incorrect information. The loan states that the loan was settled by me for a amount less than owed which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: AZ

Complaint narrative:
On XX/XX/XXXX, I asked Equifax, XXXX, and XXXX to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.

Company response to consumer: Closed with explanation