vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 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: GA

Complaint narrative:
While XXXX with the United States XXXX, I received late charges to my XXXX XXXX  credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX collection department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.

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 2021-01-23 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: GLA Collection Company, Inc.
State: OH

Complaint narrative:
GLA COLLECTION COMPA Opened XXXX XXXX, 2019 did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TX

Complaint narrative:
I've sent multiple dispute letters to XXXX XXXX, and Equifax and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and Advance America improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from Advance America, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the XXXX XXXX, XXXX, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, XXXX XXXX, XXXX has purchased the so-called Advance America loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME

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 2021-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have bought a XXXX XXXX XXXX in XXXX and sign a Loan in order to engaged with this transaction. 
In 10 years never had any issue to make my monthly payment but since XXXX and the coming of The Covid 19 I lost my own business, my client portfolio and encountered some delayed in my monthly payment. 
Despite using accessible tool offered by Nissan to differ a payment and calling the institution to express my challenges I was reported to the credit bureau for an amount of XXXX dollars postponed payment. 
Moreover my contract has now matured and I am about 2 months to finalized the payment of the car note. Nissan Auto acceptance are forcing me to pay something I was not aware, something I was not informed, something I was never explained to calls final interests. As a client I felt trapped and abuse in this circumstance as do no allow client to access to customer service for complains via e-mail or phone, moreover Never had a performance review in 11 years on this Loan, Communication by staff # XXXX not legally appropriate ( professional vs public person ) Agent XXXX mentioned that all this was my responsibility to follow up on this matter and calculation of interests, XXXX could not help me out but to ask to send a letter of complain to their legal team using the post office services.Financial Institution like Nissan should have in their operating system a performance review on XXXX with client or at least some form of communication during the end period of the Loan. I am asking your expertise and experience to review this very abusive case asking to pay XXXX dollars over my normal payment that I have made with consistency the last past 11 years. Nissan make feel abused, XXXX  and XXXX  on their very manipulative strategy which is way more regulated on the Mortgage Industry for example.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: National Recovery Service, Inc.
State: AL

Complaint narrative:
The issue is that National Recovery Service ( NRS ), an agent of XXXX XXXX XXXX XXXX XXXX has made entries in my credit report stating that I have been more than 120 days delinquent in payments to XXXX in an attempt to XXXX me into payment when both XXXX and NRS are aware that the billing is in dispute. This has been going on for a couple of years at this point and somewhere around {$5000.00} is in contention. XXXX is fraudulently inflating their billing by XXXX XXXX  and are expecting me to pay a portion calculated from their fraudulent fictitious number. Over this time I have sent four letters to XXXX  and another four letters to NRS expressing my concerns. Neither have responded to my letters and simply keep marching on as if I hadnt raised the issues I have. I pay all my bills on time, all the time, with the exception of MW and they report to my credit report that Im some sort of a dead beat. They cover up a fraud with the commission of yet another fraud.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I have been denied services and have been placed on a denied service list.Although I was a XXXX XXXX member and used services for years without incident. Today I could not receive funds. XX/XX/2021 I believe this is XXXX Profiling by western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2020 we were approved for a 30 year fixed mortgage with Wells Fargo to purchase a home in XXXX, Wyoming. Well Fargo told us that if we opened a NEW checking account AND funded it with {>= $1,000,000} we would get an .5 % interest rate discount ( 2.375 % instead of 2.875 % ). 

Based on this agreement and Well 's specific instructions, we opened a new Wells checking account and funded it with $ XXXX on XX/XX/XXXX which was 7 business days BEFORE our scheduled closing on XX/XX/2020. 

Between the time the $ XXXX was deposited ( XX/XX/XXXX ) and the expiration of escrow ( XX/XX/XXXX ) Wells failed to produce closing documents with the lower rate ( 2.375 % ). On the final day before the sales contract was to expire Wells Fargo indicated that they could not produce the closing documents with the lower rate ( due to admitted internal delays ) but that they could produce the documents at the higher rate instead.

At this point we had essentially no choice other than to lose the house or to close the loan at the higher rate.

We filed an official complain with Wells Fargo which resulted in Wells ADMITTING they failed to perform in a timely manner but refusing to re-price the loan in accordance with the original agreement.

In my opinion, this is an example of Wells Fargo bait-n-switch. ie : Dangling a lower interest rate in exchange for opening a new checking account ( key performance indicator for Wells ) but then failing to make good on the agreement. This behavior is highly similar to the recent fraudulent behavior Wells Fargo for which Wells has been penalized by the SEC.

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 2021-01-23 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: TX

Complaint narrative:
I've sent multiple dispute letters to Transunion, XXXX, and XXXX and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).

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 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The problem I'm having is this keeps showing up on my report. I don't remember the agency I payed off, it's been a long time. This contract seems to have been passed around like a football and I'm being harassed behind it. Midland credit management has put 3 negative remarks on my credit report 3 times last year that I know of right now. If I go back to earlier this year I'm sure I can pull some more remarks. These remarks are all in the same amounts of monies due. From what I under, a company can only do this once.why are they doing this. It's almost like their desperately looking to sabotage my credit by putting multiple negative reports on my credit report, for the one contract they claim to legitimately have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: VA

Complaint narrative:
Back on XXXX XXXX, XXXX I was informed by a mortgage lender that Flagship Credit was still showing a balance of {$10000.00} on a XXXX XXXX XXXX which was showing open on my credit report. I had surrendered the truck to them in XXXX and was informed to take my tags off which I did. On XXXX, XXXX I called Flagship Credit and I talked to a gentleman named XXXX ( which he never gave his last name ) about the truck loan. XXXX said that I have an unpaid balance of {$10000.00} but he could drop it down to {$7000.00} or as low as {$3500.00}. I asked how did you come up with those amounts. I asked if he could mail me proof of balance owed and to let me talk it over with my wife and I call him back. I later that day called back and spoke with another gentleman ( this never gave his first or last name ). He informed me that the loan would have to be paid off in 24 months at which he denied to except my {$50.00} a month payments. I then asked to speak back with XXXX and this gentleman said XXXX was at lunch but he would have him to call me back which he never has. I asked if he had my number and he replied its on the caller id. With no response I then emailed them on their website with this matter twice and still no response. I've since tried to access my account on XXXX XXXX which now says account is closed and log on is disabled.

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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SoFi Mortgage, LLC
State: TX

Complaint narrative:
I closed on a refinance with SoFi in XX/XX/2020. As part of the refinance, I prepaid a total of {$6400.00} for taxes for 2020, which was to be escrowed until taxes were due, and in turn paid. 

I have come to find out that I am entering delinquency for property and municipal district taxes, and only the taxes to the school district have been paid. 

I have made multiple attempts to resolve with SoFi, to no avail. 

I get a different response from each person I speak to - ranging from being told that I am responsible for 2020 taxes and no one being able to answer where the taxes I prepaid went to, to being told to contact my SoFi loan officer, who is completely unresponsive at this point.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There seems to be an ongoing issue with obtaining my credit report through " XXXX '' where Its not allowing me to pull my own credit, this issue been going on for awhile and I even sent in the required to the pulling company and also tried on their actual website which it keeps telling I have no credit on file or any accounts thats listed which is a lie.

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 2021-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: CO

Complaint narrative:
I received a letter from Dynamic Recovery Solutions stating that I owe them a debt of {$2200.00} and that I had 3 options for resolving this debt. They are stating that if I do not resolve this now I will not have another chance. However, I have no debt related to the company that they are stating and there is no association with me and this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
These accounts are currently in litigation and should not be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Accounts is in litigation and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Back in XX/XX/2020, I spoke with a supervisor from Transunion. The supervisor stated they would send out disputes to those 12 companies that pulled my credit report stating that I didnt authorize them to do so. Transunion reps have told me the companies never responded back to them. By law these inquires are suppose to be deleted. Transunion refuses to delete these inquiries after stating that the companies never responded to 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 2021-01-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY remove it this is correct : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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