vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am an authorized user on a Credit Card issued by " XXXX XXXX  '' I disputed an effort on my credit report. I disputed the fact that the credit card limit changed. I disputed this because it affected my credit but not my husband 's. 

Now trans union has removed the entire account. Dropping my score by 174 points. I am about to close on a house but I'll lose.my home if I don't get this fixed. 

XXXX is refusing to contact transunion and transunion is refusing to contact chase. Transunion says it can be fixed if chase will contact them. XXXX says it's permanent. 

I'm not sure how this is in compliance with the Fair Credit Report Act.

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 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
I sent this company 2 letters and they have never sent me anything! This is a violation of the FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Nelnet took over my loans in 2015 @ a locked in rate of 4 %. To date, I have made over XXXX in payments and only XXXX has been applied to the principle and XXXX in interest. I have asked for a payment schedule and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high XXXX 's. 
Thank You Kindly!

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 2021-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
In XX/XX/2017 I had just bought a house and was down on money for renovations, I was contacted by this company XXXX  and pre approved for a personal load of XXXX. I took out the loan and made about 6-8 payments of {$550.00}, I lost my job missed some payments and they put me in collections and then charged it off. sold it to another company named absolute resolutions who reports on my credit and now i can not get approved for anything nor can i pay off the amount please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc the inaccurate accounts caused the FTC and FCRA violations see attachments XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. {$330.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This dispute is past the expiration date to report to credit agencies. Monterey Collection keeps extending the expiration date which should be against the law. They exercise illegal practices and ruining credit unlawfully is one of them. 

On XX/XX/2014 Purchased an airbrush from XXXX for {$350.00} on a trial basis. 
Sometime after that, I found an identical item online for {$30.00} and purchased it. 
On XX/XX/2014 I emailed XXXX  to cancel the trial purchase. 
On XX/XX/2014 XXXX emailed me to agree to take the item back. 
On XX/XX/2014 XXXX  emailed me to inform me that the trial purchase time ended on XX/XX/2014. 
On XX/XX/2014 I emailed XXXX to remind them I contacted them prior to XX/XX/2014 to cancel the purchase. 

Monterey Collections, acting on behalf of XXXX, has ruined my credit by extending the years allowed to report a debt issue. 
To date, seven years later, they are still ruining my credit over this dispute. I want them to remove the negative credit report since it has been seven years and I still maintain that I canceled the purchase and wanted to return the item which is in the original package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1-  I made a {$1000.00} payment on XXXX and told the rep do to my XXXX  this payment is for XXXX and XXXX So XXXX comes citi keep hurass me by constantly Collings me I call back They failed to apply the {$1000.00} payment for XXXX Charged me late fee Made my account as delinquent Why Citi is a crock cheat fraud ripoff bank I will fight you and wont let you getaway Wake up 45 is gone Ripoff errs is over

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In XXXX, a storm brought a tree down on my home landline, so I decided to go with XXXX XXXX XXXX for my home phone service. I called to set up the service, but no one came out to connect the landline. The service was never established, but I received a bill in the mail. I called XXXX XXXX XXXX to cancel the service. The representative said that there would be no charge, but every year I receive a collection letter from a different agency attempting to collect money for services that were never established. I have spent several hours on the phone trying to get someone from XXXX XXXX XXXX to address these charges. There is no evidence of phone service at my home, nor any calls or data records for phone service. Every time I dispute the charges, they go to another collection agency. This has been going on for years. Now XXXX XXXX XXXX is telling me that the bill is too old for them to review the details. Account # XXXX. A charge for {$97.00} in now on my credit report. I disputed the charges with IC System and received a letter that stated that it was a legitimate claim, but no one at XXXX XXXX XXXX can provide me with any information regarding these 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 explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am an authorized user on a Credit Card issued by " Chase bank '' I disputed an effort on my credit report. I disputed the fact that the credit card limit changed. I disputed this because it affected my credit but not my husband 's. 

Now XXXX XXXX has removed the entire account. Dropping my score by 174 points. I am about to close on a house but I'll lose.my home if I don't get this fixed. 

Chase is refusing to contact XXXX and XXXX  is refusing to contact chase. XXXX  says it can be fixed if chase will contact them. Chase says it's permanent. 

I'm not sure how this is in compliance with the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!

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 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
ON XX/XX/2021, THERE WERE MULTIPLE FRAUDULENT ACTIVITEIS ON MY CASH APP ACCOUNT THAT WERE NOT MADE OR AUTHORIZED BY ME.BY A XXXX XXXX FOR {$5.00}, A XXXX XXXX {$5.00}, XXXX XXXX {$3.00}. ALSO ON XXXX XXXXXXXX XXXX XXXX FOR {$6.00}. I HAD NEVER DONE TRANSACTIONS WITH HTESE INDIVIDUALS OR HAVE EVER MET THEM. DURING THIS TIME I WAS HOME AND HAD SENT MY DEVICE TO XXXX FOR REPAIR BUT THIS DEVICE IS PASSWORD PROTECTED. I CONTACTED CASH APP/SQUARE CASH INC INFORMING THEM OF THE ISSUE AND PROVIDED WHATEVER THEY REQUESTED AND ASKED FOR MY CASH APP CARD TO BE CLOSED AND A NEW ONE SENT TO ME. I ALSO PROVIDED EVERY INFORMATION THAT WAS ASKED BY THEM TO PROVE THESE TRANSACTIONS WERE NOT MADE BY ME AND THEY STILL REFUSED TO RESOLVE THE PROBLEM AND DECLINED REFUNDING MY MONEY OR PROVIDING ME WITH A NEW CARD. I HAVE CHANGED MY PIN SEVERAL TIMES AND ALWAYS MADE SURE MY ACCOUNT WAS SECURED. CASH SQUARE HAS NOT FOLLOWED CONSUMER PROTECTION GUIDELINES AS A COMPANY. THEY HAVE FAILED TO PROVIDE PROTECTION AND RUN THEIR BUSINESS AS THEY SHOULD. I KEEP GETTING MONEY TAKEN OUT OF MY CARD AND BANK ACCOUNTS AND I HAVE NO IDEA HOW TO STOP IT AND THEY STILL REFUSE TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
I added a security freeze on nexis Lexis on XX/XX/2020 and it's still not complete or done it's been past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: MN

Complaint narrative:
On XX/XX/2021 I was notified by my mother that she had received a call from a man named XXXX XXXX from a CSR and associates. The man she spoke with claimed that he was trying to contact me regarding an old payday loan debt from a company called XXXX XXXX XXXX. During the conversation this man told my mother he was preparing to take legal action towards me regarding this debt and that they would be filing it as a felony case, implying to my mother that I would be arrested and imprisoned for failure to pay the debt. After speaking with my mother regarding the call I attempted to contacted Mr. XXXX at XXXX. The phone was answered by a woman who did not state what, if any, organization I had contacted. I hung up the phone but was immediately contacted by Mr. XXXX. Mr. XXXX stated that he would be filing a law suit against me in XXXX court on XX/XX/2021 unless I could work with him to immediately pay the " debt ''. When I requested verification of the debt Mr. XXXX stated he would email it to me. When I stated that I would want a physical copy of the verification Mr. XXXX stated " We're not going to do that '', at which point I ended that call. I don't believe this is a legitimate attempt to collect a debt, however if it is a legitimate attempt then I am deeply upset by the fact that this company provided information regarding my case to my mother, an unauthorized third party. Any information regarding the validity of this matter would be greatly appreciated

Company response to consumer: Untimely response
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
For the Past 4 years I have been trying to resolve a credit reporting issue with " Freedom Mortgage '' Freedom Mortgage has inaccurately evaluated my credit score and has reported 3 consecutive late payments from XXXX 2017, however that was not the case an i did in-fact pay these payments as well as every other payment before and after this time. 

Freedom mortgage made multiple mistakes on there behalf which they continue to deny and as a result i have recieved negative remarks to my credit, Freedom Mortgage 's company structure is so compartmentalized that it is impossible to speak with a representative that can fully understand/oversee the problem, making a complex issue like mine impossible to resolve because it requires knowledge from different departments.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high 700 's. 
Thank You Kindly!

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 2021-02-15 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: Aldous & Associates, PLLC
State: NH

Complaint narrative:
This is my second complaint with Aldous & Associates. After my first complaint they have now blocked my number from calling them. I had to call from a different number for them to answer. The first agreement I had with them was pay for deletion. After they received my full payment they completely disregarded the agreement and stated they did not have the power to remove the account from my report. I called again from a different number after the first complaint, and the person I talked to told me they do have the power to remove an account from a credit report. They put me hold to talk to a supervisor and the supervisor never answered. They left me on hold, and then hung up the phone again. I had to call again from another number and they then told me the supervisor was in a meeting. This company pathologically lies and they are extremely rude. They never answer questions directly and constantly deflect all questions. They lie, harass, and make false promises to collect a debt. Once they receive a debt, they completely disregard you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. COMENITYCAPITAL/XXXX, XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: AES/PHEAA
State: DC

Complaint narrative:
Federal Loan Servicing reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with Federal Loan Servicing and XXXX, and XXXX. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days

Company response to consumer: Closed with explanation