vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: Titanium Funds
State: UT

Complaint narrative:
Titanium Funds account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: NC

Complaint narrative:
I have an open case and I was disputing collection debt that was already paid by my lawyer. I went to speak with my lawyer and he said the same day I was sent to collections the law firm sent the payment. They literally crossed each other at the same time but I was told by my lawyer XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I was told they took care of all my medical bills and this is true and we have already contacted the company and my original complaint id with cfpb is XXXX The reason for this new complaint is that they sent me to collections AGAIN for a {$64.00} debt THAT WAS PAID FOR ALREADY!! Please help me they are ruining my credit I was above an XXXX score and these two collection debts have destroyed me and I am in process of looking to purchase a home. PLEASE HELP ME!! I was a victim in a car accident and now I am being victimized again and it is not fair considering they were paid in FULL. My lawyer sent a check for {$330.00} which covered several different charges two of which I was sent to collections over and probably have more that they will send to collections if this isnt handled but the {$330.00} covered all of my bills!! I will attach proof in documents as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.

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 2019-05-16 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: AFNI INC.
State: GA

Complaint narrative:
A letter of dispute was sent to AFNI, INC on XX/XX/2019 in response to a letter sent from them that I owe {$400.00}. I gave a formal dispute and have not received any reply from the company. I do not owe this company anything and have never conducted business with them. They have since added a collection account to my credit report on XX/XX/2019 which I've never granted them access to. I would like them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
You have 1 account in Collections Account Name Original Creditor Open Date Balance Debt Contact Information SECOND ROUND LP XXXX XXXX XXXX XX/XX/2017 {$600.00} {$600.00} XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX This account has repeatedly shown up on my credit report even after proof has been provided that it's not mine. I have no luck with communication with this company and no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander Consumer USA / join in on the class action lawsuit. 

In 2013 i purchased a car through XXXX and they provided me with santander consumer, i knew nothing to be wrong with this bank besides the facts that my car loan came up to be {$20000.00} and in 2 years i paid off {$7000.00}, but within my 3rd year its like i could never get under that {$13000.00} mark and i was trying to figure out why, just couldn't figure it out, until now recently i just found out that they just had a loan suit against them about the same thing i went through, they also repoe 'd my car and left me stranded at the movie theater and if this was unlawful i would love to atleast get my credit back to a good standing so i can get another car cause now that is all they see is a repo. i was just curious about what i need to go through to join this action? 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX , NC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Covington Capital Corporation
State: UT

Complaint narrative:
Corvington Capital account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: ND

Complaint narrative:
I have tried multiple times to get a hold of the servicer by phone and email. The phone numbers are disconnected and the website says " you are not authorized to perform this function '' when trying to log into the home page XXXX XXXX XXXX I attached the information I could find on the phone numbers, one of them actually leads somewhere but it's to a company called " XXXX  '' loans or something. 

Payments have continued to hit my checking account monthly on the 22nd of the month as they always did under XXXX. 

I have no idea what the remaining balance is on them, how to pay off early, etc. 

Very similar to the other complaints I found online for this company ... Which I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.

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 2019-05-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I have been negotiating with Fay Servicing since XXXX of 2019, they informed me that the property has been appraised for $ XXXX and made my client get insurance on the property in order to get this short sale approved. They informed me 3 weeks prior to the sale date that the investor wanted an offer of $ XXXX and I emailed my client right away asking them if they were willing. They agreed, and soon after I spoke back to the agent managing this deal, he raised the price from XXXX and asked " how bad does your buyer want it? '' to now netting $ XXXX, so the offer would have to be around $ XXXX. This was not reasonable for the appraisal on this property came back as $ XXXX. They would not give me the name of the investor, this is the third time a short sale has gone through the whole entire process, only to be shut down at the very last minute because the agents aren't truthful about the numbers. I do not believe they are communicating with the investor because traditionally in a short sale an offer for fair market value is acceptable. I have recording and proof that my clients have been misguided and bullied into letting their properties go into foreclosure, when all they want to do is avoid auction. Very poor management communication, the managers would never call back or reply to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CA

Complaint narrative:
I am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit

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 2019-05-16 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: CA

Complaint narrative:
I am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following fraudulent addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX. My current and only address is please delete all other variations. I am no longer affiliated with the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH   XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE TO GET THIS RESOLVE BEFORE I CLOSE ON MY HOME!!

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.

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 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: OR

Complaint narrative:
I took out a {$300.00} dollar loan in XX/XX/XXXX. I did not know at the Time that I was going to have to pay back more than {$1000.00} on this loan. I also did not get the information that I would have to pay {$58.00} every 2 weeks until after the loan was processed. I can pay this I never would have done this is I would have known my payments were so much. 
This company also has harrassed me continually with emails phone calls and text messages with offers for more loans. I have asked them several times to stop this yet it continues every single day. They also shared my information with other company 's so I now get there communications every day. This company is very predatory and it did not provide me with full disclosure when I got my loan. They should be penalized for the way they act and for the continuing text, calls and emails I am still getting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Somehow, my credit card was used at a Furniture store for {$600.00}. The merchant gave a letterhead invoice stating that the purchase was mysterious and he says that the bank can refund the money. However, Bank of America is denying the claim still.

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 2019-05-16 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: IL

Complaint narrative:
Transunion Credit bureau has not removed an incorrect item from XXXX XXXX XXXX on my credit report. The other two credit bureau did a investigation and found the reporting in my favor and removed the item. But Transunion found it to be accurate. Why has the other two credit bureau removed this item from my credit report an not Transunion. It only took Transunion only a couple of days to come to this conclusion? Did they actually do an investigation in three 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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I've called Synchrony numerous times, regarding a credit inquiry on my XXXX credit report, XX/XX/2018, regarding XXXX XXXX XXXX. I then asked under fair consumer law section 604, please provide me information of my signature consent to have my credit looked into. Wheres the application with signature? 

I was made aware that SYNCB has no contract with this company, and such application exists from me. This info was made clear on a recorded conversation that they recorded and so did I. 
I asked for it to be removed this inquiry is false, they would not comply nor provide the accurate documentation proven that I agreed to this inquiry. I wish this to be removed right away.

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 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )

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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX of XXXX I took a rent check in the amount of {$4000.00} to my renters bank ( Bank of America in XXXX. XXXX, XXXX XXXX, Washington ). The renter had been given notice to Pay or Vacate and was going to be evicted. The teller cashed the check and gave me {$4000.00} cash. Done deal - cash in hand. This allowed my tenant to stay and evade eviction at that time. 
On XX/XX/XXXX, after almost FIVE months, without my permission and without any notice, BOA took everything from my personal checking account, ( {$3700.00} ). I was even charged a monthly service fee because my balance dropped below {$1000.00}. 
If they had not cashed the check, my tenant would have been evicted in XXXX, but I had to begin the eviction process again and he was evicted in XX/XX/XXXX. 
I could have dealt with this if BOA had notified me in a reasonable amount of time, but I can do NOTHING after 5 months. At this late date, I have no way to get it back.

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 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
This company claims to be a Christian company but their tactics are abhorrent! Repeated abusive and hateful phone calls ( so many that I can't even count them ), foul language, name calling, threatening to cost you your job by contacting your employer and telling them you're a thief. When you ask who you owe and what it's for they claim they don't need to give you that information they just want you to pay them immediately. They threaten legal action, threaten to make you lose your home. They are just shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX XXXX XXXX as I was being treated for XXXX  XXXX XXXX. 
The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. 
I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. 
I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. 
The total amount is : {$2400.00}

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have tried contacting Transunion and all of the places listed on my report to get the hard inquires removed. I am aware that there was a server breach during these dates and the hard inquires were removed for a time and then put back on. I also am aware under section 6-11of the fair credit reporting act that the consumer is required to be notified within 5 days and I was not. The following hard inquires continue to remain on my credit report : XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXXXXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX

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