vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: CA

Complaint narrative:
I have contacted Transunion for verification of the account : XXXX  # XXXX. They have reported that upon their conclusion of their investigation that the account is being reported accurately on my credit file. They are reporting that this account was included in bankruptcy that they are not reporting on my credit file. They are reporting that this account was closed XX/XX/XXXX. They also are not reporting a balance on this account and lastly that last payment was made XX/XX/XXXX. All these items are reporting inaccurately. 

I contacted XXXX  for verification documents in which they returned a letter first addressed to XXXX XXXX which I believe is the name of their account but not my legal name or the name being reported by Transunion on my credit file. My name being reported on my credit file is ; XXXX XXXX XXXX. 

The letter also states that : Dear XXXX, We can confirm our records indicate a balance of {$6100.00} as of XX/XX/XXXX. 

The name states XXXX XXXX ( that's inaccurate ) they sent to correct address because of my request using my current address. There is a full account number on the letter : XXXX which Transunion reports as : XXXX which the last four numbers can be what? 
They also indicate they are reporting a balance of {$6100.00} which Transunion is reporting nothing.

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an Amazon store credit card wit Synchrony bank and I had the feature of auto pay active. I always received notification of the payment posted and nothing else. My balance was of {$950.00} as of XX/XX/2021 and no late payments to my knowledge. Without prior notifications or calls I received an alert on XXXX  XXXX  that my credit dropped 55 points due to closure of my Amazon store card. I called the bank and they refused to help even after I paid the balance in full, the account is currently closed and still affecting my credit. My current position in the XXXX requires a security clearance and good credit, I'm in danger of losing both.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

Equifax - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX  with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX  XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX  XXXX  XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open Experian - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly  and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-27 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax, XXXX  and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
We need the payoff. 
We have been calling since XX/XX/XXXX to obtain a payoff to payoff the 2nd loan # XXXX We received the payoff from them for the 1st and paid that off already. 

Payoff request emailed XX/XX/XXXX Payoff request emailed XX/XX/XXXX Talked to XXXX  they said we should have payoff by XX/XX/XXXX called XXXX  on XXXX spooke to XXXX she said i would have the payoff in 5-7 business days. 

called and spoke to XXXX after 30 minutes got disconnected. 

called back spoke to XXXX asked for manager in escalation about payoff after 35 minutes got disconnected.

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 2021-01-27 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:
XXXX XXXX illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.

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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I am submitting a compliant in reference to this company XXXX XXXX  Corporate Guest Relations XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX and to the collection agency Consumer XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof of the purchasing agreement? Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2.XX/XX/XXXXXXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2021-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient offered me an income repayment plan. But refuse to accept my application without my spouses signature, although my spouse is has never been on the loan. We file jointly, but my spouse is on Social Security and retired. I feel if my spouse signs anything that Navient will make my spouse responsible for the loan. Also mine is not a student loan but a parent plus loan originally. And my spouse has never signed anything for this and has no part in this loan. I have been trying to work with Navient on an income repayment plan since XX/XX/2020. In XX/XX/2020 I filled out an application and submitted my income proof, and was told that my spouse would not have to provide anything. Due to the FACT my spouse has nothing to do with this loan. 
But now they want him to sign the application also after I was told in XXXX by a Navient representative that my spouse did not have to sign or submit anything. Obviously they changed their story, or policy. Navient also calls me more than 3 times in a 24 hour day and leaves no message. They are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: CT

Complaint narrative:
I received a debt collection notice regarding a bank I do not have an account with XXXX XXXX  ), I believe this is a fraudulent mailing- dated XXXX XXXX from ERC XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NE

Complaint narrative:
XXXX, Transunion and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP

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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm Levy & Associates. 

Due to the fact that their client, XXXX XXXX XXXX actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during Discovery ( attached ). 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did XXXX XXXX XXXX pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS . 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a 36 month lease for a XXXX  XXXX XXXX XXXX through Ally Bank. 
At the end of the lease term, they came out and checked out the car for damage, mileage etc. In the end they sent me a bill for {$1900.00}. I agreed with {$850.00} of the charges and disputed the difference. This dispute took several months to resolve but in the end they agreed with me and my back up that was sent to them They were trying to charge me for color paint mismatch. I took my car after an accident to a XXXX authorized auto body to make sure I would not run into this type of issue. It was not my fault if their auto body messed up on paint matching. For the record- your could not tell there was any mismatch but that is besides the point. When they finally agreed with me, they sent me an invoice for the {$850.00} and I paid right when I received it. Since this incident I have been trying to secure credit on a rental property when my broker noticed that my credit score went down more than 100 points. I could not believe it. He advised me that it had to do with Ally Bank. They sent a derogatory report to the credit bureaus calling the reduction of the invoice a charge off. This situation is not due to a charge off. I filed a dispute with Ally Bank on XX/XX/XXXX and the situation has yet to be resolved. My interest rate if I should want to secure this loan now has increased by over 1.5 % which is astronomical. I would like to get this resolved ASAP but after calling over ten times nothing has moved or changed regarding my credit. I need help.

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 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
TransferWise heavily markets a debit card that allows customers to access their account balances. For the issuance and shipment, they charge customers {$9.00} per card.

One of the payment options for the debit card issuance is a personal credit card. TransferWise, however, does not disclose that it sends the transaction to the credit card issuer as a " wire transfer '' or a cash advance, and therefore it incurs a cash advance fee, cash advance balance, and interest payments from many banks on what is a fee / service paid to TransferWise.

The company says it has no control over how credit card issuers process the transaction, which means that they are knowingly miscategorizing transactions that could incur potential fees for customers.

Transferwise also creates a burden for the consumer and the bank to fix the issue with ( i.e. TransferWise told me to ask the bank for a refund ), rather than fixing on their end a clear miscategorization of transactions with individual XXXX XXXX

Company response to consumer: Closed with explanation