vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax fails when I try to login to my account to temporarily lift a credit report freeze. 
I have had an account with them as well as with the other credit report services for several years. On Equifax I enter my correct username and password and I get : " We are temporarily unable to complete this request. '' Today I finally called Equifax, wasted almost an hour on hold and talking to an agent. I described my problem to him. He claimed he would try to fix the problem, gave me a new password, which made no difference. He then said I should try online later, but said NOTHING about their system being down. Later, I found out on a site other than the Equifax web site that : " By our records, Equifaxs system has been down since mid-XXXX XXXX " The Equifax agent should have said something instead of wasting my time. 
I should have been able to lift the Equifax freeze online as I did with XXXX  and XXXX, wasting little time. 
The Equifax agent did lift the freeze on the phone, but Equifax customer service is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
I got a notification through my credit reports that I have a collection item on my credit reports. I have not received any notices, calls, or anything from ERC but a negative item on my report. When I called to get more information, the agent was attempting to get my pay schedule and not listening to the fact that I do have rights to be notified before you just impact my credit. She was not listening and therefore I ended the call. The amount is {$750.00} for a XXXX final phone bill. I have no collections on my credit report and this brought my score down by 83 pts, while I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. 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 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of LVNV Funding/ XXXX XXXX XXXX XXXX XXXX XXXX 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX 

Neither one of these collection agencies has ever contacted me to verify any debt, yet LVNV Funding LLC, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

LVNV Funding LLC has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, LVNV Funding LLC will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe LVNV Funding LLC/XXXX XXXX XXXX, XXXX anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and LVNV Funding LLC, they fraudulently and falsely continued to slander my credit, and LVNV Funding LLC, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , to cease and desist from ever contacting me again. 

On the credit file, they also list Resurgent Capital Services as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and LVNV Funding LLC, and Resurgent Capital like to play a game that neither one or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX/ Resurgent Capital Services, can contact the Consumer Financial Protection Bureau , and the Consumer Financial Protection Bureau can contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I being receiving excessive amount calls throughout the day. They also reported to XXXX  as a collection affecting my credit score. I wrote them a letter asking for Debt Verification with no answers. I also tried to obtained more information about my debt and make sure they were charge the right person since the amount charged its super high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: PNC Bank N.A.
State: PA

Complaint narrative:
I filed a dispute for money that was taken out of my account when I was XXXX and provided proof that I was XXXX and the bank keeps denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am in complete disbelief to even be filing this complaint I opened up a joint account with Hyundai motor finance and trusted them as a premium lender for financing purposes my car was in a collision and my insurance company completely paid off the car prior to that all payments were successfully made I recently spoke to a manager who informed me that when my XXXX payment was made for {$600.00} Instead of Hyundai motor finance applying the payment to my account they applied a {$570.00} payment of the {$600.00} I sent them for a payment to something other than my account for a outstanding balance in which I have no knowledge of and then posted {$28.00} to my payment for XXXX Im completely lost as to why they would do that if I gave you {$600.00} to post the payment you do not have the legal right to post it elsewhere. As a young college XXXX  I have been negatively affect and impacted by this Hyundai motor finance has brought my credit score down by 50 points. On my XXXX XXXX credit report they are showing a balance of {$15000.00} and a missed payment for XX/XX/2020 On my XXXX   credit report They are showing the balance of {$14000.00} with the payment missed in may This is complete and inaccurate information this is a form of deformation of character and intentional infliction of emotional distress and I am in tears typing this. Hyundai motor finance is in direct opposition of following the fair credit reporting act that states all information provided to the credit bureaus must be 100 % accurate and in this case it is not. Hyundai motor finance Has caused me great emotional and mental harm and I am currently suffering from the psychological defects of the unprofessional negligent Demoralizing behavior in which I have been treated. There are tons of car companies to choose from and I put my trust and support in Hyundai financing hands and this is how they treated 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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As previously notified I am a victim of identity theft, please see all attached information again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Explained there is no debt from 2016. Called company debt was supposedly owed to. company has no record of outstanding debt. Said to ignore phone calls from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Noticed incorrect information on my credit report from Merchants Credit Guide. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with Merchant Credit Guide regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: TX

Complaint narrative:
On 2020 around XXXX, I find out that I had a big problem about my credit score ( delinquency ), Then I found out that my discover credit card company file a debt collect on me. I never used this card, and also I never received any new Credit Card from the company. After this case happened I try to reach out with debt Collector and the discover bank, try to solve the problem. but both company make me calling around and not even try to solve my problem. that makes my credit score drop  everyday. The amount that i find out around {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was in a car accident and I had my car loan through Ally Financial. The vehicle is a total loss being paid by the insurance and I called Ally on XX/XX/2020 to get the payment date of XX/XX/2020 moved to the end of the month so the insurance could take care of everything. I even recorded to call. I was told that the payment would be moved but that I also had a 15 day grace period in addition to that. Then I get a notice that I am past due. I look today and I am 16 days past due and there are lat efees on the account. I call and the first person just mumbled into the phone and hung up. I got on chat and called back simultaneously. I was told on chat that she found a record of me calling to move the payment but told me it never got processed so I was pretty much out of luck. THe collection person XXXX XXXX or something that I talked to on the phone barely spoke English and I asked her to spell her last name like 5 times and still couldn't understand her. She basically told me the same thing. That it never got processed so I had to make the payment. I asked for a supervisor and she claimed one was not available. I asked multiple times and she refused to offer me a manager. Said she was working remotely and no supervisor is available. I had to make a {$350.00} payment today, knowing that the insurance is paying off the loan and that my payment was supposed to be postponed until the end of the month, which would have given me an additional 15 day grace period into the XXXX of XXXX to have the insurance thing done since the car was a total loss. I was in a severe car accident and this stupid company told me that the payment would be moved and now I am having to make an extra payment that I shouldn't because someone did not do their job on the 3rd. I already had to buy a new car and I was told that this was taken care of.

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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
I received a phone call from my bank tell me there was a certified letter from an attorney 's office tell me they were putting a hold on my account. The hold was due to a payday loan company for a past due balance that I didn't pay. They gave me the attorney 's phone number telling me and extension telling me if I didn't arrange payment that they would put a lien on my bank account. 

The amount they told be to pay was {$1700.00}. I immediately transferred {$1700.00} to my checking account to cover the amount of this debt. 

When I called the bank to ask them about the hold my account they didn't show that I had a hold on my account. 

Now I am beginning to wonder if this was a bogus claim. I do show the letter from the company showing I paid the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Receiving several calls a day from this company. I asked to verified the which they have ignored with no response. If they can verify the debt I'll be more than happy to pay the amount owed to them otherwise they need to spot calling me and delete their information from my credit report.

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 2020-09-21 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: TX

Complaint narrative:
This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. 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 2020-09-21 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:
This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OZK
State: AL

Complaint narrative:
My Mother passed awayXX/XX/2020. We went to a financial planner. ALL AFFAIRS WERE IN ORDER. We had XXXX 's, Were listed as joint on all accounts, and yet they refused to release any of the funds because they are waiting on their home office in Arkansas to approve the release of the $ XXXX in funds. We made appointments, traveled hundreds of miles, lost time on our jobs, all to no avail on XX/XX/2020.Our appointment was made 8 days prior to the appointment.XX/XX/2020. When we got there, nothing had been done, were told we would be notified today of any approval and and be overnighted checks. We began calling at XXXXXXXX today. No calls returned. The website for this outfit do not list an operations center or bank president. We are pulling at straws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt Collection Letter was sent by a collection agency for an unpaid credit card balance with a charge-off date XX/XX/2013 and they are continuously sending mail in order to attempt to collect on that balance. This unpaid balance was not brought up to our attention until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore Loan Management Services, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank XXXX in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : Bk:XXXX His Name is XXXX XXXX XXXX I contacted Rushmore and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I initiated a wire transfer from my Citibank online account. The transfer supposed to withdraw funds from an external account and deposited into my Citibank account. Citibank took the funds from my external account, however, rejected the deposit. Now {$15000.00} have left my account and Citibank did not posted in my account. Citibank claims to have sent the money back to my account but the other bank can't see it. I have called several times and no one seems to help. By the way, you should look at Citibank USA XXXX account and see several complaints from other customers just like mine.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

US Bankruptcy CourtMiami XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX Case or ID # XXXX Disposition DISMISSED Bankruptcy Filed Date Filed XX/XX/2014 I have contacted the court and verified they do not provide any information to the credit bureaus. It is the credit bureaus responsibility to DIRECTLY verify this information. This has not taken place. Verification by XXXX is not appropriate.

Company response to consumer: Closed with explanation