vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adj Co has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but XXXX continues to claim the validity of the debt without providing the DOFD. This give the erroneous impression that I have recently and knowingly defaulted on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As per my CFPB # XXXX complaint, XXXX XXXXXXXX XXXX was deleted and removed from my XXXX consumer report for violating my federally protected rights, but still appears on my Experian and XXXX consumer 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 non-monetary relief
Consumer complaint received 2022-07-16 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: FL

Complaint narrative:
The company name is XXXX XXXX XXXX ( XXXX ). 
I applied and reseved a loan on XX/XX/XXXX. I paid the full amount loan due {$900.00} on XX/XX/XXXX. They are reporting to Transunion and XXXX credit services that the account was not closed until XX/XX/XXXX 120 days late ( XXXX ) and XX/XX/XXXX 180 days late ( XXXX ). 
I tried to filed a complaint with XXXX on XX/XX/XXXX their website would not allow me to upload documents. After calling XXXX representative stated information was correct and only XXXX could change it. I have called XXXX numerous times to no avail.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received documentation that XXXX COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information TRANSUION received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 



Docket # XXXX XXXX COURT MARYLAND Bankruptcy court dont report to the credit bureau . PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose

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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Original Company : XXXX XXXX. 
The latest collection agency, which contacted us by email, instead of USPS, which we have requested numerous times be the only form of contact, is LVNV funding LLC. 

We cancelled our satellite and they refused to come get the dish. We could not remove it because my husband is XXXX. There was nothing in the contract that said when we terminated our subscription we had to go on the roof and remove the dish. 

They threatened to turn us into collections. We sent them a certified letter on XXXX/XXXX/16, which we have a copy of, asking for documents that we signed that said we were responsible for climbing onto the roof and retrieving the dish. To date, no one has ever provided this documentation. 

We have now been contacted by several debt collectors asking for money. Each time we respond in the appropriate amount of time, again, asking for documentation on the debt. We have never been sent any proof of debt. 

This harassment has been going on for years and each time we ask for proof they send our account to a different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
The company listed on statements and on my online account the loan was being paid as I paid extra payments and at the end they said I owed more money, it was not paid in full. They also sold me fraudulent unemployment insurance that I was never able to use after many attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not give them oral or written permission to furnish this information on my credit report. This has caused undue stress for me and my children with trying to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: GA

Complaint narrative:
Equifax is refusing to remove the following account from my credit file. According to Equifax, they can not verify my identity, which is clearly a stall tactic because the address on my file, is the same address they have used for communications with me. Also less than 60 days ago I provided Equifax with documentation of my address and identification documents. This account needs to be PERMANTELY DELETED ASAP. It is NOT my account and the company has already responded that they have sent a letter to the 3 credit bureaus requesting deletion from my credit file. The company responded 30+ days ago, yet Equifax is stalling to delete this frivolous incorrect information from my consumer credit file. Not only is this a blatant violation of my consumer rights, but it is damaging my financial reputation. 

Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: CO

Complaint narrative:
XX/XX/2022 an agreed payment of amount {$15.00} was due. I paid the payment and over the agreed amount. I paid {$20.00} XXXX XXXX, 2022. However, Launch Servcing is not recognizing the agreed payment has been met. They put my account in past due. The account was first reported past due XXXX XXXX, 2022. This should have never happened considering the payment was met XXXX XXXX, 2022. This misconduct is causing my credit report to show inaccurate harm to me. I need Launch Servcing to correct mistake.

They do not call me back. I have called several times and used the email option through the account website as recommened. Im getting ignored by XXXX the supervisor. They never answer my calls to help this situation. 

I have attached all the recoreded documents of this agreement and the response I have gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank offered {$300.00} after opening account with a {$5000.00} minimum. Money needs to be in account at least 90 Days. My deposit was made over 120 days ago and havent received the {$300.00} dollars. Ive called customer service three times in the last month about not receiving the {$300.00} with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J ROSS ASSOCIATES IN account # XXXX This is fraud according to the USC and particularly 15 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent This shouldn't even be reflected on my report and FCRA you have no right to collect Further more. My debit was paid for 3x over if you have possession of it please review consumer law and prove otherwise we can get into the power of taxes, my signature and ssn # Any action besides an elimination of this debt entirely will result in you being sent my fee schedule a {$1000.00} collection and a notice of court for harassment and adverse action

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery Systems has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) in the amount of {$280.00} without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but Nationwide Recovery Systems continues to claim the validity of the debt without providing the DOFD. This gives the erroneous impression that I have recently and knowingly defaulted on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: LEXISNEXIS
State: OH

Complaint narrative:
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I applied for a credit card to improve my credit score. The card was referred to me through XXXX XXXX. The credit card I applied for and was approved to get is Avant ( product of XXXX ). I was approved in XXXX of 2022, I haven't received the physical card as of yet. I communicated with there customer service a total of 7 times in reference to not receiving the card to no avail. I had two of three cards cancelled due to not receiving them. The third card was issued over 7 days ago and I haven't received it. I have been charged the {$39.00} annual fee without having the physical card. I XXXX   Avant credit for reviews and this seems to be a common issue of clients not receiving their Avant credit card. I just want my Avant credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like to seek your kind intervention as since 2017 I am struggling to open a checking account. Bank of America fraud dept had reported a scam cheque deposit on my account which never cleared nor cashed. And fraud team member without even any investigation went ahead and reported to XXXX XXXX. Since then I have been unable to have a decent checking account for my paycheck direct deposit. I have been keeping a prepaid debit card account so my paycheck could be deposited. I reported this on the past and was advised that Bank of America representative would be in touch. However I never heard from them. I also spoke to XXXX XXXX  and they advised that they dont see any fraud which had occurred and neither was there any financial loss reported. XXXX Bank of America have to just send XXXX a fax with my details and remove it off so I can open a checking account. I several times spoke to BOA on phone and also visited theirs branches here in XXXX XXXX and was informed that they would get it fixed and call me. This never happened. I seek your assistance once again as I am a flight attendant and due to my work ay times having a prepaid debit card causes inconvenience internationally when i require atm services and any financialasisstance. Also every year I go through a lot of issues when I have to write a cheque or cheque for my annual lease renewal and rent payments. 
I request your kind intervention at your earliest convincer and help me get this fixed. 

Sincerely XXXX XXXX Cell : ( 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
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I ordered a Cashier 's check over phone with USAA on Wednesday morning XX/XX/XXXX for {$15000.00} for a new car purchase. I had additionally paid the extra fee for 1-2 day expedited shipping The money was debited from my account that same morning Wed XX/XX/XXXX and I received an inbox notification of the Cashiers ' check transaction on XX/XX/XXXX. The inbox notification states " to request a tracking number or to obtain a copy of the authorization, please allow one business day, then log on to usaa.com, our mobile app or call us at XXXX. '' By Friday XX/XX/XXXX, I had not received any notice of a tracking number on the mobile app or USAA.com. I contacted USAA by phone Friday morning XX/XX/XXXX to request a tracking number for the check. I was told they have no tracking number and they did not have any record of the check, but they did not see any errors and that everything was fine and they will put a note on my account that I called. 

I contacted USAA by phone Friday evening XX/XX/XXXX. After almost an hour on the phone, I was provided the same information, there is no recored of a check, and they can not provide a tracking number, but I should get one by Saturday XX/XX/XXXX. 

Saturday XX/XX/XXXX, I have not received a tracking number. I call the XXXX number for the third time. Again, they can not provide a tracking number, there is no record of a check, and they dont ' even have a check number. I was placed on hold multiple times before being told I was being transferred to a manager. After being on hold for another XXXX mins waiting for a manager, the call was disconnected from their end. 

- XX/XX/XXXX {$15000.00} was debited from my account for Cashier 's check that was supposed to be shipped in 1-2 days business days and a tracking number would be provided per their disclosure. 
- As of XX/XX/XXXX, USAA can not provide a tracking number, they can not provide a check #, and they can not provide any record of a check being produced. 
- Based on USAA policy, a cashiers check can not be cancelled for 90 days. 
- So based on their own policy USAA is holding {$15000.00} of my money for 90 days that they have no record of. 
- {$15000.00} is missing from my bank account, and USAA has no record of it. I've contacted USAA support 4 times in two days, been provided no assistance, no answer, no resolution, and been disconnected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I submitted a dispute to XXXX via the XXXX XXXX website on XX/XX/XXXX, about missed payments on my XXXXSANTANDER account. 
I phoned Santandar on XX/XX/XXXX and asked the agent could you please remove the four missed payments that occurred in XXXX. The account is now paid in full and on time in line with the financial contract ; the agent placed me on hold and reverted back after some time speaking with the accounts department and kindly said they would remove the missed payments in XXXX as the account is paid off in full. I thanked the agent for being very understanding and thanked her for her time. 
I received the update from the XXXX investigation on XX/XX/XXXX, with no changes. 
In XXXX I submitted a complaint for the four missed payments that were reported in error when I set up a payment arrangement due to covid, which I completed and brought the account up to date. I don't understand why they can not be fair here and remove these missed payments when I was in full communication with the agent in XXXX ; this was not my error due to lack of communication. Also, as stated in my previous complaint, the agent said she made notes and assured me everything would be fine ; hence that was not the case, as I was punished with late payments on my credit file. Recordings are made during customer calls, which is why this is not fair as they should investigate ; however, nothing has been rectified, and the truth is not being brought forward. As a customer that followed through with my words to the financial institution, they are not being fair. 
It's very disappointing and discouraging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX  XXXXXXXX XXXX  XXXX OHXXXX XXXXXXXX XXXX XXXX OH,XXXX  My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation