vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I am having a problem with Transunion and XXXX  method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and XXXX says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and XXXX XX/XX/XXXX? 2. XXXX, date opened XX/XX/XXXX and XXXX  XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and XXXX XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX XXXX  XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX XXXX says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
XXXX. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than XXXX XXXX XXXX. 
2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had the same credit card for over 10 years with no annual membership fee. Now the credit card company snuck in a {$39.00} annual Membership fee without my knowledge. The fee did not appear on my statement but was hidden. I contacted the company and they can not fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
On XX/XX/2021, I submitted a complaint to the CFPB because I requested Experian to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to Experian to remove the dispute. Experian responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that Experian needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because Experian refuses to remove the dispute status on my request, it is 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 non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I had 2 bills ( XXXX XXXX XXXX XXXX XXXX XXXX ) for XXXX  XXXX. I made payments on the debt until the the balance was paid off. I received statements that the debt was paid in full. FIRST FEDERAL CREDIT, continues to insist that I still owe {$25.00} for to XXXX  XXXX, but has never called me, return my call or has sent me a bill to pay. The account number they are referencing is XXXX, however the 2 bills I paid in full are acct # XXXX & XXXX. In addition the amount they say I originally owed is {$640.00}, which is the amount that XXXX  XXXX has stated I paid in full. I have disputed this 3 times and each time the XXXX XXXX XXXX says that it is mine and has not had to provide proof. I have proof that both of the above accounts were paid in full and I would like this derogatory removed from my credit filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As of XX/XX/2021, XXXX XXXX XXXX XXXX is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in TransUnion, XXXX and XXXX respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. XXXX XXXX XXXX XXXX also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. XXXX XXXX XXXX XXXX also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by XXXX XXXX XXXX XXXX show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to XXXX XXXX XXXX XXXX REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and XXXX XXXX XXXX XXXX needs to be held accountable for this improper tactics.

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 2021-08-27 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: TN

Complaint narrative:
Iver been a victim of identity theft

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 2021-08-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Iver been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
I submitted a complaint ( XXXX ) in regards to AMERASSIST A/R SOLUTION on XX/XX/2021, the status of the complaint was updated and sent to the company on XX/XX/2021. It has now been an entire month and 6 days and I still haven't got a response from the company. However, AMERASSIST A/R SOLUTION has continued to furnish information about this alleged debt on my consume report, which tells me that their debt collection business is still up and running. I am sure I am not the only consumer who has complained about their practices and I want to get to the bottom of this matter once and for all. 

When I first disputed the validity of the alleged debt, AMERASSIST A/R SOLUTIONS sent me a " RETAIL INSTALLMENT CREDIT SALE CONTRACT '' that reads in fine print " this is a consumer credit transaction ''. So in other words, YOU ( AMERASSIST A/R SOLUTIONS ) are saying you gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates. 

Secondly, AMERASSIST A/R Solutions is furnishing an alleged debt on my consumer report but failing to report it as disputed ( refer to attachments ). This is a violation pursuant to 15 usc 1692 ( e ) ( 2 ) ( a ) - " the false representation of the legal status of a debt ''. The legal status of this alleged debt should be listed as " disputed ''. Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector ( in this case, You ) is SUPPOSED to obtain VERFICATION, not validation of the said debt.

This account is listed as a derogatory mark and decreases my chances of extending any further credit to myself. YOUR ( AMERASSIST A/R/SOLUTIONS ) collection practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct, the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. You have most certainly tried to keep me in a hardship and I don't appreciate it. 


Furthermore, I do not know this company and have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX  and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a letter from this company who is collecting a balance owed to XXXX XXXX back in XXXX. 

When the first representative called me I told her the balance was inaccurate as I had gotten a policy with another agency. She gave me the information to submit my new policy cards so they could get me an updated bill. 

Between XXXX we repeated this process many times and eventually they got the information and in XXXX updated the bill in my favor. 

In XXXX they reported me to the credit bureaus which damaged my credit. I didn't even have the opportunity to address this directly with XXXX OR with them. 

The collections company called many times without leaving messages. Today I called them back because I had free time. I told them I was going to pay XXXX directly and the representative told me I needed to pay them instead so they can update the credit bureaus. The snide gentleman told me that they would not be deleting my information and instead would list it as paid in full. 

I asked for a supervisor and this gentleman proclaimed that " they will simply tell you what I've told you '' ( very rude ). His supervisor joined the call and I explained the situation and she tried throwing out buzz words like FCRA like I'm some XXXX who doesn't know how credit reporting works. I told her from my perspective there is no benefit to paying in full if they aren't going to correct my credit report and remove the entry since their file started with bad information to begin with. 

This lady then proceeds to tell me that based on the original file they had what they believed to be the right information and were well within their rights to report me to the credit bureaus. I don't know how this company does business but this is ridiculous. First of all I barely had a few days notice between the time the amount was CORRECTED and the time they reported me. Secondly the bill came from XXXX before it came from them with the CORRECTED amount. They need to do the right thing and update my credit file this is having a direct impact on my ability to obtain credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I submitted a complaint to the CFPB because I requested TransUnion to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to TransUnion to remove the dispute. TransUnion responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that TransUnion needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX  TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because TransUnion refuses to remove the dispute status on my request, it is 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 2021-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Iconic Mortgage Corp.
State: CO

Complaint narrative:
We went to refinance got through most of it the gentleman that was processing it told us everything looked good and to not pay XXXX or XXXX. So here almost the end of XXXX i have not heard back from this guy at all and then we recieved a delinquent notice as the XXXX payment was not made because of what we were told. I called multiple times to him and other people to tell him to get back to me. Needless to say we are now out of refinancing and down a couple XXXX dollars from him not communicating to me and telling us not to pay our mortgage as the refinance was clear. His name is XXXX that works for Iconic mortgage company. Do not go with this company! Single income family also military that got taken advantage of.

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 explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare LLC has been my mortgage servicer for the last several years, through my loan being sold. When we were looking to refinance our home mortgage, we knew we didn't want to consider LoanCare due to several issues that have occurred while they've been the servicer. 

We refinanced with another company, and our loan was paid off XX/XX/XXXX. I've been trying to contact LoanCare LLC re : the return of my {$5400.00} escrow account that they still have. I sent several emails through their " Send Us A Message '' link on their website, but haven't received a response. I have tried calling several customer service numbers, and once I enter my { now paid off } loan number, I get a recording re : XXXX XXXX information with no options. I can't speak to a person or go anywhere else in their voice mail system. Finally, some how, I pressed enough random buttons that I got to a person. I asked her about my escrow balance, and she told me that they hold it for at least 20 days. I asked her why, and she said, " that's the process '' then HUNG UP ON ME. 

What I want : the ability to get some sort of response notifying me of the status and reconciliation of my escrow balance and my loan balance. It is RIDICULOUS that this company will not respond to emails and won't give me access to a customer service rep through their normal voicemail options by phone. While my loan is paid off ( thank goodness ), they still have my money and I'm still a 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 2021-08-27 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: CA

Complaint narrative:
I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that XXXX has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However XXXX has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact 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