vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to Ally Financial, that vehicle was sold on XX/XX/XXXX, I received a letter from Ally Financial on XX/XX/XXXX stating what my deficiency balance was. On XXXX XXXX, I tried to call Ally Financial and was routed through their automated system to XXXX XXXX as it indicated my account had been turned over to them for collection. I tried for several days to reach XXXX and finally on XX/XX/XXXX, was able to reach XXXX XXXX XXXX with XXXX. Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify Ally Financial At that time that my payment was made in full and had cleared. Since XXXX XXXX, when I was notified by my bank that the payment to XXXX XXXX had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XXXX XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from XXXX so that I can show this paid and also so that Ally Financial will show this has been paid. 

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS

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 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Repeated threatening phone calls in 2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to 2019 or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: IL

Complaint narrative:
I pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on 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 2020-08-08 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This complaint # XXXX was closed out based on the financial institution response. I have reviewed all three of the credit bureaus. The account with XXXX XXXX shows the following reporting information. XXXX shows the file being delinquent from XXXX thru XX/XX/XXXX being past due, frim XX/XX/XXXX thru XX/XX/XXXX the account is not being reported, as of XX/XX/XXXX shows file being past due. XXXX XX/XX/XXXX thru XX/XX/XXXX shows past due XXXX + XX/XX/XXXX account shows it charged off and started reporting again XX/XX/XXXX. XXXX shows XX/XX/XXXX thru XX/XX/XXXX negative reporting then starting in XX/XX/XXXX shows file being reported again. The credit bureau goes by the information provided by the creditor. They responded to the complaint that the file was never charged off. Credit Acceptance is not being truthful and their reporting it again has affected my credit score. The account was already reported being past due in XXXX I am confused as to how you can choose not to report for almost 3 years and now start to report again. This makes no sense to me and should be investigated.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I initially noticed negative impacts on my credit by using XXXX app. Over the years it has always shown negative effects on my credit. I have attempted to reach out to XXXX, XXXX  and transunion in attempts to clarify what accounts were in fact negative. I have had zero responses to this information. From what little information I have on my credit it shows 100 % on time payments for the whole duration of my credit. I have never had an account go into collections nor have I had an account go delinquent. The most recent dispute is now about an account that Transunion is reporting as Delinquent and currently Open. The account has been closed for several months now. Yet Transunion just reported the account and is displaying it as delinquent. 

I have reached out to Transunion specifically going on four weeks now with attempts to get the ability to login to the account that I attempted to create four weeks ago. Being this is the only way that Transunion allows credit users to dispute accounts on their credit agency. Transunion has made it impossible to dispute an account by stating I have login and password information to my account. However, I have never received any sort of confirmation that the account exists nor the ability to login with the information they have provided me. 

My goal is to remove all of these negative marks on my credit if these credit agencies are not going to provide me with information so I can either rectify the situations or have a clear understanding of what account they are referring too. 

Again, nothing on my credit is showing negative. Yet all three agencies are reporting negative impacts for accounts past due, serious delinquencies, credit card usage and recent missed payment. All of which aside from credit card usage is incorrect. 

I would like these to be resolved for it is negatively impacting my abilities to establish permanent residency for me and my family. 

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on 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 2020-08-08 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: IL

Complaint narrative:
I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Repeated threatening phone calls in XX/XX/2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to XX/XX/2019or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I previously submitted a dispute regarding 3 XXXX  accounts that were included in bankruptcy & discharged but showing balances & charge off status. The response I finally received from experian was that they would update the accounts to reflect the bankruptcy discharge. They were subsequently all updated to XXXX  balance & showed as included in bankruptcy. Now 2 weeks later one of  the accounts has been changed back again to the bankruptcy indicator being removed & a balance of {$82000.00} is back on the account. See XXXX account # XXXX on my current credit report & please correct. I have attached the previous CFBP complaint as well as the bankruptcy paperwork that I previously submitted. Can you please stop this from recurring with this account as well as the other 2 XXXX accounts? This loan is not exempt from bankruptcy discharge as it does not meet the definition of a student loan under bankruptcy law & in fact this creditor has been sued several times for their credit reporting & collection practices & have a class action lawsuit against them currently for violating bankruptcy law. I am part of that lawsuit & am seeking damages currently. I have attached that for you as well. 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 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Citibank MC credit limit is {$12000.00}. The XX/XX/2020 statement was paid in full. 
My XXXX statement shows the following purchases : XXXX XXXX ( XXXX  ) {$66.00}. No other charges made to the account or previous balances. The XXXX statement had a due date of XX/XX/2020. 
On XX/XX/2020, XXXX  credits the full amount {$66.00}, however I went to the Citibank site as I usually do when I pay my bills due for the first week of XXXX. When I tried to make a payment the site showed : {$0.00} balance no payment due at this time. 
On XX/XX/2020 the new statement came out with a {$29.00} fee for late payment. I chatted online with and called Citibank on XX/XX/2020 to ask for a credit for that late payment fee since when I tried to pay the credit card the site will show a {$0.00} balance. The rep via chat could not help me and I got disconnected from the chat and was unable to get back to it. The Citibank system did not let me back into the chat, I got a message that session was over, turned off the computer and tried again, same message. Then I called to close my account and the Citibank rep said the only help he could provide was a 2 % credit to my future purchases to not exceed {$100.00} for total credit. He stated he could not waive the {$29.00} fee because even though XXXX  credited the full amount of the statement balance, I still needed to make a {$35.00} minimum payment. Minimum payment for what? The balance was XXXX. The XXXX statement shows a purchase of {$42.00} plus the fee for a total of {$71.00} that I had to pay in order to be able to close my account which I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 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:
Equifax has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor XXXX XXXX continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian sent me an email to check my credit report as a new account was added, it was a refinance of a current loan and was fine but while reviewing all I notice one of my old accounts that is over 7 years of is still be reported, this is a breach of the FCRA!! The account was with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I tried to dispute on with Experian but it would not allow me to do so and I also tried with XXXX  and as usual could not get in to do so! I want it removed and all of them fined for misreporting my information AGAIN!

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: PA

Complaint narrative:
While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ).  On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX  to correct late payment notices they posted earlier in XX/XX/XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX ... and we have the actual checks with the dates each month when they were received and the date they cleared XX/XX/XXXX that very same month, with no additional monies were sent to XXXX  ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX XXXX check ( received in XX/XX/XXXX, cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.

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 2020-08-08 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: PA

Complaint narrative:
While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. XXXX separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX, cleared by XXXX XX/XX/XXXX). This process was repeated each and documented each and every month, for the exact month the payment was due.

Company response to consumer: Closed with explanation