vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from Receivables Performance Management stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!!

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 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Back in XX/XX/XXXX I was enrolled in auto pay for the car XXXX XXXX XXXX I accidently paid online and they also took their auto pay which I understand. I caught it and to stop that from happening again I stopped auto pay and decided to start using my own bank bill pay. Then on XX/XX/XXXX they got in my bank and took a payment illegally. Then they went in on the fourth and took another payment but they refunded that one but they still illegally got into my bank account. I called on XX/XX/XXXX and was told they would send a check refund. I asked why they were in my bank account in the first place. One person said they updated their system and it was an accident, another person said I went on a third party site and made a payment. I waited for the check and called again on XX/XX/XXXX. That man said they don't send checks and that they already refunded and to call my bank. My bank said there was no refund. Then my own bank sent their auto pay and they got a third payment. I ended up with two NSF fees but my bank removed one. Citizen bank XXXX XXXX XXXX loan bank ) kept telling me they already refunded. I disputed, took screen shots and they still lied. In the meantime my principle balance keeps going down and they say I don't owe for three months so that proves right there that they kept my money. I was told yesterday XX/XX/XXXX that they refunded on the XXXX, then they changed it to the XXXX and XXXX. Then on XX/XX/XXXX I got a letter in the mail from them thanking me for my payment. I've been asking for my money back since XXXX. They keep making up new lies and this has gone all the way to the chairman office. Now they say they fed ex my check when on the XXXX of XXXX I was told they don't do refund checks. They just KEEP LYING. they have taken 3 payments this month and refunded only one and caused me to go in the negatives. If they don't have my money how come my next payment isn't due until XXXX. Also I asked why I didn't start getting statements until XX/XX/XXXX and I was told that they only send statements to people not enrolled in auto pay and as you can see, my first statement started XX/XX/XXXX when I canceled auto pay in XX/XX/XXXX. Also, when I first checked my account before my fist phone call there wasn't even a bank assigned in their system so my bank, XXXX XXXX  days they were going of the account number and routing number from the checks my bank was sending them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
American credit acceptance sent a email out stating they will not be charging late charges. Yet they are keeping it on the account as late and its not right because the pandemic stopped everything I let them know we were and are under the disaster. I would like the late statements to be removed because its also stopping a lot of thing for me to get my family back on track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing to you to report a serious issue that I have with my mortgage lender. On XX/XX/2021 after a discussion with the Loan Processing Officer, XXXX XXXX, XXXX # XXXX from Bank of America I decided to apply for a mortgage refinancing. One of the major financial incentives to apply was the fact that I could go through a XXXX process, with which I could avoid paying the transfer tax, an amount of {$14000.00}. After waiting more than three months to complete the XXXX process, Bank of America informed me that we are ready to close the loan and the sent me the Closing Disclosure, where there is a charge of {$13000.00} for the transfer tax! Two weeks ago I had contacted their legal counsel who was handling the XXXX process and they had informed me that my file was clear. On XXXX when I first talked to the above loan officer, he had told me that I will not have to pay the transfer tax since we are proceeding through XXXX. Today I am charged not only with the transfer tax but also with all the legal fees for the XXXX process. I feel I have been deceived and I would like your help to investigate this case. 

Thank you in advance, 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 non-monetary relief
Consumer complaint received 2021-04-29 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: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I made payments to my bills with XXXX XXXX XXXX. XXXX  claimed that I had not made the payments and in XXXX they reported me to the Credit Bureaus even though I made more payments on the same debt. They continued reversing the second and third payments on the same debt I was trying to make. I contacted them and a Supervisor said that they were going to take care of the mistake. As a result of they reporting me in XXXX my credit score decreased by over 80 points. They continued reporting me unfairly almost every month since XXXX and my credit score continues decreasing for the same problem. I'm providing proof of payments made, payments that I continued making every month for the same debt which XXXX XXXX XXXX continued returning and I can't understand why. At this point I've paid the debt twice and they continue reporting me. This could be detrimental on my credit. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused FinanciaXXXX XXXX and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Quality Asset Recovery LLC
State: FL

Complaint narrative:
I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX  is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have XXXX XXXX agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX  and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency QUALITY ASSET RECOVERY, LLC Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact QUALITY ASSET RECOVERY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( 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 2021-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NY

Complaint narrative:
Good Morning, my name is XXXX XXXX and I've formally submitted a complaint on a company called XXXX XXXX. I was under the impression that my monthly payments towards XXXX XXXX was going to my student loans however, when I went to apply for my first credit card years ago - I noticed many negative ( late payments ) marks on my account. It was to my surprise that the payments I was making to XXXX XXXX weren't for my loan, but instead, for a service they offered that consisted of refinancing and monitoring my loan. 

After paying a few credit repair agencies I was thoroughly helped by one of them. We took a deep dive into why I had so many negative marks on my account, hindering my credit from going above a 600. At a granular level we were able to discover the pattern, my payments towards XXXX XXXX aligned with my late payments to FedLoan. 

I've given up on seeking justice and getting myself back to where I was before I found out about XXXX XXXX. I'm filing this complaint with the hope that someone will fight for me to get these items removed from my credit report. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ongoing dispute of a bank to bank transfer. Initiated transfer XX/XX/2021. XXXX Wells Fargo branch XX/XX/2021. Opened claim with Wells Fargo XX/XX/2021. XXXX with Wells Fargo and XXXX XXXX representatives on XX/XX/2021. Was provided trace information from both parties.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 90 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, XXXX XXXX, Subsection XXXX, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have credit collections agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency CONSUMER ADJUSTMENT COMPANY Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXXLast Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status DateXX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and Trans Union still have XXXX XXXX XXXX is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and trans union That I dont recognize - XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date Apr XXXX, XXXX Status UNPAID Balance Date Apr XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( 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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Debt was paid in the fall of 2018, in store, in XXXX Ohio. Midland bought out the misstatements debt, and has put it as an account in collections despite the debt being paid. 
I called out to Midland to discuss the debt, and they refused to accept the fact that this debt was paid prior to their buying of the debt. To get this misstatements debt handled, and the company refused to remove the debt. Additionally no validation of debt was received, despite my asking for validation. I even attempted to settle the debt to remove it and the company refused. 
The fact they they have not sent any validation of debt, and have refused to remove this item from my credit report is a direct violation of the fair debt collections act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: IL

Complaint narrative:
Want to have acct unblocked to use for external accounts

Company response to consumer: Closed with explanation