vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: MA

Complaint narrative:
I have a collection on my reports that are not mine and from a different state. I disputed them and they came back accurate. I called the collection agency and they were rude to me and someone was suppose to call me back and never did. They refuse to take it off my credit report even when I can prove Ive lived at my current address for almost 7 years. Ive never lived in the state of Florida. I want it off my credit reports as it is not mine and it is ruining my credit. I was in the process of buying a house and now its on hold due to this.

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 2021-05-19 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: MA

Complaint narrative:
I have a collection on my reports that are not mine and from a different state. I disputed them and they came back accurate. I called the collection agency and they were rude to me and someone was suppose to call me back and never did. They refuse to take it off my credit report even when I can prove Ive lived at my current address for almost 7 years. Ive never lived in the state of Florida. I want it off my credit reports as it is not mine and it is ruining my credit. I was in the process of buying a house and now its on hold due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in 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 2021-05-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in 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 2021-05-19 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: MARINER FINANCE, LLC
State: NY

Complaint narrative:
I have a company ( Mariner Finance ) that is continually doing hard credit inquiries with out permission every month. I received a loan from the over 2 years ago and acct has been closed but they continues to do inquiries every month, and that is showing on my credit report. I spoke to XXXX rep and was adv to file a complaint because other than the one time I have never given them permission again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: The Money Company
State: IL

Complaint narrative:
Took to much money, saying I was delinquent in my payment 's.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA

Complaint narrative:
I applied for refinancing with Intercontinental Capital Group ( NMLS on XXXX XXXX. We have good credit ( XXXX ) and good equity in home. I approved the proposed estimated terms and we moved forward with an appraisal. We were sent an authorization to pay for the appraisal in an amount of {$780.00}. When I questioned the above average cost of the appraisal, they found an alternate service for {$450.00} within 1 day. 

Upon completion of the favorable appraisal ( XX/XX/XXXX ), the plan was altered to reflect a loss of a lender credit, higher interest rate and higher closing costs. We reluctantly agreed to the altered terms. On XX/XX/XXXX, I followed up on the status of the processing and was told that we should hear from someone by XX/XX/XXXX to advise if any more documentation is needed after underwriting reviews. I questioned the lengthy timeframe of the process and was advised that they were backed up. I also questioned if this would cause any rate-lock to be affected and was advised that it wouldn't. 

On XX/XX/XXXX, we received a random email reflecting yet another increase in closing costs, which would decrease our cash-out at closing ( cash-out refi ). At this point we had 2 months of waiting for this refinance with underwriting still not approved due to disorganization with the company. We had been reassigned to 3 different loan officers due to attrition with the company. 

After wasting over 2 months of our time with no sign of getting to a closing, we advised Intercontinental that we would not be moving forward with the refinance on XX/XX/XXXX. 
We requested that we be reimbursed for our expense of {$450.00} for the appraisal and received no further response from any company representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX Credit Card has been hacked dozens of times since the major data breech. The card has been replaced several times with an enormous amount of time on the phone with them contesting fraudulent charges and an erroneously late charge. 

I've cancelled the account in desperation, even though I'd prefer to remain a XXXX XXXX XXXX member. Enough is enough. The late fee is {$27.00} and they refused today XX/XX/21 to remove it from my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 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: WI

Complaint narrative:
No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
On XX/XX/2021 I received a letter from Collection Resources , Inc in XXXX XXXX, New Mexico for a Medical bill. The amount was for {$730.00}. The amount of the bill sent to this collection agency was only for {$720.00}. On XX/XX/2021 I wrote and mailed a dispute letter to the above company informing them that these additional fees violate the Fair Debt Collection Practices Act and that this inflated amount is not allowed. This letter was sent via USPS signature required and was received by Collection Resources, Inc on XX/XX/2021 at XXXX Mountain Time and signed for by C. Resources. On XX/XX/2021 I received a letter from the above company with an inclosed itemized statement from the hospital stating that the debt owed was {$720.00}. On XX/XX/2021 at XXXX Mountain Time I called Collection Resources, Inc and spoke to XXXX XXXX about the account. Per XXXX the amount now owed on the account is {$740.00} due to taxes that were added to the original debt. I advised that this is why I was disputing the account and asked for something on their company 's letterhead stating that these taxes were valid and not in violation of the Fair Debt Collection Practices Act. XXXX then transferred me to her supervisor XXXX. XXXX stated that they are going by the New Mexico law that allows additional fees to be added to collection accounts. I asked XXXX to please provide me with this law information or a letter on their letterhead explaining that this law supersedes the federal Fair Debt Collection Practices Act. XXXX stated that she did not have anything like that and that she could not provide me with anything like this.I advised her that until I obtained proof that New Mexico collection laws supersede the federal FDCPA from their office on their letterhead that I would be unable to pay this bill and that I would continue to dispute it per the violation of the FDCPA sections that state that collectors can not misrepresent the amount owed and can not charge additional fees. She stated that she would notate the account and the fees would continue to accrue. That is when I contacted the FTC and was referred to the CFPB to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I called Experian on XX/XX/2021 at XXXX XXXX. I explained that I have a paid membership and an not able to access an updated credit report with Experian online. I also told them I am not able to view the other two credit bureaus either which is one of the benefits of having the paid membership. I was transferred several times with no resolution.

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 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This is for one main financial. This situation started around dates of XXXX to XXXX. One main has over abuse their power. I on XXXX XXXX i was badly injured at work, which lead me to being in a worker 's compensation case and out of work do to severe XXXX  and XXXX  injury that had occurred. One main consistently called during a time of distress for me stating they was collecting debt of XXXX {$7500.00} XXXX. I explain to them i was in a injury case was not working. The representative then stated in my contact i had insurance on the loan, and i could apply it, till further notice. No insurance was ever implied, threaten to garnish my pay, sent me a summos to a judgement on my name if i dont pay the full balance of now which is XXXX. Can somebody assist me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: LA

Complaint narrative:
I entered a consumer credit transaction with RECIEVABLE MANAGEMENT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that RECIEVABLE MANAGEMENT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. RECIEVABLE MANAGEMENT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

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 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
An item was placed on my credit report by Portfolio LLC, that I had no prior knowledge of and that was fraudulent. I have filed a XXXX complaint and at this particular time, have received no resolution. I was no informed or aware of this issue or damaging mark on my credit until my expecting fiance and I were denied housing over the matter. At this time I have retained legal counsel and will be pursing the matter further, if corrective action is not taken to alleviate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Harley Davidson Financial Services Inc
State: UT

Complaint narrative:
Harley Davidson is reporting a late notation on XX/XX/21 on my credit file. I recently looked at my credit and noticed some this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Harley Davidson report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Harley Davidson please take leniency on my hardship and remove the late as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: NJ

Complaint narrative:
I contacted Experian on XX/XX/18 to have dispute remarks removed instead the agent updates my three accounts as closed. The three accounts are still open and active. When I contact the bureau for help, they refused to help me. Experian representative were rude and unwilling to fix their error despite the fact I have letters that reflect my accounts active and current.

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 2021-05-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
AT XXXX XXXX  AND XXXX XXXX  ON XX/XX/19 I RECEIVED EMAILS FROM THE CFPB STATING THAT THAT COMPLAINT ID 'S WERE CLOSED/RESOLVED. AT XXXX XXXX  I SUBMITTED FEEDBACK ON A CLOSED CFPB COMPLAINT WITH EXPERIAN. IN THE ORIGINAL COMPLAINT, I STRESSED I WANTED NO ADVERSE ACTION TAKEN AGAINST ME. THESE DISPUTES WILL IN EFFECT HAVE BOTH COLLECTION ITEMS UPDATED ON MY CREDIT REPORT AS SOON AS THEY RECEIVE A RESPONSE FROM THE CREDITOR THUS TAKING MY SCORE DOWN AGAIN AS A RESULT OF UPDATES TO BOTH DEROGATORY ITEMS. I WIILL RECEIVE THE IMPACT OF NOT ONE BUT TWO UPDATES IF THESE ARE NOT CLOSED. IF THESE DISPUTES ARE NOT CLOSED IMMEDIATLEY, THIS WILL JUST BE YET ANOTHER PART OF MY ORIGINAL COMPLAINT.I HAVE SPOKEN TO TWO AGENTS XXXX AND XXXX. THEY CONFIRMED THE CALLER CALLED AT XXXX XXXX  TODAY STATING THEY WERE ME. I DID NOT MAKE THIS CALL. I ALSO WORK AND WAS WORKING ACTIVELY ON INBOUND AND OUTBOUND CALLS AT THAT HOUR AND WOULD NOT HAVE BEEN ABLE TO MAKE THIS CALL. I ALSO AM IN THE MIDDLE OF A MAJOR CREDIT PULL UNDERWAY AND WOULD NOT HAVE OPENED THIS DISPUTE FURTHER IMPACTING MY CREDIT PROFILE WITH ERRONEOUS UPDATES. THESE TRAELINES WHILE THEY SHOULD NOT BE REPORTING, I CAN NOT AFFORD THE IMPACT OF THESE NOT BEING PROPERLY RESOLVED AT THIS TIME. XXXX CLOSED MY CLAIM STATING THAT THE IDENTIFYING INFORMATION I PROVIDED DID NOT MATCH MY CREDIT PROFILE. THAT WOULD BE IN ACCURATE. IT WAS FURTHER CONFIRMED BY AN EXPERIAN REP XXXX THEY RECEIVED A REQUEST FROM THE CFPB AND DOCUMENTATION REQUESTING UPDATES ON MEDICAL DATA SYSTEMS TODAY. I INQUIRED WHAT WAS BEING REQUESTED IN THE DISPUTES AND I WAS TOLD THEY WANTED A STATUS OF THE ACCOUNTS. I REQUESTED THESE DISPUTES BE CLOSED IMMEDIATELY AND WAS TOLD BY XXXX IN DISPUTES THIS HAD BEEN CLOSED. HOWEVER I JUS RECEIVED A NOTICE FROM EXPERIAN ABOUT DISPUTES OPENED AT XXXX XXXX  AS NOW RESOLVED WITHIN XXXX HOURS! HOW CONVENIENTLY IN SOMEONE'S FAVOR OTHER THAN MINE. MY CREDIT PROFILE SHOULD NOT BE IMPACTED AS A RESULT OF THESE COMPLAINTS. THESE TRADELINES HAVE BEEN UPDATED AND MY SCORE WILL UPDATE AS IMPACTED BY TOMORROW AS A RESULT. I AM SENDING THIS TO THE ATTORNEY GENERAL 'S OFFICE. I WILL SEND THIS TO EVERY SUPERIOR OFFICE, DESK OR OTHERWISE UNTIL THIS IS RESOLVED AND YOU CEASE CAUSING HARM TO MY CREDIT PROFILE. SOMEONE IN EXPERIAN NEEDS TO GET TO THE XXXX OF THE PHONE NUMBER THEY WERE CONTACTED FORM TODAY AT XXXX. THEY NEED TO ALSO TRACE FROM WHERE THEY RECIEVED UPLOADED DOCUMENTATION FROM THE CFPB ON A UNRELATED COLLECTION TRADELINES

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 2021-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I went to XXXX XXXX I signed a promissory note my freshman year to take out a $ XXXX loan for my tuition. To my knowledge that was the only loan I had once I graduated. After my freshman year I obtain a XXXX XXXX  and received multiple scholarships and became a part of multiple groups like the XXXX Program that gave scholarship money for the the next 3 years that I was there. I also moved off campus my sophomore and junior year. I didn't move back until my senior year. 

Once I graduated I found out that my school took out a loan for me my junior year for about $ XXXX. I knew nothing about this money and I saw no parts of it. I advised the department of education that this was fraud and submitted a fraud claim. They inturn sent me a copy of the promissory note from my freshman year basically saying since I signed that my school had the right to take out loans without my knowledge. That is some bull. 

I pay all my bills and I'm currently paying on the $ XXXX loan I had. I just refuse to pay this until someone can show me where or how this money was applied to my tuition. Any bill that I pay has a breakdown of the charges. That's all I'm asking for is a breakdown. Show me how this was applied to my tuition and I will pay. Noone seems to be able to do that and that is my problem. 

There was no reason for my school to have to take out a loan for me my junior year. I lived off campus so my tuition should have been way lower. If I didn't need any loans my sophomore year I should not have needed any my junior year. I had the same scholarships. Also I moved back on campus my senior year and not showing any loans for then. What since does that make? How would I need loans when I stay off campus but don't need any when I move back on campus. Tuition should be way higher. It makes no sense. Anybody should be able to see that and agree. 

Also last year the department of education took my taxes. I disputed it and started the process for arbitration but then my money came back in the mail and my credit was updated to show this as a closed account. 

Also, about a month ago I was trying to refinance my home when I was denied due to credit. I went and checked it out on XXXX XXXX  and it showed this account as closed but it was still showing a payment history. So I disputed this through XXXX XXXX  and they updated it on XX/XX/21 on XXXX to show correctly now XXXX screen shot attached XXXX but on Equifax they put it on there as an open account now showing all these late payments. It has caused my credit score to drop XXXX points. All credit bureas should be showing the same way TransUnion is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AVANTE
State: TN

Complaint narrative:
I have 3 accounts in collections for Avante or XXXX XXXX emergency when I had and still have state health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
I figured out that I have uploaded fake items in my credit report. I consider it as a spam or error because accounts are not mine. Could you please figure out who could do it with me and delete these items. I am so sad to have this ridiculous situation

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