vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 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: NJ

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX gave me a free credit score via TransUnion, even though my credit is frozen with them and the other two agencies. Don't remember the exact date I did the freeze but it's been over a week ago for sure. 

I was alarmed by this and contacted XXXX customer service. XXXX told me to talk to TransUnion. 

I called TransUnion on XX/XX/20 and they told me that no one had accessed my account, even though XXXX was able to provide an accurate credit score. 

Somebody seems to be lying ....

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 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
So I put half the money in the bank I only owned {$8.00} and some change they charged me to {$34.00} twice For {$8.00} dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I currently have 7 consolidated loans in repayment under the IBR plan. I transferred my loans from XXXX to Fedloans in XX/XX/2017 and asked to begin certifying payments for PSLF forgiveness. Fedloans said that the payments from XXXX would require a manual certification and would take 6 months. It has now been over 2 years and only two loans are updated with the correct 79 payments. The other 5 loans are still at 51 payments despite all loans having the same number of payments made. I've called innumerous times over the 2 years and counts have been " expedited '' several times. I most recently called this month and the fedloans representative said she has never seen it take this long to certify the payments. I'm looking to buy a house and need an accurate number of certified payments for my financial planning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: NJ

Complaint narrative:
I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-01-25 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My complaint is with Ally Bank XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from Ally dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. XXXX also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.

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 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-25 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV on XX/XX/XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NY

Complaint narrative:
The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on the XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn onXX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.

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 2020-01-25 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: NY

Complaint narrative:
The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX XXXX the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken onXX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on XX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be  CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fradkin & Weber PA
State: MD

Complaint narrative:
On XX/XX/XXXX I received a call from my neighbor stating that a server was at my door, I was confused so I got on Maryland case search and I saw that I had a case judgement XX/XX/XXXX and then reopen XX/XX/XXXX for {$520.00} the address listed is an address I have not lived at for over 20 years which tells me this is a debt from when I was a teenager and I honestly don't know what it is because it's no on any of my credit reports. This company as sent a garnishment letter to my previous employer and I really want to know what RIGHTS do I have for a debt that is well over 20 years old?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/2020, I received a letter at my home address indicating that a debt I was alleged to owe to XXXX had been placed into collections. 

The letter is from : Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX The letter came as a complete surprise as I have had no contact of any type from XXXX or any of its representatives suggesting that some type of financial obligation exists between myself and XXXX. 
I have lived at my current address for three ( 3 ) years and had both my cell and landline numbers for the same period of time. My current email address is approximately 15 years old. 

I immediately called SEQUIUM at the number on their letter. They refused to provide any information about the alleged debt, instead demanding to know whether I had ever had an account with XXXX. 

At my request, the call was escalated to XXXX XXXX, ( XXXX ) XXXX. After a brief discussion, Ms. XXXX acknowledged that SEQUIUM is not in possession of any document that would show that I ever had any type of account or other contract with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried paying for the credit card bill. According to the company, the payment was returned due to wrong bank routing/account number. They charged me a fee. Suspended/locked the account. I can not make any payment. I contacted the company to unlocked the account. They said they unlocked it and wait for a few days. I waited a week and tried paying again. It says the account is locked and contact customer service. I contacted the service again, they said wait a few more days. I waited and still not unlocked. Now I have a payment due with a suspended account. The company wants me to pay the bill but I can not pay the bill because the account is locked. I contacted the customer service again. Now they don't know what is happening with my account. The problem is, How can I pay the bill if they don't let me pay the bill? At the same time, they want to charge me the late fees and interest.

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 2020-01-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
This company repeatedly shared protected health information to the credit bureaus without a prior authorization of release. The medical diagnosis and procedures was sent not only to me, but to XXXX, XXXX and XXXX. This HIPPA Violation and FCRA violation is on going. I just recently found out that this information was also given to another agency as well XXXX XXXX XXXX XXXX, XXXX. The protected health information was breached more than 4 times that I have proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I became aware that my credit score decreased by 44 points, from XXXX to XXXX, during XX/XX/2020 because of a " derogatory account '' that Credit Management , LP had notified the credit reporting agency XXXX  they were collecting on behalf of XXXX XXXX XXXX. 
I contacted Credit Management , LP for first time via telephone on XX/XX/2020 XXXX XXXX to gather information. 
Contacted Credit Management , LP for second time via their website https : //www.creditmanagementonline.com/questions on XX/XX/2020 XXXX XXXX to issue a letter to initiate my dispute. 

I disputed this debt because I was never contacted by neither XXXX XXXX nor by Credit Management , LP in regards to either proof of this debt or its collection. Credit Management , LP may be in violation of the FDCPA ( section 1692c.b ) by having failed to issue me notice of the alleged debt prior to contacting consumer reporting agencies, and in doing so having intentionally damaged my personal credit score with no proof of debt having ever been presented to me. I believe this currently amounts to libel.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, a fraudster pulled an inquiry through XXXX in my name for a Capital One account. This has been confirmed through XXXX. I received a scam likely call the morning of XX/XX/XXXX, identifying as the Capital One fraud team for a new application. I did not answer or call that # back ; rather, I called Capital One directly, to which they indicated there is probably no application in my name, but their application team doesnt work on the weekends. About an hour later, I received an alert from XXXX ( via another credit account legitimately in my name ) indicating my credit was pulled from XXXX on XX/XX/2020 for an application to Capital One and another application to a different creditor. The additional creditor was able to decline the application immediately & request the inquiry be removed from my XXXX report. However, Capital One asked me to call back on Monday to talk to their new application department. Since there is actual fraud in my name with Capital One, Id appreciate this be immediately resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: KY

Complaint narrative:
You can see in email being harassed no matter what I say

Company response to consumer: Closed with explanation