vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SF VAGO, LLC
State: GA

Complaint narrative:
I have contacted State Farm with the correct information about the vehicle loan that I been making ontime payments on. I contacted them to let them know I was out of town in XXXX XXXX and I tested XXXX XXXX XXXX XXXX I checked my checking account and a payment did come out of my bank for the XX/XX/2021 onetime payment. I have faxed them a copy of my bank statement and attaching a copy to you as well. The late payment is still showing on my credit report currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to each of the credit bureau 's on XX/XX/2021 to notify them that my personal information is inaccurate due to identity theft and as of today XX/XX/2021 the inaccurate information is still reporting on my credit and I am concerned that additional damage may be done if this is not corrected immediately. Please see attached identity theft affidavit and letters sent to the credit bureau 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
Hello, Thank you for all that you do. 

This contact is in regards to my communications with " Southern Management Systems Incorporated ''. Upon contacting the company I was treated very discriminatingly after explaining I am an XXXX with the XXXX XXXX and verbatim the lady said " well good for you '' /etc. This occurred on XXXX. XXXX, 2021 at XXXXEST. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Tuesday, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET XXXX  and Transunion both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX, Experian membership ID XXXX. On XX/XX/XXXX my credit report updated reflecting that Ive paid down my credit cards. My credit utilization went from 50 % to 30 % after paying down my credit cards, shockingly this resulted in my score to drop of XXXX points!! There were no other activities on my report for the last 3 months. When I contacted Experian for an explanation they blame FICO and advise for me to call FICO for explanation. The credit model and algorithm is discriminatory and INACCURATE! Sadly, until the government comes with a different scoring model, well be at the mercy of these CRAs inaccurate reporting and scoring models. I need a full investigation and explanation as to why my score dropped after paying down credit cards from 50 % to 30 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hello my name is XXXX XXXX. I have made a complaint numerous times to Coinbase the company to remove the restriction on my account and let me have access to my money but they have ignored me for almost 2 years with no solution and I have about XXXX in my account that I want to take back and but they are being very scammy. It is almost impossible trying to reach a live agent to help you solve your problem its so bad I have night sweats and headaches trying to get my money out and I have been stressed for 2 years trying to find a solution please help me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company has been posting " late payments '' to the credit bureaus since 2019. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last two years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I requested a loan from lending club at the beginning of XXXX for XXXX, the bulk of the money was to be sent to another creditor to pay them in full ( XXXX  XXXX  ) on XX/XX/XXXX with the difference being sent to me ( {$1500.00} ). The funds never were sent to XXXX, so I called and spoke with several people and was later told that they sent the funds to the wrong address. Someone was supposed to call me back after they researched the issue ... they never called. Later I received an email from XXXX that the funds were recived loan was paid in full etc. Great right.. three days ago I received an email that this check bounced from LendingClub. I called in and was hung up on by a rep, called back asked to speak with a sup ... never called back. I called in today and was hung up on by another manager. I later called back and was told that because they couldnt send the funds to the creditor ( which they did ... they stopped payment on the check without asking me ) that they wanted to send me the funds. At this point I had had it. I just advised them to calculate the interest for the funds that I did receive ( XXXX ) which should have had me paying them somewhere around XXXX but they didnt ... they made me pay the full XXXX to pay this loan in full, which I think is extremely unfair as I tried to make every accommodation to get the full XXXX but they didnt honor their bargain thus I never received the funds. I was calculated interested on a XXXX loan I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: OR

Complaint narrative:
I called XXXX to ask if they could help with my payments as I lost a job in XXXX of 2021. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped 75 points!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent outsourcing is continuing to contact me about a debt that is not mine I disputing this information multiple yet they still are verifying it's accurate without any paperwork giving to me or the bureau with proper verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NJ

Complaint narrative:
I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GreenSky, LLC
State: CT

Complaint narrative:
on XX/XX/2021 XXXX XXXX XXXX of XXXX, CT came to my home to fix a clogged basement drain They stated that the problem was a collasped sewer line and the bill would be between XXXX and XXXX but the price soared to XXXX most because of unnessary work. I was never given a oppurtunity to get a another estimate, for as XXXX was telling me thwe problem as the electric company arrived to draw the dig lines. I was advised that XXXX XXXX XXXX would apply for credit for me. On XX/XX/2021 I was confronted by the tech on the job that I needed to handle the bill I advised him that XXXX was suppose to handle it. He did not move his vehicle so I could go to work. On XXXX XXXX after the work was completed the same tech called me at XXXX to say he was outside and would stay til I dealt with the final payment. he came in and called Greensky of XXXX GA and opened an account for 28.99 % XX/XX/2021 I received a letter from XXXX XXXX XXXX. I had no idea about this account or what is charged on it As of this time I have neither seen a bill or any account what so ever from XXXX XXXX plumbing. I have no idea how many accounts have been opened by XXXX XXXX plumbing. I believe that XXXX XXXX XXXX engaged with both XXXX and GreenSky in a scheme of predator lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received two separate calls from Fifth Third Bank on XX/XX/XXXX about a missed payment on my Equity Line of Credit account. I made the payment on XX/XX/XXXX using their online bill payment system. The payment was due XX/XX/XXXX. The bank was unable to confirm this but was able to take my payment during the course of the first call. Several hours later, I received another call asking to collect the debt again. The employees refused to provide any unique identifying information, and failed to disclose that the call was an attempt to collect a debt. They also refused to provide the NMLS number for Fifth Third Bank or themselves when requested. The first caller only identified themselves as XXXX. The second said his name was XXXX. This predatory collections activity is surprising to me from such a well-known institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my XXXX Credit Card in Full to the 3rd Party Collection Agency and then once it was paid I contacted the original creditor asking for them to provide me with a receipt of the payment in full. I called in to obtain a paid in full letter from Scynchrony Bank I spoke with XXXX XXXX XXXX who stated they would not be able to provide me with a copy of a paid in full letter until 45 days although I have expressed that I needed it because I was in the process of obtaining a mortgage. I even contacted the third party collection agency who verified that they had already sent it to the original creditor. XXXX XXXX stated that I had already filed a complaint and I feel like this is in reiteriation regarding my previous complaint and I feel like this is in violation of my rights as a consumer. I paid off the balance I by right I should be able to receive my receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
The mortgage servicing company has been imposing fees or charges without a reasonable basis or explanation. The company began servicing the loan starting XXXX and the first payment was due XXXX. The company charged fees totaling {$2300.00} between XXXX and XXXX before the first payment was due without explanation or notice. 

Several instances after that, on XXXX and XXXX a XXXX XXXX balance fee of {$160.00} was charged and there was not an outstanding or past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TX

Complaint narrative:
Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on Equifax YET XXXX  and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TX

Complaint narrative:
Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET Experian and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on NISSAN-INFINITI LT. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
I submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

Experian - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} XXXX  - XXXX XXXX XXXX {$690.00} XXXX XXXX  {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
Equifax has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation