vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
OnXX/XX/2021 @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on Transunion dropped 41 pts onXX/XX/21 for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of XXXX  and Transunion, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) Transunion score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the Transunion report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for Transunion monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my XXXX  report, but after the experience with Transunion, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at Transunion and " Good '' at XXXX. Heartbreaking.

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 2021-04-12 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: AZ

Complaint narrative:
In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. 

Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. 

I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. 

I am attaching documents for review.

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 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC
State: SD

Complaint narrative:
I was called by a debt collections agent on XX/XX/21 and quoted over XXXX  grand. When I called today XX/XX/21 to make a payment I was quoted as only owing roughly XXXX dollars. I asked the agent if that was for sure because I was quoted alot more the other day. He searched for anything else including spouse 's debt and found nothing. I have also recieved a letter from the agent I spoke with the from the first call. I paid the smaller amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
COMPANY : Transunion ACTION ( complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 3 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
An account I had through XXXX was sent to collections in XXXX, I then paid the balance of {$270.00} through their collection agency XXXX on XX/XX/XXXX. On XX/XX/XXXX a collections account was placed on my credit by the company I C System INC, a collection agency with XXXX, for the same amount of {$270.00}. When I contacted XXXX about this several times during the week of XXXX XXXX they stated that in their system my balance was XXXX  and to contact the collection agency directly, along with disputing the item on my credit. I did both to no avail as the collection agency stated they would need confirmation from XXXX that the debt was settled and the dispute continues to come back as accurate information.

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 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Car was sold at aution not sure why a balance of {$9200.00} remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, Radius Global, to cease all collections. Radius Global was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. Radius Global then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. Over a year has passed since I informed Radius Global, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by Radius Global, while Radius Global 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but Radius Global states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from Radius Global and that must be received first before they can comply. I am attaching documents for review.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with XXXX and XXXX they did not listen finally send to the creidt agencies transunion and experian and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2021 we made a withdraw of XXXX in the form of a cashiers check from Bank of America. On XX/XX/XXXX we deposited the check back into our account after discussing the quickest way for funds to be available to the payee. Bank of America has put a global hold on our account and will not release any funds at all and will not give us any reason why.

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 2021-04-12 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: CA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my XXXX account. They used my XXXX account to make several payments. I reported this to XXXX as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the XXXX account balance was - {$310.00}. XXXX knew this was due to the fraud, but the amount got transferred to a debt collection agency : American Coradius International ( ACI ) LLC ( XXXX ). ACI has sent me a collection notice and a bill for {$310.00} despite the fact that XXXX has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I settled this account with LVNV Funding, and they informed me that this account will be deleted from my credit. 
However, that hasnt taken place and the account is still reporting on XXXX. 
Please honor your end of the agreement and delete the account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
In XX/XX/2021 a company hacked into my phone without my permission and gained access to my back account as I was trying to get the hacker out of my phone they went into all my bank accounts there were no funds in any account except for the navy federal account and at that time they used the zelles app in the bank app to with drawl money out of my account. I made a police report, reported it to the back. They denied the fraud claim stating it was my fault and then I appealed and with in a day or two they denied the appeal again saying it was was my fault. There was a police report and everything done. I did not authorize any charges. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX my account was in the negative XXXXI called to try to resolve the issue of constant over draft fees explained by time my stimulus hits I will have less than half.I was told nothing they can do. 
My stimulus hit on XX/XX/XXXX after the negative I was left with XXXX. It is what it is. No problem On XX/XX/XXXX I'm still at a positive of XXXX. 
I never noticed anything until I received an email on XX/XX/XXXX stating on the 30ththey will be taking XXXX out of my account. 
I called to see what this is today XXXX they tell me its EIP. I wasnt aware of this when I called before none mentioned this when my stimulus hit they didnt apply this EIP. Come to find out they gave it to my acct on XXXX. I never noticed because I was at a positive. Now why didn't they help me before the stimulus so I got entire amount so over drawn fees would stop like I requested? Why wasn't I informed? Now they are going to put me in negative XXXX iget my XXXX on the 3ed by that time I'm lucky after fees I get XXXX to live on for the month of XXXX. I live on my XXXX that's it .I 'm confused, stressed out wont be able to pay bills food in XXXX because of this mess up the bank did.please help me

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 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have been an Ally Financial customer since XXXX of XXXX. I am paying over {$33000.00} for a car worth {$10000.00} but have made 30 consecutive payments out of 72, with 42 remaining. Due to the pandemic, I have requested a payment deferment. I received an email dated XX/XX/XXXX from XXXX  Executive Customer Services Ally Bank. The email simply stated more information and a resolution to come. I had heard or received nothing else by XX/XX/XXXX, so I called and spoke to XXXX. I was immediately accused of " hiding the car '' which I have never done in all my life. I was told that I could face repossession even if I am only a few days late on payment because I Owe so much. Told that " we all got together and decided that we were not going to help you '' and will now report to all credit agencies although you state this was a mistake. We don't care that there is a pandemic and 'for some reason when we report it drops a credit score by 47 points. I was told I had had too many deferments. And he was sending me a letter that day regarding what would be done. I received the paperwork via mail dated XX/XX/XXXX stating I was " supposed '' to have received but I have never seen it before.

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 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to delete the following Information in my file.The item I need deleted are listed in the report. I am a victim of identity and I did not the charge. I asked that the item be deleted to correct my credit report. I reported the theft go my identity to the federal trade commission and I also have inclosed copies of the Federal trade commission identity affidavit. Please delete the items as soon as possible.

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 2021-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In the past week, Equifax, XXXX, and XXXX have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: IL

Complaint narrative:
1. This does not belong to me. 
XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received another call at XXXX XXXX from " XXXX XXXX '' from XXXX and I finally decided to pick up the call because it seemed to be a personal call. She ( XXXX XXXX had my name, address, the last four of what she claimed is my social security number, and that I had a debt with Check N ' Go tied to a XXXX XXXX bank account from XXXX  ( which I do not have ). The person would not give me her name and would only provide the last four numbers of a supposed account number ending in " XXXX ''. I ask for the date of the transaction and the person 's name because I will be escalating this matter to my attorney, she then hung up the phone on me. 

I have never utilized Check N ' Go and this person threatened legal action by escalating the matter to Small Claims court and that I could respond once I received the subpoena. 

This individual also referenced phone number XXXX XXXX XXXX XXXX. Due to the abrupt ending of the phone call I'm inclined to believe this is an ongoing scam. CONSUMERS BEWARE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Im now aware of checking my credit and removing anything that isnt mine. There is a charge off card from a JPMCB card with a balance and charge off of {$4500.00}. It was opened in XX/XX/2017 and now showing it is closed.

Company response to consumer: Closed with explanation