vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 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: TX

Complaint narrative:
In XX/XX/2020 I called XXXX XXXX it's an heating and cooling company for service/ installation services/ pricing- They never came out to assess my home, or discuss options for purchase However, during the process I allowed them to run my credit to see if I could finance, and was approved over the phone They wanted to rush me into making a decision, and into signing an online contract that was Emailed to me, I then stated that I will not be making any decisions for services at that time due to the fact that my intake needing widened or have a bigger one installed and that I needed to make sure that the electrical panel is up to par. They said that, we can do all of that for you I said no, because they were unprofessional and didn't have answers for questions and concerns that I had. The next day while I am at work they show up to my home, my husband answer 's the door, they tell him that they are there to install HVAC system, he once again told them that we hadn't agree on having services with their company and that they have been misinformed. The next day I called, no answer, just a voicemail. Several days later I received billing statment from XXXX stating that they had varified a complete and satisfactory delivery and installation of my equipment, which is far from the truth because my husband and I decided to go with another company that came out to our home, discussed pricing, and other service options and was very informative and professional. So when I got the letter I called XXXX, I spoke to a young man who said that his name was XXXX XXXX with my complaint about the bill for services that I did not receive or agree to He stated that it was an error and would be corrected. Well, 3 months later the bill shows up on my credit report for {$9000.00} pluses dollars. Please do what you can to reverse the changes because this is fraudulent, criminal activity and they shouldn't be in business! My name 's XXXX XXXX phone number XXXX Last 4 digits of social security # 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 2020-06-14 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: NC

Complaint narrative:
On XX/XX/XXXX, I recieved a letter from the Department of Veteran Affairs stating they overpaid me books and supplies for school for {$120.00} ( see document attached ). This was paid for in a timely matter in the letter attached. However, my Experian credit report classified this as a collection. I tried to resolve this in my Experian website account twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Instead of making any changes, Experian reflected the collection date to the date the dispute was finalized. Currently, my report is showing a debt collection of {$120.00} on XX/XX/XXXX. This reduced my credit score significantly and the collection date is obviously wrong since this overpayment was dated back in XXXX. This is the only previous account with a negative standing in my credit 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 2020-06-14 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: NJ

Complaint narrative:
I filed a dispute with Trasunion In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is XXXX XXXX XXXX. I informed TransUnion that I had no knowledge of this account. TransUnion decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and TransUnion decided against me this time and the collection account remains on my credit 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 2020-06-14 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I filed a dispute with XXXX In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is Credence Resource Management. I informed XXXX that I had no knowledge of this account. XXXX  decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and XXXX decided against me this time and the collection account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
The heartland ecsi received every month a check from my employer contribution in the sum of XXXX $ each month. However, they refusing to count it towards the bill and asking to pay another full bill. This is not what I agreed to pay back. If I pay payment that month in any day, they should be counted towards this month payment or at least the next one period. Im not going to pay more or less, this Loan service must do their jobs and comply with agreements that students have. Please address this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I attempted to initiate an in-store transfer in the amount of {$700.00} and i was told that it wuld cost {$61.00}. I declined and went on the western union app which would only charge me {$16.00} to send the same amount. The online transfer was canceled by western union with the reason of a business decision and referred me back into the store to initiate the transfer. These practices appear to fall under the UDAAP regulation as it unfairly targets low income and XXXX  who may not have access to the internet. To quadruple the cost of the same transfer is definitely an abusive act. When I asked them to provide a promo code so that I would a pay a similar price in store I was offered a 50 % discount which still would leave me paying double the online price. Their payment options need to be reviewed so that certain communities are not adversely impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This debt has been on my account for than the allotted 7 years. According to law, it should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Garcadia Financial LLC
State: CA

Complaint narrative:
I have had a loan with Foursight Capital for over four years now. The company adds fees on fees and fees two clients who have loans for automobiles and do not work with the client consumer to resolve these issues in a very amenable manner. The Company Foursight Capital is charging fees for being late in a payment when the payment was made in addition to another payment and that any payment made is counted as one payment and if the payment is twice the amount of one payment therefore it perpetuates the late fee from month to month to month. The company Foursight Capital has charged in some months three late fees and will not take the late fees off And adds more fees for calling to try and resolve the issue about the late fees and having made the two payments in one payment therefore each month there is a late payment fee at least one if not three or four late payment fees that the company is adding on those perpetuating the length Of time of the loan Therefore each time and make a payment to Foursight Capital in the amount of two times the payment amount XXXX at the beginning of the loan instead of it being counted as two paymentS it is counted as one payment indicating that the other payment is late and if he is added onto that and the other amount is added to the principal after all the fees are paid it seems as though I will never pay this loan off because theyre not fees that is added onto my account continues to mount every month because each month another fee is added on for a late payment that was made previously and every month that I am late on the fees paid is sometimes six or seven months of late payments in one month. 

Well I have taken out a automobile loan in the past I have found agents of the finance company to be amenable to the idea of taking for years off and not adding fees on to the total amount know this company never takes off of fee and never is helpful to managing they will not consider reducing the high interest-rate they are charging even though I have been making these payments and making the famous on time for years they are out to continue the lawn and ruin my credit so I am not able to obtain another loan not even from them even though Im paying all their fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I paid a XXXX debt to work and Lentz I called and they verified multiple times it was paid in XXXX but will not update Credit report I have disputed it 3 times they still say I owe it to the credit bureau I asked for a paid in full letter they said they cld mail but not email Have never received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: GA

Complaint narrative:
On XX/XX/2020 I sent Experian a certified letter disputing four erroneous items listed on my credit report. I provided a dispute reason for each item and requested for the information to be removed from my credit report. I also sent validation of debt letter certified to each collection agency requesting documentation with my signature to prove the debt belonged to me. The collection agencies failed to respond to my request after 30 days, which means they do not have any documents with my signature and the items are un-verified. Experian also did not respond after 30 days, so I sent another letter to them on XX/XX/XXXX requesting the items be removed. On XX/XX/XXXX I received a letter from Experian stating the items were verified. I responded by sending Experian a certified letter on XX/XX/XXXX requesting supporting documentation or a contract as proof of the items are verified and asked for them to respond within 15 days. Experian received my letter on XX/XX/XXXX and have yet to respond to my request. On XX/XX/XXXX I sent my 4th letter to Experian again asking for these items to be removed. Experian is trying to stall the process and it is extremely frustrating. They are damaging my credit by keeping this unverified information on my credit report even though they have no information to prove that it is accurate. I need this information to be deleted immediately.

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 2020-06-14 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV funding has continued to update this collection account, as well as recently " closed '' the account, but they are also still showing a balance. " On my XXXX  report they reported they closed the account on XX/XX/28, but also is still reporting a balance. They have also used 2 different collection agencies to send me letters in an attempt to collect the debt. And on the bottom of both letters it reads, " LVNV can not report this debt to any credit bureau ''. They were successfully removed from XXXX  due to incorrect information. However they still remain on my XXXX  and XXXX. They have referred this account to another collection agency that is sending me letters. Attached is the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2020-06-14 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: GA

Complaint narrative:
I recently sent a letter in XX/XX/2020 to this creditor asking for verification. I never received a response back from this creditor that is reporting on my credit report. I first had to due the research on my own to find out who this creditor is because on my Equifax Credit Report it doesnt show the creditor name or address information whos is a violation according to the FCRA. I also sent a letter to Equifax on XX/XX/2020 stating the inaccuracies with the unknown creditor listed on my credit report and I have yet to get a response. Please see attachment of the letter I sent to the creditor and the credit report showing the unknown information for this creditor reporting to my credit file. I have no knowledge of this account as it should not be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
XXXX XXXX XXXX has two accounts on my credit report. One from Midwest Recovery Systems and the other from XXXX XXXX XXXX. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: VA

Complaint narrative:
Square Inc. Cash app has locked my account. My account has been locked and I can't access cash app support. They will not email me back. I have money stuck in my account. I have tried to contact them several times. And no proper response. My email is XXXX. my phone number XXXX. My cashtag is XXXX. Please contact me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I placed three orders on Wayfair.com using Wayfair Card. The orders were cancel next day ( more than month ago ) and never received, but refunds for those orders weren't processed and I've been charged a late fee for orders I've never received. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I fell behind in making payments to Citi Cards. We negotiated a mutually acceptable payment plan in which they will auto draft an amount every month from my checking account. The account is closed and the monthly payments will pay off the balance in full. 

Their records continue to show the old minimum amount due, which is not correct. The old minimum amount due is a higher amount than the amount that will actually be deducted from my account. The minimum amount due should be the same amount that will be deducted from my bank account, not some higher amount that will continue to show as past due. 

They have indicated they can not change the original minimum amount due, even though there now is a new minimum amount due, which they will be auto drafting from my bank account. They say they will be reporting the old minimum amount due as " past due '' every month to the credit bureaus. 

They should not be further damaging my credit standing by continuing to report the old minimum payment amount as past due, when they have agreed to a payment plan that will pay off the balance in full.

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 2020-06-14 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: MI

Complaint narrative:
Review ComplainXXXX # XXXX for specific details. Complaint was prematurely closed as the issue outlined in the original complaint was not address by TransUnion. TransUnion 's automated credit scoring calculation tool is inaccurately calculating my credit score and as such TransUnion is misrepresenting my credit worthiness in commerce and has caused me or the potential to cause me financial hardship. 

Attachments associated with this complaint can be found in the original CFPB complaint number XXXX submitted XX/XX/2020.

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