vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter via XXXX to XXXXS in regards to the bankruptcy listed on my ARS report. In response I received a letter back on XX/XX/2021 stating that ARS verified the " alleged '' bankruptcies through XXXX. However on XXXX website, they explicitly state " XXXX DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if XXXX is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? XXXX claims they get information from XXXX, but XXXX  doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. ARS in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
CFPB, My name is XXXX XXXX, XXXX. 
I have filed numerous other consumer protection scam and fraud issues to the CFPB, all unresolved. 
XX/XX/2021, my elderly enfeebled father, XXXX XXXX XXXX, passed away in hospice from a XXXX XXXX. 
XX/XX/2021, I received a suspicious USPS certified letter from America First dated XX/XX/2021 ( attached ). 
America First and single point of contact XXXX XXXX are extorting my deceased father for {$44000.00} by XX/XX/2021. 
I can not be certain of the information, validity, or integrity of America First in America Firsts choice to commit extortion, predatory revenue creation, and elderly abuse of my deceased father. 
XXXX XXXX and executors clearly need protection from the abuse of America First. 
Please allow this report to serve as a Cease and Desist order to America First. 

Please advise, XXXX -- XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Army & Air Force Exchange Service ( AAFES ), including XXXX XXXX XXXX ( XXXX ), I set up payment arrangements with AAFES and XXXX  ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for 2020 was garnished at USD XXXX. 

AAFES/XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, 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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: FL

Complaint narrative:
Took out furniture loan with a comp in Florida. Tried to negotiate with them in regards to the matter due to XXXX XXXX. They refused to work with me. They sold the debt to Avante USA located in Texas. Avante is the one I am writing this complaint about. Since they purchased this dept they have been reporting to all three credit reporting agency. What they have been doing since the start is the first of every month they are reporting that this is a new debt. They purchased this debt sometime last year. This company has been resetting this debt clock every month by falsely reporting the debt start reporting date they have been doing this since they bought it. If I understand the FCRA they are not allowed to do this. I only know about this company thru my credit report. I have not had any mail or contact with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX sent me a secure link to pay him but it never said XXXX XXXX XXXX XXXX 

I had made a contract with XXXX XXXX XXXX XXXX XXXX XXXX and that is where I was suppose to had sent the money. {$1000.00} Neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX provided me with any services. 

I filed a dispute on XX/XX/XXXX with my bank USAA against XXXX XXXX and the {$1000.00} payment. 

I also filed a complaint to the Alabama bar association on XXXX XXXX law firm on XX/XX/XXXX. 

I called Attorney XXXX many times and got no response. 

I have contacted Usaa bank a number of times about this dispute. Usaa initially issued me a temporary credit for the funds but now has reversed the credit. I asked Usaa bank to reopen the dispute because I never had a contract with XXXX XXXX who I mistakenly sent the {$1000.00} to. XXXX XXXX XXXX nor the XXXX XXXX XXXX  provided me with any services. 

I asked the Usaa bank to take another look at the dispute today. XXXX with the executive resolution team said that she resubmitted the information and asked that I be provided with copies of whatever XXXX XXXX XXXX XXXX provided to Usaa bank. 

The issues is clear. I never made a contract with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX never rendered any services to me. 

XXXX XXXX XXXX was who the contract was with and XXXX XXXX XXXX did not provide any services to me. This is what is in dispute and the cause to have all funds reimburse. 

Usaa is refusing to take a complete look at the contract to see who was in fact under the contract and who the funds were to be paid to and what service was to be rendered. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
TransUnion - Credit Reporting Company, TransUnion is reporting my XXXX XXXX XXXX XXXX XXXX XXXX  ) Account as {$3200.00}. 

The existing balance on my XXXX XXXX XXXX XXXX ( XXXX ) Account is {$1600.00}.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Coradius International LLC
State: TX

Complaint narrative:
I received a letter from American Coradius International LLC stating that I owed XXXX {$300.00}. I have never had a XXXX account. I have never used XXXX or even tried to go to their website. Also, it is my understanding that XXXX is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2021-10-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX  is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Moved to XXXX  from XXXX. Need the car title to register the vehicle in XXXX. Title & tag place I went to requested the title via fax, as per their website. I followed up 3 days after request was sent & was told that they didn't receive the fax. Was told to email the request to them, which was done over a week ago now. Spoke with rep there who said they received the request, but that they also needed a XXXX  DMV form MV-1 in order to provide the title, which is NOT true - that is the form to submit the actual title / registration change ( with the title ). Now I'm told that they actually do NOT need th

e MV-1 ( which is correct ), but that they never received the request for the title via email or fax, even though they verified that they received the email request earlier today! XXXX  law requires that the car be transferred to XXXX  within 10 days, and it's now 13 days that I've been going back & forth with them over this, with no end in sight. Now the XXXX  registration is also expired, so we can not even drive the car!!! I've made every single payment on time & am well past the time required by law to register the vehicle in XXXX  at this point. Despite talking to about 15 different people there over the course of the last 2 weeks & spending 10+ hours on the phone with them, they refuse to provide the title so that I can register the car in 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 2021-10-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I went to check my checking account this morning and it was open then when I checked it again it said account locked. I called Bank of America and they told me my account was closed and I asked why and they told me it was no explanation and it was a business decision. I had funds that was suppose to post today and also had {$10.00} in my account I cant access. First Friday they had a outage which caused my transaction to never be processed and me getting my car repossessed to this my account being closed for no reason while I had funds in 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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexisnexis, XXXX, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that lexisnexis receive information from a third party verification system known as a XXXX XXXX and then sells this information to other collection agencies. The XXXXXXXX XXXX  is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief.

Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: CA

Complaint narrative:
I sent in my police report and my notarized affidavit to the three credit bureaus and LexiNexis I received paper work from LexiNexis showing they have deleted the fraudulent account XXXX keeps sending me results saying the Company verified this fraudulent account when that is not true the company Lexis Nexis provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my Lexis Nexis file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to Los Angeles police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information XXXX is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.

Company response to consumer: Closed with explanation