vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.

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 2020-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX not able to close the dispute with XXXX XXXX XXXX, I stayed in XXXX XXXX XXXX  ( XXXX XXXX XXXX ), during move out as per contractual agreement and final settlement I paid all the dues. 

After a year, Collection Agency came to me stating that there is some due around {$59.00} with XXXX XXXX as they forgot to add 1 day extra rent in my final settlement. 

I never get any communication regarding that due amount nither from XXXX XXXX via email/Mail/phone nor from Collecttion agency for almost a year. 

I disputed my claim with Collection Agency stating its invalid as I had my final settlement letter along with me. 

Also after a year XXXX XXXX cant come back with new new chargers. 

I submitted all the evidences to the Collection Agency, still they are not able to resolve. 



Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: SC

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion report . This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
On XX/XX/XXXX I noticed that a collections account was added to my credit report. This account was closed in XXXX and the last payment is listed as XXXX, yet a collection account is still showing On my credit report. I have contacted the lender as well as TransUnion but TransUnion currently has another non compliance issue in which they are manually investigating a dispute and although it has been over 30 days that existing dispute bars me from submitting another dispute to get this erroneous account removed.

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 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2020 I found out my account was negative {$100.00} and there were 2 pending Overdraft fees. Looking into my account further, US Bank charged me {$36.00} overdraft paid fee when my account was not in the negative. Due to this fee, I had 4 transactions ( less than {$20.00} each ) that made my balance go negative. I believe more overdraft fees will be posted soon. I know its perfectly legal for banks to rearrange transactions to maximize overdraft fees. If this happens I am responsible for the fees. Banks should also be held accountable if it was the other way around. They charged overdraft when my account was not over withdrawn and because of that overdraft fee being charge, 4 transactions went into the negative causing at least 2 more overdraft fees which are currently pending. I called and spoke to the bank but for some reason the computer wouldnt allow him to reverse the posted overdraft fee. This is not right. My account should never have been over withdrawn based on the order of the posted transaction which US Bank has 100 % control over it. This should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: AR

Complaint narrative:
ONCE AGAIN I.C. SYSTEMS IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP 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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN XXXX XXXX IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP 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 non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare has No help in place for their customers during this Covid 19 times they advertise on their front page thers help but all there is a Forebearance which demands full payment of owed amount after the period of forbearance which is NO help if one isn't working because of mandortary shut down by the state and government and we dont have an income how will we be able to pay back XXXX XXXX in 3-6 months most other banks is offering Deferment which is helpful and makes sense. 
SOMEONE PLEASE HELP I DONT WANT TO LOSE MY HOME due to this epidemic I been through it ALREADY IN 2008 I have called them and to no avail

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 2020-03-31 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Signing up for XXXX service at new home. They use SageStream , LLC which produced a letter noting a very low credit score, an incorrect spelling of my name and asked for a non-refundable deposit. 

I followed the " dispute '' details and faxed a copy of my drivers license. 

When contacting XXXX - no record of account nor details on this firm were noted. 

Now I am paranoid regarding a scam, infuriated regarding a credit scoring system not matching the ratings from the " big three '', and mad regarding a request for a non-refundable deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: SC

Complaint narrative:
On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, Equifax, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: NJ

Complaint narrative:
A balance of {$530.00} was owed to XXXX XXXX. It was sent to two collection agencies. XXXX and XXXX. I contacted XXXX XXXX to determine who to pay they a said I could pay them directly. Which I did, the balance was paid in full. Subsequently, XXXX XXXX reported that I owed them a balance and added a negative collection to my credit. This balance has been paid in full and confirmed so by XXXX XXXX. XXXX reporting a balance AFTER it was paid in full and continues to report this as an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
All documents for the short sale review were sent on XX/XX/20 to Shellpoint Mortgage Servicing and they confirmed on XX/XX/20 that they received them. Then on XX/XX/20, the point of contact ( XXXX XXXX ) confirmed that an appraisal has been ordered on XX/XX/20. On XX/XX/20 I spoke to the appraiser XXXX XXXX and he confirmed that the appraisal was conducted on XX/XX/XXXX and it was uploaded to the VA system on XX/XX/XXXX. The appraiser said that he spoke to the seller and was able to gain access to the property. So I asked the point of contact ( XXXX XXXX ) from Shellpoint Mortgage Servicing if the appraisal has returned and he said on XX/XX/20 that they are waiting for the appraisal report to be completed and uploaded on their end and to allow a few more business days. The point of contact ( XXXX XXXX ) rarely responds to our inquiry and he always, always responds after business hours. I can't even get an update by calling Shellpoint Mortgage Servicing because they will just refer us to the point of contact ( XXXX XXXX ) for updates. We can't imagine that the process for an appraisal can take almost a month to be complete. We are greatly concerned because we don't want the buyer to walk away because of this delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, XXXX, and Transunion to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.

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 2020-03-31 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: SC

Complaint narrative:
On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to Experian, XXXX, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.

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 2020-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX grad aiu Father passed military XXXX Loans should have cancelled out Parent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to mines Sister XXXX XXXX made POA didnt pay balance of XXXX XXXX just in case loans didnt cancel XXXX/ higher interest consolidation 9 % To 10 % /filed ch XXXX XX/XX/XXXX Inc loans still exist / work for non Profit Govt still exist Covid19 no interest should be added ** COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE anyone else. 

( XXXX ) XXXX consumerfinance.gov Learn about our complaint process Need legal assistance? 

United States Flag - mini An official email of the United States government

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: FL

Complaint narrative:
I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from Unifin. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to Unifin by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with a {$400.00} bonus promotion. The promotion was to be credited 45 days after fulfilling all requirements ; I fulfilled all requirements as of XX/XX/XXXX but have not received anything. I have contacted Wells Fargo executive offices on several occasions to resolve but have not received any resolution.

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My Transunion credit score drops almost a 100points for no reason once a year. It just happened this year! I'm not sure what is going on, I have filed numerous disputes with them, they never investigate anything. I want to find out how to file a lawsuit against them for dropping my score every year and have other people that will join.

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 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from XXXX. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.

Company response to consumer: Closed with explanation