vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
Trident Asset Management in the amount of {$420.00} showing opened on XXXX has reported on my XXXX  Credit report and I have tried several measure to contact the creditor and the credit bureau to dispute this account as Ive stated that this account is inaccurate and not belonging to me and the only response that I get back is that it is accurate but no proof is shown. They send me copies of delinquencies etc. but no proof showing that this account is accurate nor belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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:
I noticed fraudulent information on my credit report and promptly disputed the accounts with Transunion. They only acted by updating the dates despite being notified that no such lease was ever entered and being asked to produce such. Company is not making good faith representations and violating FDCPA/FCRA. 

In my credit dispute I noted that the debt claimed to be in relation to a lease and stated that no such lease existed, explained I lived elsewhere with a friend and also signed a lease shortly into moving in with him, and I provided a copy of the real lease of where I lived at the time that the debt collector claimed I was in another property. Credit bureau Transunion did not do any real investigation and the debt collector did not produce any lease or contract and Transunion as of today, 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 2020-07-05 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: KS

Complaint narrative:
XXXX XXXX I printed off a copy of my Experian credit report, through the annual credit report website. I have a collection account from XXXX XXXX XXXX already reporting on it for the amount of {$4200.00} XX/XX/XXXX, I get an alert from XXXX XXXX score of a new collection be reported on my credit report. I check and it is the same XXXX XXXX XXXX Account that was already reported on my credit report. Now being reported as a new account for the same {$4200.00} How are these clearing house allowed to do that? It is the same account. It is not new. It should not be allowed to be reported again. further damaging my score. How do i resolve this situation?

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 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I have multiple hard inquiries on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX These items are inaccurate because this was accessed in a fraudulent way. I am requesting that the item be removed to correct the information. 

Enclosed are copies of the removals to supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CA

Complaint narrative:
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( TRANSUNION, XXXX  OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU

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 2020-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, EXPERIAN OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU

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 2020-07-05 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: VA

Complaint narrative:
There are acounts listed on my credit report that do not belong to me. There are also inquries that do not belong to me. Remove these accounts and inquiries and do not allow fraudulent info to be reported on my credit.. Please send a copy of my updated credit report. 

To remove these fraudulent acounts fom my credit report, along with these unauthorized inquiries. Please send an updated copy once these items have been 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 2020-07-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are acounts listed on my credit report that do not belong to me. There are also inquries that do not belong to me. Remove these accounts and inquiries and do not allow fraudulent info to be reported on my credit.. Please send a copy of my updated credit report. 

To remove these fraudulent acounts fom my credit report, along with these unauthorized inquiries. Please send an updated copy once these items have been 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 2020-07-05 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have never had an account with the following financial institution nor any account associated with their collection services. 

Number XX/XX/XXXX Date Generated General Account Info Account Name PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$350.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$350.00} Highest Balance {$0.00} Terms 1 Months On Record UntilDec XXXX Payment History show tooltip button Tap a month for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc wont allow me to connect to applications

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
About 8 months ago, I filed a complaint about this company and my serious concerns that they have no competence related to protecting my personal information. I included 2 separate issues in that complaint - they addressed 1, but did not address the other, so I am having to file this complaint again. 

They have not sent me my 1098 in the mail. I have not been able to set up an online account, so I can not access the information online and now have to file for an extension to file my taxes. 

When I try to create an online account, it confirms my user-id, however it does not allow me to create a password - even with the temporary password they email me. It goes into a loop of repeatedly showing the same error message despite the new passwords they send via email. Their customer service is a nightmare to deal with and no one knows why this is happening or how to fix it. The calls run for a long time, the agents pass the buck to one another, but the problem is not resolved. 

Also, my property taxes are now due and they are to pay them out of my escrow account. I am worried that they may fail to make the payment as due. 

I would like to repeat what I had said previously - a company with such bad technology puts users at a huge risk of identity theft. I would like to request as strongly as I possibly can that they be investigated. They do not have the credibility to be a mortgage company.

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 2020-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was informed today, XXXX, the following dispute was closed : Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} .... A letter detailing dispute was not received by Citibank , according to rep spoken with in disputes dept.. As explained to rep, letters were in fact faxed to XXXX as well as mailed to XXXX XXXX  XXXX XXXX XXXX , SD XXXX. As I further explained to rep, the transaction appears to be a scam, the merchant claims the charge was declined at time of purchase, took the funds regardless, has not sent me item ordered ... The item is a XXXX XXXX XXXX, advertised on their website, it appears this is a XXXX scammer of some sort.. I've submitted a contact form inquiring about the charge, no reply received..There is no direct email or number to reach.. The rep whom took my claim at the time also agreed with me the merchant appears to be a scammer.. I've detailed entire information above in letters sent via fax as well as postal mail, I do not know why they were not received ... It appears there is a delay, possibly due to Covid-19.. The dispute ID for this transaction is XXXX. I request Citibank search their incoming faxes as well as postal mail for my letters or simply use the information contained here to move forward with dispute, issue a temporary credit, if possible.. I also request assistance with dispute ID XXXX, {$800.00} XXXX XXXX XXXX, do not have exact transaction date available to me, this item is in dispute for non-receipt of product which is also a XXXX XXXX XXXX.. It appears my dispute letter was received, according to Citibank rep, dispute still in process.. A rep I spoke with prior, on or around XX/XX/XXXX, stated a temporary credit would be issued on or around XXXX, it is now XXXX and no credit ... As detailed in letter, this item was deemed lost/stolen by XXXX, the shipping carrier, claim was supposed to be filed by shipper.. Unfortunately, the shipper is also out of country, located in XXXX, has not replied to my last email inquiring about XXXX claim and refund. A call to XXXX would be expensive and do not know if resolution would be made if called.. XXXX driver left package insecure location, without signature, there is no signature release, XXXX rep by the name of XXXX closed tracer out and advised me to have merchant file claim for loss, I emailed merchant several weeks ago, have not heard back in re.. This information is also in letter, received by Citibank. I believe there is some sort of delay due to Covid-19 on end of Citibank disputes team and or due to the fact these transactions are both foreign, difficulty in reaching the merchants in question..

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 2020-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I placed an order from Macy 's online for a bottle of men 's colone in the amount of {$100.00}. When the package arrived I could see that it had been damaged. Upon opening the package I discovered that the bottle was damaged and the liquid had escaped. The broken bottle was empty. I immediately filed a dispute with Macy 's online. As of this date Macy 's has not responded to my dispute. It has been well over 30 days and they have not responded to my dispute nor given me a credit.

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 2020-07-05 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: IN

Complaint narrative:
I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling XXXX and a lot of money, We were able to get 2 civil judgments in court against XXXX advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent XXXX a letter informing them of this along with the copy of the 2 court orders/judgements. XXXX disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted XXXX, they advise its good debt, and it stays on my credit report. XXXX has completely ignored the judge and his findings. The credit reporting agencies follow what XXXX says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to XXXX and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
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 2020-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company was with XXXX and now for the last 3 years it's with Mr Cooper Mortgage Co. Within the last few years they raised my mortgage payment 4 times and they always give the excuse it was due to escrow! 
Can you please look into this for me? 

Thank you, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
12 YO VEHICLE COMPANY TAKES ADVANTAGE OF WEARY CONSUMERS INCORRECT BALANCE AND PAYMENT INFORMTION IS BEING REPORTED TO THE CREDIT BUREAU EXORBITANT INTEREST RATE INITIALLY CHARGED AND NOT EXPLAINED PAYMENTS NOT BEING APPLIED CORRECTLY TO THE PRINCIPAL OVERCHARGED FOR AUTOMOBILE FRAUDULENT COMPANY PAYMENT IS {$620.00} ( XXXX APLIED TO PRINCIPAL AND {$360.00} TO INTEREST )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am applying for a grant, the grant entity needs my information to link my account to deposit the grant if successful, PNC refuses to allow this link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I have been using the XXXX app for payday advances well now PNC bank will not let me connect to the app. I should have a choice about what apps are blocked. Yes I understand letting me know that it has been accessed but let me make the decision to let it continue or refuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient failed to apply my approved borrow defense discharge to my student loans. They also failed to forward the approval letter to XXXX. I was approved for borrower defense on XXXX XXXX. Per the Borrower of Defense the approval letter was sent to Navient on XXXX XXXX. My loans were not completed to be consolidated and switch over to XXXX until XXXX XXXX. Navient did not submit any of my approved information to XXXX so my loans were never discharged due to their negligence. Navient continues to violate my rights .Navient states they no longer service my loan but failed to apply the discharge before it was transferred over and refused to submit paperwork of approval to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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:
I paid off a debt to XXXX XXXX XXXX but still shows on my credit report and XXXX  XXXX CC however my score should be much higher and I have over 66 months on time payment history and my CS should be higher I have different scores with XXXX XXXX and XXXX but with Experian its very low and I want to know WHY!!!! This is my problem and Im not going to play the XXXX XXXX but this looks very fishy to 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 explanation