vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AK

Complaint narrative:
I lived at XXXX XXXX apartments in Colorado. On XX/XX/XXXX I signed a Lease Modification Agreement stating a new lessee would be taking over the lease. I moved out of state at that time. In XXXX, a new lessee incurred a debt of {$380.00}. I first saw it on my credit report in XXXX during free credit report check. As soon as I became aware, I contacted XXXX  as well as XXXX XXXX XXXX XXXX XXXX Both took this debt off. When I applied for apartment in the year XXXX, I was denied several times. I was given a copy of my credit report and saw that the debt of {$380.00} was on XXXX  and XXXX  credit reports under a different company called National Credit Systems. I disputed it several times. I sent the Lease Modification Document to NCS and XXXX  several times, ant to XXXX  once. XXXX  and XXXX  refuse to remove this debt because National Credit Systems states that this debt is valid. THIS DEBT IS NOT MINE. I have called and sent several emails to NCS with attachment of the document that proves the debt is not mine. No reply. This debt is NOT mine, but National Credit Systems refuses to remove it. I also called XXXX XXXX apartments, and they confirm that the debt is not mine, stating that they neglected to send Lease Modification Document when they were filing for debt collection. On XX/XX/XXXX I contacted XXXX XXXX XXXX out of frustration and as a last resort, and NCS still refuses to remove the debt from my credit report. XXXX XXXX stated on XX/XX/XXXX that they have furnished NCS with a letter stating this debt is not mine in the previous week. It is now the next month, and NCS still have not removed this debt from my credit report. This debt, which is not mine, has resulted in me being denied housing several times. I need it removed from XXXX  and XXXX  NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened an account with T.D bank in XX/XX/2018! Which I deposited {$300.00} cash the day I opened the account. Before I could even use my account I was not able to use my card and when I called they told me to step into a branch and finally when I did it they said they were going to call the department that was handling my account and that I had to wait for them to call me and they didnt have a number to give me to call them! So the manager assured me that she would get in contact me to resolve this issue. While this whole time they were charging my account for the monthly fees of {$25.00} which I was only able to see through my paper statements in the mail! So I was getting charged for a account that I didnt get to use and being charged for it monthly! Its been almost 2 years since I first started this account! To this day XXXX still can not get an answer nor can I access my {$300.00} cash that I deposited into the account when I opened it so every month I keep getting charged for my account! Im not sure about you but I cant afford to spend {$300.00} and get ripped off by a big shot bank like T.D bank! Why I am being treated like I did something wrong! I have never been through something like this before I have never put my money into an account and not be able to access the money! Especially when they are charging me {$25.00} a month! So my {$300.00} just disappears and Im left with no explanation of how they can just take my money when I am an United States citizen and I have rights! I want all of my money back and I wont write a review telling their Customers how they treat people who dont have a lot of money! Or how they wont even acknowledge that they have my {$300.00}! They shouldve at least given my money back seeing that I wasnt able to use my account at all! This is ridiculous and I dont have any money that is extra to give criminals like T.D bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS WAS A PAYDAY LOAN I TOOK ON XX/XX/2019 BECAUSE OF HIGH INTEREST RATE I COULD NOT PAY ANY LONGER. WHEN THE STARTED IT BECAME DIFFICULT TO EVEN PAY. THE ON XX/XX/XXXX THE I FILLED FOR BANKRUPTCY THIS LOAN WAS INCLUDED. XX/XX/XXXX EQUIFAX NOW REPORT ON MY ACCOUNT AS PENDING ONGOING PENFDING COLLECTION. DESPITE THE FACT THAT ITS ON MY BANKRUCPTCY. THE CREDIT REPORT IS NOW AN ARM OF PAYDAY LOAN COLLECTION ANGENCY TO INTIMIDATE AND SUBDUE CONSMER TO PAY UP BY CROOKED REPORTING IN A SELECTIVE AND CACULATIVE MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a CFPB complaint { Complaint # XXXX }, to Experian, about a FRAUDULENT Hard Inquiry on my Experian Credit Report. The FRAUDULENT Hard Inquiry is from XXXX XXXX XXXX, dated XX/XX/XXXX. It is FRAUDULENT because I never DIRECTLY gave XXXX XXXX  XXXX permission to access my Consumer Credit Report. Experian and XXXX XXXX XXXX both refuse to delete/remove this FRAUDULENT Hard Inquiry from my Experian Credit Report. So my only chose was to let time take care of this FRAUDULENT Hard Inquiry. Federal Law require Hard Inquiries to be deleted/removed from Consumer Credit Reports in 2 years ; As of today, XX/XX/XXXX, it is well past 2 years, and this FRAUDULENT Hard Inquiry is still on my Experian Credit Report { See attached Experian Hard Inquiry 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 2020-07-04 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
Due to the pandemic of Covid-19, I contacted my mortgage company on XX/XX/2020 to let them know Im experiencing a hardship due to the pandemic. Ive been trying to see if I qualified for a special forbearance so I wont fall behind further in payments. Ive emailed them several times, I put in the request online as well. I still havent heard back from Loss Mitigation. I called my mortgage company again on XX/XX/XXXX and the agent told me that the request is in the computer, but wasnt sure why I havent heard back anything yet. I reached out to loss mitigation again that same day, and couldnt get through. I left a voicemail with my information to return my call, but still nothing. Im uncertain about what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: FL

Complaint narrative:
I contacted Experian several times over the past two years to get an account that was fraudulently reported on my credit report removed but to no avail. The most recent complaints were filed on XX/XX/20, XX/XX/20 and XX/XX/20. The results from the investigation to the creditor simply say 'The company that reported the information has certified to Experian that the information is accurate '. 

I've asked several times for proof the account belonged to me but have received nothing. The credit is a collection agency who is very hostile when you contact over the phone directly and only wants payment and refuses to communicate. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL 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 2020-07-04 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: U.S. BANCORP
State: FL

Complaint narrative:
Elanco Finl svc Was paid and I have been charge twice for the same bill by this 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 2020-07-04 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: FC HoldCo LLC
State: FL

Complaint narrative:
I have a used vehicle loan with FLAGSHIP CREDIT ACCEPTANCE since XXXX of XXXX. The lender is falsely reporting that the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. Lender 's own payment history on account demonstrates otherwise. FLAGSHIP CREDIT ACCEPTANCE processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX, and a processed a payment on XX/XX/XXXX. I have attached a print out of payment history from the lender 's customer portal on their site https : //my.flagshipcredit.com/Default.aspx? BrandingID=Flagship #! /paymenthistory. The payment history confirms payments during those months and also include payments made before and after as well. I have also attached canceled checks for those aforementioned payments. 

I have made a complaint through creditor that was not addressed by lender and I wrote lender a letter with attached proof pf payments via USPS return receipt letter that lender did not reply. 

The error is not only false but is severely hurting my credit score. FLAGSHIP CREDIT is implementing PREDATORY LENDING behavior as it uses credit history or erroneous payment reporting to harass and discriminate against borrowers. 

FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX  XXXX XXXX, TX 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 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: PA

Complaint narrative:
On XX/XX/XXXX I joined XXXX XXXX XXXX. On XX/XX/XXXX the gym closed due to COVID. The gym has not resumed providing services. According to the Pennsylvania HEALTH CLUB ACT { Act of XXXX XXXX, XXXX, P.L. 672, No. 87 ( 4 ) A provision permitting the buyer to cancel the contract if the health club facility closes for more than 30 days and the health club fails to provide a comparable facility within ten miles of the location designated in the health club contract. Upon receipt of notice of cancellation under this paragraph, the health club shall refund to the buyer all moneys paid in excess of an amount computed by dividing the full contract price, including any initiation fee, by the number of weeks in the contract term and multiplying the result by the number of weeks elapsed in the contract term }. According to the Pa Health Club act since the gym has been closed for over 30 days I can cancel my membership. The attorney general in Pa. further stated that gyms are required to refund memberships after cancelation is requested in writing by the member. On XX/XX/XXXX I sent a certified letter as well as an email letter requesting cancelation, to date, the gym has not reopened and due to COVID I do not desire this service for I feel it is unsafe. I sent a copy of the letter likewise to my credit card company. Citibank is a discriminatory banking industry that sides with the merchant. This is the 2nd matter that despite having proof that the company failed to provide services, they continue to fail to help me resolve this matter. Despite not receiving nutrition services or fitness services for almost two months, I paid {$2300.00} total. I requested to have {$1700.00} refunded for the remaining balances of services not rendered.

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 2020-07-04 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my 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 2020-07-04 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: NC

Complaint narrative:
XX/XX/2020 I sent a Method of Verification to XXXX, XXXX, and Transunion disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.

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 2020-07-04 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:
XX/XX/2020 I sent a Method of Verification to XXXX, Experian, and XXXX  disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.

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 2020-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Comenity bank- i have several credit cards issued through them. 2 have been closed for no reason, the others have had limits increased and decreased almost monthly. Ex I have a XXXX XXXX  credit card limit of XXXX paid it down to XXXX and they lowered my limit to XXXX. Which of course now looks like I am at 97 % to limit. They have done this with several of them if I use the card they increase the limit but when I pay it down they lower,. They say it's because of my credit score. Well if they quit doing this. My score would be a lot higher. They also keep messaging me stating its info i requested, i havent requested anything but for them to quit this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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:
Hello, 4, 30 day lates appear against my credit report, with transunion, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my 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 2020-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, 4, 30 day lates appear against my credit report, with XXXX, equifax and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: GA

Complaint narrative:
Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and experian which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my 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