vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21

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 2021-11-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have opened a case with the CFPB with XXXX as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from XXXX on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the XXXX family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of XXXX  Financial Services XXXX Subject : Re : Your Inquiry to XXXX  XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of XXXX  Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX Executive Office of Customer Advocacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TN

Complaint narrative:
I have opened a case with the CFPB with XXXX as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and Experian moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from XXXX on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the XXXX family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of XXXX Financial Services XXXX Subject : Re : Your Inquiry to XXXX  XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of XXXX  Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXXXXXX XXXX, ET. 

Sincerely, XXXX Executive Office of Customer Advocacy

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 2021-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
In XX/XX/XXXX I enrolled in XXXXXXXX XXXX XXXX. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX contacted me on XX/XX/XXXX to sell the loan for 1 month of service to XXXX. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with XXXX  I called XXXX  on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  XXXX agreement with XXXX XXXX  took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement. 


XXXX  sold this loan to XXXX Connect for servicing. I received no notification of service transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
This complaint was previously submitted by my husband on my behalf. Toyota Financial 's response was to obfuscate and avoid the issue by saying that he wasn't authorized to act on my behalf. The issue remains without resolution and needs to be addressed.

Complaint Regarding Toyota Financial Services ( TFS ) and Collection for Personal Property Taxes ( PPT ) my husband and I have been trying to resolve an issue related to personal property taxes assessed on the lease of a XXXX XXXX XXXX. The lease has expired and the vehicle was returned without issue on XX/XX/XXXX. In early XXXX I received a bill from TFS for my share of property taxes for the 1st half of XXXX, listed as {$100.00}. I have no issue with the fact that some PPT is due, rather the issue is related to the amount and determining the appropriate calculation. Because I doubted the accuracy of the {$100.00} amount we called TFS to ask for a copy of the tax bill and an explanation of how the amount due was calculated. After going through the on hold period we opted for a callback which I got about 2 hours later. Unfortunately, the representative was unable to provide the specific information but he promised to have a copy of the tax bill mailed to us so that I could do my own calculations. What I received was another copy of the bill for {$100.00}. Today we called TFS at XXXX and opted for a callback after being informed there was a 1 hour and twenty minute hold time. I received a callback from XXXX at ( XXXX ) XXXX at XXXX. Unfortunately the call disconnected before any meaningful information was shared and I have yet to receive another callback ( its XXXX now ). Now this may seem like making a mountain out of a molehill but if TFS is arbitrarily billing customers for PPTs that are inflated and inaccurate they are unlawfully profiting from their customers. My husband called the county tax office and verified that the PPT on that vehicle for the 1st half of XXXX was {$190.00}. TFS was initially billed for the entire period but was sent a corrected prorated bill of {$83.00} based on a disposition date of XX/XX/XXXX. Because we returned the vehicle on XX/XX/XXXX, my calculation says that were responsible for {$58.00} ; certainly not {$100.00}. I dont want to make unfounded accusations but sending bills for XXXX without corroborating documentation showing the validity of the charges is a questionable practice. Add to that a customer service organization that is next to impossible to reach and very unhelpful when they are reached and you have a recipe for frustration that likely leads most customers to just pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The Consumer Protective Agency was contacted regarding old accounts on my credit report. To date, Equifax has only removed one.  That was XXXX XXXX yet refuses to remove the other accounts older than 7 years. If the accounts are closed and I no longer do business with the organization why is the accounts still being listed. As I stated before this institution uses redlining to block XXXX Americans from obtaining credit. In addition, they keep old accounts listed, use derogatory statements that they add as well to block people of my XXXX background from obtaining credit. 
We have several accounts from DEPT OF Education that was closed. Some accounts were consolidated. Unclear as to why Equifax does not understand this. I am requesting for all accounts over 7 years old to be removed. Equifax in an attempt not to remove the old accounts changed the dates so it can be listed longer. 
In addition, there is a six-month exclusion rule. If an account is scheduled to drop off in six months the exclusion rule applies. I am requesting the exclusion rule to be applied to XXXX XXXX. The account was opened in XXXX and is scheduled to be removed in XXXX, of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Was not notified of investigation status or results
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I received in the mail a letter from midland credit which mentioned legal action could be the next step multiple times. This is the second letter I have received from this company, the other one was very vague and looked like a scam. 

This letter received yesterday, was dated XX/XX/XXXX. It does not have a postmark on it and was delivered on XX/XX/XXXX. It demands a reply or payment by XX/XX/XXXX. 
I receive delivery notifications by USPS through my email and have attached that notification in which an image of the envelope was shown in an upcoming mail delivery preview for XX/XX/XXXX. 

I believe this company is engaging in tactics that violate my rights. I have still not received a validation letter in the mail after initially requesting one months ago after receiving one letter with limited information from this company. 
I am again requesting debt validation by mail today and have attached those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against Equifax, XXXX, and XXXX. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while XXXX shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
This debt is past the 7 year mark. Company dropped it from my credit then reaged it as if it were a new debt. Debt is from XXXX and is now being reported that it was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I reached out to Certified Services Inc and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: U.S. BANCORP
State: PA

Complaint narrative:
US Bank was the lienholder for our new XXXX. We traded the truck for an SUV. After the payoff was made to XXXX, they sent us a loan statement that our account was closed ; however, there was accrued interest which was not refunded.

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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
On XX/XX/2021 I reached out to IQ Data International and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Rocket Mortgage LLC has incorrectly included PMI payments on my current mortgage. I initially contacted them by phone on XXXX XXXX. After waiting the till the next months payment. The PMI was deducted again from the escrow account. 

I sent them a letter on XX/XX/XXXX under XXXX XXXX Notice under XXXX C.F.R. XXXX. I have attached it for reference. 

I have yet to receive either notice of receiving my notice of error or a decision from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
I have a past due balance with Sallie Mae however I have been making {$200.00} a month payments. Sallie Mae is still calling me every day and also emailing me. That is abuse. I cant give Sallie Mae any more money than I have. Everyone has been affected by the coronavirus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
Ive been having trouble the past two months with no having my on time mortgage payment processed for Fifth Third Bank because I owe a surprise new amount for escrow. The communication of the escrow analysis change has been poor but understandable because of USPS delays and that I havent set up an online account yet ( my mortgage was bought by them recently ). The adjustment to the escrow didnt align with when my property taxes are adjusted or with an insurance renewal so I was confused why it would change. Yesterday when I was able to talk to the escrow team on the phone, they told me that it was their process to hold twice the amount of the total of my projected property tax and insurance costs in the escrow account. So I paid the overall shortage of {$270.00} and my mortgage payment is also increasing by {$16.00} every month. It doesnt seem right that they are about to hold double what I am projected to owe in property tax and insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL TO THIS COMPLIANT. 

I sent a letter on XX/XX/XXXX but no response from Transunion. I will send the letter from XX/XX/XXXX and a new dispute letter with dates XX/XX/XXXX. 


The following accounts are violation of my consumer rights and causing me pain an suffer to buy a home for my family! These accounts were remove by XXXX and XXXX due to violating my rights.. I'm expecting same results from Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dpt EDXXXX XXXX PLEASE SEE ATTACHED ALL NECESSARY DOUCMENTATION

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