vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
In XX/XX/XXXX I was told my loan will go into deferment so I wasnt going to have to pay anything for XX/XX/XXXX as I look at my credit report I see I have 2 late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX before my loan actually went into deferment in XX/XX/XXXX I feel like if I wasnt told that it will go into deferment I would have continue to pay as much as I could on my loan until it actually went into deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.

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 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consolidated Recovery Group, LLC
State: TX

Complaint narrative:
the amount that is trying to be collected from CONSOLIDATED RECOVERY GROUP is completely wrong they are stating this was a loan their are no loan documents to prove that I ever signed for a loan with this company or any other company they are committing federal fraud by trying to collect illegal amounts on a debt that they purchased from a third party I owe them nothing and they are illegally trying to collect debt and stating that I got a loan with CONSOLIDATED RECOVERY GROUP or their third party company they bought the debt from I was never loaned any money or signed a contract for a loan but this what is being reported to all three major credit bureaus.We have sent 5 of the same legal cease and desist orders to CONSOLIDATED RECOVERY GROUP via email and us mail for them to stop this fraud but to no avail now they are breaking the law and now a federal investigation needs to be started to stop this I will be turning this over to the FBI and filing fraud charges if CONSOLIDATED RECOVERY GROUP does not fix this today I have proof of all of their illegal actions and threatening and intimidating and illegal actions to defemate my character and my credit history illegally by using these tactics.I have all the amounts they are illegally trying to collect and report. CONSOLIDATED RECOVERY GROUP needs to Cease and desist all collection activity and have original creditor to contact me by mail and prove to me that I took out an unsecured loan with their company and the document needs to say that I applied for and got approved for an unsecured loan because I got my credit pulled for a loan from them or their affiliates and I never signed for a loan with them or their affiliates never.I have proof from the credit bureau they are saying this a charged off debt loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My ex husband XXXX XXXX was awarded this vehicle in our divorce. He was court ordered to refinance the loan and put it in his name in XXXX, but he did not comply. In XXXX he had the car repossessed and I was not notified. I found out after it was too late from him. BB & T never notified me or contacted me to let me know that they would be repossessing the vehicle. XXXX surrendered it without my approval. I never had a chance to fix the problem and was not aware that he did not refinance it until it was too late. It is now reflected in my credit as a repossession which is not a reflection of my true credit worthiness as I had no control over this. I would like the record removed from all of my reports on each credit bureau.

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 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I currently have a personal loan with Citibank. I made a full payment in XXXX, but according to Citibank, I'm still behind. I have spoken to the representatives of the loan department and they have not offered any remedies to resolve this debt as their correspondence has stated. They call me non-stop at all hours of the day. And recently, they've been calling and not saying anything. Saturday, XXXX, from phone number XXXX @ XXXX a call came in but no one said anything. The call terminated. On XXXX ( Sunday ) from phone number XXXX @ XXXX, the representative was adamant about receiving payment. and just this morning a call from XXXX @ XXXX XXXX came in, but no one said anything. 

A full payment towards this loan was made last month. During this Pandemic, this loan is not a priority, however, I am still making payments, I will not be harassed in the process.

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 2020-05-04 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: HW Holding, Inc
State: SC

Complaint narrative:
This collection company puts debts on credit reports that aren't accurate, resulting in denial of credit because this is a false reporting on my credit report. I don't ow any money to them or the companies they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX a purchase was made with my cash app card, for {$1000.00} at liquidators XXXX. I tried reaching out to Cash App for 2 weeks straight calling and receiving due to covid-19 we have reduced staff. Finally weeks later they responded to email saying I needed a police report. I called XXXX Police Dept. 3 times to be told I would receive a call from an investigator. At no point has Cash App offered to help me in anyway or credit my account while they investigate. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XXXX I received an escrow analysis causing my payment to increase for the fifth year in a row. I cancelled my insurance and obtained insurance on my own out of pocket. I contacted my navy federal credit union to cancel the escrow account, stating I have my own policy and the property tax will be handled by me as well. They have been extorting excessively high escrow fees for five years now! Im a XXXX veteran on SSDI. This escrow extortion has been out of control. Im nearly paying two months of principal, its outrageous. My principal is only {$530.00}, with escrow now, its {$900.00}. Thats insane, they make up some lies about the VA required them to have an escrow account. Since Im paying my own insurance out of pocket now, my escrow should at least reflect that, which doesnt.

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 2020-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: OR

Complaint narrative:
I have told Lendmark on numerous occasions that I live on the west coast and they continue to call me at inappropriate times ( before XXXX ). I have lived out here for 5 years. This should not continue to be an issue. I have paid on this loan the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: IL

Complaint narrative:
I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for XXXX XXXX  {$1700.00} & XXXX, XXXX XXXX XXXX  {$140000.00}, along with several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information.

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 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
HIPAA VIOLATION Alleged amount owed {$300.00} Alleged account # XXXX REMEX INC ... ..In XXXX of 2020 I submitted an AFFIDAVIT to REMEX INC ( copy attached ) for an alleged debt. REMEX responded with a claim of " verification '' ( copy attached ). They have failed to respond to any points of my sworn testimony, however their response itself and continued reporting of this alleged debt is a clear violation of HIPAA. They also failed to provide any documentation that validates this alleged debt.I requested a copy of their Business Associates Agreement.Also their claim of " verification '' can not be accepted without an accurate accounting to provide proof of the amount they are alleging that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I kept getting a statement and letter from this service, even though I have already asked them numerous times ( registered mails-to make sure they received my requests ), to please send me proof of the original contract, itemized, not a disbursement copy with my original signature on it. But this " Heartland ECSI '' with their account, " Covid-19, XXXXXXXX '' is completely ignoring my requests, instead, I kept getting notifications of payments with interest accumulation monthly. And also, this company kept sending this notice of payment to the wrong address. so, the resident of this address is literally upset and had already yelled at me because they thought that I have not changed my mailing address yet? Its been months, since I changed my mailing address ( XXXX of 2019 ) This situation is putting me on XXXX. The XXXX of the Corona Virus is enough for me to handle. 
I don't know what to do? Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On Friday XX/XX/XXXX, NewRez LLC was notified in writing via the online account contact feature on its website that I had previously made numerous attempts between XXXX and XXXX of XXXX to contact my previous loan servicer, XXXX XXXX, regarding the cancellation of my escrow account. On XX/XX/XXXX, NewRez replied to my request, and directed me to submit a formal request in writing which contained my signature. On XX/XX/XXXX, I submitted a signed, written statement to comply with their request. As of XXXX XXXX, I have not received any communication from them regarding the matter. 

As of XX/XX/XXXX, I became a XXXX and XXXX XXXX veteran. In the Commonwealth  of Pennsylvania, under Title 51, Chapter 89 Section 8902, any XXXX veteran who has been determined to be XXXX  % XXXX  and XXXX  XXXX due to military service during war or armed conflict, is considered exempt from all property taxes. I informed NewRez LLC previously that I had completed all the necessary paperwork and filing requests with the Commonwealth of Pennsylvania, XXXX County Board of Assessments, and XXXX XXXX XXXX, and provided a copy of the property tax exemption certificate. I then requested cancellation of my escrow account, along with a refund of all funds that had accrued within the escrow account. 

On XX/XX/XXXX, NewRez LLC proceeded to disperse {$1100.00} from my escrow account to the XXXX XXXX XXXX, despite my previous directives and requests. Because of my property tax exemption under the laws of the Commonwealth of Pennsylvania, the XXXX XXXX XXXX was not entitled to that payment. 

After several formal written requests, NewRez LLC has taken no action pertaining to to my previous requests regarding the cancellation and full refund of my escrow account. NewRez LLC has failed to both reply and comply with my requests, and have violated my rights under Tile 12 U.S. Code 2605 Subsection ( e ) and have caused irreversible damage 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 2020-05-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
AT & T Universal Credit Card, formally Citibank, continues to erroneously list an inaccurate " High Balance '' on my credit reports in spite of the fact that I've provided clear documentation to the credit bureaus clearly contradicting what they're reporting. 

They are listing a " High Balance '' of {$14000.00} in the past seven years in spite of the documented fact that my credit limit ranged from {$500.00} to {$2300.00} from XXXX to date. I've never had anywhere near a high balance of {$14000.00} with them over the past seven years and my credit limits clearly document that it would be impossible to have a high balance that is over {$12000.00} higher than my credit limit. 

Universal has refused to correct this inaccurate information in spite my filing numerous disputes with all three of the major credit bureaus. 

I am attaching a letter to the credit bureaus in addition to digital copies of four different statements that chronologically confirm my credit line over the past seven years, clearly making the high balance of {$14000.00} that they continue to report an impossibility. As I refuse to use this card until the situation is resolved I am carrying a XXXX balance on it, thus I have not received a statement from them since XX/XX/XXXX, which is included here for reference showing the credit limit of {$2300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 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: LA

Complaint narrative:
i look on my credit report and notice a item that is reporting inaccurate on my XXXX  and transunion report on XX/XX/2020 from XXXX XXXX  XXXX and have disputed to have this deleted from my record because its not correct. I would like for them to validate this error in question or delete it from my 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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
***ATTENTION THIS IS NOT A DUPLICATE COMPLAINT AND PER COVERSATIONS WITH CFPB THEY ALSO AGREE. PLEASE REVIEW AND RESPOND THANK YOU! **** To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Huntington Bank/First Merit. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
i notice some collections on my credit report that i dont recall having, so on XXXX XXXX, I sent a dispute letters to the company that is damaging my credit with items that i dont recall having and also has violated the Hippa Act by sharing my medical information with others that i didn't consent in doing. I'm requesting for them to validate the alleged debt within 30 days and verification from the original creditor with a signed contract with the creditor.i have letters attached that i sent to SMITH ROUCHON & ASSOC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
I filed a credit dispute on XX/XX/20 with Experian regarding XXXX XXXX. I have never had a mortgage or signed/agreed with XXXX XXXX for the said amount. All Experian did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing 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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
Via written letters, I have twice requested my credit report from SageStream , LLC, which states on its website that it " is a consumer reporting agency that is regulated by the Fair Credit Reporting Act. '' A SageStream report was used in a decision by a creditor to deny me credit. Therefore, pursuant to federal law, SageStream is obligated to provide me with a free copy of my report. 

I sent the written requests on XX/XX/2020 and XX/XX/2020. My first request was sent to the SageStream offices in both XXXX XXXX, CA and XXXX, AZ. My second request was mailed to its preferred address in XXXX XXXX. 

SageStream has failed to provide me with my credit report as required by federal law.

Any claim by SageStream that coronavirus has impacted its ability to generate my report is bogus due to the fact that my requests were made long before any state shutdowns.

Company response to consumer: Closed with explanation