vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
There is a debt collection on my credit report by ABSOLUTE RESOLUTIONS 1. It shows that it's in " active debt collection, '' but the collection amount shows {$0.00}. I paid off the debt in satisfaction to the debtor. It even shows that I paid {$25000.00} and it has been 100 % paid off. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: NV

Complaint narrative:
THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.

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 2021-08-11 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: NV

Complaint narrative:
THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Creditors Service, llc
State: WA

Complaint narrative:
Hello, Cascade Credit Services located in XXXX WA reported to my credit report in XXXX a debt of over {$45000.00}. I contacted them and disputed the charges from a previous landlord. The landlord never went to a court of law to enforce the balance he was initially claiming and I do not owe this debt. This collection agency said the debt was valid and sent over a handwritten piece of paper with a summary of charges from my old landlord, which wasn't acceptable. I asked for every receipt, invoice, and any other supporting documents to justify {$45000.00}. 

I was in communications with XXXX from Cascade collection services and after I requested those documents I did not hear back from him. I finally received an email from my old landlord 's representative and she had told me they were modifying what I owed. My old landlord had initially filed a fraudulent bill of charges to this agency and even after my landlord and his agent modified it down 75 % this company Is still reporting the " debt '', now what remains is a past due rent balance from XXXX XXXX XXXX XXXX rent, but was left unemployed due to covid and my old landlord knew that. 

My landlord had told me in XXXX that he's sympathetic to my situation but will need to sell the home, so I moved out. My old landlord has never gone to court to recoup the balance -- because he legally can not until XX/XX/2021. I have suffered extreme hardship these 3 months due to that {$45000.00} being on my credit report. I want this collection agency to cease fraudulent collection until a court of law can rule on any balances owed. This collection agency is also charging me interest and I have signed no paperwork authorizing that. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had an auto loan with Regional Acceptance for a XXXX XXXX XXXX  XXXX. The vehicle was deemed a total loss on XX/XX/XXXX. Regional Acceptance continue to report delinquent to the three credit bureaus although they were waiting for the settlement check from the insurance company. I spoke to several agents at Regional Acceptance that continued to ensure to me that there would not be a delinquent report on my credit report. The last representative I spoke with was named XXXX XXXX. She explained to me that I had to pay the remaining balance due on the auto loan with a renewal agreement and that there would no report of delinquency on my credit report. Regional Acceptance has made this process very difficult.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have some concerns, USBank Wealth Management product offered, secured against my own cash, and using the elite product offered, after 1 month of use I suffered from a 95pt credit loss. Looks like the liquid assets line of credit, had posted. Its reported as other vs equity line or remarks for adding secured Is there anything the bank could do to work on how it reports?

1. Liquid assets presentation 2. The loan policy on the product 3. Signed liquid assets line of credit agreement 4. Benefits Brochure of the product there have been multiple clients, 2 clients also that have this locally.

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 2021-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX

Complaint narrative:
I am still missing last months payment from XXXX i made a {$1300.00} dollar payment and the mortgage company has yet to apply it on my end the bank statement shows they took the money so i want to know where my money went and is this gon na happen every month i make a payment one is gon na get lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL CR UNION-XXXX-Credit card-XXXX-XXXX-XXXX  have not stop calling me after I send a dispute letter. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair credit reporting act ( FCRA ) 15 U.S.C1681 ( FCRA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have three mortgages with Mr. Cooper / Nationstar. When I make my payments I mail a payment coupon and a corresponding check with the account number clearly written in the memo section of my check. I submit all three checks in the same envelope. Because Mr. Cooper / Nationstar Mortgage has such poor accounting practices they misapplied one of my mortgage payments. They credited one account twice and neglected to apply a payment to one of my other accounts. Now they are saying I am in default and have blemished my credit with multiple 30 day late payment reportings. 

I contacted Mr. Cooper / Nationstar Mortgage and the service representative told me I needed to submit my payments in separate envelopes in the future and there was nothing they could do about my past payments and demanded I make additional payments to bring the account current or they were going to foreclose on me. Then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient will call multiple times a day, literally every hour. As of XXXX  today, XX/XX/2021, navient has called at XXXX, XXXX, XXXX, and XXXX. Since XX/XX/XXXX, they have called 22 times. These phone calls are excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Incident XX/XX/2021, $ XXXX+ lost,, No account access to Coinbase. Basically I was part of a sim card switch fraud where my phone was taken over for a period of time. During that time they gained access to my Coinbase account by using the XXXX  authentication since Coinbase uses your email address as the username and that is easily obtained by almost anyone. My Coinbase account was wiped out and they even attempted to transfer funds from my linked bank account. I notified Coinbase on XX/XX/2021 and they gave me a case # however as of today, XX/XX/2021, Coinbase has not given me access to my account and there is no response from them since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Asset Management Outsourcing, Inc.
State: MD

Complaint narrative:
I sent a letter on XX/XX/2021 explaining that there were some incorrect information on my XXXX  credit report from Nationwide XXXX  in the amount of {$1300.00}. I asked for the items to be removed. I then sent another letter on XX/XX/2021 asking again for the items to be removed. I have not received any response from XXXX  regarding either of these letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
This company Sequium Asset Solutions has taken excessive extreme actions to put major derogatory actions on my XXXX  credit report for at least a year now. This has happened at least every week to every 2 weeks that they put the major derogatory actions on my report. This has caused major damage to my XXXX  credit score. Someone has to put a cease and desist order to this company immediately to stop them. I have XXXX  this company and this seems to be a thing that this company does on a regular basis to so many people. Its crushing my credit. Please stop this please! Enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
We refinanced our house with a new lender. Our old lender, Alliant Credit Union, put our escrow account money ( {$2800.00} ) towards our loan payoff without getting our consent to do so. Therefore, our new lender paid Alliant, a balance that used the escrow money to get the mortgage balance lower. Based on the XXXX XXXX Timely escrow payments and treatment of escrow account balances, section ( b ) Refund of escrow balance, they are not allowed to do that and the money should have been refunded back to us directly. 

*The rep at Alliant Credit Union also let us know that they were in the process of changing their procedures of putting escrow money towards the mortgage balance, implying that their current process was not legal/had issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2021 I contacted Chime ( my bank ) to start a dispute # XXXX for a charge on my debit card for {$1900.00}. I called the bank a couple of days prior while the charge was still pending to stop payment and was told I had to wait until the charge cleared. I was told that the dispute process can take up to 90 days to resolve and was given a resolution date of XX/XX/2021. On XX/XX/2021 I contacted Chime to find out the resolution and was told the merchant has not responded ; therefore, the investigation team has not yet entered a resolution. The dispute agent sent a ticket to the investigation team and told me they have 3 business days to respond back to me via email. On Thursday, XX/XX/2021 I called Chime again because I still have not gotten a response from the investigation team. A dispute agent entered another ticket # XXXX I spoke with a floor manager in the dispute department just to be told the same thing -- he is sending a ticket to the investigation team for the resolution and they have 3 business days to respond via email. My hands were tied because I asked to speak to someone in the investigation department and was told they had no way of contacting that team. He entered another ticket # XXXX for the investigation team. He provided me an email address which I sent an email to and have yet to receive a response. On Monday, XX/XX/2021 I contacted Chime again and was told by the dispute agent that it is unacceptable that the investigation team is not responding. I was told that I should have heard back by now and that because the merchant has not responded within the 90 days the investigation team should have had a resolution by now. She agreed with me when I said I should have had my {$1900.00} back in my account. Again another ticket to was sent to the investigation team. Again, I spoke with a floor manager to no avail. I called again Tuesday, XX/XX/2021 to no avail. Today, I contacted Chime once again, spoke to a dispute agent who said she is going to escalate this issue to the investigation escalation department and I should receive an email in 1 to 3 business days. After she entered a ticket I received an email from a leader in the dispute department who writes in the email that they are currently working with the merchant to investigate my claim and that Visa allows 30 days for the merchant to respond to all inquiries. The merchant had 90 days to respond and neglected to respond so why is Chime allowing more time? I should have received my money back by now not provided with that answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Previous complaint # XXXX which stated : " XXXX  doesn't offer an option for consumer disclosure and has a fine print of " The XXXX  solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness. '' TransUnion responded in a non-sequitiur referring to credit reports. THIS IS NOT ABOUT MY CREDIT REPORT. 

XXXX  is a comprehensive report product offered by TransUnion - very similar to XXXX and XXXX. XXXX and XXXX rightfully offer disclosure under the FCRA but for some reason XXXX  believes themselves to be exempt. 

These comprehensive reports containing topics covered under the FCRA as they are used in background investigations, etc. 

If you're confused, the site for XXXX  is XXXX : XXXX As stated on the site : Who uses XXXX  Collections Attorneys and Law Firms Licensed Investigators Financial Services Insurance Corporate Risk Investigative Reporters Law Enforcement Government Repossession Industry Resellers As such , the reports contain data that are covered under the FCRA and must be disclosed accordingly.

It is owned and operated by TransUnion Risk and XXXX 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 2021-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: AL

Complaint narrative:
I sent in a letter twice one in XX/XX/XXXX and again XX/XX/XXXX about an account that was inacurrate reporting on my consumer report and when I received the results XXXX  deleted the account but Equifax and XXXX  are still reporting this inaccurate account after several attempts I received no response. I sent in MY 3RD request XXXX ago providing proof that XXXX  removed the account and still to this day I have received nothing from Equifax or XXXX. I ask that you please help me as this is becoming a hinderance to my livelyhood. I'm trying to move and this is keeping me from doing so. I should not have to keep waiting another 60 days for this to be resolved. I sent these letters certified mail tracking # XXXX and XXXX so I know they received it so what is the problem? I need answers and not excuses please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I didnt receive my Avant credit card until the end of XXXX. That is when the card was first activated. On XX/XX/XXXX I logged into my Avant account and there was no balance due, no statement and no pending transactions. The very next day on XX/XX/XXXX I log in my account it shows I am over my limit on my credit card, no pending transactions, and no statement available. I called the customer service line and I was informed my statement would be available in 2-3 business days. To much of my surprise I am trying to get someone to identify how my account was over the limit with no pending transactions showing or transaction history showing for the statement period ending on XX/XX/XXXX. This is the first time my card has reported to the credit bureaus and it dropped my score 20pts with a utilization of 111 % this has adversely affected my credit due to shady reporting tactics of Avant credit card company. I was finally able to identify why my card was pushed over the limit from an Annual fee of {$39.00} that was posted on the same day of the statement ending date. I dont have a problem with the annual fee however, shouldnt a consumer be notified ahead of time like other major credit card companies on this billing cycle we will be adding your annual fee? 

This is not a good experience starting out with Avant I have paid the overlimit fee down. However, I dont like that I couldnt see my transactions to identify all charges for the statement period were correct per the Fair Credit billing act I should have access to these charges at all times. 

I am uploading pictures of my account from XX/XX/XXXX with no transaction history or statement. 

I was told I would have to wait 14 days before I am provided some sort of an update from a resolution team and this is not acceptable

Company response to consumer: Closed with explanation