vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: NJ

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management has called me twice. 

Background : Im working with a company who settles debt. I signed up with them in 2019. My credit keeps jumping every month after taken a big dive in 2019. 

The debt they are trying to collect is a debt was sent to me via another credit collections agency, asking me to settle the debt for XXXX dollars. I sent that collection notice over to the company Im working with and they handled it being as the debt is showing on my credit report as settled. 

Not only is midland credit management trying to collect the debt for the settlement of XXXX dollars, they also threatened me by saying they have lawyers in my area willing to take action. They lied to me about not working with my current debt consolidation company, which they do because they have settled an XXXX account that I had, Once again this is showing as settled on my credit report. 

I also contacted my credit consolidation company about the matter and they stated that the debt has been settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I applied for an Installment loan with One Main Financial on XX/XX/XXXX. I was not ready to secure the loan after I was approved. Two weeks later I was ready to apply for the loan, and I called the office and spoke to the same representative. I was told that I had to reapply. I explained that if credit information does not change within 30 days, why should I have to apply? She noted that she thought it would be a " soft pull '' on my credit report. I have approved again for the installment loan. To date, I have two " hard inquiries '' from One Main Financial, XXXX XXXX, XXXX, and XX/XX/XXXX. After realizing the two inquiries were on my credit report, I notified the One Main Office, and they said they escalated my issue. I received a notice regarding the confirmation of the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent my dispute letters regarding inaccurate and false items on my credit report. However, I didn't receive any investigation taking place nor notification of it's results. Also, the investigation did not fix any of the occurring issues on my report. I feel like I'm being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was overcharged {$17.00} at a restaurant ( XXXX XXXX ) on XX/XX/2021 for a total of {$77.00}, the merchant refused to help me at the moment and pressured me into paying. I did not sign the receipt and put 'under duress ' on the receipt. 

I submitted a claim on XX/XX/2021 with BOA, that claim was denied recent for being in person and not proving I was overcharged. 

How can i prove that i was overcharged if the merchant did not want to help me? They would not give me a correct receipt and would not help me in person.

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 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XX/XX/2021 : I didn't request this inquiry. I called to XXXX XXXX  Customer Service and their representative told me he didn't know who to transfer my call. 

XXXX : I didn't request this inquiry. I already reported this inquiry as a fraud to XXXX, but it still appears on my Trans Union 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 2021-08-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2020 I paid off a {$12000.00} auto loan with XXXX XXXX XXXX XXXX XXXX Experian was taking a long time to update my credit report and still said I had {$3000.00} that I owed on the vehicle and I have paid that already I contact the Experian asking them to update my auto loan is paid off XX/XX/2020 they reported it was paid off but XX/XX/2020 removed it off my credit report and I've been trying to get it back on ever since I have proof that XXXX XXXX XXXX XXXX have been reporting this paid auto loan to my credit report and experience refusing to place it 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 2021-08-06 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: TX

Complaint narrative:
ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE

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 2021-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TX

Complaint narrative:
ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX AND XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE

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 2021-08-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX XXXX XXXX has called me twice. 

Background : Im working with a company who settles debt. I signed up with them in 2019. My credit keeps jumping every month after taken a big dive in 2019. 

The debt they are trying to collect is a debt was sent to me via another credit collections agency, asking me to settle the debt for XXXX dollars. I sent that collection notice over to the company Im working with and they handled it being as the debt is showing on my credit report as settled. 

Not only is midland credit management trying to collect the debt for the settlement of XXXX dollars, they also threatened me by saying they have lawyers in my area willing to take action. They lied to me about not working with my current debt consolidation company, which they do because they have settled an XXXX account that I had, Once again this is showing as settled on my credit report. 

I also contacted my credit consolidation company about the matter and they stated that the debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MI

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I a consumer or natural person pursuant Title 15 USC 1692a ( 3 ) contacted Columbia Debt Recovery LLC DBA Genesis Credit Management on the morning of XX/XX/2021 at XXXX XXXX  CST. 

My reason for calling was to seek compensation as an injured party to damages caused by Columbia Debt Recovery LLC. 

Columbia Debt Recovery LLC has admitted to requesting removal of trade-lines from the credit agencies to which they furnished information to without my consent, there is an attachment in this complaint with that admission.

Columbia Debt Recovery LLC has failed to rubute an affidavit which is in the attachments recieved at XXXX on XX/XX/XXXX. 

Pursuant to Title 15 USC 1692k Columbia Debt Recovery LLC is civilly liable to compensate me any amount for damages and violations against the FDCPA.

Columbia Debt Recovery LLC has also violated the FCRA 15 U.S. Code 1681n
- Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yesterday XXXX around XXXX. I received a call from Bank of America Fraud Dept phone number XXXX asking if I had been using my acct in Georgia . Obvious answer was NO. So I checked my online acct and noticed a transaction for {$4.00} debited and credited back to the acct. While on the phone with Bank of America Fraud Dept, I was told my online profile had been compromised and to change my password, I did not change password while on phone call. They had said, XXXX was transferred from my acct and to go to XXXX and send money back to my existing ACCT. So, I sent the money to phone number that corresponds to my Bank of America online profile. Again similar transaction for smaller amount of XXXX out of another account. I thought everything was fine. However, a few hours later my son and I had an over whelming feeling of deception. SO I reached out to Bank of America Fraud Dept. They had informed that I had been scammed. I couldn't understand how they could use my cell phone number to accept funds. I couldn't understand why b/c the phone number was sent to my number that corresponds to my Bank of America Acct. Completely devastated. Immediately filed XXXX complaints for both transactions with Bank of America Fraud Dept. Couldn't sleep last night, so I researched a bit of info. Comes to find out XXXX is owned by XXXX XXXX XXXX XXXX which is owned by Bank of America , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These banks are required to abide by Regulation E ( EFTA ) which covers fraudulent charges. However, it doesn't seem like banks are abiding by the disclosure requirements about their affiliation with XXXX. Supposedly XXXX doesn't have any Consumer protection for victims of crime. However, the banks promote XXXX with no protection, and Banks own XXXX XXXX XXXX XXXX.!!!!!!!!! This needs to be addressed b/c its dangerous and many more people will fall victim. Told me 10-45 days, with moderate results. At this time right now, this is a calamity. So I'm reaching out to everyone for assistance, ( FTC, FBI, CFPB ). Please help, someone has to be able to help. Bank of America, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter previously ( XX/XX/2021 to be exact ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MN

Complaint narrative:
I have had continuous problems with FlagShip Credit Acceptance. 1st started when I was placed on unpaid CoVid Leave. I called requesting a payment deferment. They said no problem, but my account had to be behind ( account was current ) and I had to pay {$130.00} for process the paperwoork - which I did. Then when I noticed that they never deferred my payment, I contacted them only to find out that they had no record of my contact even though I sent my request via registered mail, email, fax, and by phone. Then while catching my account backup, they blocked my online access to pay my bill - forcing me to make payments via U.S. Mail which taked several weeks for them to process thus creating late fees. My current statement shows last months payment not received yet and current months payment due of {$420.00}. Today, my account finally shows last months payment finally processed and should reflect current months payment not due yet. Instead it shows that {$95.00} is behind, and that current months payment reduced by that amount. If I make the {$95.00} payment, how can it reduce the amount that isn't due yet? Thus, they are forcing me to make my monthly payment early, or are charging me a {$95.00} a month fee to mailing my payment because they blocked my online access, In addition, I have recived robo calls from unpublished numbers from them requesting my bank information. They refuse to put anything in writing. THIS IS FRAUD AND PREDATORY LENDING PRACTICES AND POSSIBLY CRIMINAL!

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 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Servicing of our loan was transferred to Nationstar Mortgage XXXX, dba Mr .Cooper last fall. We always pay on time, and always pay much more than the minimum. They almost always mess up the allocation of our payments, so that I have to spend hours on the phone with them getting it straightened out. 

This is very annoying, and suspicious, since their mistakes ALWAYS are in their favor. 

Recently, their screw-up in allocating our payment resulted in them reporting that we were more than 30 days late making a mortgage payment, despite the fact ( which they acknowledge ) that we have always paid on time. As a result, our perfect credit rating is ruined. 

I desperately want a different servicer, and I fervently would like to see this horrible company get whacked for their misbehavior.

Company response to consumer: Closed with explanation