vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 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: LA

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

TU, XXXX  and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,

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 2020-10-10 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: AES/PHEAA
State: OR

Complaint narrative:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: AR

Complaint narrative:
on XX/XX/2020 i sent Equifax a letter regarding inaccurate and unknown items on my credit report. This is not a regular dispute I have been waiting over 60 days now for a response from Equifax. I do feel as if I am being taken advantage of and my concerns do not matter. I understand by law that I should have received a response in a 30 day period yet its been well over 60 days and I havent received anything. I demand these accounts be removed for that specific reason. I will be filing for litigation if these matters are not addressed appropriately. My information was impacted in the Equifax data breach as well so information could have landed in someone with malicious intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: OR

Complaint narrative:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

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 2020-10-10 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: OR

Complaint narrative:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: OR

Complaint narrative:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

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 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Spoke with a unnamed collector at around XXXX XXXX from Portfolio Recovery Associates, about a XXXX XXXX Debt. In the last 7 days, I received several calls about this debt, even though I requested a Validation of debt. At least 3 calls took place in between this time. When I did get on the phone, I offered to settle the debt in order to avoid a complaint with the CFPB or FDCPA. Offer was refused, I then was transferred to the operations manager, a female, and we talked about the communication that proceeded after the Validation of debt. She stated that I had to give them something in writing to stop the communication. I asked her what FDCPA and CFPB have to say about the communication after a validation of debt has been requested, she stated that she I cant get into the legalities of that she refused to answer, than proceeded to state that she will go ahead and place a Verbal do not call on file advised her that will offer her 1 Opportunity to settle what ever balance she is discussing for {$120.00}. At this time, my request was already for a validation of debt, and she seemed to lack the simple understanding that a validation of debt, also serves as an automatic Do not call hence the term Validation of debt she is clearly in violation of the CFPB and FDCPA. I am no longer here to allow credit companies like this 1, to take advantage of people. Collection agencies require more regulation. Unacceptable that an operations manager would yield to not answering a question, about consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This person is calling my cellphone threatening me about a debt my little sister owes. I have no knowledge about the debt. The person is stating that I was listed as a " Secondary ''. They do not state what type of " secondary ''. I have not authorized anyone to use my name as a secondary to anything. The person calling is threatening to go to my home ( he verbalized my address ), report me to court as a missed court appearance. I have nothing to do with any debt that he is trying to collect form my little sister. I told the caller that they are calling the wrong person and they should stop calling me. The person continued to call me from a blocked number and leave a threatening message on my phone. They also left a telephone number stating if the call is not returned by noon the following day, they would go to court to say that " I '' was a missed court appointment. The number they left is XXXX XXXX XXXX referencing case # XXXX. They stated their name as XXXX, a process server.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 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 have noticed that on XX/XX/XXXX when I obtained my credit report of WRONG BALANCES REPORTED, WRONG VARIATIONS NAMES, WRONG opened dates of multiple trade-lines. I tried to get the wrong information fixed but no success all around.

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 2020-10-10 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: LA

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, XXXX and EQ has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: LA

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, EX and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,

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 2020-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
About 2 months ago, I received an account statement from a company called Real Time Resolutions from XXXX, TX, the statement said that I owed {$17000.00} from a Property in XXXX XXXX, which I never relocated to that state for anything at all. So I called and they said they would do an investigation and get back with me. As of this day, they have not done an investigation for this home, they even ask me for my social security number, and the person I spoke with said it didn't match my number, so why are they still sending me statements regarding this property, which I never been or will go to XXXX to live. I live in California all my life, and now that I am XXXX years of age, I have no plans of moving to XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to login to Experian on XX/XX/2020 and an error code was generated incorrect PIN, I know my PIN to be correct. after several attempts it then locked me out of the system. I went back and accessed the retrieve PIN page and verified my pin to be correct, as I knew it was. at this point I am unable to unfreeze my credit and I need it done today. I am under the impression it was required to completed in 1 hour? I can attest that XXXX also made it very difficult as I had to contact them by phone to complete the process. I believe these companies are intentionally making this difficult so we do not freeze our files which allows them to then profit from our files. Experian has no phone hours on the weekend so I am out of luck. This behavior should be illegal

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 2020-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Apparently According to TransUnion I'm required to pay XXXX $ a month to have access to my own Credit Report. I'm tired of these companies charging money for what should be accessible for free. I've logged on multiple times, had to change my password multiple times only to have them tell me I need to pay a fee to access my credit. BS! 

I want to have legal access to 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 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am writing about an issue of great concern regarding the manner in which Citibank processes their credit card payments. 

I have been a Citibank card holder since XXXX and, to the best of my recollection, have never missed a payment, nor have any payments been late. Thus, I am finding it quite troubling that since XXXX, XXXX, I have repeatedly incurred late fees and interest charges because Citibank claims they did not receive payment on time. 

All my payments are sent through XXXX XXXX, which guarantees that payments will be received by the date due. In the attached documents, you will notice that the XXXX, XXXX, and XXXX, XXXX, payments were actually deposited by Citibank on the date due ( the second of each month ). Nonetheless, I was charged late fees of {$25.00} and {$29.00} respectively as well as interest charges for late payment. I was also charged late fees ( {$29.00} each plus interest charges ) for  the XXXX and XXXX payments, although XXXX XXXX  payment was received on time. As you will see for the XXXX payment, Citibank did not process the payment until XX/XX/XXXX, so I anticipate that yet another late fee and interest charge will appear on next months statement. 

My calls to Citibank to resolve this issue have consumed hours of my work day and been largely unsuccessful. I did get the late fees for XXXX and XXXX credited to my account, but Citibank refuses to issue any other credits because they claim to allow only one credit a year. 

If I were to give them the benefit of the doubt, I suspect that they are slow in processing payments. Although payments arrive on time, Citibank does not note the date received, but only the date they get around to processing the payment. This strikes me as fraudulent and I can imagine there are a number of consumers who have been charged in the same manner but are unaware of the practice if they do not check their statements carefully. 

XXXX XXXX  contacted Citibank on my behalf ( a copy of the letter is attached ), but to no avail. In addition, the day after my last communication with Citibank, I received notification stating that I had requested they stop all contact with me regarding past due status on my account. I made no such request and, given the fact that I have never been late with my payments, I was not even aware that they employed such a process. 

I would appreciate your investigation into the matter.

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 2020-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Acura financial services was supposed to send my excess payment of total around {$640.00} I contacted them at least 8 times to resolve, always they say they will send it soon and nothing happens. I am working on it from XX/XX/XXXX to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been a victim of identity theft.

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 2020-10-10 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: CA

Complaint narrative:
I've been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was notified XX/XX/XXXX that Wayfair was closing my account with no reason attached. I sent a message to ask why it was being closed. It was opened in XX/XX/2020. All payments made on time and in full. They said that they were no longer doing business with Comenity Bank, the account would be closed XX/XX/2020 and the balance needed to be paid in full. There were secure messages sent back and forth about this. 

I called Wayfair, they said I had to contact Comenity Bank. I called Comenity bank and was told they were no longer doing business with Wayfair and my account was being closed and needed to be paid in full. 

I recently made some purchases that were on a promotional - No interest for 6 month. They said it needed to be paid in full by XX/XX/2020 or I will be paying the interest on those purchases. 

On XXXX XXXX they closed the account which dropped my credit score because of the percentage of available credit, and I still do not know why it was closed. I asked if mine was the only card being closed. No response. I have secure messages with me asking why and they only response is that Comenity bank is no longer doing business with Wayfair. But Wayfair is still issuing credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Signature Bank (NY)
State: NY

Complaint narrative:
Signature Bank holds my Mortgage Loan. Today I Refinanced it and their Loan is being paid off by the new Lender. However there seem to be a lot of discrepancies between what is shown on their web site and the Pay Off Letter they sent to the new Lender. For your ready reference both the documents are attached to this.

On their web site they show that the Unpaid Principal Balance is {$160000.00} and in their Escrow they show that they have a Credit Balance of {$380.00} in my favor. However in the attached Pay off they are showing that I owe them a total of {$160000.00}.

Including the Escrow Balance of {$380.00} in my favor, there is a difference of {$2700.00}, they owe to me minus the 10 Days interest at a per diem rate of {$21.00}, which amounts to {$210.00}.

So they owe me a net figure of {$2500.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX was paid in full this is reporting as collection account this was paid only shows one late payment how can it go to collections please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
This was a parking ticket with XXXX  XXXX University originally. All Tickets were paid in full. 

I was deducted {$30.00} from my account in XX/XX/2019 from my bank account without my permission this was not authorized by me and without me knowing. I would like that returned to me. 

Todd Bremer & Law XXXX Merchant Address XXXX SC XXXX In addition, they have sent me this letter attached saying that I owe an additional {$30.00} which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: FL

Complaint narrative:
XXXX XXXX XXXX account was open by someone who lived at a address at XXXX XXXX XXXX XXXX, FL I never lived at this address this address was not mine

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 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My personal information was compromised. I received notification from all three credit bureau indicating that my personal information had been compromised. There were accounts that were not paid with that showed up as collections on my credit report.

Company response to consumer: Closed with explanation