vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, The scoring program used by TransUnion incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years. 
-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ). 
-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %. 
-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments. 
-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts. 

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. Transunion 's new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, 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 2021-09-01 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: FL

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 ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act. and as well as 15 US C 1681a ( 2 ) ( B ). 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 2021-09-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Billing Error according to the Fair Credit Billing Act ( FCBA ) Charges for goods and services you didnt accept or that werent delivered as agreed. 
In my case, XXXX, did not provide the services that were stated in the contract between XXXX and my company. 


I utilized Citibanks online dispute process on XX/XX/2019. According to the Fair Credit Billing Act ( FCBA ) the creditor must acknowledge my complaint, in writing, within 30 days after receiving it ( the dispute ), unless the problem has been resolved. Citibank acknowledged in an email, on XX/XX/2019, which was 31 days later. 

According to Fair Credit Billing Act ( FCBA ), the creditor, Citibank must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting my dispute letter. 90 days from XX/XX/2019 was XX/XX/2019. Citibank told me, they mailed the merchant, XXXX on XX/XX/2019, 38 days passed their 90 days of resolving this dispute. 

XX/XX/2019 is the date XXXX charged me, {$15000.00} for services for a retainer. Services that were stated in a contract and never received. I paid the full {$15000.00} charge on, therefore there were no finance charges. 

According to the Fair Credit Billing Act ( FCBA ), the creditor, Citibank may not take any legal or other action to collect the disputed amount and related charges during the investigation. Citibank did credit the {$15000.00} to me on XX/XX/2019, but then reversed the credit on XX/XX/2019, while the investigation was still going. Through many emails between me and Citibank, Citibank credited me the {$15000.00} on XX/XX/2019, but then reversed the {$15000.00} on XX/XX/2019. The investigation was still on going, but Citibank held on to the {$15000.00} while they were investigating. 

According to the Fair Credit Billing Act ( FCBA ), if the creditor, Citibank investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. This never happened. 

According to the Fair Credit Billing Act ( FCBA ) and creditor, Citibank who fails to follow the settlement procedure may not collect the amount in dispute. Citibank, as I stated above did hold on to the {$15000.00} while they were investigating.

Since Citibank has not followed Billing Error according to the Fair Credit Billing Act ( FCBA ) I would like Citibank to reimburse me the {$15000.00} that should have been refunded to me. Citibank, never closed this investigation as far as I know, they just erased it from the records.

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 2021-09-01 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 recently filed a report with XXXX, XXXX  and Equifax  of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This company is very poor service. They do not work with the consumer or give a detailed information. I did not give written consent or said any documentation and I am not obligated to this debt.

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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have written several times to these credit card companies since XXXX  in that these charges are fraudulent and that I did not authorize while I was not allowed in my home. IE. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These cards where at a XXXX  balance and numerous times I have written and even call the card company on the disputed charges that are now on my Credit Report. 

Also, I have informed the Credit Bureau of Identity Theft of my information that I have submit to the FTC and the Local Police and now I am receiving threats of inappropriate conduct of collection agencies calling me names and even insulted me by calling me using inappropriate language. The federal Fair Debt Collection Practices Act ( FDCPA ) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Being threaten that I committed Fraud and that I will be arrested ; this is a violation of this Act. LVNV Funding LLC and XXXX XXXX XXXX are both companies that have called me an threaten me with arrest due to fraud and used inappropriate language towards me. In that they were informed by the Illinois XXXX XXXX that their conduct is a violation of this Act. In that I also filed a complaint against them to the FTC for this action. 
Numerous times, I have file with the Credit Bureau and with XXXX XXXX, that the Veterans Affairs is responsible for this bill and that the VA had paid the company and still being harassed in a Debt that was the Veteran Affairs Responsibility. In accordance with the Act, this is not to be on my credit report and that its still there after 5 years of frighten with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PlusFour, Inc
State: PA

Complaint narrative:
I wrote a letter to PLUSFOUR because I saw an account I did not recognize on my credit. That letter dated, XX/XX/2021 was returned to me! That can not be! I sent the letter to the address reported on my XXXX  report on XX/XX/2021. They did not have their proper address reported to XXXX! That violates the FCRA! PLUSFOUR, who is a data furnisher, must report 100 % factual information about me to the credit bureaus! They have clearly failed! They can not even report their own address correctly! It also violates my right to dispute an account as granted under both the FCRA and FDCPA! I demand justice right now!

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 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Husband initiated an international wire transfer through our bank, XXXX, on XX/XX/XXXX. After delays and errors, our funds were returned to us. Still owing the debt, I initiated the international wire transfer on XX/XX/XXXX from our XXXX account. Bank of America is serving as their intermediary and repeats the same questions and can not comprehend the answers supplied and has delayed the transfer. ( We made two transfers to the same recipient and account from our XXXX account in XXXX and they were successfully transferred in the XXXX timeframe Swift dictates. ) We have spoken to every member of XXXX 'XXXX  Bank Operations Support Center. XXXX has communicated information to Bank of America by way of amendments twice now. Bank of America still holds our funds. This has cost us time and damaged our reputation.

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 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
Mariner Finance agreed to a reduced settlement amount after a prior CFPB complaint. I payed them the amount to close the account but they are still reporting a balance as well as having put a late charge on my account, when the account was already listed a " charge off ''. These vindictive moves have negatively affected my credit when my good faith attempt to pay off and close this account was a move to improve my credit and close out what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Since XXXX I have paid OneMain Financial {$1200.00} in interest fees. 

I have only paid {$370.00} towards my principal. 

Previously, around {$60.00} had been going toward my principal the past 2 months, only around {$30.00}. 

Is there not some sort of pay structure these companies have to follow? 

Can they just put whatever they want towards the interest/principal? 

I called them and told them they were going to have to lower my interest or come get my truck. Their reply was " we don't come get your vehicle, we're not in the used car business we'll just sue you for the money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Attachments are pertaining to EQUIFAX 's Business Risk Grade Service only. 
This is not about a Business Credit Report Correction. All 4 Business Credit Reports that Equifax Commercial has mailed us in the past year agree with My Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA having a perfect Business Credit. 

However, in the past year, Equifax Solutions we have found out from XXXX has repeatedly reported my Bushiness ' Risk Rating as a D. Even with the perfect Credit reports that they do have. 
Further, when we have investigated this Matter over and over with Equifax and even with a Complaint to the XXXX XXXX XXXX, Equifax did NOT ADDRESS our CONCERN about our RISK GRADE WHICH HAS NOW BEEN REPORTED BY EQUIFAX FOR ALMOST A YEAR AT XXXX. This is Unfortunate. I hope that Equifax will ASK XXXX to assist. And that together, they will properly review and Correct My Company, XXXX XXXX Risk Grade from the INVALID AND DEROGATORY D RISK TO THE A/B CREDIT RISK GRADE THAT WE BOTH HAVE AND DESERVE TO BE CONSIDERED BY LENDERS, Rather than Excluded because of Equifax 's FAKE, FALSE AND SLANDEROUS D RISK THAT THEY HAVE BEEN PERPETUALLY REPORTING FOR ALMOST A YEAR DESPITE OUR REQUESTS FOR HELP FROM EQUIFAX and XXXX TO RESOLVE. That they choose to Ignore dispute our protest and our Dispute. They just blame each other. PLEASE see all of our Attachments, Proof and Etc involving Equifax, our DISPUTED D RISK RATING ( NOT A DISPUTE BUS CREDIT REPORT- A RISK RATING, THE EQUIFAX KNOWS WHAT THEY OFFER Correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NJ

Complaint narrative:
I was scammed by a company on XXXX posing as a XXXX XXXX firm. I waited 30 days to dispute the charges after realizing they were a scam. They blocked me on XXXX. I reached out to Direct Express to file a dispute. They did. I received paperwork to sign and send in, which I did that following Tuesday. I kept calling and they claimed they didnt receive it. The last call they told me that the dispute was closed out. Were talking about {$790.00} in a scam charge and they refuse to even investigate it because THEY lost the paperwork. I record every call with Direct Express. The gentleman said I had to verify my account before opening the dispute again. I did. Instead of it taking 5 hours it took 7 days. In record every call - the email given to me by the rep was incorrect. They verified my account and I called back. A XXXX  rep spent 20 minutes on the phone giving me instructions on how to open back the claim to be investigated. She said because I stated they lost my paperwork and I refuse to say the post office lost it shes not allowing me to open my claim. I told her thats fine I recorded this entire conversation. This woman sounded XXXX XXXX, please listen to the recording. She slammed down the phone on me. I called back, this rep now tells me she doesnt know what Im talking about they dont have an email. I explained the situation and she looked over the account and said the claim is open but next to it there are 3 question marks and it says unassigned. What can I do about this company? The merchant are scammers. Professional scammers. XXXX them. Direct express wont even investigate it. This is a lot of money. What can I do as a consumer? I will be reaching out to the media with the voice XXXX recordings. Direct express refuses to investigate claims and their excuse is you didnt send the paperwork not to mention theyve been sued by federal courts for their financial abuse to XXXX individuals. I will not stop until I get every XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
There is a company IC System which is reporting a collection previously report to my all three companies. So far They have reported this XX/XX/XXXX, XX/XX/XXXX and again today on XXXX ( XXXX ). I sent a certified letter on XX/XX/XXXX to this company explaining why this should not be reported and a counter offer. I have not heard back from them. When I attempt to visit their website they are asking me for personal information - DOB, SS #, etc and I feel i should able to contact them with the account number on the letter - XXXX amd reference number XXXX, without providing additional information. I bel ; eive the account was sold from collection agency to this one.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to place a freeze on my Experian report and the website asked me some public record questions for security. I didn't recognize two of them but it said i answered them incorrectly. When i called the Experian contact us phone number ( XXXX ) on the website their system is setup to prevent consumers from reaching customers service. This is very obvious when you try every option and are still unable to reach a representative. Online will not work forme, since they want me to verify the inaccurate information they have on file. Even the IRS has a callback wait list option. Please try to reach them yourself to verify this scenario. I don't understand how they are trusted with such an important task and they have such a poor customer service interface. Now i have no way to correct this inaccurate information. Please help advise me as to who supervises their management of public 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 non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I am writing this letter to explain my concern regarding how credit card banking companies are handling customers for their profits. I have opened Bank of America XXXX XXXX credit card in XXXX and never had any late payments. Despite being very loyal to the bank and no misues, I have received an email from the bank saying " Unfortunately your credit card account has been closed '' on XX/XX/XXXX. This is very alarming to have these type of bank side frauds after taking XXXX  and XXXX  of dollars of Interest for being their customer for 6yrs and more now.

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I received a collection notice from Grant Mercantile Agency in XX/XX/2021 regarding a debt of {$300.00} from XXXX XXXX XXXX XXXX XXXX. This should have been paid by insurance, so I reached out to the XXXX XXXX XXXX XXXX XXXX to see why it was not and was informed they never sent it to my insurance, as they had inaccurate insurance information. 

I was told they would bill the insurance company and it would be taken care of. I didn't hear anything back and on XX/XX/2021 Grant Mercantile Agency again flagged my account as collections. I have not received any written or verbal communication since I addressed the issue in XXXX. I only now am aware it is once again in collections because of checking my credit report. I don't understand how this is back in collections, if it was sent to my insurance company and there has been no further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: PA

Complaint narrative:
I checked my consumer resport and I the consumer seen that there was accounts on my report that I did not give consent to be opened under my personal credit

Company response to consumer: Closed with explanation