vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: A-1 Premium Acceptance, Inc.
State: TX

Complaint narrative:
In XXXX of 2021, I accepted the loan terms for a payday loan with King of Cash. When it became clear in late XXXX that I need assistance to pay off this loan I sought support from a debt resolution company. 

In accordance with the policy of the King of Kash organization, I completed a written letter revoking ACH authorization in XXXX of 2021. I received confirmation from King if Kash and a debt resolution company began negotiating and making payments on my behalf. 

During this time, King of Kash continued to debit my account according to original terms of the contract. When I called in XX/XX/2021 to report this error, they apologized and asked if I wanted the funds returned - approximately {$800.00}. I said no, they could keep it and apply to my principal balance. I did that as a show of Good faith that I had every intention of paying the remaining debt. That was clearly a mistake. I was assured it would not happen again. 

It did happen again about 3 weeks later for {$450.00}. My bank blocked the charge at my request. King of Kash then proceeded to try and process over multiple days various smaller amounts to try and get around the stop payment. I was in contact with them many times during this period. Often times getting an apology and a promise that it would not happen again. 

In XXXX, they were successful at bypassing the stop payment by putting in multiple charges against my account totaling {$1100.00} all in a single day. Even if they were sticking to the original agreement ( which should not have been the case ) this was the wrong date and more than twice the originally agreed payment amount. 

When I contacted King of Kash, after multiple times of pushing me off with promises of call backs, they finally agreed it was an error and they would return the funds immediately. I was first told 1-2 business days and now the days are passing and its becoming clearer they have no intention on actually doing anything. There is one customer service rep that has attempted to help, but my sense is that she is either not being truthful or her bosses are not being truthful with her. I can not claim to know which is reality. She seems genuine. 

Additionally, the previous funds I allowed them to keep seem to have gone missing and dont appear to have been applied to my account. 

I have attempted to resolve this with the company through no less than 25 phone calls over the last 3 months- often waiting on hold for more than 30 mins each time just to be transferred to a random Voicemail. 

I dont see an end in sight and they keep attempting to debit my account on random dates and for random amounts regularly with no notice. I dont know what else to do other than just close all my accounts at this point. It has created an enormous amount of stress and financial havoc in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
I was notified by my insurance company that the mortgage company did not pay the insurance even though there is plenty of money in my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
XXXX ) Illegal and Unlawful Home Sale while XXXX is under Federal Bankruptcy Protection XXXX ) Illegal and Unlawful Notices place on XXXX where Agent committed Trespass and Fraud XXXX ) Corporations, Agents and Attorneys are lying, misrepresenting themselves, and committing XXXX crimes XXXX ) Corporations, Agents and Attorneys are threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.

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 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.

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 2022-01-31 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: GA

Complaint narrative:
I sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX of XXXX I received a collections letter from XXXX XXXX regarding a bill of {$840.00}. The collection was sent by PayPal, with charges from XX/XX/XXXX and XXXX XXXX. There were XXXX different charges amounting to the {$840.00}. I've only used paypal for small charges and money transfer between friends. I am able to provide a copy of all paypal charges under my account. When I called the collection company they provided an email of XXXX used for the transactions and I have no idea who that is or how they got ahold of my account info. I've reported this to PayPal and they sent me forms to complete to identify the fraud However they responded that the charges were valid. I also reported this to the debt collectors and they are requiring I fill out paperwork as well as file a police report to send in. I am currently doing this process. I have also completed a submission with XXXX  The transactions are as follows - XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Bridgecrest Credit Company LLC XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Bridgecrest ). Making the report is NOT INCLUDED on my consumer report! 
Debtor ( Bridgecrest ) issuing the auto loan is a transaction that is illegally reported on my consumer report by the person ( Bridgecrest ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Bridgecrest HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS. 
You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, 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 2022-01-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi sent me a letter and fraudulently closed my credit card account that I have had since 2018 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very XXXX  that the card was shutdown.

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 2022-01-31 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: NV

Complaint narrative:
Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my TransUnion credit report. They said I need to contact the XXXX XXXX XXXX and get a report. When I tried that I was sent to XXXX website. TransUnion also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX Bank on XXXX XXXX ( XXXX ) XXXX the other is XXXX XXXX on 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 2022-01-31 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:
This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX XXXX, PAXXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX  XXXX  XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?

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 2022-01-31 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: TX

Complaint narrative:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian today on XXXX, XX/XX/2022, around XXXX P.M. XXXX. I was on an extremely long hold. I finally got to a fraud dispute agent. At exactly XXXX P.M. XXXX the agent stopped talking and all I heard was the sound of static. Experian disconnected the call. This has happened to me on innumerable occasions and it is unacceptable. This is an unfair business practice. Im tired of Experians dropped telephone calls. I call XXXX and XXXX just as often and never once had a call disconnected. My telephone calls are constantly dropping exclusively with Experian.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MD

Complaint narrative:
I purchased an item for XXXX However I paid for this item through XXXX I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
XXXX weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the XXXX They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over XXXX people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told XXXX this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from XXXX. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from American Coradius international LLC ( a debt collector ) about the funds XXXX  is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow XXXX  to destroy it. 
This complaint is about XXXX for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
XXXX for not making sure their customer actually received the item that they purchased and lastly American Coradius international LLC for buying this " debt '' in attempt to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TX

Complaint narrative:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey my name is XXXX XXXX XXXX XXXX and Im here to report a fraudulent XXXX credit account that was opened using my information. 

This account was then maxed out and charged off by the XXXX credit company. 

This account has negatively impacted my ability to obtain good credit. 

I disputed this account with XXXX XXXX XXXX deleted the account so how is it that TransUnion and XXXX still reporting it?! 

This account isnt mine and it was fraudulently opened! Please removed this account from my credit Reports by TransUnion XXXX XXXX 

Thank u

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 2022-01-31 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: CITIBANK, N.A.
State: UT

Complaint narrative:
CITIBANK CBNA is reporting an account on all 3 credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all 3 credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus account.

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 2022-01-31 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:
This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX, XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?

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