vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
report paid in full i file a disputed on transunion credit rental data also they said they can not update my report even whit the paid in full letter call later to the debt collectors and they said they only can do a letter for me thats all they cant do anything about it still show in my credit report in rental area

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 2021-08-05 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow Navient reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from Navient showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX Navient began the collection process for the same account. You can't collect on a previously settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Using cash app I was to purchase Bitcoin and then send it to this cash app address : XXXX I sent {$260.00} on XXXX and {$70.00} on XXXX to XXXX XXXX XXXX. He was supposedly the one who upgrades software for this job opportunity at XXXX XXXX. I was referred to him by a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: IL

Complaint narrative:
There is a 30 day late payment reported on my XXXX  and XXXX  report and a 60 day on my Equifax. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.
Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then tr
ansferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and
" we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be
connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: IL

Complaint narrative:
There is a 30 day late payment reported on my Experian and XXXX  report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX  on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years. 

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue. 

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute. 

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

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 2021-08-05 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

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 2021-08-05 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am the victim of identity theft and got sick during XXXX  XXXX  and the bank closed my account when it there were fraudulent charges disputed.

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 2021-08-05 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: Byrider Franchising, LLC
State: PA

Complaint narrative:
I do have a loan with CNAC/XXXX but it was already closed and marked as Charge-off. I have been asking for the complete payment history of this account for me to review it but my request has not been granted and this erroneous information keeps on hurting my scores. I tried reaching out to both XXXX and XXXX, and CNAC/XXXX with no successful resolution. There was definitely an error on their part. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX it came to my attention that an incorrect/erroneous entry had been reported onto my credit report by American Credit Acceptance causing my credit to drop over 110 points over night. I was in the process of seeking financing for a house which consequently caused my financing to be denied. I contacted American Credit Acceptance to bring this to their attention. While recognizing it was their error, they informed me there was nothing they could do. I have documentation demonstrating the account was closed on XX/XX/XXXX. American Credit Acceptance said it was a glitch only with XXXX XXXX only for me to find out a month later that it was in fact on all of the credit bureaus. I contacted American Credit Acceptance again. They apologized and said they would fix it. I requested a letter that I could provide to my financing company and they said no, they could NOT provide a letter. I spoke with a supervisor and was told again that they could not provide a letter. I told the supervisor that I would be seeking legal compensation for the damage they had caused me and my family. It was then that they were suddenly able to provide the letter/document which I have on record. My credit report remains unchanged. I filed a complaint with the XXXX XXXX XXXX approximately a week ago. A representative from American Credit Acceptance contacted me several days ago letting me know she would be beginning an investigation. She called me back this morning ( XX/XX/21 ) letting me know AGAIN that there was nothing they could do, it was NOT their responsibility and that my account was showing open. She furthermore told my that the documentation I had, an XXXX  report showing the account as closed and the negative remark did not prove anything. I lost financing for a house for me and my family due to their error and the refusal to correct it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received nothing. There have been no updates or letters. I have items that are inaccurate and must be fixed.

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 2021-08-05 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: T.S. Holdings
State: TX

Complaint narrative:
On today, XX/XX/XXXX of XXXX I received a call from a lady named XXXX who works with a debt collection company called IQ data. 

I spoke with XXXX at links, as she told me that she had a collection in her possession from the XXXXXXXX XXXX. I lived at the XXXX from XX/XX/XXXX until XX/XX/XXXX, my lease ended on XX/XX/XXXX of XXXX and I paid all of my rent for the entire lease. In fact, I over paid by {$1400.00}. 

I offered to send XXXX correspondence between me and the manager, XXXX, at the XXXX proving that I did not owe any money at all. She refused to allow me to send the correspondence proving that I do not owe the debt. She also refused to give me her contact information. 

This point I called back and I spoke to a lady named XXXX who also refused to give me an email where I could forward the conversation between me and the XXXX She transferred me back to the lady named XXXX who gave me a fax number where I could fax proof that I do not owe the debt, but they would not except the correspondence from me because I have an attorney hired who handles my credit issues. 

After contacting them and letting them know the issue that I am having, they are sending correspondence to her and they advised me to contact you and let them know. 

The name of the company is IQ data. The fax number is XXXX I do not have any information regarding this debt because they refused to give me any information including a reference number or any way for me to identify the debt. She would not even tell me the full amount of the debt only that it was around {$3000.00} They also refused to send proof of the debt I was told that they were not legally obligated to send proof that I owed the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received nothing. There have been no updates or letters. I have items that are inaccurate and must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
The home was refinanced on XX/XX/21, making our next monthly payment due on XX/XX/21. The payment was made on XX/XX/21 for the full amount, plus {$10.00} to principal. Then, another payment was made on XX/XX/21 for the XX/XX/21 due payment. The payment was not applied correctly for the XX/XX/21 and now they are reporting us to the credit bureau 's as delinquent. They have open numerous tickets to resolve this issue, but have yet to correct it and complete the issues. This has been ongoing for 2 months now, without resolve. In the meantime, we continue to get harassing phone calls to collect a " past-due '' amount for 2 month 's of mortgage payments. Now we are blocked from accessing the online portal- as that is a privilege provided by the mortgage loan servicing company. Now we can only communicate with the default department.

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 2021-08-05 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: TX

Complaint narrative:
I been having a lot of difficult issues with Experian regarding a alleged debt thats reporting on my consumer credit report. Ive tried multiple times calling and disputing this item and no action have been taken seriously! I am tried of this XXXX as so called investigation they do. Theyre violating my rights as a consumer.

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 2021-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : Netcredit Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
NC FINANCIAL reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from NC Financial shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with NC Financial and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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:
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 and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. 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 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
Hello and thank you for taking my request this is a serious matter I have been waiting on a refund from why not lease it through XXXX for furniture that I never received I never received a product I have been working with them back and forth since the end of XXXX all right they had to do their investigation wish they did they told me to go call XXXX or call by XXXX the XXXX will be the latest that I would have heard anything but nobody never called me I sent several emails to the company and I still got no response I literally just got off the phone with why not lease it and their phone number is XXXX XXXX. They told me it would take two to three more weeks to process my refund into my account and I find that highly disruptive to my life there's a pandemic going on I don't know why people think it's okay to just mess with people money and their livelihood at this current time it is devastating to me that I don't have my {$470.00} back in my account at this point I have bills to pay I pay rent my rent is {$100.00} my life is more dollars okay I have a car note insurance everything if I would have knew this I would have never ordered from them and I will never use them again I'm done with them because they keep giving me the runaround and I'm done with it.

Company response to consumer: Closed with explanation