vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: U.S. BANCORP
State: GA

Complaint narrative:
During the Cares Act in 2020 I was Flagged Late on my credit report for the Months of XXXX and XXXX although I still made my payments. From my understand Banks and creditors were not suppose to report late payments during that period. I was affected tremendously by COVID-19 with my work and health all at once. I reached out to my creditor and they failed to listen to my request of removing the late payments on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding the inaccurate payment history on my credit report. To this day over 60 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been over 60 days so they should be deleted promptly. I demand these account to be updated or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data.

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 2021-02-28 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding the inaccurate payment history on my credit report. To this day over 60 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been over 60 days so they should be deleted promptly. I demand these account to be updated or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Credit Systems on XX/XX/2022 and I have no recollection of doing any business with Credit Systems. I am in the process of contacting Credit Systems but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
My balance with this Company was {$270.00}, I paid {$30.00} payment on XXXX this Company hasnt apply this payment. My balance should be {$240.00} after payment, I dont want to waste my time calling and nothing is being done. Most likely I will be closing this account dont have time to XX/XX/XXXX anyone to do their job. My account # XXXX. Can you please take care of this for me please Im XXXX yrs of age and dont have time for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
Modern Adjustment Bureau. The bill in question was inflated by the doctor before collection company got it. Original amount of medical debt was highly inflated and no backup of was provided from collections company. Original letter states my credit will be ruined because of this debt. I offered to pay what I thought was the correct amount in XXXX 2020, they refused. I made a second attempt in writing in XXXX 2020, and specifically asked for any backup where the interest rate they were charging, was ever agreed to by me. They have been charging me in excess of 100 % interest rate on this bill. My calls to the company were never answered and never returned, so I have not been able to have a conversation with anyone about the situation. 
Modern Adjustment Bureau originally billed {$300.00} plus {$33.00} interest. Then they inflated the bill to {$410.00} in XXXX of 2020, XXXX last statement I received XXXX, and said they would settle for {$400.00}. The amount on my credit report is well over that and it goes up every month. 
I should not have to pay a mark up of 100 % on a medical bill that was disputed. This is ridiculous. Im not denying I owe a debt. Just that the amount they want is not right. 
My credit HAS been affected. I am trying to get it clear and this is creating a negative impression for me. Please help me, I am at my wits end with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent a letter disputing an account on my credit report. The account was XXXX XXXX  account # XXXX. I explained to Equifax that the credit history for XXXX was incomplete. I told them specifically that the months of XXXX through XXXX and XXXX through XXXX of XXXX were not reporting a status. I received the results of that investigation a few weeks later, and Equifax only updated information that was already correct on my credit file. However, Equifax ignored my initial complaint that the credit history was incomplete for those months mentioned previously. I spoke with a representative at Equifax named XXXX, and he said that we only report what XXXX XXXX  sends Equifax. I feel that Equifax violated my rights under FCRA15 code 1681 ( i ) which states : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
The Fair Credit Reporting Act is clear on what the responsibilities of the consumer reporting agencies are, when a consumer like me has disputed inaccurate and incomplete information. I have attached the following documents, a copy of the dispute letter to Equifax, the results of my dispute with Equifax dated XX/XX/XXXX, a copy of free annual credit report showing that Equifax is reporting this to other credit agenies, and a copy of my Equifax credit report dated XX/XX/XXXX. These items that I have provided should show that Equifax did not do a reasonable investigation, but merely parroted what XXXX XXXX  communicated to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am not in debt. Portfoliorecovery continues to call me once or twice daily. I have asked them to take me off their list but calls continue. I block the call number but they call using different numbers, sometimes within my area code but also across the US. This is harassment!! Again, I am not in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Please see the attached complaint I sent to the CEO of Suntrust Bank ( now Truist ). I have received no response from Truist. I believe sufficient time has passed for a response, consequently I am contacting the CFPB.

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovate Managed Holdings, LLC
State: MO

Complaint narrative:
Within the past few days I changed my email subscription with XXXX XXXX to get more preferred emails. I also checked XXXX XXXX and it had the option to look at my auto loan. There were only a couple options and I read through the details then backed out. Ive been planning to refinance later in the year after my XXXX hard inquiries get dropped. There is no reason for any company to run my information. Im also curious as to how they received my information if it wasnt given or approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: WA

Complaint narrative:
Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX, XXXX XXXX, Equifax. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX  CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NY

Complaint narrative:
The XXXX XXXX/Cashapp has not responded in a timely manner to any of my request for customer support regarding a transfer I made from another financial institution. Hello have blatantly been ignored and given no explanation about my funds. I made a small transfer on XX/XX/XXXX for {$5.00} and it was available on XX/XX/XXXX. 
On XX/XX/XXXX I made two separate transfers of {$48.00} and later {$300.00}. The funds did not post to my account with XXXX XXXX/Cashapp as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I repeatedly tried reaching customer support only to be told that they will get back to me within 24 hours, So far I received and email from an agent requesting more information. I provided the requested information and more then the agent ignored all further attempts of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Lexus XXXX has reported to the three Credit Reporting agencies that we have failed to pay them, the claim by Lexus XXXX is fraudulent and is in an error. 

The car in question was involved in a accident. 

The XXXX XXXX insurance company declared it as a total loss. 

The XXXX XXXX Insurance company confirmed the situation with Lexus XXXX and requested the payoff amount as of the date of accident XX/XX/XXXX. 

The Lexus XXXX provided the payoff amount of {$25000.00} that included monthly payment of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX Insurance issued a check no. XXXX XXXX XXXX on XX/XX/XXXX and the check was cashed by Lexus XXXX on XX/XX/XXXX ( attached is a copy of the cashed check ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Couldnt pay the loan due to COVID-19 got layed off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from Portfolio Recovery Associates regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have tried to get my Equifax credit report from XXXX but I keep getting the error " Online Delivery Unavailable : We are not able to deliver your free Equifax Annual Credit Report online. '' and they request sensitive documents be mailed to them. I have tried on multiple different days and from different browsers and computers, to no avail. I have verified all info is correct. Other bureaus work fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: TX

Complaint narrative:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. XXXX XXXX XXXX XXXX has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: WA

Complaint narrative:
Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX Trans Union, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Trans Union CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX 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 2021-02-28 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: WA

Complaint narrative:
Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files Experian, XXXX XXXX, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Experian CERTIFIED MAIL # XXXX XXXX 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 2021-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mortgage payment for so long was $ XXXX. No written explanation. No escrow analysis sent, suddenly on XX/XX/XXXX payment was {$550.00}. Spoke to many Cust. Svc. said due to negative escrow of {$2100.00}. And said, if I pay this amt. my monthly pay would be {$180.00} just for principal and interest. I paid this amt of XXXX on XX/XX/XXXX. No adjustment was made. I faxed a letter and spoke to Escrow Dept said since I paid on XX/XX/XXXX calculations has been done. Reply to my fax came with no straight answers from Bank of America Escrow Dept. Sent them fax again, but did not answer my queries and one month has passed and XXXX is almost gone. I saw my payment this XX/XX/XXXX will be XXXX. Where is their word : that if I pay my negative escrow of {$2100.00}, my monthly mortgage payment will only be based on Principal and Interest in the amount of $ XXXX. 

I am a XXXX XXXX, to better understand them, I was asking them on my previous fax to give me detail escrow payment, detail calculations of payment, but have not receive any. Please help me. Thank you..

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 2021-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I leased a XXXX XXXX in NY XX/XX/XXXX and it was leased through Chase XXXX XXXX They 1 ) spelled my name wrong 2 ) never updated the lease payment in XX/XX/XXXX, when i Moved from NY to FL 3 ) even though I was paid in advance on my loan and always had a credit balance on my account, they reported to the agencies that I had missed a payment. 
I have tried to resolve this with Chase, and have not had success. My credit score went from the XXXX range to the XXXX 's because of their poor accounting. 
I have spent countless hours on the phone, as well as writing letters to the 3 credit bureaus for relief. I hope this is resolved and my credit is restored to its ' prior level. I am in the market to lease a car, and the lower score will probably affect the price that I pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In XXXX XXXX I talked to 2 PennyMac Customer Service agents and they both said they could not change the mailing address to what I need. 

When I informed the second agent that I was unable to set up an online account without submitting my cell number and consenting to be spammed, she asked if I could submit an email address instead. I said that was not possible. 

I have hit a dead end with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
As explained in prior CFPB complaint ID : XXXX, which rep replying on behalf of BMWF did not fully address, there is a block preventing ACH payments on the account. The block was removed prior by a phone rep when I attempted to make an online ACH payment, the rep agreed to remove block to allow me to make payment which was later rejected because the bank, XXXX, claimed wrong info entered.. I have attempted to make ACH payments since and was unable to do so, it appears BMWF replaced the block after failed payment through XXXX. The account is due for XXXX payment and I plan on using my {$1400.00} stimulus payment to cover it, however, that payment is going into an account which does not allow bill payments. Further, I am unable to transfer funds from it as I can not link it to an external account, it is a pre-paid account and does not allow it to be linked for funds transfers. I request BMWF remove block to allow ACH payment so I can at least pay XXXX payment before it snowballs into XXXX, possibly XXXX.

Company response to consumer: Closed with explanation