vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have having a problem with Bridgecrest formerly known has XXXX. 
I call them and made payment arrangements now they keep reporting that am late on payments.. Which I was not. I have spoke to them several times and they tell me that I have no lates but on my credit reports they are reporting lates. This is really effecting me to purchases anything on credit. I dont see how they can say one thing to me then report something different .I would like this matter fix as soon as possible I dont not have 4 late payments are they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: TN

Complaint narrative:
This is a repetition of complaint number XXXX filed against XXXX XXXX. XXXX has apparently sold the account to Rauch-Milliken International , Inc , and we are now filing a complaint against them. 

We are a practice of psychologists. Through XXXX we did business with The XXXX XXXX ( aka XXXX and XXXX ). In XX/XX/XXXX we advised XXXX through a letter we would honor our contract, which ran through year 's end, but we did not wish further services from them after XX/XX/XXXX. However, XXXX continued to bill us for several months in XXXX, and when we did not pay, turned the " debt '' over to XXXX XXXX XXXX XXXX which has subsequently sold the account to Rauch-Milligan International , Inc . I advised XXXX in three letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) we did not wish their services and advised Convergent Commercial through another letter dated XX/XX/XXXX that the " debt '' was for services we had never ordered. I have since then advised Rauch-Milligan of the same thing. We have never received any acknowledgement from any of these businesses ; instead, we have received threatening letters and phone calls, many of which threaten legal action. I once explained the situation to an agent trying to collect the " debt, '' but she took a belligerent tone and was not interested in what I was telling her. Thus, I am at a loss as to what to do. We were billed for services we neither wanted nor orfdered and have been charged a ridiculous amount of interest on the original " bill. '' Is there some way to communicate with these people? I am not allowed to bill random folk for therapy sessions we never had, and I am not sure why XXXX and these collection companies feel they can collect money for services our practice did not order. I might add that all of the letters I have sent have been witnessed ; we do not have a scanner, and so I can not attach them to this compliant, but I would be happy to FAX them to you if that would be useful.

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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
In yet another XXXX occurrence from the company known as " XXXX '' sometimes moonlighting as First Data, or FISERV, these idiots have now erased all of my now 4 unnecessary XXXX accounts that they created, XXXX, XXXX, XXXX, and XXXX, but now this morning sent me a bunch of alarming emails indicating a credit card charge back from a former client, but now without the ability to see what the XXXX they are talking about, because as was stated above these XXXX  have deleted any & all data relevant to said " charge back. '' We have previously accused this recently merged merchant services behemoth of targeting me & my XXXX XXXX business because we have filed various/myriad complaints against their various corporate names/incarnations for foul, terrible, awful, bad merchant service, with such XXXX employees as XXXX XXXX & others , who we believe roam throughout the company sabotaging our business 24/7. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Jpmcb Card date : XX/XX/2021 my credit report was ran without my consent i do not have knowledge of this account please block and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I never received this loan the company showing on my report refused to send me anything verify the validity of the loan or my request for the loan. I have never received any documentation as to anything regarding this and now they are reporting delinquencies on my credit file.

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 2021-08-25 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XX/XX/2008 Balance : {$2900.00} XXXX XXXX XX/XX/2008 Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2021-08-25 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: NY

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 2021-08-25 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: CA

Complaint narrative:
Bankruptcy Chapter XXXX DOCKET # XXXX This BK was dismissed in XX/XX/XXXX but my credit report shows the discharge status as XX/XX/XXXX. This is preventing me from getting approval on my home home and needs to be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MD

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
I received information from the credit bureaus that you are attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my sign hippa release form? I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want them to come off of my report I am only a authorized user who was removed. And I want them off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I want them to come off of my report I am only a authorized user who was removed. And I want them off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Hello, I desperately need help dealing with my Fedloan servicer. I used to be with XXXX  and then when I started working for a Non profit hospital I went for the loan forgiveness. So I started working for this hospital on XX/XX/XXXX and I filed a month later for loan forgiveness. I have now been with this company for 4 years. The first year I went to certify and was approved, However theydont want to count that year. Fedloan says they need to investigate my payments with XXXX. I have sent them everything they asked for and XXXX has too. They have been " investigating this for 3 years now and they said there is no time limit. Meanwhile they are no longer going to be my servicer after XXXX of XXXX so I need this fixed. I have spoke to so many people and get the same answers its under investigation. This is wrong I should have more towards this than what they are saying I do. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/2021 To whom it may concern : I am writing in regard to my dispute of scam/fraud with TD Bank. On XX/XX/2021, my Personal checking account was hacked with several withdrawals being taken totaling in the amounts of {$2500.00}. I received a telephone call from a TD Bank representative and was told that my ATM ( Debit card ) was being used in a different state with suspicious charges and if this was me as the charges were in a different state. I told them that I was not making transitions. The TD bank person ( scammer ) then texted my phone and stated the amounts would go back into my account, however the name would be TD Bank Refund which would need my approval and I would have to state yes in which I did. During this time I was able to log into my TD bank account and realized the scammer created a XXXX account called XXXX and was withdrawing money from my personal checking account. I never approved withdrawals and realized this was a scam and immediately contacted TD Bank on XX/XX/2021 to report the fraud and scam. I was transferred to a TD Bank represented ( Fraud Department-XXXX  ). She in return requested that I close my PERSONAL checking and BUSINESS accounts as this was definitely fraud and a scam as there was no such account as XXXX XXXX XXXX. She provided me with a Claim number # XXXX and advise me to contact TD bank within 3-5 business days for the investigation results. I contact TD Bank on XX/XX/2021 for the status of the claim and was told that the claim was denied as I had approved the transition. I stated this was untrue, as I did not create a XXXX XXXX account and requested my money to be returned. I then asked the case to be reopened. TD bank Fraud representative then advised me to contact my local police department and file an incident report and to fax a copy of the police report to TD Bank with my new claim number Claim # XXXX. On XX/XX/2021, I filed a police ( Please see attached ) and faxed to TD Bank confirming the scam incident. The bank representative advise me to contact them within 3-5 days. However, on XX/XX/2021 TD Bank again denied my Fraud claim and will not refund my funds of XXXX. 

Please note, I have called the TD Fraud department, my local branch and was told my monies will not be refunded. I have exhausted all means to retrieving my money back into my account. I have banked with TD bank for over 15 years and have established a great rapport with excellent credit rating. Please assist me in this matter as the loss of XXXX has caused undue financial hardship, emotional stress on myself and family members in which I am the sole provider. 

I can be reached at XXXX  XXXX-XXXX  or by email XXXX. Thank you in advance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After spending hours on the phone with Transunion, I am still currently unable to access my credit report online either through the Transunion main site, the XXXX XXXX Credit Monitoring Site, or through XXXX XXXX XXXX XXXX. As an XXXX XXXX XXXX XXXX, I created an account with the XXXX XXXX credit monitoring site of Transunion, but this page has not worked for the past week and I called to report that it wasn't working. While reporting this, I also reported that I was not able to request my credit reports with Transunion through any of their sites. After numerous calls and several transfers to different departments, I was instructed to pay for Transunion 's credit monitoring service. I informed the representative that as an XXXX XXXX XXXX XXXX XXXX XXXX, it is a federal law that I receive free credit monitoring service. Despite informing the representative of this, she continued to insist that I pay or completely delete my online account and create a new one. None of these solutions made any sense and did not seem an adequate solution to solve the problem, so I asked to speak to a supervisor. Once I was placed on hold with the supervisor, he said he was going to check my " file '' and speak to me in a moment. After being on hold for about 10 minutes, he disconnected the line. When I called back another representative ran me through a couple of steps as we tried to fix the issue, but nothing worked. He placed me on hold again to talk to a supervisor and they once again hung up on me. I was told that there was nothing wrong with my credit file minus a recent address update, so there was no reason why I am not being granted access to my file. Each representative seemed baffled by the issue and unable to assist in any way. After hours of back and forth, I was hung up on yet again with no solution. As an XXXX XXXX XXXX XXXX and a recent victim of identity theft, I would like to have access to view my credit report to monitor for identity related issues.

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 2021-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Under complaint number XXXX this company is willfully violating my rights as a consumer under the truth and lending act Title 15 U.S.C.1611 this issue has now damage my reputation as a consumer because this company is trying to enforce a position in a contract that is void due to the furnishing of deceptive forms under Title 15 U.S.C.1692j. This company has outright lied about being creditors or having any security interest in a contract with me because they have never lended me anything nor were they present at consummation of the contract. This company is committing identity theft and has no regard for the rights of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have been with this mortgage company for 20 years the last year has been a real challenge due to covid and my XXXX XXXX I fell behind and has not payed for 1 year.I requested a modification and sent them all the required documents. I`m now able to handle the payment and sent them letter from XXXX XXXX XXXX XXXX XXXX XXXX which stated XXXX annual salary. Additionally I sent my social security statements from me and my wife which is {$2800.00} per month. My son XXXX XXXX has moved in to our house and I sent his W-2 which is {$160000.00} and will be contributing. I was denied a modification due to XXXX  score, and they claimed I had one in the past. True a trial modification was offered and I payed all trial payments. I was sent a modification and I freturned it to late. Rather than going in forclosure and then bankrupcy ( the easy way would for them to give me a realisic modification. My mortgage is XXXX underwater.The name of the mortgage company is SPECIALIZED LOAN SERVICING

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 2021-08-25 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: NC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not owe these debts nor have any knowledge of the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While I sought relief under Chapter XXXX Bankruptcy filed inXX/XX/XXXX and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.

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