vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have closed referenced loan has been paid in full XX/XX/2021. From XXXX XXXX XXXX XXXX XXXX. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted XXXX to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The XXXXXXXX XXXX XXXXXXXX. I have all paperwork showing proof Discharge of Mortgage and signed Deed.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have closed referenced loan has been paid in full XX/XX/2021. From XXXX XXXX XXXX XXXX XXXX. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted XXXX to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The XXXXXXXX XXXX XXXXXXXX. I have all paperwork showing proof Discharge of Mortgage and signed Deed.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My new Honda lease was over always paid on time with auto pay ( signed with Honda). I extended the lease and they said that all payment amount and withdraws will stay the same .Honda reported to the credit bureau that my account is closed when in fact is still
open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have setup statement balance recurring autopay since account opening. My XXXX statement balance payment was {$920.00} which was due by XX/XX/XXXX. My statement balance autopay was triggered to pull exactly {$920.00} on XX/XX/XXXX. However, the autopay pulled my payment twice, XXXX on the XXXX and one on the XXXX in the amount of {$920.00}. Because of the two payment my next statement balance cut at {$820.00} which was due by XX/XX/XXXX I have noticed this system error on XX/XX/XXXX and requested to refund back one of two statement balance payment. Instead of refunding the agent performed a payment reversal. At this point I do understand that my statement balance is no longer {$820.00} and should be {$820.00} + the reversed amount of {$920.00} ( the system error double payment reversal ) Because of my statement balance autopay setup I did not worry about checking if the autopay will pull both the reversed amount and previous statement balance amount. In the end the auto only pulled {$820.00} instead of $ XXXX {$920.00} and considered me delinquent and charged {$11.00} of interest. This is obvious system error that I was initially put into this in the first place because Goldman pulled more the required amount to pay. This seems illegal use of autopay where banks are pulling more than authorized and also more than required to pay.

I did complain about this and explained very clearing what caused this interest and the agent kindly waived the {$11.00} of interest. At this point I expected Goldman to take the initiative to watch out for any trailing interest that this will cause. As planned my autopay for statement balance was made and unsurprisingly I saw trailing interest of {$9.00}. I requested again to waive but the agent was not able to waive because of previous cycle {$11.00} interest waiver.

Because I have credit card knowledge I knew exactly what happened and clearly was the bank system error. I understand this can happen but share great concern to other Apple card user with less credit card knowledge just paying this interest which wasn't even supposed to have been charged in the first place. There was no proactive remediation steps performed and inhumane on all the interest revenue Goldman and Apple is collect at such global hardship time. Please investigate this and get Goldman to do a full remediation on not just me but the whole portfolio that was impacted by this. This should be both interest credit but correction on my credit bureau report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My client has a collection from an apartment complex, but my client paid everything once he moved out. National Credit System bought the debt and is claiming extra balances that my client does not recognize. On XX/XX/XXXX I sent by certified mail ( XXXX ) a letter disputing the debt, then in XX/XX/XXXX I sent a follow up letter letting them know that they were on violation, by today XX/XX/XXXX the company has still not responded. 

Also the company did not sent my client a right to dispute a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Nelnet, Inc.
State: NJ

Complaint narrative:
Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: PA

Complaint narrative:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
XX/XX/XXXX org amount {$7000.00} XX/XX/XXXX new amount {$10000.00} Contacted IQ Data International XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- XXXX. 
XXXX XXXX XXXXXXXX AZ Ask for medical release due to emergency XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
Dear official, I exhausted every avenue with Lending Club Bank ( formerly XXXX XXXX ) to get my money into my personal account. I emailed and called more than 10 times and all I got are responses " we will escalate this '' or " it was forwarded '' but it was not resolved. People that were giving me run around are supervisor XXXX, XXXX, XXXX, XXXX, and many others. 

Briefly, my father wired me {>= $1,000,000} ( Eur XXXX ) on XX/XX/2021 ( XXXX  XXXX  from XXXX wired money via XXXX XXXX  in XXXX ) from XXXX that ended up in Lending Club Bank account at the XXXX, Lending club account number : XXXX. Lending CLub Bank uses XXXX as an intermediary bank for international transfers. At one point, Lending Club Bank, notified me how money is not there. When money was not returned and the initiator performed detailed investigation, it was confirmed that money was wired to Lending Club account at XXXX. In addition to that, XXXX officials found my money to be in the Lending Club Bank account. Since I lost all trust into Lending Club Bank, this money should have been re-routed to my final private account at XXXX ) - but it never ended there. The {$34000.00} is still sitting at your XXXX Lending CLub Bank account # XXXX. Lending Club Bank recently started to give new run around by telling me that no-one is responding at XXXX. After asking three times, Lending Club Bank never responded to me who at XXXX did they contact or is not responding. I believe I was patient enough and it seems that Lending Club Bank simply stole my money. As an example, in normal circumstances, once money is not delivered it would bounce back within a week, which did not happen. I even decided to close my account after realizing that I am given the run around, but even then money did not bounce. 

I have all the documentation and account numbers if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi, I have reached out to XXXX  and XXXX  directly to show that i have a XXXX XXXX  card with Comenity bank ending XXXX which is open and its not being reported to them. I also contacted Comenity Directly to resolve the issue and as of today they are still not reporting my account. They confirmed they closed my old account and re-opened a new account. my 2nd issue is I have a closed account that was in good standing with Comenity as well with NY and Co that is not reporting i have sent 3 communications and not action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: MI

Complaint narrative:
XXXX  XXXX - This is a complaint against the timeshare XXXX. The account mentioned, has appeared in my report multiple times but has already been deleted before but it re-appeared with the same account number, & is reporting negative. I spoke with their people ( I remember XXXX XXXX ) who were introduced as representatives of XXXX rather than a salesperson. I was told I am making good financial investment, because the resale value would go up & that I can actually make money from it by renting it out to people thus earning me rental income or once I finished paying them, I could resell it to a higher price. They also said it has some tax benefits. They offered me gifts like a certificate to use for 2 years instead of using credits, which I never got to used because I never got them as promised. I felt pressured and rushed when they told me it's my last chance at the lowest price. I felt I am being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant me the price being offered. They opened a credit card for me, they are the ones who did the entire process, signing the application, they did everything for me without me realizing it. I never even received a copy of the application nor was I informed of the fees. They didn't even allow me to read and fully understand the contract and they never gave me an original copy of the contract or any deed from other contracts. Everything felt rushed, I was even threatened that I only had that day to decide. One more problem was that I wasn't made aware of the cancellation process, They didn't even proactively educated me as to how many days to cancel. XXXX XXXX told me to call her if I wanted to cancel, I've made phone calls to her requesting to cancel, I've left messages but I never got any replies. I was XXXX years old when I dealt with them, and now I am at XXXX, I already have some medical conditions, & having this timeshare just doesn't help someone as old as me, I have limited income because I'm retired, so I'm having financial difficulties meeting my bills, I even lose sleep over the stress caused by this timeshare. This timeshare has been very stressful for me and to make it worse, they're constantly calling me for payments everyday. I've had the worst experience with this timeshare, the pressure used by their representatives, the amount of time it takes, the false promises they told me but most of all the constant manipulation used to control you to force you to buy the timeshare. They won't listen or care about what one is saying to them, will make you feel guilty if you say no or don't sign. I was defrauded and lied to but surely I was taken advantage of due to my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I noticed XXXX was charging 2 different finance charges on my bill. Upon questioning them about it, via email and phone call, I was told it was due to their Terms had changed. Now, I was aware of the terms changing, but did not think it would result into 2 different finance charges each month thereafter the terms changing. The only way I could have gotten out of those terms ( according to the supervisor I spoke with ), which was also not stated in the message I was sent online, was to close my card. The way they did this, to me was double billing, in turn against the law according to the Credit Card Accountability and Disclosure Act of 2009. They said its not double billing because of the way their terms are noted. The APR is the same from the past and current Billings. However, Im being charged for the finance charge before the terms changed and the finance charge of after the terms changed. This just does not seem right. I have closed my account with them as of today due to all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: U.S. BANCORP
State: GA

Complaint narrative:
THESE ARE erroneous inquiries reporting to my 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 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Receivables Network
State: NJ

Complaint narrative:
XXXX from Sage Capital called about a {$150.00} debt from XXXX XXXX for my youngest child from a while ago. XXXX had all of our birthdates and our address. I have paid all our bills from XXXX as they came and we had nothing in collections with them. I notified them of this. XXXX did not provide the date of service or any information about what the bill was for. I also notified them that I hadnt received any bills or written communication from them or XXXX. And I informed them that I would be calling XXXX to deal with any billing directly. XXXX left me a call back number of XXXX. I have since called XXXX and they checked under every single family member and we do not owe them anything and have a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
The PayPal permanently ban my account and preventing me to withdraw my remaining balance without telling me any valid reason. I hope you can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: MA

Complaint narrative:
On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from XXXX XXXX however the company billing this was American Coradius International LLC. The company AC sent me a letter in the mail for this amount, and I am unaware of this bill. XXXX has not made any communication with me, and my credit card report looks okay. However when I called AC I did give them my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MA

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