vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a notice from Discover Card that they were closing my account after only have it open for 2 years. The reason I was given was for inactivity on my card. I just paid the card off in XX/XX/XXXX, so it has only been 8 months since any activity on the card. I was retaining the credit for an emergency since they would not raise my limit due to me not using this card. I feel this is very unfair when I am being responsible with my credit usage and only using it when it's absolutely needed, especially now during this pandemic, people are constantly losing their jobs and lives because of this virus. I also work for the XXXX XXXX and have to deal with the threat of not being paid every year due to congress. I choose not to use my credit card recklessly but responsibly and I am penalized for it. This hurt me in several ways, it knocks my credit score down because they closed it, it also adds a hard inquiry on my card because they told me the only way I could get it back was to apply again. This is not fair to me when I did nothing wrong but save my credit card for something that was important. I lost my dad to Covid and had XXXX  myself it's not a time for me just spend my credit card so they make money off of my interest. I would have preferred a warning if I didn't use the card or my limit reduce if they felt that but not close my credit card. This was very disrespectful for this company to do to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.

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 2021-10-07 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: GA

Complaint narrative:
I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, Equifax and XXXX, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings
State: OH

Complaint narrative:
I like to order a full Core Logic report, I believe there is some misinformation 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 explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I submitted a fraud complaint because someone charged me over {$250.00} to my account. Called the bank spent countless hours on the phone USAA closed the ticket saying they got info from the merchant saying it wasnt fraud. Ive never done business with the merchant have no clue who they are. Its a charge from someone in the XXXX. Bank said they were advised it came from my Email. Which is impossible I didnt authorize that charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
Equifax is reporting a XXXX XXXX account as a missed payment. This account is closed and paid in full. This is fraudulent reporting and they must be held accountable with reporting inaccurate information. XXXX XXXX is the bank for XXXX Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: IA

Complaint narrative:
this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.

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 2021-10-07 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: NV

Complaint narrative:
One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. 

These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. 

I have been on the phone with XXXX now for XXXX and have not gotten anything fixed or verified yet.

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 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After contacting XXXX XXXX and monitoring services and Transunion several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say XXXX and Transunion is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to lift a credit report security freeze either through the website, telephone or representative. Each time I try they tell me they can not help me or they do not believe my identity. I have tried to resolve this numerous times. When I go online, they say the site is down temporarily. Please see the attached. When I call the automated system they give a vast array of options to choose from to confirm my identify, and they consistently say I " failed '' the identity check. When I call a representative, they go through the same array of questions. They say I answered one question wrong and will not lift the security freeze. They then tell me I must MAIL a letter asking to lift the freeze along with two forms of identification. I NEVER hear back from them. I always have to deal with an international who has a barely passable understanding of the English language ; why don't they have stateside reps? THIS IS UNTENABLE. They allow my identity to be stolen and then they won't allow me access to MY credit report. Please help me in dealing with this situation once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To : The Office of Registered Agent for National Credit Systems XXXX XXXX XXXX  XXXX  From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act and equal opportunity act. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} I was emailed XXXX times from this company 'RESURGENT CAPITAL SERVICES '' I have no knowledge of who these people are they made a portal for me to pay them for a XXXX  XXXX account that never has been validated. Nor did i give my consent to be emailed or my personal information to be given to this company, and stated as " a debt owed '',.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.

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 2021-10-07 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: LEXISNEXIS
State: MO

Complaint narrative:
I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I paid my account directly with XXXX XXXX XXXX XXXX on XXXX XXXX and yet the collection agency is still on my credit report and shown as unpaid as of XX/XX/2021. The collection agency is still reporting wrong information and i need that to be removed. I tried to dispute it but the credit bureau also report it as accurate. THE ACCOUNT HAS BEEN PAID! 

The collection agency 's phone number is not working and unable to reach anyone over the phone and their other number is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: IA

Complaint narrative:
this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
i got a phone call from advance america saying that owe them money but i dont have a recepit for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.

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 2021-10-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
on XX/XX/2021 we sign an agreement with shell point mortgage we enter into a trail period plan for thee monthly payment of XXXX a month witch we made on time on date as follow XX/XX/2021 for XXXX, XXXX, and XXXX wile are mortgage was being process for a loan modification during the period of the trail, there reported to the agency`s to late payment for XXXX and XXXX wrong fully, we made Attempt to resolve this issue to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, The last payment i made on my student loan was in XX/XX/21 and i made it so the remaining Balance would be exactly {$65000.00}, an amount which remained {$65000.00} until XX/XX/21 when I logged in the Fedloan website to make a payment but I found that my balance had increased by {$.00} and now it is {$65000.00}. 

I crossed referenced with my records, the Federal Student Aid website and Credit Report that reports my balance as {$65000.00}. There is no interest being charged right now so i dont understand why this {$.00} appeared magically in my balance. 

I contacted Fedloan on XX/XX/21, The First person i spoke to said she had never seen this, so she transferred me to another person, which said the same, and then got transferred one last time. The Last person i spoke to said she had reached out to an specialist and said there hadn't been any changes done to my account, and that there was nothing to be done, and told me she would send me a statement of account through the mail, and told me to review and see if anything that didn't feel right to call back This is unacceptable, just raising your balance just because? The whole reason i called her was because i already found a discrepancy and all they did was to deflect. 

In summary... The value of {$65000.00} reflected in the Fedloan website is wrong, and right now i dont know if this a system error or a scam? How often do numbers just magically appear in loan balances without ones knowledge?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Amex is trying to collect an alleged debt that was not created by me. I am demanding that they cease all attempts to collect debt from these fraudulent accounts and release all liability from me. I also demand that reporting to the credit bureaus stop and this account be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting multiple accounts on Equifax that XXXX XXXX is reporting. This practice must stop as it hindered my financial growth and dramatically decrease my XXXX  and XXXX  score This makes it difficult for any creditors to see the real scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation