vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FIRST FED CREDIT CONTROL or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  XXXX Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on FIRST FED CREDIT CONTROL or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO GET THE INACCURATE NON FACTUAL, 2 PREVIOUS ADRESSES ON MY FILE. THIS IS SO FRUSTRATING AND NEEDS TO BE DELETED NOW, I NEVER LIVED THERE

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 2021-09-02 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: CA

Complaint narrative:
I contacted TransUnion regarding the account XXXX XXXX XXXX listed on my credit report. I advised TransUnion that they are reporting an account that states the payment status as Collection/Chargeoff with a Past Due amount of {$120.00}. This is inaccurate reporting. A collection/chargeoff is by definition is past due. TransUnion is also reporting this account as closed as of XX/XX/XXXX but still reporting it as charged off as of XX/XX/XXXX. This is inaccurate reporting.

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 2021-09-02 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: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
Sunrise Credit Services has falsely flagged an amount due of {$1800.00} on my credit reports on behalf of XXXX XXXX XXXX XXXX. 
The same scam was attempted earlier this year by another credit agency on behalf of XXXX XXXX XXXX too. That was dismissed. 
I called Sunrise and they were not able to provide any detail about the fictitious charge nor did they have appropriate contact details. 
The scams by XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX entities should be addressed by CFPB as they are extremely upsetting and time consuming to deal with. Of course there is also the interim hit to credit ratings while one works to clear up the false charges. 
Please also know that I do not currently have any XXXX XXXX XXXX products/services nor have I had any for the past two decades. Furthermore, I will never again even consider XXXX XXXX XXXX given this on-going harassment.

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 2021-09-02 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 XXXX  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 2021-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/2015 Bank of America has refused to remove a XXXX  XXXX XXXX XXXX XXXX HELOC lien on my property. I had two similarly situated properties and the HELOC lien was properly satisfied on XXXX parcel, pursuant to a settlement with the US Federal Justice Department see : XXXX : XXXX. They promised to release the other HELOC and I submitted the documents they requested. They did not release it or provide a written reason for their refusal. They told me to call some XXXX # for a company I've never done business with and is not on my title. 

Bank of America has not only refused to provide the satisfaction, they have responded to letters from my lawyers by providing confidential credit card account statements for a " XXXX XXXX XXXX '' ( no relation ). Poor Mr. XXXX, Bank of America has update his credit card account to MY LAW FIRM 'S address?? Not once, but twice - after my lawyers expressly advised them of the error. This utterly is inexcusable! 

Bank of America 's inaction in removing the cloud on my title severely impairs my property rights. I have expended considerable financial resources to resolve this matter but XXXX XXXX to XXXX Bank of America, refuses to provide even the courtesy of a reply.

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 2021-09-02 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: CORELOGIC INC
State: TX

Complaint narrative:
CREDCO Miscellaneous Individual XX/XX/ I am unsure what this credit pull is from. I do not recognize it. Nor do I remember purchasing or requesting the purchase of any credit in XXXX of 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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Hardship Began in XX/XX/XXXX when i was laid off. applied for work but no employment. started a business and asked Pennymac for loan modification and was denied. The home was flooded. The home has flooded several time and in a flood zone. Applied for deed in lieu for mortgage company to take property back since im not being approved for a modification and they keep denying. Stay unemployed through XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.

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 2021-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
XXXX was paying a company to call me everyday and I was being spammed. I signed fafsa forms against my parents will and they continued to call. 

Reference Number : XXXX Total Due : {$4300.00} Settlement Offer Amount : {$2600.00} Dear Friend, XXXX XXXX, Settlement Offer XXXX XXXX University will forgive 40 % of your balance! 

Welcome to our emailing service! We received your email address from XXXX  XXXX University. The account listed above has been in a delinquent status for an extended period of time and remains unresolved. 

We have an offer to resolve your unpaid balance with XXXX XXXX University. We are willing to settle your account for 60 % of the Total Due stated above which equals {$2600.00}. 

It is understandable that you may not be able to take advantage of this opportunity at this time. We are willing to work with you on a payment plan that meets your current financial situation. You are encouraged to contact our office at the number listed below so we can assist in putting this matter behind you. 

If you would like to make a payment on your account we have many convenient ways to pay : Pay Online : Click on the button below to access our payment portal and use your reference number to log in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NATIONWIDE RECOVERY would verify the debt. So I took it upon myself to ask NATIONWIDE RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received correspondence from Midland Credit Management on XXXX, XXXX, XXXX regarding an alleged debt from XXXX XXXX XXXX. I also received a call and threat from an agent of the MCM Organization on XX/XX/2021 which I recorded for my record. He threatened to have this alleged account furnished on my credit report. I informed the agent that his threats were in violation of federal law pursuant 15 USC 1692d Harassment and Abuse. I also informed the agent that pursuant to 18 USC 8 that ALL Obligations or other security is the responsibility of the United States. Furthermore, this consumer credit falls under the Truth In Lending Act 15 USC 1602. Pursuant to 15 USC 1605 ( 1 ) the finance charge includes the sum of all charges including interest. In Conclusion there are billing errors in the correspondences that were sent to me by MCM Pursuant to 15 USC 1666 ( b ) Billing Errors. I have sent MCM a Cease and Desist, sworn Affidavit of Truth with Exhibits, and an Invoice totaling each individual action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit system at XXXX. XXXX XXXXXXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$620.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.

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 2021-09-02 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: Specialized Loan Servicing Holdings LLC
State: AR

Complaint narrative:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with Specialized Loan Servicing Payoff in the amount {$100000.00}

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 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As I recently reviewed my credit report I noticed an abundance of information being reported by Transunion to other entities without my knowledge or consent. I can't apply or even do anything with my credit because of this falsified report from Transunion in which I have no partnership or affiliation with. They are purposely fabricating falsified reports against me hindering me from further extending and using my rights to credit. They have violated my consumer rights under both 15 USC 1681 & 1692.

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 2021-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear All, My name is XXXX XXXX, and I'm writing to complain against GAP Credit Card services regarding the reward program change since XX/XX/XXXX I have several unused reward coupons expired in XXXX and XXXX, I first called Gap credit card customer service # XXXX on XX/XX/XXXX, and was redirected to GAP Good Rewards, the new service. Unfortunately, GAP Good Rewards doesn't handle the old coupons before XX/XX/XXXX, and I requested a 3 way phone call with Gap credit card. The gentleman from Gap credit card was very nice and helped me processed the reissuance of the expired coupons ( total amount is about {$120.00} ) Today, I called GAP credit card again for another unused coupon of {$15.00} expired on XX/XX/XXXX ( they only process the reissue AFTER the expiration date ). I was shockingly told by the Supervisor XXXX and the Manager XXXX ( Employment ID # XXXX ) that they no longer handle the reward program after XX/XX/XXXX, and the already processed coupons on XX/XX/XXXX were denied. Gap Credit Card is completely out of the reward program after the sudden transition on XX/XX/XXXX. I was requesting the new policy documents about the expired coupons, but was rudely rejected by the XXXX. As a result, I lost all my benefit by using GAP credit card for all my daily purchases. 

The fact is GAP credit card service has been helping customers like me to have expired coupon reissued for decades until they switch this service to GAP Good Rewards on XX/XX/XXXX. The worst part is they never disclose the expired coupons will NOT be reissued as usual due to this transition, which obviously damaged the customers ' right and benefit. 

I was asking for a copy of the reward coupon policy from manager twice on the phone, but again was rudely denied by saying she has nowhere to dig out that document for me. 

I'm attaching the scanned copies of the GAP Good Rewards flyer, which has no any words on current and expired rewards coupons. 

It's extremely frustrating and disappointed to experience the terrible services from Gap Credit Card management. 

By the way, GAP has shut down several stores close to me since Covid-19, which made the indoor shopping extremely difficult, and they even don't care about the consequences. 

Yours sincerely,

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 2021-09-02 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: TX

Complaint narrative:
I sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.

Company response to consumer: Closed with explanation