vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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: WV

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Transunion in reference to 2 derogatory items on my credit report with XXXX XXXX XXXX. There were 2 30 day late payments from XX/XX/XXXX that was a mixup. I had already written transunion letters XXXX XXXX XXXX  had given me to provide to transunion to have the info updated, but they refused to do so. That left me no choice but to file a formal dispute. I received a report on XX/XX/XXXX that the derogatory marks on my report have been updated and the items were removed. By XX/XX/XXXX, the derogetory items reappear on my credit report. I call transunion for an explanation and they don't have 1. They admit that the 30 day markers were removed and added again, but said it has nothing to do with them. They claim it is between me and my financial institution. I explained to them my financial institution agrees with me that the markers are an error. They told me my only option was to dispute the markers again. I asked why i would do the exact same thing that didn't work? I asked for a supervisor. His name was XXXX XXXX and he was no help at all. This company 's employees seem to have no other job than to get you off the phone. I now have no way to delete the derogatory marks that my bank has agreed to remove. Transunion claims no responsibility for the accuracy of their product. They blame everyone else.

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 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Northstar LLC called almost every day and at least for well over a month finally I called them. They said it was regarding a family member. I told them haven't had contact with them for over nine years. They apologized and said they would stop calling. This created a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: FL

Complaint narrative:
I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted 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 2021-09-07 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: AES/PHEAA
State: LA

Complaint narrative:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status. 

Originator Creditor XXXX Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX XXXX, XXXX XXXX due. Report Date XX/XX/XXXX. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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:
XXXX  is unable to verify bankruptcy by providing who at the court verified the information. Name of the person and date and time it was done.

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 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Dear Sir/ Madam, I have a loan borrow with Net Credit in XX/XX/XXXX, I made regular payments to this company until XX/XX/XXXX, ( Payment has been made totally 18 months, set up auto electronic payment every other week, total {$130.00} each month. 

My borrowed amount is {$2500.00} ( XXXX XXXX ) My total payment to Net Credit {$2000.00} ( XXXX XXXX XX/XX/XXXX ) My balance in XX/XX/XXXX was {$3100.00} ( this is not fair ) In XXXX, Net Credit told me my Balance was {$3100.00}, so I stop paying to this loan shark company, and have a law office named XXXX XXXX to write them an offer of {$300.00} to settle the case, but Net Credit refused, I called them few times but they refused my offer but have no resolution to me and keep emailing me ( every 2 weeks ) and charging me with unknown charges!!!! 

The mail from this week saying that I owed them already over {$900.00} I hope your office can help and advice Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone used my SSN to apply for the federal small business loan. Also, they also used my information to open a BBT debit card.

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is violation and against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I opened a CD account with Marcus Bank on or about XX/XX/2021 under account # XXXX. The CD is in the amount of {$250000.00}. On Saturday, XX/XX/2021, I received an email message from Marcus to notify me that this CD account had been closed. 

I called Marcus on Tuesday, XX/XX/XXXX ( the bank was closed on Monday for XXXX XXXX ) to ask what account was closed. I was told by the representative, named " XXXX, '' that the account was closed and that the {$250000.00} plus interest ( a total of {$250000.00} ) was withdrawn and the account was closed. 

Marcus could not tell me what happened to the account or where the money went. I was told that they would look into what happened and that I should contact them in a few days. 

My online account shows my two other accounts at Marcus -- a saving account and another CD -- but there is no record whatsoever of the CD account that was reportedly closed. 

It is too early to know if this was fraudulent or gross negligence, but in any event, Marcus was quite casual about my missing money. I want to make sure that I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi

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 2021-09-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with Flagstar Bank and XXXX XXXX XXXX to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with flagstar bank. The address, phone numbers and emails that Flagstar had on file did not match with any of my personal information.

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 2021-09-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I contacted Equifax, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I have had a Costco Club Visa card for years. I spent most of XXXX in the hospital for many serious medical issues. All of a suddenly Costco Citi Visa card was declined when I tried to use it for a regular online service at a regular website. Their weak answer was : XXXX.You were over your credit limit all of a sudden. 

I am not a math major but if my little puny credit limit is $ XXXX why is my bill only $ XXXX. Their math is fuzzy. I even paid my bill that wasn't due for over {$1000.00} until next month and they don't give me credit for this. They won't until the future date it is due... .and still my bill was not over my credit limit..notice?. 

I make {$84000.00} annually with combined XXXX and XXXX XXXX  and I just turned XXXXUntil recently I have had nothing but problems trying to make my payments over the phone. The overall credit card company industry needs reform to streamline it to simple rather than complex as it is now., Long winded annoying and they seem to want you to hang up rather than pay your bill or report your card lost or stolen lately. Why I have no idea. You sometimes have to wait minutes before getting to the option to pay your bill rather than simple terms... last statement balance, current balance, or a different amount. Simple but they refuse to do this. You have to write down the amounts they offer in advance of making a payment. Terrible!!! 

This Citi card and others are not user friendly anymore. I am not XXXX my hard earned money on expensive postage stamps. I want these companies to be called on to refine their phone payment options and allow easy link to resetting passwords when you forget them not force you to XXXX contact a XXXX female customer service rep trying to speak English I can't understand and hang up on me when I ask for someone who speaks English I can understand. 

Not all of this pertains to Citi Visa Costco membership club card. My issue with them is my credit limit is insultingly puny compared to other credit cards I have and they declined my use of it when I was not over my credit limit of over $ 2000+ when my bill for next month was just over {$1000.00} ... can't be so. This morning alone I spent over XXXX hour and XXXX minutes getting nowhere and transferred to everyone there. 

Thanks, 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 2021-09-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am being persecuted by GM Financial whom is attempting to collect an unlawful balance on a vehicle that was leased through them. 

They are reporting a balance of {$24000.00} - This entire problem began with a faulty brand new vehicle that had been problematic since day one. I leased this vehicle on XX/XX/XXXX - and the vehicle shortly began to exhibit sudden deceleration problems that was ultimately found to be related to a faulty transmission. Luckily the vehicle was brand new and was covered bumper to bumper. After many repair attempts the vehicle would work for short periods of time and then go back to the same issue, until finally it caused an accident On XX/XX/XXXX. This rendered the car inoperable and had to be towed, mind you, this was during the first Major LOCKDOWN that rendered me unable to go to the toward to retrieve the vehicle, as I had no car and ride share services were not operating at the time. Contacting GM financial resulted in them opening up a claim and since they were the lien holders they agreed to go retrieve the car from the two yard. 

This is were things get murky, as in the middle of covid lockdown I was informed that the car was sold, and I still don't understand who sold it or how things transpired. The car 's damage was not conducive to it being a total loss, GM Financial had stated they would go retrieve the car out of the tow yard, it was fully insured and still under manufacture warranty. 

I completely refute and dispute this past due balance that GM Financial is reporting as a past due balance. They completely mishandled this situation and have no right to a deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$72.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX  Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX  14 times showing that my credit is perfect and 14 times USAA states to XXXX  that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX  today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired XXXX XXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact XXXX  and clear this matter at one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with XXXX XXXX  and LJ Ross Associates to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with XXXX XXXX. The address, phone numbers and emails that XXXX had on file did not match with any of my personal information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation