vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XX/XX/2020 I Applied for a Refinance thru my current Lender US Bank which took over XXXX mths to close without any reasonable or good cause. I requested multiple times to my agent a Supervisor or a Response and it just dragged for what I truly believe was a Discrimination due to my XXXX and my sons XXXX. In XXXX I finally closed after my persistence with them and in XXXX I also involved HUD to do an Investigation which I am currently waiting on decision. 

I honestly did not expect this treatment from Us Bank nor I want this to happen to another person due to their ethnicity or XXXX. 


XXXX 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 monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I have a brigit account and I have 5 derogatory marks in the collection catagories and I want to get rid of them but I need help!!!

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 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
The installment loan with Continental Loans in XXXX, TN was opened XX/XX/XXXX and was paid off XX/XX/XXXX but is still reporting on my credit report with a balance owed. 

I have disputed this information with XXXX  several times and they refuse to update this account to paid. 

There is also another account with the same company opened XXXX XXXX. The account reports late XX/XX/XXXX but has never been late, I contacted the creditor and they confirmed as well this account was never late. THis account was paid off in full XX/XX/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 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
First phone call was XX/XX/XXXX at XXXX. I explained to the collector that the debt had been removed from my credit through disputes filed in XX/XX/XXXX which they failed to respond to. The collector confirmed this information and said I would be placed on their do not call list. He apologized and said their system is slow to update. 
Second phone call was XX/XX/XXXX at XXXX. I explained to the collector whos last name was XXXX that the debt was removed after disputing it. I explained to him that I was already not to be contacted anymore about the matter. He told me the debt still exists on HIS records. I asked to speak to a manager who was busy and told them to not call me again or it will be harassment. He said I was placed on the do not call list again but I dont believe them. 

The company is rent debt automated collections. We have no contract and they are trying to get me to pay a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: The CMI Group, Inc.
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have a loan with TOYOTA MOTOR CREDIT CORPORATION, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT CORPORATION and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CORPORATION with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have opened a lease contract with XXXX XXXX XXXX through XXXX XXXX XXXX in XXXX NJ on XX/XX/2021. 
The financial manager whom finalized the sales with me pushed me to purchase an insurance for the cars tires at an additional cost of {$26.00} a month to be paid on monthly basis on top of the monthly lease of {$270.00} a month. 
He advised that insurance can be canceled upon my request at any time. 
When I called the XXXX XXXX XXXX, they mentioned that my contract doesnt show that I have any type of insurance therefore they advised me to contact the dealer, I went to the dealer to cancel the insurance, The financial manager advised me that insurance can be canceled but is not going to affect my monthly bill and I would still pay the cost of insurance of {$26.00} a month on top of my monthly bill which didnt name any sense to me and I think this something unethical. 
All what I need to cancel the insurance and my bill to be adjusted accordingly and my monthly bill be back to {$270.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received two ( 2 ) Mastercard credit cards in the mail. the cards were in the names of 1. XXXX XXXX XXXX ( myself ), and 2. XXXX XXXX XXXX ( my XXXX  wife ) .The cards were sent by Huntington National Bank , XXXX XXXX XXXX, XXXX , NE. These cards were UNSOLICITED. I have never requested any credit cards from them. 
I contacted the appropriate department at Huntington band and spoke to a person by the name of " XXXX. '' I advised that I did not request the cards, make application for the cards, and do not want the cards. She advised me that the account had already been closed. I asked her what the records showed as the the status of the cards, and she replied that they were closed by the bank. I responded that if the bank closed the account, my credit record would reflect a negative notation, showing that the bank initiated the closure. She replied that she was sorry, but she couldn't do anything to change that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Maganement Services , Inc. claims I owe them {$60.00}. I have asked for validation of an account from them showing I have a signed contract with NCB. So far, they have not provided me with any such document. Further, NCB has continued to report negatively to the credit bureaus, damaging my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
I, XXXX XXXX, natural person/consumer/original creditor, noticed fraudulent accounts on my consumer reports in XX/XX/2021. The fraudulent and erroneous accounts prompted me to file a Identity theft report with the Federal Trade Commission in XX/XX/2021, which was mailed or faxed into XXXX, Equifax, and XXXX. XXXX received my report on XX/XX/2021, XXXX  received on XX/XX/2021, and Equifax received on XX/XX/2021. Pursuant to 15 usc 1681c-2 the consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The CRAs did not block the information and are in direct violation of my consumer rights! My reputation has been ruined with the banks and these companies are also in violation of 15 usc 1692j because they are furnishing false information. I intend on litigating give that these companies are both criminally and civilly liable pursuant to 15 usc 1692k and 15 usc 1611 for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
I, XXXX XXXX, natural person/consumer/original creditor, noticed fraudulent accounts on my consumer reports in XX/XX/2021. The fraudulent and erroneous accounts prompted me to file a Identity theft report with the Federal Trade Commission in XX/XX/2021, which was mailed or faxed into Experian, XXXX, and XXXX. XXXX  received my report on XX/XX/2021, Experian received on XX/XX/2021, and XXXX  received on XX/XX/2021. Pursuant to 15 usc 1681c-2 the consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The CRAs did not block the information and are in direct violation of my consumer rights! My reputation has been ruined with the banks and these companies are also in violation of 15 usc 1692j because they are furnishing false information. I intend on litigating give that these companies are both criminally and civilly liable pursuant to 15 usc 1692k and 15 usc 1611 for willful and knowing violation

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 2021-06-21 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: WI

Complaint narrative:
For several months, I've tried to fix errors on my credit report with TransUnion. They are STILL showing inaccurate information regarding 2 different accounts. They are reporting closed & included in a bankruptcy verses Paid in Full regarding XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX, which has been paid in full since XX/XX/XXXX and not included in any bankruptcy. The account of XXXX XXXX XXXX shows late and included in a Bankruptcy, but the debt was sold years ago and was a write off for this company which means that the account should be deleted as I'm not liable or responsible per the FCRA. 
XXXX XXXX constant refusal to fix their errors has caused me stress and thousands of dollars in higher interest when credit is needed. They are in violation and this needs to be rectified.

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 2021-06-21 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: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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
State: GA

Complaint narrative:
PayPal randomly closed my account for without explanting why, other than claiming I violated their Terms of Service, which is absolutely false. Everything was fine until a transaction was sent to me by a life long friend and I received an email from PayPal saying I could no longer use their services. Believe me, I have tried for literal months to get things resolved and they not a single employee ( if I'm lucky enough to get to a real person instead of a support bot ) will not help me with getting it back up and going. I reread the. I was thrilled when I remembered I could file a report on this amazing platform since they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I don't want to rant my whole overall opinion on how PayPal runs their company, but stuff like this happens on a regular basis and it is absolutely absurd. Almost 90 % of the funds to my name are locked in PayPal, and I don't have time to wait 180 days like they want me to do. There is absolutely no reason that this issue can't be resolved by PayPal support. 

My email linked to my PayPal account is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I XXXX XXXX Sent Debt Validation letters to Phoenix Financial Services to Validate debt attached accounts on XXXX XXXX Induvial Action XXXX 1. Phoenix Financial Service did not comply 5 days after speaking to me. 
2. Phoenix Financial Service did not provide validation of the debts 3.Phoenix Financial Service did not cease in collecting debts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: FL

Complaint narrative:
I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX. # 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 2021-06-21 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 Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX XXXX XXXX Report 3-Identity Theft Victims Complaint Affidavit 4- XXXX Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ascendium Education Group
State: AZ

Complaint narrative:
Loans dated back to XXXX - XXXX from XXXX XXXX XXXX students were consolidated in XXXX through XXXX XXXX or whichever provider was available at that time. Over the years I have had my wages garnished, collected upon through Federal tax deductions and I somehow still owe XXXX dollars from loans dated back XXXX - XXXX. 

XXXX XXXX XXXX students students were recently granted reprieve from false tactics used by that company. However, the dates only go back to XXXX for some reason. 

All students of XXXX XXXX XXXX students were told false claims about job placement and credit transfer. I had to absorb more loans due to the fact my credits were not accepted by University of XXXX and its subsidiaries. 

I have never been shown how much I have actually paid since each company can put collections costs on top of debt which continually is passed around garnering more collections costs. 

Please help research why these XXXX XXXX XXXX students loans are not applicable to the federal act signed by President Biden. 

XXXX XXXX XXXX students loans are held by Ascendium currently. One example of never getting out of debt with these companies is exhibited below : One loan has an original disbursement date of XX/XX/XXXX via consolidation loan which were all used to pay off XXXX XXXX XXXX students Example 1 : Original loan amount {$11000.00} Currently owe ( via dept. of ed. site ) : {$15000.00} Example 2 : Original loan amount {$9500.00} Currently owe ( via dept. of ed. site ) : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Earlier this year I attempted to log into my Barclays account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

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 2021-06-21 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 — Problem with personal statement of dispute
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a validation of debt/Hipaa authorization letter asking Medical Data systems to provide a breakdown of fees, a copy of my signature with the provider of service to release my information and to cease from reporting till validated by me.They failed to respond.XXXX deleted and stop reporting.The other two agencies are still 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