vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: IL

Complaint narrative:
On XX/XX/2021 I sent in a dispute letter to Transunion LLC to verify some accounts on my report. I sent the disputes certified mail with return receipt, which they signed on XX/XX/XXXX. I had not received a response, so on XX/XX/2021 I sent in a second letter stating that they did not respond to my dispute and did not investigate my accounts. This was also sent certified mail with return receipt, signed on XX/XX/2021. On XX/XX/2021 they responded with a letter saying they were unable to locate my credit report dispute and that they were unable to locate a credit report for me. I do have a credit report with Transunion LLC as I could see it on different companies that supply a credit report and I do have accounts that are open that I know are reporting to Transunion LLC.

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My husband and I have been out of work during the entire pandemic. We have been on unemployment since XXXX / XX/XX/XXXX. We had made some house payments, then missed some .. got quite behind so our son assisted and gave us funds to play catch up. We paid {$4500.00} in XX/XX/XXXX towards late payments and caught up. Again, with only unemployment funds, we got behind again. We applied for Mortgage Assistance in late XX/XX/XXXX early XX/XX/XXXX and after 30 days got denied since we just had mortgage assistance in XXXX / XX/XX/XXXX. 

After being denied .. they gave us an option " Deed in Lieu '' or full payment of lapsed mortgage payments. I reached out for help and in turn was blessed with someone to help us. We got together {$17000.00} to pay for XX/XX/XXXX THRU XX/XX/XXXX mortgage payments and even had a little extra to go towards XX/XX/XXXX payment. I sent it in with the mortgage statement I had received of what was due ... Our income ratio at the time of applying was very low and couldn't be accepted. 

Almost 30 days later I got our check back in the mail with a note that stated they could not accept the payment unless it payment was " in full '' .. I was bewildered XXXX what do you mean " in full '' I paid that and then some ... So I got on the phone with Fay Servicing , LLC ( new Investor who took over our mortgage recently from XXXX XXXX Loans ) to inquire why they didn't accept our check. 

I was told that my payment wasn't " in full '' that I owed " borrowed Escrow '' if you will of {$4200.00} PLUS Attorney 's Fee 's for the beginning of Foreclosure process ( in which those fees she could NOT disclose as she didn't have them. I was told she submitted a request for them but would not get them back for ONE WEEK and would send me a copy then ... WHAT?? ONE WEEK to get an amount from an Attorney for fees that I was supposedly being charged for a Foreclosure that was supposedly in process already???? 

I asked .. can't you just take the {$17000.00} and apply it to our payments and we can then spread out the {$4200.00} ( borrowed Escrow ) over a period of time? She said NO, it's already going to the Foreclosure process. I was like " seriously '' with this pandemic causing so much heartache and grief for so many and the loss of income to so many PLUS ( my husband 's unemployment has been LOCKED up since XX/XX/XXXX .. and he is receiving NOTHING and can't get answer from anyone )! We don't have the means right now to come up with an additional {$4300.00} PLUS whatever $ $ $ the attorney decides to throw at us ( after a WEEK to decide to get it to us ) ... this is INSANE!! 

My husband may finally have an opportunity to work ( we are pending a decision ) but this is soooo soooo sad that mortgage companies are willing to SEND BACK a PAYMENT of {$17000.00} and push to foreclose on your home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NM

Complaint narrative:
The amount for my phone bill was not the same amount that was on my contract. I would like for this to be looked at again and possibly deleted from my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
ON XX/XX/XXXX MY ACOUNT WAS HACKED BY SOMEONE IN FLORIDA AND ON THE XX/XX/XXXX A TOTAL OF {$4000.00} WAS DRAFWTED OUT OF MY ACCOUNT AND DEPOSITED IN FLORIDA. WORKING WITH BACK OF AMERICA {$1000.00} WAS REFUNDED BACK TO ME BUT {$3000.00} IS STILL BEING DENIAD. On XX/XX/XXXX THE PERSON IN FLORIDA CHANGED MY MAILING ADDRESS TO THEIR ADDRESS AND ORDER THEM SELFS A REPLACEMENT DEBIT CARD WHITH BANK OF AMERICA EXPRESS SHIPPED TO THEM. PERSON SIGN XXXX TO GET CARD AND PRECEEDED TO ACTIVATE DEBIT CARD AND TRAMSFER FUNS INTO A XXXX XXXX XXXX IN XXXX FLORIDA. NOW AFTER SENDING THE PERSON MY PERSONAL DEBIT CARD IS DENYING MY CLAIM FOR THE {$3000.00}. 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 monetary relief
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a Account on my credit I do not recognize US BKPT CT NJ

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 2021-07-27 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: NJ

Complaint narrative:
I noticed a Account on my credit I do not recognize US BKPT CT NJ

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 2021-07-27 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: PA

Complaint narrative:
I am a victim of identity theft. Due to a data breach with A old company that I was with. Now my understanding is that your company just want through the same challenges in 2017 and a lot of your consumers were face with fear and uncertainty with there future. I am facing those same feelings because I have accounts on my report that are fraudulent that shouldn't be there. Im unable to purchase a home for my family because of this tragic situation that took place. I did my research and according to the FCRA all accounts that are fraudulent must be blocked and removed within 4 days or your company will be violating the law that was put in place to protect us consumers from atrocities of this magnitude. Justice is what I ask for, I am a victim who needs peace and prosperity.

My family depends on me. I have attached the FTC report, notarized affidavit, proof of ID.

XXXX  Bless You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by AVANTE USA XXXX, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

because I want to give AVANTE USA XXXX The chance to solve this matter before any legal action is taken. 

Account information : Opened Date : XXXX XXXX Balance : {$4300.00} Currect payment Status : Collection Demand and remedy : Deletion account and waive the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lending Club Corp
State: VA

Complaint narrative:
Hello! The company " Lending Club '' has sent me WARRANT IN DEBT ( CIVIL CLAIM FOR MONEY ). This is the first time that the company has contacted me about this debt. I contacted the company on XX/XX/XXXX at XXXX XXXX  and informed them of the inaccuracies in the debt and that they did not contact me prior to filing a judgement to collect any debt owed. I have been disputing this debt due to the inaccurate information on the debt that is being reported. The creditor I spoke with stated that I owe {$18000.00}. Which is inaccurate. On my credit report it states I owe {$20000.00} which is also Inaccurate. On my credit report it shows that I have made consistent payments from XX/XX/XXXX to XX/XX/XXXX. If I have made consistent on time payments for 12 months in the amount of {$430.00} a month. How is it that I still owe {$20000.00} which is exactly what I borrowed? The FCRA states ; " EVERYTHING SHOULD BE ACCURATE ON YOUR CREDIT REPORT ACROSS ALL 3 CREDIT BUREAUS OR THE ACCOUNT MUST BE DELETED IMMEDIATLY. '' XX/XX/XXXX I was laid off of my job due to covid-19 and I missed XXXX payment. I did express this to the creditor " Lending Club ''. Lending Club informed me that they did not have any forbearance options at that time. Due to THE CARES ACT On XX/XX/XXXX, the United States congress passed the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX or 120 days after the national emergency concerning COVID19 ends. 

The disputes attach below were sent to all 3 credit bureaus and the creditor 'LENDING CLUB ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TN

Complaint narrative:
I HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN EQUIFAX AND XXXX  PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I found a debt collections on my credit report when I investigated the debt I found out it was for a claim from a building I used to live in from XX/XX/XXXX - XX/XX/XXXX. Upon moving into the apartment in XX/XX/XXXX I was asked to take out insurance in the event something happens in the final month of my lease. Low & behold, the pandemic happened & I was unable to pay the final month however my insurance with XXXX  covered it. In XX/XX/XXXX is when I realized the collections. Apparently the creditors at National Credit system bought the debt back in XX/XX/XXXX however it was paid on XX/XX/XXXX. I disputed this debt multiple times in XX/XX/XXXX however each time the creditors validated the debt. It is a gross mishandling of this account as they did not check with the original debtor if the debt was paid and continued to not only validate it but also refute the details with me over the phone. 

I sent the emails attached to National Credit Systems however they have not been communicative despite their mishandling of this debt for the last 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX, XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry 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 2021-07-27 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: TN

Complaint narrative:
I HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN XXXX AND EXPERIAN PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.

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 2021-07-27 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: LA

Complaint narrative:
I've tried numerous times to have XXXX dba XXXX XXXX mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/17. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.

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 2021-07-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have held a Citi Credit card since XXXX, never been late, nor have exceeded my credit limit {$30000.00}. Sometime in XXXX, I decided to enroll in Auto Pay- Citi Card will withdraw the minimum payment due and I will add an additional payment to keep my credit card account balance low - I've been looking through out my XXXX  XXXX XXXX checking out account to find exactly which date this incident took place, but Citi withdrew the minimum payment due to them, pursuant to the credit card agreement and I had signed up to allow Citi withdraw an additional {$2500.00} from my XXXX  XXXX XXXX account , I review my XXXX  XXXX XXXX statement, and did not notice Citi had withdrawn such an amount, so I paid an additional {$7500.00} online, a day after, I reviewed once again my XXXX  XXXX XXXX checking account balance, and noticed that in fact, Citi had got paid {$2500.00}, so, I decided to make a stop payment for the unnecessary extra payment in the amount of {$7500.00}. The following month, I received a letter from Citi - cancelling my credit card account, I have spoken to everyone there, had submitted letters along with proof of bank statements, and still, they reject my version.. It is sad that a card issued in XXXX, and a customere who have never been late on his obligation with Citi, had been treated unfairly by this bank, I even lost my XXXX card, and my XXXX XXXX XXXX XXXX XXXX, because they were connected to such card ... I am formally filing a complaint with the hope that you guys with help me out ... .Cordially, 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 2021-07-27 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: NY

Complaint narrative:
Affidavit of truth, Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and i hereby claim that i will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, i make solemn oath to the one and only most of creation only, whoever that may be, and i depose the following facts, so be it, now present : Fact, in 15 US code 1681n states that ( b ) Civil liability for knowing noncompliance Any person ( Corporation ) who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Fact, XXXX is aware and has proof in attachment showing that my rights have been violated. Different companies for pulling my consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to remove my inquiry off of my consumer report and has to send a XXXX dollar check to my mailing address. 


You have 30 days to respond or greater measures will be taken to get my rights apprehended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unable to get my credit report from Experian I paid XXXX  dollars to get my report to Experian in a certified mail money order and Experian didnt honor my request

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 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
After my vehicle was repossessed, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA. From XX/XX/XXXX through XX/XX/XXXX, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions. I purchased my vehicle in XX/XX/XXXX, my repossession occurred in XX/XX/XXXX. Santander settled the case in XXXX but they also sold the debt to XXXX XXXX. According to the agreement, my debt is to be forgiven, the account status should be updated to positive and most importantly the account should be removed from my credit profile. Due to what Santander agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am not liable for this debt with PORTFOLIO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1600.00}

Company response to consumer: Closed with explanation