vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Mitigation
State: TX

Complaint narrative:
My father received a call today, XX/XX/XXXX from a company stating they filed a legal suit against me. I called the company back and was advised the debt of was owed and opened in XXXX charged off in XXXX and they are filing suit. The first rep advised it was for a credit card from XXXX XXXX XXXX XXXX in the amount of {$1300.00}. I explained to the agent I have not opened a credit card with this company. She explained docs were sent and the address on file was XXXX XXXX XXXX, XXXX  which is where I resided as a teenager and have not lived since XXXX along with I did not reside in XXXX  until XX/XX/XXXX from moving from XXXX. I was hung up on upon asking how can I report this as fraud. I called again and was advised I would be transferred to a sup XXXX who was extremely rude and screamed this is your debt and you owe it and hung up. I called again and spoke with another rep who refused to give her name and explained the same and that I will be reporting them since they can not tell me how to report as fraud. I was screamed at again stating " go ahead call them not us ''. They confirmed the last four of my ssn and that was all. 
Company Name : CMG Associates Phone : XXXX I XXXX  the number and their has been multiple complaints on this company and their harassment.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: WI

Complaint narrative:
This company called me after 3 weeks that I kept asking to speak to a supervisor because I reported them to the XXXX. Their response stated that XXXX has sent me the payoff request which is XXXX  and has absolutely nothing to do with the HUD lien put on my house because of the COVID19 forbearance plan. So again, I am asking WHERE DO I SEND YOUR XXXX MONEY SO YOU CAN REMOVE YOUR XXXX LIEN OFF OF MY XXXX XXXX HOUSE!? Why are you companies so corrupt. I am trying to pay this back EARLY so my mortgage is clear! I was told I would be contacted today and their response is some XXXX  again. I NEED TO PAY THIS XXXX BACK!!!!!!!!!! GIVE ME A XXXX LINK where I can transfer you the money and clear my mortgage!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. 

I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. 

I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. 

It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. 

I have attached two files from 2019. It will show what was on my credit reports and what Equifax updated it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
I purchased a home and the closing date was XXXX. I was given 2 temporary payment coupons to use until my account was finalized. I sent a check on XX/XX/XXXX for my XX/XX/XXXX payment. The check did not clear and my mortgage was transferred to XXXXXXXX XXXX. I was forced to make another payment to XXXXXXXX XXXX  so I would not be in default. That payment was made online on XX/XX/2021. THEN the check cleared from my original lender ( Guaranteed Rate ). That payment was not forwarded to XXXXXXXX XXXX  and now I am owed one months payment. I have made all payments to XXXX XXXX since then- on time. I have called Guaranteed Rate customer service over ten times. With long hold times and multiple call transfers.. I even had a conference call with XXXX and Guaranteed Rate on XXXX. The result of which was : " payment transfers can take a long time ''. 
I can, and will, provide all documentation and notes from ALL of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: GA

Complaint narrative:
XXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized credit inquiry XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX  XXXX Unauthorized credit inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXXUnverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX 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 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XX/XX/XXXXXXXX-Unverified account- Delete immediately XXXX XX/XX/XXXXXXXX Unverified account- Delete immediately XX/XX/XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, Texas XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: IN

Complaint narrative:
They called and said the call was being recorded and asked my name and address. When I asked who they were they only stayed their name and said " this is not debt collections or a solicitor I am calling about a personal matter ''. I asked again who they were and they provided an old address and asked for me to confirm it was my address. I said no and they said they would mark my number as a wrong number and hung up. 

The woman said her name was XXXX XXXX. 

I called back and asked what company they were and she said IC System.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.

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 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: PA

Complaint narrative:
I had a problem with Self last year that wasn't fully rectified. They closed my loan account but I never received my money from that account. I was contacted by corporate saying they'd issue a check but they still have yet to do so. I requested that they put the money owed towards my balance I believe account # XXXX if they weren't going to send me my refund. I have them another chance this year account # XXXX. We are still having issues. I had my identity stolen and had to change checking accounts. I updated my account for some reason it didn't take it from the new account I provided but the old one. I have tried several times to call customer service to no avail. This is my only credit card that I've had issues with. Self is an amazing concept to help people build credit. But the communication is horrible with customer service. Honestly this should've been extremely easy to fix. I'm a XXXX XXXX XXXX  I don't have alot of free time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ClearOne Advantage, LLC
State: NC

Complaint narrative:
On or about XXXX I entered into a program with ( COA ) CLEAR ONE ADVANTAGE to pay off a creditor ( XXXX ) XXXX XXXX XXXX XXXX. Clear one made a settle agreement with XXXX in the amount of {$5700.00} with fees included of {$3400.00} for a total of {$9100.00}. I have been paying {$250.00} per month from XXXX to today which comes to {$4400.00} paid to date. Once I learned that Clear One was only paying the creditor {$10.00} per month I started asking questions, " How much has XXXX been paid and how much was COA was paid in fees ''. I logged into my account but was unable to find much information. I did find a vague Activity Statement but it did not explain what was going on. I sent emails and made many phone calls also. On XXXX I canceled the program with COA and made a direct payment arrangement with XXXX. According to COA I owe them another {$500.00} in addition to the {$4200.00} already paid. When the fee going to COA was only {$3400.00}. My balance with XXXX still remains, COA took all of the fees up front. I do not agree with how COA does Business I have been cheated. All or most of that money could have been paid to XXXX. I am a XXXX XXXX Veteran on a fixed income, I can't afford to be ripped off.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: U.S. BANCORP
State: MO

Complaint narrative:
US Bank, a large national bank contacted a primary account holding on a checking account in XX/XX/ 2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners.

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2021-08-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. This company has failed to investigate & obtain, as mandated by law, proof of such debts. They have had more than 90 days, which I have given more than enough time and more than 3 dispute letters were sent to resolve this. Now it is time to DELETE the accounts per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In 2001 when I started college I must have signed up for this private student loan which I hardly remember and from what I understood as a kid to be 5.5 % for {$10000.00} unfortunately come to find out years later when its in repayment they charge a variable interest on each payment which was not explained to me and I obviously didn't understand as a kid starting college. Payments are XXXX bucks XXXX XXXX gets applied to interest from what Im finding out now. Since then the payments are small so I never thought much of it, and they always say we cant send you physical mail, and calling to talk to someone is a pain if you ever get through, so as time goes on this gets put in back burner. Fast forward 20 years and this loan has only been paid down to {$7000.00}. I called them and told them I was a kid and did not understand this practice which looks a lot like predatory lending. They basically just said its a loan i signed and that's it. Offered no help no assistance other then an email to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.

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 2021-08-04 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: AL

Complaint narrative:
Account password media getting locked out and password media changing without notice. Attempted to call and keep getting hung up on it phone call drops unexpected it they can't hear me nor me best them but phone line still be going, something fishy if going on repeatedly wrong with my personal info and contract numbers I have never seen or old numbers as point of contact for present now. The more I dispute, they move changes spear of a different problem, being strung out over the course of going on ( 2 ) years now, and have completely taken over my company credit and my entire life.

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 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NM

Complaint narrative:
On XX/XX/21 I tried to transfer {$1100.00} using my debit card directly my wife 's bank account in the XXXX using XXXX XXXXXXXX XXXX. I think official company registered name is RIA, XXXX XXXX, CA or Continental Money Exchange Solutions, dba XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX At the end of the transaction a message flashed " your bank refused transaction '' and immediately kicked me off the site without proving any receipt or record of the transaction. I immediately went online and checked my bank account. The {$1100.00} debit was already there and processing from " XXXX XXXXXXXX XXXX CA ''. When I signed back in to my account on XXXX, it did not show this transaction. I called the company by number located on line and the representative could not locate it either. The company representative named " XXXX XXXX told to send a picture of the bank transaction and gave me an email address. I did, but the message was rejected as not a good address. 

I called the number included in the bank debit transaction with the same results. I found their " customer care '' site and submitted an inquiry stating all the actions. I received an email response with an Inquiry # XXXX. Indicated I would receive a response in 24 hours or less. NONE received to date. 

I have made multiple other calls and been told many different things, from bank refused my transaction, they do not accept debit cards for XXXX XXXX transfers, can not locate my transaction to they are processing a " reversal ''. The last call today indicated that they found my complaint but could not find any " reversal '' request. 

My bank, XXXX claims they can do nothing as the transaction is still " processing ''. 

In the meantime my wife was without money to go to a doctor and my money is in limbo so can not send by alternate means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX  - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
fraudulent accounts were listed on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: UT

Complaint narrative:
Transunion continues to report a XXXX XXXX XXXX. They have sent a request that it be deleted from credit and this was over 2 months ago, they said max it would take 30 days. This continues to report and it needs to be removed ASAP.

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 2021-08-04 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: FL

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX  on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.

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