vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Debt Holdings, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I was making payments to United Debt Holdings for a debt with XXXX XXXX. I was making payment of XXXX and I paid them off for that bad debt. However, they kept charging my debt card monthly even after I had completed all required payment. I tried to call the number I was given for them and could never get in touch with anyone. I had to cancel my debit card to stop them. I tried for months to get the payment that was not supposed to be taken back to me, but could never talk to anyone. I just let it go, thinking there was nothing I could too, I was younger and did not know better. In the last year I have been cleaning up my credit report, and paying items slowly as they come. A few months ago, I got a call from my supervisor that someone was calling for me at work, talking to several people saying if I did not call them back I was going to jail and someone was going to be at my job in two hours, saying I missed a court date. My boss gave me the number and I called. They claim to be XXXX XXXX XXXX, they said I owed over XXXX to an old debt. At first they could not give me the exact name of the company I owed. That should had given me red flags, but at the time I was so upset. They eventually said it was with XXXX XXXX. Then I said I had paid them off years ago, and he said could I send him proof. I went home and tore up everything looking for something to show I paid them off. But I had nothing. I don't even have the same bank anymore. So when I called back I was forced to accept that I had to set up payments even though I knew I had paid it, but had nothing to send this company. Otherwise they would had sued me. They only wanted a debit card, could not using a checking account unlike the other companies I was dealing with, because as I said I was cleaning up my credit report and making payment to companies on my own. Well last week I was going through paper work, and found a book I wrote down my monthly payments. And there it was XXXX XXXX, {$98.00} a month, last payment was in XX/XX/XXXX, and I had a phone number by it. I knew I had paid it. So I canceled my debt card so that this company could not get another dime from me. I had already made XXXX payments of XXXX to them, a total of XXXX that I did not even owe. I looked online, and saw complaints after complaints, the same stories of what happened to me. You can not even find the company online ; the phone number is not online. I paid off XXXX XXXX  with United Debt Holdings, and they took more than they should and did not report to the credit bureau. 

Oringally paid off XX/XX/XXXX with United Debt Holdings Contacted by XXXX XXXX XXXX on XX/XX/XXXX Made two Payment of {$100.00} XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about debt already paid

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 2020-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XXXX was taken from my savings account by navy federal to pay off an account they say that I am the joint owner on. Since they say I was the joint owner and not the account holder, they didnt have to send me any correspondence regarding default on the account, or that they would take money from my savings, not my checking but my savings account to pay for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: CarMax, Inc.
State: CA

Complaint narrative:
Car max said I was never. I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: LA

Complaint narrative:
I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received a notice of delinquency from the XXXX XXXX County Treasurer and Tax Collector because the mortgage company, Shellpoint Mortgage Servicing, did not pay the second installment of property taxes, which was due on XX/XX/2020. I went online to my mortgage company 's website and saw that I have an escrow balance of over {$4500.00}, which indicated to me that they did not pay the property taxes. I called them and was told they needed to research the issue and that I should call back in 7 days. I was assessed a late penalty of {$230.00} because of the mortgage company 's failure to make the tax payment. I need for them to make the payment and provide me with proof that the payment has been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX said I was never. I have never been late

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 2020-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX said I was never. I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX said I was never. I have never been late

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 2020-06-04 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2020-06-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2020-06-04 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: WA

Complaint narrative:
These are not my accounts, nor is some of the personal information correct regarding my addresses and name. Additionally, I did not authorize any of these merchants to run my credit. Please remove 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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In late XX/XX/2020 I noticed a charge on my account that I owed a hotel the XXXX in Dc that was booked through XXXX the amount XXXX my account was debited along with NSF for XXXX there were several as others payments could be processed. In XXXX Bank Of America Finally posted a temporarily credit to my account. Per there research I owed the funds. I informed them that I did not book the reservation as I had no reason. I have used the company XXXX for a hotel stay that was schedule for XXXX in XXXX but due to Coronavirus I forgot to call and cancel. I was not charged for it either. To my surprise I was charged for a stay that I didn't book at all. I had no reason. The night they said I booked it I was at home with a stay at home order for my state of Maryland. As a result this transaction has caused sever damage causing regular payments not to processing resulting in more overdraft fees each at XXXX. As of today I will not have a paycheck on Friday XX/XX/2020 as the fees and the payment for the no hotel stay at all being debited form my account. I have filed a re-open and I have informed the bank of my filing with your agency. As my Account was also hit my XXXX an over charges as my bill was paid in Full in XXXX and a week later they sent a credit for phones I returned to only charge my account XXXX by XX/XX/XXXX, XXXX. I called they refused to refund the monies stating that they can credit my account as I'll owe for this month. This was not an approved transaction. I was hit even more fees by Bank Of America as a result. I am closing this account as of now I have no funds to pay my car insurance, normal bills that come out and most of to buy food for my XXXX grand children that I am raising.

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 2020-06-04 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: WA

Complaint narrative:
These are not my accounts, nor is some of the personal information correct regarding my addresses and name. Additionally, I did not authorize any of these merchants to run my credit. Please remove 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 2020-06-04 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: WA

Complaint narrative:
These are not my accounts, nor is some of the personal information correct regarding my addresses and name. Additionally, I did not authorize any of these merchants to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Please investigate and suspend USAAs banking operations! They prey and take advantage of XXXX  veterans, even during this covid 19 pandemic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient Private Loans : For the last couple of months I have been calling to see if I can lower my payments. This month I go to check my account online and it says my payment is {$85.00}. I called several times and spoke with several different people who all say that my bill is {$110.00}. I have explained that I got multiple emails that say my total amount due for this month is {$85.00} and not {$110.00}, I also explained that I can't pay {$110.00} but I can pay {$85.00} or if there are other lower options. They don't seem helpful and willing on helping me pay a lower amount. I always call to make sure what to pay and if I need my payments lowered for the month. I've never missed a payment and always pay the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I was in a collision in a vehicle I rented from XXXX XXXX  XXXX. XXXX filed a claim ( # XXXX ) and I created a claim with my primary insurer, XXXX ( # XXXX ) and my secondary insurer, XXXX XXXX XXXX ( # XXXX ). 

XXXX timely approved payment on the claim to XXXX, and my secondary insurer paid my deductible on or about XX/XX/XXXX. 

Since then, XXXX has refused to take payment from my primary insurer and has started threatening me with legal action. I have called XXXX and XXXX on atleast four separate occasions and both have assured me they will sort it out. Nevertheless, I have continued to receive threatening communications from XXXX that, unless I pay the remaining sum, which should be paid by XXXX and which XXXX has already agreed to pay, I will be sued and reported to collections. 

On or about XX/XX/XXXX, I received a formal letter from a collection agency, XXXX XXXX, that XXXX had assigned the debt and that I am subject to legal action. 

At this point, it appears that XXXX has decided not to work with my insurer, who has subrogated my claim and agreed to pay, and is instead insistent on shaking me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
Unemployment service in Maine said they sent me a usbankreliacard through the mail. It has never arrived. I can't get through calling usbankreliacard on the phone. Can not access their website without the card which never arrived through the 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 2020-06-04 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: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Recently while applying for a home loan I discovered I had been the victim of identity theft. Someone had used my information to open a fraudulent account with a lot of business and company. Including Telecommunications, Credit Cards, Cash loan, Car Loans and Bank accounts. This is not my account and I have enclosed a police report indicating this. I have attempted to dispute this information with the collection agency but have made no progress.

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 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: LA

Complaint narrative:
I contacted the credit bureau requesting verification of debt. They only responded verified with no other verification that the debt is factual. I then reached out to the collections agency asking for verification of debt. No one responded to me from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: PA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Recently while applying for a home loan I discovered I had been the victim of identity theft. Someone had used my information to open a fraudulent account with a lot of business and company. Including Telecommunications, Credit Cards, Cash loan, Car Loans and Bank accounts. This is not my account and I have enclosed a police report indicating this. I have attempted to dispute this information with the collection agency but have made no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: PA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : 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