vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
Dear Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently HAVE YET A received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction withabove listed account.I was saddened to learn that you FAILED TO verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) IGNORED MY REQUEST. I would like to see a complete list of all documents and correspondence with whom you obtain the account from. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NY

Complaint narrative:
My credit score is down 46 points despite having an excellent history of timely payments and excellent use of credit at my XXXX XXXX XXXX. I called my bank to get clarification on the matter, they were unable to help me because as I mentioned I have an excellent credit history so they gave me the Transunion phone number which is XXXX. I called them and spoke to a representative who said that from their records, I never used credit, so they lowered my credit score. But this is not true, I am using the credit and paying the full amount as soon as possible to increase my credit score and I can prove it with my XXXX XXXX credit transactions. I asked to speak with the Transunion supervisor who was busy at the time and was supposed to call me last week, but they never called me back. It's outrageous. I want to make a formal complaint and investigate and get my 46 points back. Thank you!

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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I made a payment of {$2200.00} on XX/XX/2020. This payment was processed the next day, on the XXXX. I received a confirmation email that it was processed. 

My monthly payment is due on the XXXX for an amount of {$330.00}. Today, on XX/XX/2020, my account is saying that my XXXX payment is past due. 

This is un acceptable. I made a very large transaction and it got processed before my payment was even due. Now, six days after that transaction my account is saying I missed a payment. HMFUSA 's  constant mishandling of payments is going to negatively affect my credit score and worthiness. 

I no longer want to work with this company! Please let me pay off my loan in full!

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 2020-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
On XX/XX/XXXX I called time finance company to settle my account that has been closed since XX/XX/XXXX therefore I spoke to XXXX XXXX a recovery specialist for this company.. my original balance after my car was repossessed was {$4700.00} ... when I spoke to XXXX XXXX from time finance regarding a settlement XXXX XXXX accused me owing more than {$6000.00} from the time of the repossession and  said the lowest I can take is {$4700.00} .... And threaten me in a unprofessional manner and by Mentioning to sue me and hold a judgment against me if I didnt pay ...

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 2020-08-11 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: MoneyLion Inc.
State: MS

Complaint narrative:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MS

Complaint narrative:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

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 2020-08-11 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: MS

Complaint narrative:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MS

Complaint narrative:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX sent me an email promising 10 % rebate for purchases made at gas stations, restaurants and grocery stores during XXXX, 2020 as long as my purchases were between {$2000.00} and {$2500.00}. I made purchases of XXXX which included two {$420.00} purchases of gift cards at XXXX XXXX XXXX XXXX. Sears claims that these two purchases did not count, because they were made online and not at the restaurants, and that thus I did not reach the minimum {$2000.00} threshhold, so they denied any rebate. But the email offer I received said nothing about online purchases not qualifying. I frequently purchase these gift cards as gifts, etc. and have gotten the rebates before from Sears. The only difference this time was that the purchase was made online and not in the physical restaurant. There was nothing on the offer which excluded online -- it merely said " restaurant purchases '' which was what these were, and they had to be made online because due to Covid-19, the physical restaurants were temporarily closed. I exchanged messages with Sears and called also ( 25 min waits on two occasions ) and was promised a response the last time I called but Sears never returned promised call. Attached offer copy is not the XXXX period, but is substantially identical.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I tried to transfer money direct from my account at PNC, as I did many times before, and it has been impossible, since I can`t access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX OH # XXXX XXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXXXXXXXXX

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: VA

Complaint narrative:
I've been dealing with incompetent representatives since XX/XX/XXXX and unlawfully closed my case without resolution and consent. There have been over 19 email exchanges, XXXX interactions pinpointing their flawed accounting data. They have refused to respond to my additional correspondences. In addition, I want to file a complaint for accounting fraud, in violation of consumer rules, laws and regulations. I've made it clear to them I would be filing a complaint if they do not respond and gave them a final notice. They have blatantly disregarded my concerns and unlawfully hoarding my funds. 

The account started with {$8.00} and I added {$75.00} on XX/XX/XXXX totaling to {$83.00} balance. I attempted to make a {$75.00} purchase but was declined. Each time it was declined, my funds became unavailable. So, I added another {$75.00} but was declined again and my cash was taken out. Because I was utilizing a 10 % rebate promotion, the system credited {$7.00} which is why I have a current balance of {$91.00}. They released the {$75.00} hold which they corrected voluntary. But based on all the declined purchases, I should have a balance of {$160.00} which the representatives have disregarded. They also confirmed they were having technical issues. They keep saying they refunded both {$75.00} but they haven't. I believe they misread the numerical data and mistook {$75.00} for {$7.00} in their spreadsheet ( also attached ). I am requiring the {$75.00} returned that is rightfully mine and compensation for the issues they have caused including their unprofessional ism and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XXXX XXXX Original creditor passed a fraudulent debt on to MERCHANTS CREDIT GUIDE who has been harassing me non stop. I have no documentation of this debt on my XXXX XXXX XXXX coverage. I am ready to take this to an attorney. I want Proof of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX SXXXX XXXX XXXX OH # XXXX TXXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX-XXXXXXX

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 2020-08-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to 5/3 bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a usbank reliacard unsolicited through the us mail. They didn't even have my name correct on the card. I do not appreciate the offer and I consider it harassment and I feel that it opens the door to fraud and identity theft. I have no desire to do business with us bank and I want them to cease and desist with this harassment.

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have tried to connect my PNC bank account to several different financial services all of what use XXXX  on the back end. Every time, PNC blocks the connection. other bank accounts with other banks that I have do not exhibit this issue, and XXXX has made it clear that PNC is deliberately trying to block their access. The same is true for work that my company has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
There was one missed payment and they charged an additional {$60.00} Fee on Top, and told me that I had better come up with {$300.00} otherwise it was going to collection. I borrowed {$700.00} and wasnt told up front that it was 480 % interest!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
They report that I was a fault in a car accident in which I was rear end by a truck and do to false reporting it cause me to be denied car or to receive a high car ins rate, there is is phone number social security number address and multiple same accounts on my report that are not mine I need this to be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


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 2020-08-11 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: OH

Complaint narrative:
I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have never received any notification to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted a payment for my interest only mortgage for XX/XX/2020. Instead of my regular payment amount of {$1300.00} being debited, Bank of America debited {$2600.00} and applied half to principal. I dont understand why they did this. 

They have no responded to my secure messages and I can't get anyone on the phone because wait times are over 90 minutes long. I have also asked to be removed from my deferral payment plan and put back on my regular monthly payment plan as it is very confusing on how to pay my regular bill at this point and have received no response.

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