vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my lease with Nissan ended ... A month after, Nissan sent me a final bill with a mileage and tax balance of {$3200.00}. Within a couple weeks, XXXX XXXX XXXX ( hired by Nissan ) began calling me to collect payment. Early XXXX I spoke with XXXX XXXX XXXX and Nissan to get confirmation that I can pay XXXX XXXX XXXX directly for my Nissan bill, Nissan approved because the bill was in collection with XXXX XXXX XXXX. After speaking to XXXX again, the option was presented to SETTLE IN FULL for {$1900.00}. I immediately called Nissan to re-confirm ( they record calls, please feel free to check ) that I could pal XXXX and NOT get any negative marks of my credit report. They said if I am agreeing to SETTLE IN FULL, that no negative marks would be placed on my credit report. On XX/XX/XXXX I paid XXXX in the amount of {$1900.00} to SETTLE IN FULL ( I have the settlement letter ).  On XX/XX/XXXX I received a statement from Nissan requesting the remaining balance left after paying the {$1900.00}. Nissan told me to disregard the bill since I settled in full. XX/XX/XXXX, I get an " N '' ( negative remark ) on my credit report from Nissan, as if I had not paid them or I still owed a balance. I contacted them and they placed me on the phone with several people who were clueless to why anything negative was attached to my credit report and nothing has been done. At the time, I was in the process of refinancing my home, and could not because of the immediate and drastic drop in my credit score. Please assist! 
XXXX Acct # XXXX / Nissan Acct # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loandepot.com ran my credit with out my permission. When I asked them to remove the hard pull from my credit report they refused. I ask to file a complaint about the loan officer who pull my credit with out my permission they told me I could not. The NMLS of the person who pulled my credit is XXXX, XXXX XXXX. The company 's NMLS is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was unable to obtain a credit report from Transunion due to an " error ''. Once I signed up for their paid service, I was able to obtain a report but every time I attempted to dispute the report for inaccurate information I got, conveniently, another " error '' message. The features are not working on their website and it was supposed to be a 7 trial period for the paid service. They charged me immediately. There is no way to actually speak to anyone. I was on hold for 3 hours and no one answered and then I was cut off. There is no way to email or instant chat with the company. How am I supposed to dispute my credit? How am I supposed to get a refund? Their customer services are circular with no way to actually communicate directly with them. We are supposed to use the mail as though this is 25 years ago. With the mail I have no way to take of this expeditiously. I want to take advantage of low mortgage rates but their option for me dealing with inaccuracies will literally take months!

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 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Asset Recovery LLC
State: MO

Complaint narrative:
I am disputing the debt charged off and now this debt collection company, Portfolio Recovery is calling me two to three times a day using a robo call system. They call at XXXX and also call at XXXX almost everday for going on 3 months at this time. 
XX/XX/XXXX they called at XXXX they also called at XXXX XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX XXXX  XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX The have been told not to call my number but still call and they are also using a Phishing technique to get me to answer by using erroneous local phone numbers to avoid their Company 's Name showing up in my caller ID. 
I have warned them no less than 5 times that I would report their practices to the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion shows a credit report requested on XX/XX/2020. They were unable/unwilling to tell me who initiated this credit report. The issue is critical, because someone hacked our account with our home phone provider, on that same date, and began a " Port-OUT Scam. 
They successfully impersonated me on XX/XX/2020 and then on XX/XX/2020 initiated a Port-Out request which resulted in our phone number being ported-out from XXXX, via XXXX, to XXXX XXXX XXXX. We are trying to learn who is the perpetrator of this fraud and recover our phone number and are having trouble getting info from all parties. 

A quick XXXX search shows that PORT-OUT SCAMS are routinely used as the first step in identity theft! WE NEED HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I was under a financial hardship after my divorce and been laid off from my employment that caused me to be behind with my mortgage payment, I have tried several times to seek assistance with my current mortgage lender. Now I'm employed and my area has been affected by COVID-19 causing my income to decrease so I contacted the mortgage company again for assistance with a forbearance program that was approved on XX/XX/2020 but when I call to make the payment I have been advised that it was cancelled. I have been on the phone calling the mortgage company and no one can give the correct answer why the forbearance was approved and than cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
On XX/XX/2020 I received an unsolicited email from Loan Company Lendumo. I was advised that the loan that I applied for has been approved and I needed to contact Lendumo. I immediately sent an email advising that I have not and will not apply for any loan with this company. Until this day I have not even heard of this company. 

On XX/XX/2020 I received a second email from Lendumo advising that for me to cancel this loan ( that I never applied for ) I would have to contact them by telephone to have my application withdrawn. I sent a second email to Lendumo advising for the second time that I have not and will not apply for any loan with this agency. I also requested that they stop contacting me ( at work ).

This is an unsolicited transaction and I am filing this complaint to have something done about and to this fly by night agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I would like to link my personal PNC checking account to the XXXX XXXX Savings program and apparently PNC doesn't allow that. Currently the interest rate with them is .56 APY and I want to jump before this goes away. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because Barclays Bank refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and Barclays Bank as well as their respective lawyers trying to collect this debt are aware of all of the facts. If Barclays Bank ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that Barclay Bank can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX Division, Commonwealth of Massachusetts, Probate and Family Court Department. Barclays Bank continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/2020 I received a letter from NewRez mortgage company stating that they had purchased my account and payment was due XX/XX/2020. I had automatic payments made to my previous mortgage company XXXX Mortgage. I immediately sent an email to no avail. Then I was told they would get the payment from XXXX in fifteen days. However, to date they have not credited my account the {$1200.00} per month I paid and were deducting what should have gone to my principal from my account. 
I sent them a letter, as well as XXXX. They have threatened me with credit reporting ( until covid ). 
I do not feel I am required to pay a mortgage twice. It is their responsibility to collect all monies when they purchase the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
There are fraudulent and inaccurate accounts reporting on my 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 2020-04-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is in violation of FCRA for failure to follow the procedures on the below accounts XXXX XXXX # XXXX inacurrate payment history- inaccurate payment status inaccurate date of last payment-no notice of dispute during or after investigation. 
XXXX # XXXX payment status inaccurate - no notice of dispute during or after investigation. 
Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... 
the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof. 
15 U.S.C. 1681i provides the procedure by which a consumer reporting agency ( " CRA '' ) must abide whenever a consumer disputes an item contained in his or her credit file. 
Section 1681i ( a ) outlines the reinvestigation that the CRA must undertake after the consumer notifies the CRA of the dispute. 
Section 1681i ( b ), in turn, permits the consumer to file a " statement of dispute '' with the CRA in the event that the reinvestigation fails to resolve the dispute. 
Finally, Section 1681i ( c ) requires any consumer report produced subsequent to the filing of the statement of dispute to clearly note the dispute " and provide either the consumer 's statement or a clear and accurate codification or summary thereof. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/2018 charges were made to XXXX Credit card. These were for reoccurring shipments that had been cancelled and not received. Vendor amended billing but failed to completely correct all charges made to the account. Ultimately, I paid charges which were in dispute just to close account so that not my PERFECT credit of 35+ years would not be affected. Account was subsequently closed. However, and despite reporting this multiple times to EXPERIAN, a " Delinquency '' is still showing on my credit report. This is now affecting my auto  insurance rates as my agent has given me a code reported to them as " XXXX # ACCTS BAD DEBT IN LAST 24 MOS OR DEROG PUB REC OR COLLECTION IS 1 OR MORE -- '' For 30 years I have never paid anything late and have paid back hundreds of thousands of dollars in credit card/mortgage/car notes. This ONE occurrence is now reflecting poorly on my entire credit history. This is outrageous. I have reported this multiple times to EXPERIAN. They do nothing to take this off the report. It is libelous. I am considering seeking legal counsel for the failure of these credit agencies in representing an accurate account of my credit history. Not only has this affected my credit score but it is also affecting my pursuit of auto insurance.

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 2020-04-29 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: AR

Complaint narrative:
There are fraudulent and inaccurate accounts reporting on my 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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
I being using Remitly international transfer money, but for the last 2 weeks i have problems.My issue now is about a refund of {$150.00} on XXXX XXXX.I tried to speak with the company and its horrible, only thru chat messages and they say they will fix it, I check everyday and nothing happens.At this point I just want my money back security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC refuses to allow me to tie my debit card or other accounts to XXXX -- for deposits into my XXXX account when i use my PNC debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX Spoke with company about resolving debt they told me I could for XXXX. I told them I had XXXX she told me they could not and if didn't call by XXXX day of XXXX 2020 the original debt would be due I said ok.. 

XXXX Called back to talk with supervisor about the same and she was even more rude and threatening telling me I had to pay and XXXX was too low or they would keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: NJ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CITIBANK, N.A.
State: GA

Complaint narrative:
CFPB Case # XXXX Citi XXXX XXXX - CreditCard This letter is followup to the above case, it is relevant because this case is new since Citi just place the changes on XX/XX/XXXX. In XXXX Citibank entered delinquencies on my credit card account, even though the account was involved in fraud. Citibank had incorrectly changed my billing and email addresses. They sent my billing statements with {$20.00} due to the wrong address ( in another state ) for 4 months. When I finally received the bill I immediately paid the {$20.00}. They also billed me {$150.00} in overdue charges and fees. After much discussion one group dropped the charges but another sent in 3 - 6 months delinquencies on my account. This amounted to my credit rating being dropped over 70 points and the marks against me being on my credit record for 7 years. 

After receiving correspondence from the CFPB, Citibank rectified the issue and on XX/XX/XXXX the credit Bureaus corrected the problem. My credit rating raised to over 800 ( Excellent ) - which is what it had been for years. 

On XX/XX/XXXX Citibank resubmitted the original false delinquencies to the bureaus and my credit rating was reversed to the 700 's ( good ). XXXX  reviewed my file and the letters from Citibank to remove the delinquencies. They contacted Citibank and Citibank again refuses to correct the problem. 

Please help. I need next steps. Do I have recourse?

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