vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Four Directions Lending LLC
State: MD

Complaint narrative:
Fell behind on payments in XX/XX/XXXX. Sent a " Cease and Desist '' email to West Side Lending on XX/XX/XXXX revoking ACH debit authorizations and stopping all phone calls. ACH debits stopped. I received calls from West Side Lending on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The rep acknowledged that they received the Cease and Desist email but wanted to keep talking to me " since [ she ] had me on the line. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
I had a signed settlement agreement with the Credit Control LLC for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX and XX/XX/XXXX. I have a statement and notices from the bank reflecting sufficient amount on the account and an overdraft services were on. On XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact Credit Control to clarify through their website and sent 3 message of which I have time stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentlemen they have 2 different parts of the collection department and another department is under a different number, which i called and left a voicemail as no one was available. Then I proceeded sending another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX, if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments, then I was told that my payment did not go through and that agreement was voided and now I have to start paying off the same amount a new. Not only that manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I was not even able to speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and placed me under pressure. Where this agency prey on the debt problems and make them worse instead of helping in resolving.

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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.

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 2021-02-25 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:
Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( TRANS UNION, XXXX XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX AUTOALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit XXXX XXXX XXXX XXXX, XXXX, OHXXXX.

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 2021-02-25 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:
Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, XXXX, EQUIFAX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX  XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I called American Accounts and Advisors regarding a letter I received stating I owed a debt of {$670.00} regarding a charge from XXXX XXXX XXXX on XX/XX/2021 at XXXX XXXX. I spoke with a representative, provided the File # listed on the correspondence and was transferred to the line of an individual named XXXX. My call went to voicemail, at which point I left my name, call back number and the File # listed on the letter. As I was ending the call I received another. I switched calls and was informed the person calling was XXXX and she had just missed a call from my phone number. I informed XXXX that I had just left her a voicemail regarding a letter I had received. She proceeded to ask if she was speaking with ( my name ) and I said yes. She then disclosed the name of her company and read me the mini-Miranda. I had asked why she would do that without proper verification. She informed me that all she needed to proceed with the call was to verify my name. I stated, " Not according to the FDCPA '', at which point she told me I was incorrect and that she was required to disclose the name of her company and that the communication was from a debt collector on all calls, including voicemails, and did not require verification to do so. When I questioned this again, XXXX then said, " Ok then, is your date of birth ( my DOB ) '' to which I verified. XXXX then proceeded to XXXX for payment. She continued to inform me of her company and XXXX XXXX credit reporting process. Additionally, the notice I received does not include any information about my right to dispute this debt. I feel this company is acting in an unfair and deceptive way. I have since checked my credit report and as a result, my credit score has dropped 61 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I had opened a new credit Card with Avant and did not receive any statements until XX/XX/2021. After receiving that statement I saw the I had missed my initial payment that should have been in XXXX however I never received an invoice by email, usps mail, or a phone call abut the payment. I was shocked and in tears. It also reported my account at a high balance because of the late charges they tacked onto my account. I immediatly made a payment and followed up with a phone call. 

The first two times I called the individuals both were able to hear me when I stated who I was but as soon as I let them know why I was calling they no longer could " hear me. So I tried a third time. This time I waited until I knew the person could for sure hear me before I explained my issue with what they reported on my credit. 

The lady was rude and unwilling to remedy the situation. She said it was not their issue that I didn't receive an initial statement. I asked what we could do to remove this from my account and explained how I made the payment as soon as I received the statement. She said they were not able to do that. I let her know that companies are able to remove items from credit if reported falsely or unfairly which in this case was true. She said it was their, the companies, policy not to do that. I asked for a copy of the companies policy where it states that and she could and would not show me documentation. As well as showing no documentation that a statement or phone call was ever made to me prior to them charging my account and reporting to the credit agencies. I also explained that I have been under much more stress lately taking care of my in-laws who are unable to leave the house due to mobility issues. I pick up groceries, prescriptions, mail, ect ... So I understand that I should have been suspicious that I didn't receive a statement in XXXX. However, with everything going on with them and myself. Not to mention the pandemic it was not on my list to keep track of the account receivable for this company. I did my VERY best to communicate with them and was shut with a door in the face ... 

I have worked extremely hard to take my credit back and because of their mistakes my score dropped 70 points! I am even now in tears writing this. All of the other accounts I have are paid 100 % on time and never over the high limit. 

I need help to get this company to be fair and true to my credit. I feel like they are taking advantage of individuals by not providing statements and then charging fees and negatively reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

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 2021-02-25 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: FL

Complaint narrative:
I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hello, We are desperate and really do not know where to turn for help. Back in XXXX of 2020 we heard that because of Covid 19 and the nationwide shut down, mortgage companies were offering up to 6 month of ( deferred? ) payments. So we called US Bank and they agreed to let us take up to 6 months off with no payments. ( Our original mortgage was sold to US Bank. ) Neither of us had lost our jobs ( both XXXX  ), but I lost some income as a XXXX and my wife was unsure what could happen with her job because it is a XXXX XXXX  that relied on tuition, so heading into summer, it seemed like a smart thing to do. 

So fast forward to XXXX. We wanted to start paying again so we called them to let them know and to find out what to do. We were told that we needed to pay {$3600.00} to make up the escrow shortage and then our regular payments would start again on XX/XX/XXXX. So we paid the escrow. We made our regular payments in XXXX and XXXX, on time. We then got a letter saying our payments were late. This is where it gets crazy. We called and they said that the escrow payment was applied to the XXXX, 2020 payment and one of the regular payments was applied to XXXX. So this was a mistake on their part. 

To make a long story short, we have called them 12 times in the past 2.5 months. Each time it is a different person because they can never seem to find the last person. Also, each time, they gave a different explanation and claimed either they would fix it, or that someone would call back. They have moved payments around, but further messed it up. They even have a payment in " suspension account ''. We have talked to customer service, loss mitigation, escrow, and supervisors. ( I have names, dates, and notes for each call, most of which have been 2 hour ordeals. ) They have told me 6-7 times that they figured out, and 6 or 7 times that they would call back. It is not, and they do not. One person even told us to ask to defer payments again and then request a loan modification. ( And they never followed up ). I have talked to no less than 20 people. 

As of today, XX/XX/XXXX, I called again and was told a supervisor would call me right back. That was 2 hours ago. We have made regular payments every month since XXXX but they have us listed as 2 months behind. Also, my credit score dropped 100 points today, even though they assured me they would make sure this would not affect it. 

This has caused us a lot of stress and confusion as you can imagine. We would love to chat with you about this and we are willing to do anything at this point to let people know and to get this resolved. 

Thanks so much,

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 2021-02-25 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:
Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, EXPERIAN, XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX 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 2021-02-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of XXXX separate data breaches my personal information was held liable in, I still dont get the respect I deserve

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On or about XX/XX/XXXX, USAA reported our credit card accounts closed or settled. This was not the case. The credit reporting agencies stated this as negative reporting during a time we were house-hunting and preparing to secure a mortgage pre-approval. 
We decided not to apply to a lender until we could be sure our reports were clear of this matter. 
USAA staff first stated no knowledge, then cited errors by the credit agency, then finally a supervisor acknowledged the error, affected thousands of consumers, stated the error was reported on monthly credit card statements. This was not the case. I asked for letters supporting the accounts were in good standing and these were received. USAA stated the corrections were made with the credit reporting agencies and corrections take 30 days. 
As of today, the alerts remain on our credit profiles. I asked the supervisor if this error was required to be reported to CFPB, given published XXXX issues at USAA, and was told not required. 
As information, USAA call center staff stated the errors could not be addressed until consumers called USAA, as it was not clear who was impacted. 
Yesterday, XX/XX/XXXX, a message from USAA came to my USAA banking inbox stating the error had occurred, and what had been done to address it, which is what they should have done initially. 
This notice to your agency is to make you aware of this matter. 
USAA contacts " XXXX, '' Supervisor on XX/XX/XXXX ; Executive Resolution " XXXX, '' on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX acct was opened on XXXX XXXX and was closed onXX/XX/XXXX. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX , XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX , XXXX, XXXX XXXX, XXXX, and XXXX Companies ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. 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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have had my discover credit card since XXXX of 2015. I used the card a lot and carried a balance most of the time. Last year I received a bonus at work, and paid off the credit card in XXXX to increase my utilization ratio, that will be good for my credit score. And low and behold, my credit score got higher by quite a lot. I have not used the card since I paid it off. I traveled to my home country ( XXXX XXXX ) as a family member got very sick with covid and I left on short notice. Ive been away for 4 months. I get back, and without any notice - I receive an email from Discover bank 2 days ago close to midnight, that my account has been closed due to inactivity. Ive been a member for nearly 7 years and never had one late payment. I called them and they were so unhelpful. Even the supervisor. Rude in-fact and just wouldnt even try to help. This will hurt my credit report tremendously as this will decrease my overall credit utilization ratio.

Company response to consumer: Closed with explanation