vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reached out to Transunion to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the XXXX national emergency ends. I got XXXX in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.

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 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In XX/XX/2021 I checked my account and saw no payment due ( no photo available ). I was then dunned by telephone for the amount of {$83.00}. On XX/XX/2021 I again checked my account, which showed no payment due ( photo attached ). On XX/XX/XXXX I was again dunned by telephone for a past due amount of {$220.00}. 

In discussion with a supervisor named XXXX he stated that the online info is of no value, and that I need to go by the pdf file sent to me or available online. Any other info is meaningless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello PLEASE HELP and please read : ( I have been assessed with tons of fees due to my unemployment lapsing for three weeks, during this time I told to stop overdraft protection and to stop all transactions so I wouldnt have this happen. The companies said they cant do anything and only the bank can. XXXX Early XX/XX/2021 is when it started happening ) Please I will do anything if you can just do a courtesy reversal or something : ( I am late on rent because of this and some utilities : ( I also have XXXX and dealing with that sadly and its really up to you guys to help please : ( I will do anything : (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting an account on my credit file that needs to be removed. I took a look at my credit and noticed that Knight Adjustment continues to report a collection on my credit despite me paying it. I am aware that Knight Adjustment can report to the bureaus as they deem necessary. I ask that they delete this collection and provide me with a letter stating the bureaus should remove this account. If I do not receive said letter, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to legal proceedings against Knight Adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: IL

Complaint narrative:
ON XX/XX/21 AT XXXX MY WIFE AND I CLOSED ON THE PURCHASE OF A NEW HOME, THAT MORNING AFTER REALIZING WE WERE BEING CHARGED OVER {$3000.00} IN TITLE FEES WE CONTACTED THE TITLE COMPANY TO QUESTION THE FEES AND THEY HUNG UP ON US WITHOUT OFFERING ANY EXPLANATION. I THEN CONTACTED THE TITLE COMPPANY MANAGEMENT WHO TOLD ME THEY WERE VERY COMPETATIVE AND REFUSED TO DO ANYTHING ABOUT THEM OTHER THAN REMOVE AN {$80.00} DOLLAR WIRE FEE ( THEY ARE CHARGING US FOR WIRING FUNDS THAT THEY REQUIRED, THEY WOULD NOT ALLOW A CASHIERS CHECK ) THEY DIDN'T EVEN DO THAT. I TRIED TO EXPLAIN THAT ALL THE TITLE FEES THEY WERE CHARGING US WERE DISCLOSED BY OUR LENDER AS NOT BEING BILLED TO THE SELLER OR BUYER BUT RATHER BEING PAID BY SOME " OTHER '' PARTY & THEY ALSO TACKED ON {$6700.00} UNDISCLOSED PROPERTY TAX CHARGE. LEARNING ALL THIS HOURS BEFORE CLOSING AND BEING TOLD IF WE DIDN'T AGREE DON'T CLOSE DID NOT LEAVE US MUCH OF AN OPTION SINCE SO MANY OTHER OBLIGATIONS REVOLVED AROUND THIS CLOSING.OUR UNDERSTANDING OF THE DISCLOSURE REQUIRMENTS IS TO MAKE SURE THE BUYERS ARE NOT BEING CHARGED LAST MINUTE UNDISCLOSED FEES, IN THIS CASE {$10000.00} OF UNDISCLOSED FEES. WE CHOOSE TO PAY A HIGHER RATE FOR OUR MORTGAGE IN EXCHANGE FOR THE ELIMINATION OF CLOSING COSTS. WE CAN UNDERSTAND THE {$6700.00} TAX FEE BUT IT WOULD HAVE BEEN NICE TO BE TOLD THAT FURTHER IN ADVANCE. THE TAX FEE ASIDE WE DO NOT THINK ITS RIGHT TO TELL SOMEONE IN THE PRELIMINARY DISCLOSURE SOME " OTHER '' PARTY IS PAYING THESE FEES AND THEN FINDING OUT AT THE LAST MINUTE YOUR BEING REQUIRED TO PAY THESE FEES. IF THIS WERE A TRIVIAL AMOUNT OF {$50.00} OR {$100.00} WE WOULD NOT MAKE AN ISSUE OF IT, BUT ITS OVER {$3000.00}. IF THIS IS NOT AN EXAMPLE OF THE PURPOSE OF THE DISCLOSURE PROCESS I DON'T KNOW WHAT IS. WE ARE ASKING FOR A FULL REFUND OF ALL THE TITLE CHARGES WE PAID. PLEASE HELP XXXX AS NO ONE ELSE WILL LISTEN. THANK YOU, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
I Have sent dispute letters letting Experian Know these are not my inquires on my account on XX/XX/2021 2021

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NJ

Complaint narrative:
a debt validation letter was sent to you on XX/XX/2021 and have yet to heard a response, please advise.

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 2021-06-15 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: AFNI INC.
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 
XXXX  XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
An account with XXXX XXXX showed up on my credit report for an account with XXXX XXXX XXXX I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.

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 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : TU : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US 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 2021-06-15 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: MA

Complaint narrative:
*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; EQUIFAX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with Transunion, and it wasn't removed. All Transunion keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is Transunion still showing that old account. This account should not be on my credit report. 

File number : 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 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I notified XXXX XXXX  that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with XXXX XXXX  on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment XXXX XXXX drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to FCI Lender Services , Inc. effective Thursday XX/XX/XXXX but according to FCI Lender Services the loan was transferred by XXXX XXXX with very little information. FCI claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately XXXX XXXX did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to XXXX XXXX on my behalf. I then immediately call XXXX XXXX and was told that they had an entire servicing team which FCI can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by FCI, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with XXXX XXXX as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to FCI Lender Services at XXXX. 

I am requesting that FCI waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with XXXX XXXX. If FCI has additional questions I am requesting that they reach out to XXXX XXXX. 

I am also requesting that XXXX XXXX  send me a payment history of my account as well as send all relevant information to FCI.

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 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
This Debt was originally satisfied by a previous FTC report, in this regard the debt was sold to a collector and has now repaired under a different collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got Covid in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got XXXX  in XXXX and was XXXX  from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.

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 2021-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
2. The next complaint is XXXX Community College is reporting the same debt twice on my credit report from Automated Collection Services and XXXX XXXX XXXX. Both have the same amount owed and paid. Automated Collection Services is showing XX/XX/XXXX and XXXX is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.

Company response to consumer: Closed with explanation