vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses from 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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. So I called XXXX XXXX  and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX  states I have no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CA

Complaint narrative:
XXXX, XXXX and Experian continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute inaccurate items on my credit report for over 90 days. The Experian Credit Reporting Agency failed to follow FCRA Accuracy Procedures. The Experian Credit Reporting Agency failed to follow their own procedures for consumer disputes as they pertain to my written complaints, and Experian Credit Reporting Agency failed to follow reasonable written policies regarding information furnished to creditors, thus causing me to have to pay higher interest rates, as well as get turned down for credit both business and personal. Experian has caused me damages because of their lack of following both federal law as well as their own internal policies.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC

Contact XXXX XXXX XXXX XXXX, SCXXXX
(XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULLCITY FINANCIAL SOL Contact  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$330.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
I contacted FedLoan Servicing via secure email on XX/XX/XXXX seeking additional information about my federal student loans. A copy of the text of the message I sent them on XX/XX/XXXX is attached as Letter to FedLoan XXXX.rtf. To date, I have not received any contact or additional information from FedLoan Servicing regarding my inquiry. As it is my current understanding from information available online, FedLoan 's contract with the US Department of Education will end on XX/XX/XXXX and that FedLoan will soon cease to exist, I hope to receive information in a timely manner, which has not yet happened. Given the updates put out by the Department of Education, I am seeking review of the following payment periods : Loan Sequence 3, Period XX/XX/XXXX ; Loan Sequence 4, Period XX/XX/XXXX ; Loan Sequence 5, Period XX/XX/XXXX ; Loan Sequence 6, Period XX/XX/XXXX ; Loan Sequence 6, Period XX/XX/XXXX ; Loan Sequence 7, Period XX/XX/XXXX ; Loan Sequence 8, Period XX/XX/XXXX ; Loan Sequence 8, Period XX/XX/XXXX ; Loan Sequence 9, Period XX/XX/XXXX ; Loan Sequence 10, Period XX/XX/XXXX ; Loan Sequence 10, Period XX/XX/XXXX ; Loan Sequence 11, Period XX/XX/XXXX. Further details can be found in the Letter to FedLoan XXXXrtf attachment. I would like clarification whether these payments count under the new policy or if any additional steps are required to have them count under the new policy. If the payments remain ineligible, I would like a detailed explanation as to why that is the case. I am especially confused as why some payments from some of the same loan sequences counted for periods XX/XX/XXXX and XX/XX/XXXX but not XX/XX/XXXX. I also attached FedLoan 's previous confirmation of my employment with the State of Maryland at the time in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
I sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.

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 2021-10-14 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: CA

Complaint narrative:
XXXX, Transunion and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.

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 2021-10-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am an authorized user on my aunt XXXX XXXX citi card. I got the card been using it. They had told her it would report to all the credit reporting agencies but never did. She had called citi about the matter and they said it should been reported. This is why I am coming here so we can resolve this as soon as possible. My account # ends in 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 2021-10-14 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: CA

Complaint narrative:
Equifax, XXXX and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA

Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please notify all Bureaus such as Equifax, XXXX, and XXXX to remove this account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
XXXX XXXX XXXX XXXX XXXX is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but TransUnion will not based on XXXX XXXX non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
AFFIRM INC Contact XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
mortgage solutions have been reporting a late payment since XXXX when I had my account switch to a new processor and I have been fighting with them to get it resolved because I never make any late payment. now today XX/XX/XXXX, I just received an alert from the credit bureaus that I am delinquent for 150 days and since XX/XX/XXXX, they have not received payment. now, mind you I was on a forbearance plan and I called to make payments so I can modify the loan. I have been making payments from XX/XX/XXXX up until XX/XX/XXXX. I will attach all payments that have been withdrawn from my bank as well as the credit bureau report where I lost 29 points for nothing of my fault. 

I am so ashamed of this company and the way they treat XXXX families, is unacceptable and something needs to be done against this company. They received money to help people and I did not receive anything from them, I made my payments, and for them now to report my account 150 days delinquent is unjust, unfair, and unprofessional. 

I am currently on the phone with XXXX and she tryinmg to tell me that i am not protected this company is just so horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: LendUp Loans LLC
State: TX

Complaint narrative:
In XX/XX/2020, Lendup reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The XXXX control number for the update request that was sent to the XXXX XXXX Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Reliable Credit Association, Inc.

Complaint narrative:
WE bought a XXXX XXXX XXXX from XXXX motors at XXXX XXXX XXXX XXXX on XX/XX/XXXX cost {$8600.00} and interest rate was 24.99 % .Me, my wife and talk to the reps of RELIABE CREDIT COMPANY and he said that we have to pay {$1700.00} as down payment and should pay monthly amount of {$280.00} for 36 months.We gave them {$1000.00} on the same day XXXX and gave them the remaining {$700.00} on XX/XX/XXXX XXXX.We started paying on XX/XX/XXXX XXXX.We paid through out and no late fees and they gave us a receipt after the first one year stating that the remaining balance was $ XXXX that, they did not send any thing till paid the remaining two years to complete the three years ( 36 months ) WITH NO LATE FEES.That is {$1700.00} plus $ XXXX for three years is $ XXXX.Even though that is still more than 25.99 %, they instead change the whole program to a period of 48 months with an addition of {$2600.00} to be paid monthly of {$250.00} per month.The reason because i was not paying more than the amount by month and was not earlier before the time.So the whole total is {$6000.00} interest we have to pay for rotten car which cost $ XXXX.THE CAR IS PARK WITH TRANSMITTION PROBLEMS NOW FOR OVER 8 MONTHS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been with Experian credit reporting since 2017 and the customer service has been very poor. So, I recently did dispute over the phone, and received an email on XXXX to review the results. When I tried to enter the information ( report number and ID information ), it start to load in the web browser, but the web page is blank. So I logged into my Experian account and tried to from the online using the website but received the following error message " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. Please try again later ''. I've spoken to several people over past two days with no one being able to assist. I've been transferred to call centers all around the world ( XXXX, XXXX, XXXX, XXXX ) and they all seem to be working in their own silos. Many of the representatives are rude, and less interested in solving customers problems. The management and leadership of the company seem to be lacking. The management team needs to know that they need be able to provide customer access to their personal data. Would like to escalate this feedback to XXXX XXXX the CEO of the company.

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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
Approximately in XXXX, I went to XXXX store to switch cell phone providers XXXX to XXXX and XXXX representative stated that they will pay the balance of the lease as the commercial stated. XXXX will be responsible for all transfer fees. I transferred my phone number to XXXX but they never uploaded the last bill and serial numbers of the 2 phones to pay the lease balance to XXXX. 

On XX/XX/XXXX, I was informed by Police & XXXX XXXX that a outstanding collection charge of {$820.00} from XXXX is on my credit report. Police & XXXX XXXX can not move forward with my loan until this is removed. I contacted Diversified Adjustments Inc XXXX spoke with supervisor XXXX account # XXXX to dispute the charges. I contacted XXXX and they stated they have no record of my account and told me to call XXXX to request to have removed. Unfortunately, this is another number of Diversified Adjustments Inc. 

I did not receive any gift cards or prepaid cards during the time of transfer. The incorrect bill is created by XXXX not paying for the transfer fees and balance of lease as their ad states. This improper charge tortuously interferes with my loan process. Since both cell phone companies have the information to correct this matter, both cell phone companies need to be prosecuted to the fullest extent and fined to the highest magnitude. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I have a CURRENT VISA card and there were 2 transactions I was charged for that I know nothing about : 1 ) XXXX charge for {$49.00} on XX/XX/XXXX at XXXX, 2 ) XXXX XXXX for {$7.00} on XX/XX/XXXX at XXXX. 

I tried to dispute the first charge and was unable to get customer service support, so I blocked the vendor from being used again. 

After the second charge I was more persistent and finally got customer service to hear about my dispute. In searching through the details, I see there were other attempts made against this account, but I transferred all of the money out. Examples include : 1 ) XXXX at XXXX card was declined by XXXX  due to incorrect expiration date 2 ) XXXX at XXXX card was declined by XXXX  due to incorrect CVV number 3 ) XX/XX/XXXX at XXXX to XXXX card was declinedbyt Whitepages due to balance 4 ) XX/XX/XXXX at XXXX card was declined by XXXX XXXX due to balance . 6 additional attempts made to this vendor. 
5 ) XXXX at XXXX and XXXX at XXXX, 2 additional attempts were made to charge my card for XXXX purchases XXXX 

A formal dispute was filed with Current on XX/XX/XXXX. My card was cancelled and a new card was mailed to me. On XX/XX/XXXX, I received notice that my disputes were denied. 

I don't understand how they came to this dedtermination and why I was never contacted during the process to clarify or explain my case. I thought I dkid a good job at explaining the case, but based on the outcome, it seemds ok for CURRENT VISA cardholders to not have protection you would expect,. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day madam/sir, XXXX XXXX the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - XXXX  application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- XXXX  claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ 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