vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I had a Mortgage loan with Sun West, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to Sunwest on XX/XX/2019, but the problem is Sun west is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still SunWest do not fix the issue, Also I have contacted the Credit agencies especially XXXX  to try to address and get it fixed, but XXXX  is not taking any action to correct my credit report, even I have provided withe the proof that XXXX loan was paid off on time to Sunwest, also SunWest had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: OH

Complaint narrative:
I had received a couple of calls from Jefferson Capital at the end of XX/XX/2020, but nothing out of the ordinary. However, today, Wednesday, XX/XX/2020, they called me four times within an hour. The first two were at XXXX and XXXX and the last two were at XXXX and XXXX. I answered the last call and informed them I would be filing harassment charges against them for the repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
They are reporting some title loans that I have never Tooken out and they are rejecting all of my credit applications due to this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at XXXX but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.

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 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank lowered the credit line on my Mastercard from {$4000.00} to {$3300.00} for no known reason. I have paid every payment on time, all my debt is current, and I am not in default on any credit account This action is the as the result of one or more of the following events : I am XXXX  I am a male I am a XXXX I am married to a woman I am over XXXX years old There is a Shelter in Place in the County where I live.

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 2020-03-18 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: NY

Complaint narrative:
On XX/XX/XXXX Transunion started charging me a monthly hidden fee that I was competely unaware of until this month. I am XXXX and did not sign up for a monthly service from them. I was completely unaware that they were charging me {$21.00} every month and charged me the last payment of {$27.00} on XX/XX/XXXX. 

I have called them and they have refunded me 3 months of payments totaling {$70.00}, however, I would like to receive the rest of my hidden charges back due to the fact that I did not utilize or sign up for this service to begin with. I have done ample research into this issue, and apparently the company has been fined over {$300000.00} already for misleading consumers and taking money out of clients ' accounts who did not even request Transunion 's services. 

This is the same thing that has happened to me. Since I am XXXX, I did not realize this was happening until recently and am prepared to take all actions necessary to get my money back. It is unfortunate and sad that this company would take advantage of a XXXX young woman like myself.

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 monetary relief
Consumer complaint received 2020-03-18 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: ERC
State: FL

Complaint narrative:
Okay Enhanced Recovery Company has been a thorn to me for the last few years. They have neglected to validate the debt. Not to mention the inaccurate they reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
I was trying to get a loan to help for school this fall ( for my daughter ). Well I was told about some bankruptcy information I do not recognize at this time. The CRA stated Lexisnexis provided this information, so we sent a letter to lexisnexis disputing this information. We never heard back from them and while lexisnexis is a huge database of personal information this is not acceptable. I read on the ftc website they have to respond in 30 days and that did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
For the past few weeks I have received multiple calls from Portfolio Recovery Associates, LLC. The calls are coming from many different numbers and I have politely asked them to not contact me. Today I received a letter from them and the Merchant listed is XXXX XXXX or XXXX XXXX XXXX XXXX. I have never had an account with either of these merchants. This collection agency is also calling relatives and others discussing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a Mortgage loan with XXXX  XXXX, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to XXXX on XX/XX/2019, but the problem is XXXX   XXXX is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still XXXX do not fix the issue, Also I have contacted the Credit agencies especially Experian to try to address and get it fixed, but experian is not taking any action to correct my credit report, even I have provided withe the proof that may loan was paid off on time to XXXX, also XXXX had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies

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 2020-03-18 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: TN

Complaint narrative:
This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}

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 2020-03-18 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: TN

Complaint narrative:
This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}

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 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This collection agency has been harassing me for a couple of years to the point of psychological abuse. A couple of years ago the started calling about a XXXX XXXX XXXX XXXX account, which my wife opened up in my name. At the time I was unemployed and not even a XXXX  XXXX, but because she was filling for me she decided to take advantage of the situation and did whatever she felt she could get away with. However to cut along story short a couple of collection agencies contacted me about the debt over the years, which I believed was accrued around XX/XX/XXXX/XX/XX/XXXX, I can't recall. I always addressed the situation and they all let me. Around XX/XX/XXXX, I had prolonged interaction/communication with the aforementioned collection agency, for which I have evidence in which this same matter was addressed. I believe I initiated an identity theft action but when they asked if I wished to get the police involved, i decided against it, but the matter was left I guess unresolved, however, this account was further disputed on my credit report around XX/XX/XXXX, it was actually removed from my credit report. However today I got a new credit alert a new file was added to my credit report claiming unpaid debt, and my credit score tanked. When I contacted Afni Inc earlier today they asserted that this account has just come into their hands in XXXX and that they have have never had any past interaction/correspondence with regard to this report hence i have to file an identity theft report, in short start the whole process all over again. I have filed a dispute on this account with XXXX, and Afni asserted that they would temporarily remove the derogatory remark on my credit report, while the matter was under investigation, again. Let me be explicit the Supervisor/Representative who I communicated with at Afni Inc and who initiated the identity theft report was adamant that this account only came to Afni Inc in XX/XX/XXXX and they have absolutely no record any correspondence with me in the matter. That is absolutely false and misleading. My impression is that they are either being vindictive and/or trying to get the account reset so as to pursue the debt ( {$140.00} ). I have NEVER attempted to hide from this situation and have addressed the matter at length over the years and I know the statue of limitations on this debt has expired after. This company NEVER made any attempt to contact me via phone or mail in their latest effort and it definitely false that they just got this account in XX/XX/XXXX as I have extensive proof that Afni Inc and I were in extensive contact in mid XXXX regarding this debt. i wish they they leave me alone I DO NOT OWE THEM OR XXXX XXXX XXXX XXXX ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems reported a collection account on my credit that I do not owe. I was never contacted nor informed that they had this debt neither was I informed that they were putting anything on my credit. I requested validation of the debt via certified mail. However they have not sent me anything and it's been over 4 months. I have insurance and I don't owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS
State: VA

Complaint narrative:
About a year ago, my Credit Score was about 720. Pretty good. I had a VA Loan and several credit cards. I've been doing well on those payments. I THEN refinanced my loan in XXXX to save myself around $ XXXX/month on mortgage payments. I expected the hard look at my credit to drop it a few points ( although I TOTALLY disagree with a credit check dropping the score ANY ). It dropped more than 50 points. THEN when the re-fi went thru, it dropped an ADDITIONAL 40 points because my credit report LOOKED like I had defaulted on my home loan -- still haven't missed a payment, on credit cards or mortgage, mind you. It's been hovering around XXXX for months. RIDICULOUS! OK. Last month, my mortgage got bundled and sold to another lender. AND IT HAPPENED AGAIN! My credit is NOW XXXX and I am being DENIED JOB INTERVIEWS because of my credit score! THIS SHOULD BE CRIMINAL! I HAVE NOT MISSED A ) @ $ % @ PAYMENT! 

I have since gotten offers to re-fi that would save my family an additional $ XXXX/month. I am DEATHLY afraid to even consider them. 
Why would they do this? I DO NOT UNDERSTAND!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My complaint is in regards to my Citi Double Cash card, the charge in question was for XXXX, paid to XXXX XXXX XXXX, on XX/XX/2019. I purchased a pony for my daughter to take riding lessons on, and for XXXX from this merchant. THey promised me a healthy, child safe pony, fit to be a lessons horse, they demanded payment in full before delivering the pony, and I trusted them, so I paid them. They brought a dying, sick, underweight pony that had XXXX!! They refused to refund me the money they had taken from me, and, they refuse to come back and pick up the sick pony. I disputed the charge with Citi baki, I provided all the text messages from the merchant and my XXXX in vets bills showing that they lied and scammed me using deceptive business practices and misrepresenting the pony that they sold me. Citi bank took the merchants word over mine, even though I had proof, and decided to let the merchant keep the XXXX!! This is fraud and theft, and, Citibank did not properly handle this dispute and failed to protect me as their consumer client. I have already spent XXXX vet bills just to make this poor horse comfortable while she dies. I did not receive the child safe, healthy, rideable pony I paid for.

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 2020-03-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-18 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: TX

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXXXXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation