vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting that I am ( XXXX ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( XXXX ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This person called my ex husband and said that they were trying to locate me to serve papers. He then called my employer and demanded to speak with the director of XXXX and stated to her that the law office was trying to serve me with papers but didnt want to serve them at my job. He gave both of them a reference number. They both sounded panicked when they called me. 
I called the man and told him that he shouldnt have harassed my ex husband or my employer, he said it wasnt harassment, he was trying to verify my place of employment. He stated the law office very quickly that he was calling from, stated that he was trying to prevent my being served and potentially sued, adding that I signed a legal contract and he stated my whole ssn. He finally said that it was a JCpennys account. I said sir, I paid it off several years ago, it isnt even on my credit report and I am disputing your claim, send it in writing to me. He yelled, when did you pay it? Yelling that I must provide a receipt and email it right away and that he doesnt need to mail anything! I told him that by law, he does. He yelled and said that this is a law office, he will have another law agency call me and he hung up the phone. 
My son just called me and he also called panicked. I suppose they are going to call my entire family.

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 2020-09-30 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.

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 2020-09-30 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: IL

Complaint narrative:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This is the forth time I have requested that this information be removed. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!! I have submitted this complaint XXXX on XX/XX/20 and nothing was done & today three months they still have these accounts listed along with two inquiries XXXX XXXX XXXX XX/XX/20 & XXXX XXXX XX/XX/20. Please delete this information for XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. 
I have provided ID information & I am getting responses about ID. I have provided you with sufficient ID & reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I was contacted to by Credence Resource Management to collect a debt of {$610.00} from a XXXX XXXX account ( # XXXX ) in XXXX XXXX, TX. I have always resided in NJ, and do not know anybody in Texas. I contacted XXXX XXXX directly, and they confirmed they have no account under my name. The account number provided as confirmed by XXXX XXXX customer service is not associated to me. I even put them on a conference call to confirm that there is no account under my name. The Representative from Credence Resource Management, " XXXX XXXX, '' which I do not believe is his name because he has a very heavy XXXX accent, insists that I have to fill out paperwork with my information so that they can stop calling me, even after confirming with XXXX XXXX  on conference call that there is no account on my name. Also as confirmed by XXXX XXXX, they do not use this company as a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2020, I received a phone call from Jefferson Capital representative named XXXX regarding an attempt to collect on an alleged debt for an account they have labeled as XXXX. I indicated while in the call that this debt is not mine and that I need validation to provide me with evidence that I am the intended party. XXXX indicated that Jefferson Capital had evidence that I am the intended party such as my signature and would reply to my request. However, a week letter I received a letter from Jefferson Capital for a settlement offer instead of debt validation. This misrepresentation from Jefferson Capital is a direct violation of my rights under the Fair Credit Act, in which I am entitled to the documentation of debt responsibility when requested either verbally or via correspondence. Jefferson Capital has verified that this account XXXX is in fact mine to all three Credit Bureaus and to date have not provided me with the evidence that they have submitted to the credit bureaus when I made the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
As part of opening a HELOC, TCF Bank claims that they sent me a check for {$8400.00}, which I never received. I requested that they stop the check or provide me with a copy of the canceled check, neither of which have they done. They have been charging me interest since XX/XX/XXXX on this amount. When I first notified them of the problem, their representative stated they would only reverse the interest charged after 60 days had elapsed. It is past that date but there is still no correction on their part. In addition, they have not credited a check for {$120.00} dated XX/XX/XXXX towards my account. I am also unable to view my account online because, according to their representative, the account number may have been changed without my knowledge. I have received no response or resolution despite numerous attempts to resolve this with TCF bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CLAIM NUMBER XXXX XXXX XXXX FICTIOIUS INTERNET FICTIOIUS PERSON NAME XXXX XXXX {$110.00} WAS WITHDRAWN FROM MY WELLS FARGO DEBIT CARD CLAIMANT DID NOT DO ANY TRANSACTION DIRECTLY WITH XXXX XXXX XXXX XXXX DOES NOT HAVE XXXX ACCOUNT AND IS NOT A REGISTERED USER CLAIMANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX XXXX XXXX Bank Wells Fargo CLAIM 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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2020-09-30 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: FL

Complaint narrative:
I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX  has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX  regarding the results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
I bought a prepaid {$100.00} Visa gift card ( their # is XXXX ) at a charity silent auction in XX/XX/XXXX. I attempted to use it for the first time in XX/XX/XXXX. I was informed there was nothing on the card as the entire amount had been used to make a purchase at XXXX on XX/XX/XXXX. I contacted XXXX who confirmed the use and stated they knew who used it and it was fraudulent ( the buyer had used other cards fraudulently as well and they were investigating ). They told me to contact the card issuer for a refund. I did in XX/XX/XXXX explaining what happened. They told me to send in a copy of the card and a request to register it in my name and they would issue a refund. I did in XXXX, but today they informed me they would issue no refund because I didn't have a receipt proving I bought the card. Since I bought it at a charity silent auction I have no receipt. The organization has no record of who provided this particular gift card for the auction ( even if they could, that person wouldn't have a receipt 18 months later ). I don't think it's fair that I'm unable to get the {$100.00} put back on my card when XXXX confirms it was fraudulently used. Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 I submitted a request to have my Private Mortgage Insurance removed having just paid the principle down to 78 % XXXX. One of the conditions of cancelling PMI is to provide evidence that there are no secondary liens and evidence that the property value has not declined. I have asked numerous times for XXXX to tell me what the evidence is I need to provide to have my PMI cancelled. Nobody is able to answer my questions and I am unable to get PMI cancelled without this information. They are effectively denying my cancellation request and violating XXXX in the process. 

I am asking for intervention to make them tell me the proper evidence needed to remove PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
This started back in XX/XX/2020 that I begin trying to settle with this company, then the pandemic happen. My car that I recently purchased from XXXX went down before a year had even hit. I called XXXX to notify them of the issue which I felt had been to soon for me to experience. They stated it would be {$18000.00} to repair, XXXX stated it would be nearly {$18000.00} to repair then the certified repair shop Said it would be {$13000.00} as of XXXX. This company received all documents that requested. They called in XXXX or XXXX as the car was still down. I told them I still Wanted to settle and still was using a rental. My offer was {$2800.00}. Come today as of XXXX they indicated they accepted YET they saw the mail was returned that they sent to me with the agreement approval. The young lady stated I would receive an email as I opted to receive I didnt. After literally getting the car on the road On XXXX the car is repo on XXXX after I have just spent {$13000.00} fixing the car. All my savings. Then they dont want to Reinstate the offer of {$2800.00} ad I exhausted all my savings. The document below shows my last rental that finished out over {$1000.00}. The mechanic bill finished out over {$13000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CREDIT AGENCY IS REPORTING CHILD SUPPORT OWED WHEN THE COUNTY/STATE DOES NOT DIRECTLY REPORT TO CREDIT AGENCIES WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

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 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX PURCHASED USED XXXX XXXX XXXX FIRST PAYMENT WAS NOT DUE UNTIL XX/XX/XXXX XX/XX/XXXX MY ACCOUNT WAS FLAGED AS 30 DAYS PAST DUE AND NOW ON MY CREDIT REPORT IVE SUMMITED PAYMENTS AND SPOKE TO CUSTOMER SERVICE BUT ISSUE WAS NEVER RESOLVED. 

THEY THREATENED TO " REPOSSESSE AUTO AND DEMANDED PAYMENT OR ACTIONS WILL BE TAKEN '' NOT GIVING ANY CHANCE TO SAY I HAD JUST HAD MAJOR XXXX. 
( PAYMENT WAS PAID ) I PAID EACH MONTH AND HAVE RECEIPTS AND PAYMENTS WERE NEVER APPLIED TO ACCOUNT. 

EACH MONTH THEY BILL ACCOUNT FEES FOR UNKNOWN REASONS AND MY ACCOUNT BALANCE IS MORE FROM 2 YEARS AGO. 

{$6900.00} XXXX / {$8600.00} XXXX XXXX REPORTING FOR INSURANCE THAT RESOLVED IN SUSPENSION OF REGISTRATION

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have tried to solve this matter with Transworld Systems but they dod not give me a fair solution. This issue has affected me in a huge way. The item i the following : TRANSWORLD SYSTEMS, opened date : XX/XX/2017, highest balance : {$120.00}, original creditor : XXXX XXXX XXXX XXXX 

This company has bee acting against my consumer rights with the following actions : - - They didnt send notice to right address. 
- Wrong first delinquency date. 
- Negligence - Re-aging the account. 

This has caused me many damages. I am demanding the removal of this account as a compensation. 

Thank you.

Company response to consumer: Closed with explanation