vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY 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 non-monetary relief
Consumer complaint received 2021-08-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
This complaint best seen as a follow-up to complaint with code XXXX. 

A brief overview of the events is as follows : i. A set of transactions I did not recognise were posted to the account in late XX/XX/XXXX. 

ii. My multiple attempts to contact Discover to address the matter were summarily ignored. I will add also that this was deliberate, as stated by Discover in their final response to complaint XXXX. 

iii. In that same letter, dated XX/XX/XXXX, Discover claimed a fraud investigation was ongoing. 

iv. I have not had any formal communication from Discover since this letter. 

Thus, as of today 92 days have passed since the formal acknowledgement of a fraud investigation, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I know have to full balances on my credit for the students loans being way higher than the original balance. I was skeptical about my account history with Navient because they show I never made a payment and they report my account all the way back to 2008 and have no records, insight, or supporting evidence to provide me. Ive had my taxes and paycheck garnished due to my student loans. I contacted the US department of Education for my information about my account history and they informed me that the document they have says my account is closed and paid for. No documents supporting Navient claim against me. They advised me to call the original collection agency XXXX for information, and was informed that my account was paid off for and they do not know why Navient is charging me. All 3 agencies have lil to no records of my account which is confusing to me because no one can provide exact information to me as if I never applied for a school loan. The us department of education sent me a document of all my payments and deductions show a XXXX balance. I plan to provide this document because it totals out the original loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: MS

Complaint narrative:
on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about a alleged debt of XXXX that i dont owe that MIRAMED REVENUE GROUP , LLC are reporting on my credit report.it is inaccurate and needs to be deleted. i sent the letter usps ceritifed mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Tue, XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Credit report shows I disputed XXXXLVN Funding account. Never disputed this account, would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: VA

Complaint narrative:
On XX/XX/2021 we received a Collections Notice from XXXX XXXX XXXX XXXX XXXX  XXXX We are completely unfamiliar with the company and have never engaged in any business transactions with them. We have tried to contact the person listed in the letter since Monday without success. Today we sent the Collections Company an email notifying them of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC.
State: MS

Complaint narrative:
I recieved a phone call about the debt. I had already worked out a payment arrangement with XXXX. When I had talked to the man XXXX he had informed me that legal action would be taken immeditely if i did not pay the debt. He was willing to work out a payment agreement. I did that. Agreeed that I would pay XXXX  weekly to mine and XXXX  weekly to my husbands. I have since been in contact with CIC again and they denied that was them. I did however pay XXXX $ to mine and XXXX $ to my husband. It would not be that big of a deal had i of not already paid the XXXX $ each.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TSI has been handling a debt that is with XXXX XXXX XXXX XXXX College. The debt was first listed on my credit report XX/XX/XXXX. The listing caught me off guard as I never received any prior notification and was unware that I even owed the debt. I have spoken with TSI XX/XX/XXXX and they gave me an invalid address of where they sent the letter too. I asked if they could remove it from my credit report to allow me the opportunity to find out what is going on because it was my first time hearing about it when it was on my credit report and it has been difficult to get In Touch with someone at the school because of the Pandemic. They said they could not and I needed to pay it. I had financial aid that cover 100 % of my tuition and expenses so I didn't understand why I owed it. I was finally able to connect with the college shortly after and they explained to me what happened, I also advised them that they have the wrong address and I never received any communication, not even a phone call and, would make arrangements to pay it but I needed it removed from my credit report because I didn't know I owed the debt. They said they could not remove it. I paid the debt off XX/XX/XXXX and it is still showing on my credit report. I have disputed it with no resolution and also reached out to the college as well as TSI and keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm inc. 
Account number XXXX Unsecure loans Date opened XX/XX/2021 Status updated on XX/XX/2021 XXXX original amount Balance of {$1200.00} 6 month ter Balance updated on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX. The ID Theft report number XXXX and attached is a copy of the ID Theft Report with this complaint. Please review.

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 2021-08-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Husband XXXX XXXX XXXX and I started two 5-year CDs in XXXX, at Capital One Bank. They were supposed to be jointly owned and the accounts originally labelled the CDs as such. Now after the Estate department from Capital One had the details of my husband 's death, the CDs don't say joint anymore- the new records show each of us as individually owning one of the CDs. 
My husband passed away on XX/XX/XXXX, and his will and the Trust document clearly state that all his assets will pass unfettered to me and I am to be the trustee after he passes away. 
I passed these documents to Capital One 's estate department after his death and asked them to do one of the following : Add my name to my husband 's CD account ( this is my preferred choice in line with my husband 's Trust Document ) or Keep the CD in my husband 's Trust account with the EIN number I have got for his Trust and add me as Trustee as per my husband 's Trust document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
This company has sent me numerous collection notices for a XXXX dollar bill supposedly owed to XXXX  for unreturned equipment. However, equipment WAS returned over a year ago. This is a common rouse of XXXX  trying to squeeze money of of former customers. I have also filed a complaint with 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 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX debt collectors is using abusive and manipulation tactics along with bullying and profane language. It is obvious they are using a foreign call center that way they don't fall under US law. This is absolutely pathetic and wrong. My first phone called occurred on XX/XX/21. I agreed to a payment plan for my balance of {$410.00}, but I told them I will begin payments when I budget for the next month of XXXX. Starting yesterday XX/XX/21, I receive multiple calls a day from an XXXX person who is berating me and attacking me for not paying my bill. These people will now NEVER receive my money due to their disgusting behavior. I will gladly provide any additional details needed. Actions need to be taken because I know for a fact, I am not the only person this is being done too. They are now calling me from bogus numbers all over the US. I work in sales and CAN NOT have my phone ringing ALL DAY. It gets in the way of customers and my source of income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: VT

Complaint narrative:
There weren't any choices in the CFPB complaint process for what I want to find out more about. I check my credit scores and it seems that Experian always reports a much lower score than the other credit bureaus. I want to know if this is intentional so people will sign up for the extended credit tracking service, Experian XXXX. I won't do that but supposedly if someone uses this Boost service they can have their credit score raised several points. It would be good to check into this. 

Thanks for your consideration.

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 2021-08-20 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: FL

Complaint narrative:
ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX. 
{$690.00} Balance updated XX/XX/2021 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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
My business account stopped receiving monthly statements in XX/XX/2019. Huntington did this with out my consent, I tried to get on line to get some of our statements but am not an authorized user according to Huntington. I am the sole owner of XXXX XXXX XXXX XXXX XXXX, XXXX and managing member. So if they won't grant me access to the online account or provide me my bank statements who can access? 
I tried for 2 hours to get someone on the phone to help but it was above there pay grade and they could not help me. I can close the account and bank elsewhere but I need statements to balance the account and have the correct numbers for income taxes purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Someone ( not me ) printed checks with my Santander bank account number and a fake address, and deposited them, overdrawing my account. The address given on the checks is a state I have never visited. I reported the fraud to Santander, but continue to get phone calls from them that my account is overdrawn. 
I told them about this 13 days ago and still receive twice-weekly phone calls.

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 2021-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is showing up on my Experian credit report after I explained the errors and problems that this account is causing me. I just moved to a new apartment and took a transfer at my job to accommodate my move and because I work in the XXXX XXXX, I had to explain several times why there is a settlement listed on my credit report. 

I wrote all 3 bureaus explaining the error that XXXX is making on my credit report. XXXX is saying that this account was SETTLED when in reality this account was NEVER supposed to be in collections because I cancelled service within the 14 day trial they gave. I returned equipment and was not bound by any contract. After I cancelled XXXX they said I had to pay for service, I explained that I did NOT have to pay according to the terms of their agreement during the trial. XXXX explained the confusion and they wiped the balance to XXXX and still reported this account on my credit with a XXXX balance. I Never paid XXXX anything on my credit report. It shows PAID IN SETTLEMENT How could I have settled a balance and the original balance is listed as XXXX.. They are misleading people by saying that I settled a balance which is not true. I never had a balance with them. This misleading statement is inaccurate and violates my FCRA rights. Additionally I have already addressed this issue where XXXX  and XXXX  deleted the account. Experian is the only bureau reporting this account saying it was VERIFIED as accurate when clearly this account is illegally reporting. I have a copy of all the disputes that I have sent out and I can furnish them to the CFPB or any attorney that wants to review this case. I need the CFPB to look into the investigation procedures of Experian and XXXX in this case. This is the ONLY Charge Off or collections on my credit report. This type of error is hurting my near perfect credit. My FICO score is suffering and as I have to write and explain this account, I am missing opportunities because this company is reporting an error on my credit report. 

I would like to request 2 things on record. 

# 1 the full payment history on this account.

# 2 is this account to be DELETED from the 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 2021-08-20 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: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - my mortgage with Flagstar bank was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted Flagstar that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with Flagstar or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an XXXX alert of a major derogatory account comment reported by Flagstar on my credit file that negatively impacted my credit score by 116 points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with Flagstar during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called Flagstar and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Remove these accounts immediately. See attached documentation. This company is in violation and continues to report these accounts. I am in litigation and demand accounts to be removed immediately.

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