vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: CA

Complaint narrative:
This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: FL

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 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 2021-04-30 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: FL

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 2021-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX 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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC
State: PA

Complaint narrative:
This company called me XX/XX/XXXX and sent me a voicemail threatening to sue me if I do not contact them within a week about a debt that is owed to them. I believe they are inpersonating as a mediation company to try to retrieve info about me and threatening me because they want me to pay the debt in question quicker. They refuse to give me any information.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am writing this complaint in regards to Monterey Financial. First they call my cell phone multiple times and have never confirm I allow them to do so under the TCPA act this is illegal. Second they set me up on a payment plan which clearly states the date the payment is due and does not give a specific time. Today XX/XX/2021 they call me regarding my payment and they said it did not go through. I advise them it will be made by the end of the business day. The representative XXXX XXXX told me it had to be paid by XXXX XXXX  or they were going to reverse my payment plan and threatened to collect the balance in full. The agreement has not time on it as to when the payment has to be made and I offered to make the payment by the end of the day and she became difficult telling it would cause my assistance to be reversed. I do not appreciate and have been having issues with there staff since day one. I have asked to speak with a supervisor and one is never available. I have spoken with team leads and they do not resolve the issue, but make excuses why there staff did what they did. I work in this field as well and know my rights and feel they have treated me with the most un customer service like respect I have seen from a company in a long time. This company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Ally Financial is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response regarding my request and they did not update the credit report as disputed. They sent me an automated letter instead. 

Ally Financial is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/21, my husband deposited {$820.00} cash into the ATM, the screen then went blank, the machine then gave back his ATM card, there is no record of the deposit. He went into the branch and they said there was nothing they could do and he had to call an 800 number ( ATM Claims : XXXX ). He called the number and filed a claim right then on XX/XX/21. I have been calling EVERY DAY because that is a weeks pay!! They said they filed a request to expedite the claim and it was approved and we should see a temporary credit to our account in 10 BUSINESS DAYS!!! Well it has been a week and still nothing. I can't pay the mortgage!! 

A bank this huge can't give us our money back knowing that if the claim is not in our favor ( which would be impossible ), then take the money back? We live check to check and have one son in college and one in high school. 

The ATM should have been reconciled that night, been over by {$820.00}, there's our deposit. SIMPLE. 

HOW IS IT LEGAL FOR THIS TO HAPPEN?? 

If we were a business, maybe? But a family that has bills to pay?? 

The transaction is on video AND was witnessed by the security guard! 

HELP PLEASE!!

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I canceled my service with XXXX and switched to XXXX. I have the chat printout of my cancelation. 
However, XXXX kept on billing me cancellation. 
I paid all my bills as long as I XXXX XXXX XXXX many years ) on a timely basis, but I am not ready to pay for a period of non-service. 
I contacted XXXX, asking why I am being billed after canceling. XXXX stopped billing, but transferred the account to XXXX XXXX XXXX XXXX XXXX XXXX 
I contacted XXXX XXXX XXXX, XXXX with the same and they stopped billing. But they transferred the account to SOURCE RECEIVABLES MNG ( XXXX ). 
I contacted XXXX and provided them with copies of my chat to cancel, but instead of addressing the issue, they keep flagging my account on XXXX  and other credit reports. This causes me tremendous damage as I try to obtain financing in these trying times. All I ask is either XXXX  should get back to me explaining why they believe that I owe anything after I canceled my service, or they should stop harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper, Nationstar took two payments of {$1600.00}. from my bank account on XX/XX/21. 
I do not have auto pay set up but I do pay online so they have my bank account number. Mr. Cooper sent out an email saying they were aware of a problem. These two payments were not authorized and since I do not have auto pay I can not understand how they had the authority to withdraw money from my bank account. Mr. Cooper says they will reverse the withdrawals. They made a huge mistake when they took over {$3000.00}. from my bank account. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am unable to close my checking or savings account because they refuse to close it.

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 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

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 2021-04-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: NV

Complaint narrative:
I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

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 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
well i went in to review my scores and my score at first was XXXX now i go back in to my report and all these points have come down to XXXX! i had 5 total creditors that i deal with 4 approved me and 1 did not! 3 points per inquirery is nor a standard to take all my good credit scores away like in encrements of 8 and 7 with no reasons exsperian is this complaint i will view my other 2 creditor reports but this is not correct i want my points back my record had nothing on it prior to this!

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 2021-04-30 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: SC

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX bank {$1400.00} XXXX XXXX XXXX XXXX bank {$370.00} XXXXXXXX bank {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX bank use {$2000.00} error every payment was on time currently reporting two late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

Macy 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called Macy 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a apartment B address, The thing is that I have never lived on a apartment B address, Also they had a copy of an ID that started with a C but my ID starts with an A. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does XXXX XXXX XXXX XXXX the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
I was subject to a background investigation for employment. After providing my current and past employment history, my employment background report states for my present employment, " Subject has indicated they have no history to provide, '' which resulted in a score of " Decisional. '' This information in patently untrue. I provided contact information for my present employer, information that included the address of the employer as well as the name and contact information for my current supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX I just got off the phone with Equifax. I spoke with May, and she told me that they received my identity theft report. Meanwhile they had removed one inquiry, but the other still remains on my credit report. It is to my knowledge that pursuant to the FCRA 15 USC 1681c-2, the consumer report agencies have 4 business days to block ALL of the fraudulent information that I, the consumer, says is fraudulent. They told me that their company policy is 30 days. Last I checked the consumer reporting agencies MUST abide by FEDERAL law, and their policies must reflect the laws that were set forth to regulate them. I am asking Equifax to remove this fraudulent inquiry below. I am also asking the Consumer Financial Protection Bureau to keep record of this violation, and to also note that Equifax asked me to send them a selfie in order to verify who I am. Their representatives also lie and tell you that their systems are updated when you tell them what they are calling for. How do I know? Because when I called back and asked the next representative if there was a system update throughout the company they told me no, and this happened on more than one occasion. This is unacceptable especially for a company that ASSUMED the role of not only holding my alleged personal information, but also furnishing information on my consumer report that can cause a substantial amount of harm to me as a consumer if reported inaccurately which in this case it is. So I am asking both Equifax and the CFPB to protect my rights as a consumer, under the FCRA. Please see attached the identity theft report along with my license for identification, along with the letter that was originally sent. 

XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation