vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: VA

Complaint narrative:
I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Trying to get a hold of fifth third bank, regarding about the early access plan I had years ago with them I owe XXXX I have been trying to reach out to get this payment settled & removed from my credit. I keep getting the run around I have called 2 collection companies and fifth third itself. Proof is that XXXX XXXX has my number and the times Ive called in there system as of XXXX XXXX I sent letter regarding a pay for delete and was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC
State: GA

Complaint narrative:
I received a notification about a file placed on my credit without written notification from ARC MANAGEMENT GROUP. I am not aware who are what this debt is. ARC MANAGEMENT GROUP HAVE 7 days to furnish such contract between myself and them and they must stop all reporting on my credit file. I will file a lawsuit against such 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 2021-10-17 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: VA

Complaint narrative:
As stated in 15 usc 1681 ( a ) ( 1 ) " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. I have numerous inaccurate information on my credit file, resulting in me not being able to exercise my consumer rights. which is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX XXXX AND TRANSUNION with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least 70 points on each report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am a consumer and a natural person, i am not a third party and i am speaking for myself. After requesting debt validation XX/XX/2021 my request went unresponsive. Sent in a second notice XX/XX/XXXX, An Affidavit Of Truth and Facts stating that i am aware banks are borrowers ; issuing bonds and debentures 12 USC 143. My question remains what lawful money was placed in an account for me to have borrowed money? Avant used my negotiable instrument as an asset on its books and pledged it as collateral, which is sold on the security exchange. That is the reason the debt can not be validated because there is no debt owed. XXXX indicates clear and conspicuous disclosures need to be giving with reasonable understanding, which Avant failed to do. No Substance of Form giving, 12 CFR 1026 Regulation Z has been violated. According to 31 CFR 357.13 Federal Reserve Bank credits the amounts on redeemable book keeping securities to a funds account maintained at the institution. No loan was giving but payments were made on my behalf which are do to return back to me 15 USC 1692h Multiple Debts. Avant failed to respond to all communication attempted and an UNREBUTTED Affidavit stands as truth. XXXX out this account immediately as this is the final notice to my paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX EXQUIFAX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: GA

Complaint narrative:
For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with EXPERIAN XXXX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each 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 non-monetary relief
Consumer complaint received 2021-10-17 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: GreenSky, LLC
State: GA

Complaint narrative:
Greensky credit keeps sending out mailers and emails saying we are late every month. I know otherwise we have numbered envelopes for the money orders. It has payment amounts and dates of payment owed. We are paid up until XX/XX/2021 we have not been late. They are committing fraud and cashing those money orders. They are saying were late. My cell phone is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have created an account with Experian, with which they were successfully able to identify me. However, when trying to create my government-mandated free credit freeze they required me to enter all of my information to apply manually, then " were unable to honor your request to place a security freeze ''. Instead, I'm required to mail documents to them in Texas to prove my identity at my expense, which is deliberately arduous and delays me getting credit protection and exposes me to unnecessary fraud risk. These unscrupulous practices are undoubtedly intended to make me pay for their services. And with both of their competing credit ratings agencies it was easy to apply my freeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I sent cashier 's check XX/XX/21 to pay off mortgage. I included my pay off quote from the company also. It was cashed XX/XX/21, misapplied as a payment and not as a payoff. I wrote the company advising them of the misapplied payment and telling them the CFPB says they have 20 days to properly apply the payment and return any escrow. They acknowledged my letter online XXXX in the matter of a form letter saying they have 30 days to make it right. Online the account is still showing with an outstanding principle, no letter in writing has been received and no escrow returned. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been a client of BB & T/Truist for many years. The recent Truist merger has truly made client service unbearable. I am in process of switching banks and want to redeem the rewards accrued on both my credit card and my wife 's. I simply want to transfer the rewards cash accrued to our checking account. The challenge is BB & T/Truist will only transfer in {$25.00} increments ; therefore, if I close the credit card accounts today, I would end-up leaving about {$6.00} on one card and {$17.00} on the other, in accrued benefits that could never be redeemed. It's not a huge deal, but if you combined all the clients having to leave rewards unredeemed - it's a lot of money! The response given by the client representative was that their system could only transfer in {$25.00} increments- but I bet if their system shorted the Bank {$23.00} it would be fixed rather quickly... I have escalated this with the Bank, but feel it will be ignored. I am also considering talking with an attorney about a class action suit. Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: LoanCare, LLC
State: MN

Complaint narrative:
I would like to open a credit dispute with loan Care, LLC who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit 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 explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A caller calls me as much as 15 times per day, and demands I give my credit card information as soon as I answer the phone. When I ask what it is in regards to, they refuse to tell me unless I agree to give my SSN, DOB, and other personal identifying information. I tell them I refuse to give them the information unless the first tell me what this is about, when they then proceed to call me XXXX, one of the women who called told me she would tell XXXX to take my child away from me, which she should not know I have a child, this is not pertinent information for a debt collector, and several other nasty things to me that I did not hear because I was actively hanging up and blocking the phone number. They will call 5 times per hour, all from numbers that are one digit off from ones I have previously blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was a Barclays credit card holder account number XXXX XXXX XXXX XXXX. On XX/XX/2021 there was a fraudulent unauthorized charge on my account from XXXX. I contacted Barclays by phone and told them I did not authorize or recognize this charge and requested to formally dispute and remove the charge. They did not remove it and carried it over to the next billing cycle with interest. I again notified them by phone and also in writing of this Fraud. I called again on or about XX/XX/2021 and Specifically told Barclays To cancel my card and NOT open a new account. However without my authorization Barclays opened a charge in my name ending in XXXX. Two charges were incurred on this unauthorized charge account totaling {$41.00}. Barclays is now billing me for this including interest. This account was opened without my permission or knowledge. I called again on XX/XX/2021 and spoke to XXXX at Barclays and was told I would not be liable for these charges. I paid off my balance on my previous account ending in XXXX. However I have received bills for account ending in XXXX. I again called Barclays but it was not resolved. 
Account ending in XXXX was opened fraudulently without my knowledge or permission and I should not be liable for any charges incurred.

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 2021-10-17 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: MN

Complaint narrative:
I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit 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 explanation
Consumer complaint received 2021-10-17 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: MN

Complaint narrative:
I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been disputing my account balance for years now because the balance isnt matching up with amounts paid, the balance is incorrect, i requested debt validation and they sent me what they had but then stated that they could only send me what info they had while they serviced the account, which means they are missing 6 years of payments, fromXXXX through XX/XX/2012, which means this debt can not be validated and they have willfully non complied for at least 8 years of them servicing the loan. They also refused to stop billing or reporting this account while i am disputing the account balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I was supposed to receive COVID-19 assistance from Fortiva, now I complained back in XXXX of 2021 regarding not receiving statements to be able to make statements. The only time I receive statements is when the account is past due and they have charged late fees to the account. I have contacted them regarding this same issue 4-5 times previous and it is the same thing. They will change the due date so called credit late fees ( which I don't see ) then I won't receive a statement again for 1-2 months. To me this fals under statutory lending, and false billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
I live in XXXX Alaska. The apartment that I lived in before charged for some damages to the apartment that I DID NOT cause. I only lived there for 2 months. I was never told that I had outstanding charges and I had no idea about them. I was not contacted and this was automatically moved to collections- which is hurting my credit. 

I contacted the debt collection agency - TWICE. I was told to wait on hold and phone shut off, and other time I left a voice message demanding to let me know exactly how this charge was done and prove to me that it was me. But they never got back to me. 

I need to see an itemized list of the 'damages ' that I caused and prove to me that I am responsible. And how can they just move this to collections and damage my credit when I wasn't notified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Fraud business notary agent scam stolen documents forged false documents and signatures with out my approval or knowledge

Company response to consumer: Closed with explanation