vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I signed up for a Target Credit Card and they sent it to the wrong address. Instead of the one on my application it was sent to an incorrect one on my credit report. 
I never got it or the bill. I finally called them and told them about the error. 
They corrected the address and sent me the card to my current address. 
They took my bank card number and paid my bill stating they would remove the interest fees and late charges. I did receive the card but they decided to leave the late charges. My local USPS office is very strict with rules and they started turning their mail back as un-deliverable after receiving the card. When I went to the Target website to activate the card they said they were attempting to collect a debt, I tossed it. 
They now call me 3 times a day from XXXX to try and collect the late fees that I am not supposed to owe them. I am even getting a new phone to stop this but I felt I should report it to someone. They are also damaging my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
XXXX XXXX was an account that I included in my Chapter XXXX bankruptcy in 2016. Since that time, on several occasions, they have been illegally reporting that I owe a balance on my XXXX credit report. This is not only a violation of the automatic stay, but has hurt my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I purchased a sofa in Massachusetts with the situation of paying the total off by cash by the end of 1 year, and thereby all the interest, etc excused. 
I paid my monthly fees, but then stopped received notices about the payments and lost track of the situation. 

About 1.5 - 2 years after the original purchase, I began receiving emails that looked like scam to me from TD retail card services. As I was worried about scam, I didn't open or respond to these. I have attached these. After multiple monthly notices, I called the # listed on the emails. I ended up speaking with multiple parties until they directed me to a furniture manufacturer somewhere in the XXXX. I didn't know what to make of that, but eventually after a few weeks, realized that it might be the original manufacturer of the sofa. I then recontacted TD retail and told them I would be happy to pay off what I originally owed, but that due to the above circumstances, the fees and interest should be removed. They refused. After continuing to receive these notices I made 2 further calls with the same offer - to pay off my original debt, but to excuse fees and services, and each time received a refusal. Recently, as I was purchasing an apartment in XXXX, I was informed by the mortgage company of my credit score, and they were unable to issue me a mortgage, but said they would if my score improved. I have never had issues with bad credit, am a XXXX, and pay all my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
Was told no interest leasing. No interest charged. That is what autotrakk llc advertises. Its fraud. I leased a XXXX dollar car contract says XXXX total charges being charged XXXX for buy out fee of XXXX and " rent rate '' charges to rent a leased vehicle. Thats XXXX additional dollars in charges that appear to be interest but they are hiding it under " rent fees '' none of this was explained to me by XXXX XXXX XXXX in XXXX XXXX where I purchased the vehicle. Also had the police called on me for demanding my car to be fixed ... engine blew 1 month after I purchased the car that came with warranty. Owner is XXXX and so is the manager of the finance department. Due to my lack of education and  inexperience of financial calculations and verbiage i was mislead and taking advantage of by XXXX XXXX XXXX in XXXX XXXX and autotrakk llc. Was also charged XXXX dollar fee to lease the car still not sure where that fee went to. Autotrakk and XXXX XXXX XXXX engages in unfair, deceptive, abusive acts towards consumers. I am stuck in a vehicle that is valued at XXXX kbb but im paying XXXX in overall costs. The car is a lemon that breaks down every other week. And the rent charges and buy out options were not explained to me and I did not understand what I was signing. I have attained an attorney as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
The company started calling me in XXXX stating they received the account from another collection company. I stated to them I do not have an account with anyone because all my accounts were either paid off by myself, the employer or disputed. I checked my account and I do not have nothing on my account with XXXX, XXXX  and XXXX  at this current time. I do not know where this account is coming from. I ask them to send me a copy of the bill. I have contacted the insurance company and the hospital and they have nothing registered with my name and date during that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt on my credit file, I immediately called and paid the debt off. I never received any phone calls, collection letters, or notices. and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I have loan number XXXX with New Rez Mortgage company. I have been paying my mortgage on time for several years. I signed up for auto payment to have them take out the scheduled minimum payment out of my account a few days before the due date. 

I reviewed my monthly statements and now see that they are taking payments out now earlier and earlier and back to back. I see one payment taken out three weeks early on XX/XX/2020 that is not due until XX/XX/2020 then the following day they took out a second payment almost two months before it is due. The just took a payment from my bank on XX/XX/2020 to pay the XX/XX/2020 statement ( which hasn't even been created or sent to me yet XXXX! 

These payments are not what I signed up for and should only be taken once a month the week they are due! 

I tried to contact New Rez via their webiste but the submit button does not work ( you fill out a form and then screen just dies ). I  tried calling but can't get live person. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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:
I am writing requesting that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies. 
Instead of sending a separate letter for each, I am just listing the accounts below. Some of these, I saw are going on my credit report. I hereby request that you stop putting them on my reports. If you insist on doing so, please tell whoever uses my credit that I do not agree with the charges. 
For some of these, I have called to say that I couldnt owe as much as it says, but I dont know how to reach each one by phone. Some I have never gotten any letters for, so I dont even know how valid they are. 
I know that it is illegal to put things on a credit report that shouldnt be there. So please, I request that you tell my credit reports that I do not agree. 
Please remove all items from my credit report which are not belong to me.

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 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 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: VA

Complaint narrative:
I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is total disable all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.

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 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I made the following payments on XX/XX/2020 to this PRA Group, a debt collector and it is referenced on my redacted bank statement which is attached : PRA Group for {$290.00} ; PRA Group for {$390.00} ; These accounts have been paid and to date XXXX and PRA Group are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to XXXX received on XX/XX/2020 and a letter to PRA Group received on XX/XX/2020 they still have not reflected the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX is taking time to submit a complaint against Capital One Auto Finance as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. Capital One Auto Finance has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by COAF and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. Capital One Auto Finance is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with Capital One Auto Finance, it will find that racism is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like Capital One Auto Finance, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by Capital One Auto Finance, the entire account should be deleted off of my credit reports with XXXX, XXXX and XXXX XXXX collectively. Capital One Auto Finance is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through Capital One Auto Finance internal self-insurance capacities. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 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 am writing requesting that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies. 
Instead of sending a separate letter for each, I am just listing the accounts below. Some of these, I saw are going on my credit report. I hereby request that you stop putting them on my reports. If you insist on doing so, please tell whoever uses my credit that I do not agree with the charges. 
For some of these, I have called to say that I couldnt owe as much as it says, but I dont know how to reach each one by phone. Some I have never gotten any letters for, so I dont even know how valid they are.

I know that it is illegal to put things on a credit report that shouldnt be there. So please, I request that you tell my credit reports that I do not agree. 
Please remove all items from my credit report which are not belong to me.

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 2020-09-10 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: VA

Complaint narrative:
I have been dealing with this issue for sometime. With XXXX, Equifax and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of XXXX XXXX last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to XXXX and Equifax to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to Equifax requiring ) Will XXXX  said that the verified it from XXXX XXXX but Equifax didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX   XXXX  all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX  veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A debt collection company Transworld systems bought debt from wages military star card and they are charging interest on a debt that was sold to them and that I never signed contract with Transworld but with aafes

Company response to consumer: Closed with explanation