vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
A default judgment filed against me which was for XXXX from XXXX XXXX. The credit bureau shows a delinquent amount of XXXX with XXXX XXXX which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX I. with Mandrich Law Furm and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, XXXX XXXX XXXX, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor XXXX XXXX XXXX XXXX XXXX created a fake balance to try and force me to unlawfully pay. XXXX XXXX XXXX also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was XXXX. This account is over 10 years old! Not only that, XXXX XXXX XXXX misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
XXXX XXXX  XXXX  may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with XXXX XXXX XXXX and again, they are falsely claiming that I owe them XXXXXXXX}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and TransUnion is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.

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 2021-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I've been beyond harassed by this company. The company thinks they can interrogate, make snide remarks, and even threaten us with legal action. 

I'm disputing a charge from transferring from one apartment to another and when I communicated this, the women I spoke to treated me like an XXXX and declined to send over confirmation for the legitimacy of the debt She kept asking me about payment when I told her from the start that I am disputing the charge. 

I can not take any more harassment from the company representatives continuously calling me before 8am on my work phone without any regard. 

IQ DATA INTERNATIONAL customer service seems to forget what is going on in the world to belittle people who try to go by life day by day and make it through the hardships of a pandemic, they continue to add fraudulent interest charges on a collection amount that isn't valid, to begin with. 

This company is hounding me and making me feel guilty and scared that if I don't pay them they will cause havoc in my life for a debt that's not Valid. 

There are over 250+ lawsuits against this company and I've contacted them multiple time regarding an old lease. Each representative I spoke with gave me a completely different amount due and they do not follow fair collection practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I received a text message from Cittizens One Credit regarding a Fraud Alert for my credit card asking me if I had attempted to charge XXXX at XXXX. I responded no and received a phone call from Card Security within 5 minutes informing me that multiple charges were made on my account that prompted a fraud alert. I had not used the card for any of the charges on that date. Some of the charges were on the internet and others were in XXXX. Florida. As I told Security I was in XXXX XXXX, North Carolina where I had been since the end of XXXX. Security stated that they would close the account and send a new card. I requested that it be sent to my North Carolina address in addition to an affidavit regarding the fraudulent charges. I received a new card that had been forwarded from my Florida address in about 3weeks. I did not receive any other documents and called security several times and was told that an investigator would contact me. On XX/XX/XXXX I received a letter that the investigation was complete and that I was responsible for XXXX XXXX charges. I called the number on the letter and it kept dropping my call. I used the main number to contact security who informed me that no one was at that number and they could not directly contact an investigator  and had to forward a message. I asked how they could conduct an investigation without speaking to me and was told that a POS was used on the charges in Florida. I said I have the card in my possession in North Carolina. Security said they would leave a message for an investigator to call me in their system. To this day I have never received a call. I sent a written dispute of charges on11/30/20. On XX/XX/XXXX I received a letter that I was responsible for {$8100.00} by XX/XX/XXXX because the card was present and inserted in a POS. They suggested that I contact the merchant in Florida. As I have previously stated I was in North Carolina from the end of XXXX until the beginning of XXXX. The card that was delivered to me never left my possession. I have included copies of credit card statements with charges I made in North Carolina on XX/XX/XXXX in XXXX, North Carolina and XXXX XXXX, North Carolina at several businesses. Please help me resolve this distressing situation. I have always paid my bills and would never charge this amount on my card. I have no need for auto parts as I drive a new car. I have an excellent credit score and would never make a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX, I paid my XXXX  mortgage to the Bank of America Branch in my hometown. Last Tuesday ( XX/XX/XXXX ) I received a call from Bank of America. I did not answer it due to being at work, but I listened to the automated voicemail during lunch. I tried to reach someone on the number left ( didn't know why they called ) but didn't get anyone. I went through the prompts and found out that the last payment they have that they received from me was in XX/XX/XXXX. I called the bank immediately only to be told they could not see anything from their side. I was asked to come to the bank and bring my receipt. They couldn't find my payment from the receipt and asked to see a copy of the check I wrote. When given this information they located my payment on someone else 's account. Yes they paid someone else 's mortgage with my payment. They assured me they fixed it and I should see it by the end of the day. They even called to reassure me it was taken care of. The next day I received a call from a loan officer from the bank telling me that my payment was late and they needed it. I told her what happened and I was informed she didn't see it in her system. She said give it a day. On Friday I checked and still nothing. Also on Friday I found that the bank reported my missed ( but not missed ) payment to the credit bureau which dropped my score by 24 points. I have tried daily to get someone on the phone, but I can't get anything help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX  fcra violations not mine

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 2021-01-19 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX fcra violations not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I deferred my student loans due to my XXXX  and my loans were sold back and forth between XXXX and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XXXX  ( XXXX  XXXX  ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies XXXX and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a disabled vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the 2 companies are sister companies it feels like tax fraud may be involved also.

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 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: IL

Complaint narrative:
A default judgment filed against me which was for XXXX from Westlake Financial. The credit bureau shows a delinquent amount of XXXX with Westlake Financial which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.

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 2021-01-19 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
XXXX XXXX XXXX : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account.

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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC
State: MS

Complaint narrative:
I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, Mountain Run Solutions, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor ( Mountain Run Solutions ) created a fake balance to try and force me to unlawfully pay. Mountain Run Solutions also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was {$420.00}. This account is over 10 years old! Not only that, Mountain Run Solutions misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
Mountain Run Solutions may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with Mountain Run Solutions and again, they are falsely claiming that I owe them {$960.00}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and XXXX  is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX {$10000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$10000.00} {$10000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$10000.00} Monthly payment {$280.00} Late payments - No payments have been reported on this account. 

XXXX XXXX {$34000.00} Balance updated XX/XX/XXXX Unknown payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX {$10000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$10000.00} {$10000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$10000.00} Monthly payment {$280.00} Late payments - No payments have been reported on this account. 

XXXX XXXX {$34000.00} Balance updated XX/XX/XXXX Unknown payment history

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing this letter about my synchrony bank amazon credit card, This is my third letter on amazon credit card in regards to dispute charges and balances not corresponding with available credit on my statements also charges not recognized. 
I called several time to amazon and synchrony bank but no one can not give me a positive answer on what is going, although the balances on the account is not matching the available credit. Checking the previous months to now the balances and credit available is not right on the account including purchases and payments made. I have tried in many ways to resolved this matter with them but everyone I spoke to give me a different answer. I would like to have an investigation done and also matter need to be justified accordingly. Thank you .XXXX  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 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a collection on my credit file and its not my collection the collection is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a promotion of 0 % APR till XX/XX/XXXX. On XXXX, I paid my balance IN FULL ( billing period XXXX, due date XX/XX/XXXX ) on XX/XX/XXXX, before due date, to avoid interest charge after promotion ended. However, in my next statement ( billing period XXXX XXXX, I was charged {$54.00} interest for my purchases happened XXXX. The way they calculated interest and promotion is super tricky, I got charged interest event hough I paid my XX/XX/XXXX balance in full. Agent told me I need to pay in full for everything happened before XXXX, which is when the promotion ended. This is ridiculous, they are using statement cycle and promotion cycle at the same time, which is super unclear to me. Also, to my understanding, I should not be charged interest as long as I paid off statement balance, however, it's not the case under this condition. Citi confuses me with the way they calculate interest and don't refund me the interest. 

I talked with 2 different agents from Citi already, they can not help me solve this problem ; I also filled a complaint on BBB, haven't heard anything from Citi yet.

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