vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 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: LA

Complaint narrative:
There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was XXXX  in a XXXX XXXX program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of XXXX  as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact XXXX  XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX school, I had never missed a payment.

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 2021-05-01 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: LA

Complaint narrative:
There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a full-time graduate program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled full-time from XX/XX/XXXX until XX/XX/XXXX. Before graduate school, I had never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank credit is very mean reporting my current balance, its like by law i got told I shouldnt have to wait to next month to see my current balnce gets updated, so XXXX  updated my current balance with citi bank which reflected my utilization from 27 % went down to 18 % its like citi bank not following guidence its like they dont follow any of that till they get full balance, updating my balance as pulling tooth out of their mouth the minute i updated my balance and requested them to update my score they locked my account to see if there is a fruad on my account, and yup i told them i paid that amount of money becuase their interest rate apr 29 % on the account, though they say they waives interest rate on covid time they dont so i had to pay them. 
so my problem XXXX updated the new balance and XXXX  refuse to update the balance becuase they instructed by citi bank where please have XXXX  update my balance

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 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
Receive letter from Zwicker & Associates, P.C. who are supposed the law firm retained by XXXX XXXX XXXX XXXX. I submitted complaint with CFPB in form of a validation of debt letter/cease and desist, Affidavit of Truth, Invoice for federal violations accompanied with Exhibits. Copies were mailed physically to Zwicker & Associates P.C. as well. Since this prior submission of these documents. Nothing positive with respect to U.S. Codes was resolved. In fact XXXX XXXX somehow had XXXX  send me correspondence telling me the consumer, natural person and original creditor pursuant to 15 USC 1602 ( g ) that the alleged debt ( this alleged debt is a charge off which there is no definition in law to define what this is, and I never consented to this being in any of my consumer credit reports ) was verified and also that it was mine. I never validated any alleged debt so it'll infuriated me tremendously to read that a credit reporting agency basically told me an alleged debt was mine without giving any law to justify so. This is truly depressing me. I feel extremely threatened due to the stature of XXXX XXXX believing they are above law which was enacted by Congress. So I'm submitting another Affidavit of truth including Zwicker & Associates XXXX, XXXX by XXXX XXXX also known as XXXX XXXX XXXX, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
My dispute is regarding a collection account showing on my credit report from Collins Asset Group , LLC in the amount of {$4400.00}, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I never received an Explanation of Calculation of Deficiency and requested a copy from the original creditor showing the amount owed. They have refused to provide said letter. I will not pay until I receive proof that I in fact owed the {$4400.00} they are attempting to collect from me. Please note that this situation have negative impacted my credit and created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank credit is very mean reporting my current balance, its like by law i got told I shouldnt have to wait to next month to see my current balnce gets updated, so XXXX  updated my current balance with citi bank which reflected my utilization from 27 % went down to 18 % its like citi bank not following guidence its like they dont follow any of that till they get full balance, updating my balance as pulling tooth out of their mouth the minute i updated my balance and requested them to update my score they locked my account to see if there is a fruad on my account, and yup i told them i paid that amount of money becuase their interest rate apr 29 % on the account, though they say they waives interest rate on covid time they dont so i had to pay them. 
so my problem XXXX  updated the new balance and transuion refuse to update the balance becuase they instructed by citi bank where please have XXXX update my balance

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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX % AmSher Collections : On XX/XX/2021, from Social Security XXXX XXXX, which was reversed back due to claim file too soon for active payment. XXXX XXXX XXXX employee Insurance or payment coverage of medical treatment payment costs difference of {$1700.00}. 
I discovered collections notice today. Please investigate due to bill cost and reconciliation. XXXX XXXX  account billing stated that " collections and SSN XXXX would be notified-not to worry ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My Ex-husband and I had things in both our names and I did not file this and had the judge remove my name from bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX I purchase and item from best buy. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation

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 2021-05-01 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This account that is being reported 30 days late on my credit report on XX/XX/2018 does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.

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 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal closed my account for no reason at all and has been holing my remaining money on my account for more then 11 months now. I have tried to get in contact with them over 50 times and have only got through twice and got a answer which i was told they cant help or give me any information on my funds. This has to be a mistake i have done nothing wrong for my money to be held for almost a whole year now. I have bills to pay and the way paypal is conducting business is very sad. XXXX is the email linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
This account is being reported as 90 & 120 days late on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I graduated undergrad in fall XXXX so my private student loan, previously held at XXXX XXXX XXXX  and now currently at Firstmark Services, was in grace until XX/XX/XXXX. I entered XXXX  school in XX/XX/XXXX and called Firstmark Services to find out if I was eligible for deferment. I was told yes and sent a form for my school to fill out. I returned said document to Firstmark Services the beginning of XX/XX/XXXX. Never heard anything back. When I called on XX/XX/XXXX to make sure I was back in deferment, customer service rep was rude and condescending and told me that my document was declined due to missing my schools stamp or seal. Upon asking why no one had informed me, customer service rep said that because I was in grace, I was not a priority. All the while I could hear his tv playing in the background. I had to ask multiple times if I needed to make a payment before this deferment business was fixed and he was not giving me a clear answer. There is no where on their website to leave a complaint or do a survey either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I have an collections from Online Collection Services appear on my report XX/XX/2021 stating that I had an utility bill of {$1700.00} out of no where. I have never had an utility bills other than a cell phone bill no cable gas or electric bills. This is a fraudulent account that does not belong to me being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
This account that is being reported 30 days late on XX/XX/2020 and XX/XX/2020 my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've contacted this company 4 times and unverified items remain on credit report. I have not been provided any proof of a signed contract. They have not provided me with their method of verification. I do not know who does the investigations or how they do them.

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 2021-05-01 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: MARINER FINANCE, LLC
State: OH

Complaint narrative:
An account with Mariner Finance was fraudulently opened in my name by a former spouse. When it went unpaid, they sued me and received a judgement against me to pay in the amount of {$85.00} per month for the balance of the loan. I have made these payments on time since XX/XX/2020, however they are not applying them to the loan, and continue to report the loan as no payment made to the credit bureaus. When I contacted them, they stated they will continue to mark it as unpaid until the loan is paid in full. The loan will never be paid in full, because they are charging higher monthly interest than the $ XXXX  month payment, and therefore not applying the payments to principal. I spoke with XXXX at the XXXX XXXX who was rude and condescending and told me it was my own fault for not paying my bill, even though they have been made aware this was a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I HAVE BEEN REQUESTING FOR OVER A YEAR VIA MAIL, PHONE, AND EMAIL FOR MY TITLE TO BE SENT TO XXXX  DMV SINCE WE NO LONGER LIVE IN XXXX XXXX WHERE OUR CAMPER WAS ORIGINALLY PURCHASED. THE ONLY THING THEY HAVE SENT TO THE DMV IS TITLE INFORMATION AND NOT THE TITLE SO WE HAVE BEEN UNABLE TO TRANSFER OUR TITLE TO THE STATE WE LIVE IN WHICH IS XXXX. THEY ARE SAYING THEY CAN'T SEND THE TITLE TO XXXX  DMV UNTIL IT IS PAID OFF WHICH MAKES ZERO SENSE. WE SHOULD NOT HAVE A XXXX XXXX TITLE IF WE NO LONGER LIVE THERE.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and XXXX XXXX XXXX. And Equifax has the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that XXXX XXXX and Equifax are both telling me they are above law in which Congress enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX pusurant to Arvest Central Mortgage 's request to my last complaint, I provided dates and statements showing my credit effected by the erroneous reporting by Arvest on XX/XX/XXXX of my account in foreclosure when in fact it was paid in full on XX/XX/XXXX. Also Arvest threatened to charge me more on XX/XX/XXXX when there was already a payoff letter through XX/XX/XXXX and i was told not to pay it as the closing closing was in a few days. They reported the XXXX payment as late and charge a late fee. I provided the closing statement / payoff letter and they chose to ignore that and all the information provided to include numbers 1-19 with back up documents. These show that two major accounts were closed due to the XX/XX/XXXX credit reporting error. Also two accounts lowered my credit limits due to the XXXX/XXXX/XXXX error in reporting to the credit agencies. Arvets requested dates and I gave them more than enough. The only response I received was that the corrected the error on XX/XX/XXXX almost XXXXhree months later. This is not sufficient and they stated that their prior response was not changed despite the new documentation showing that they effected my credit limits and scores to my detriment and provided no assistance to me and my family. This is humiliating and embarrassing as well as not a proper response to the problems they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sometime in XXXX I was the victim of identity fraud due to the breach at XXXX Once I started receiving various billings on accounts I did not open I reported the fraudulent activity and filed a police report with the XXXX XXXX County Sheriff. All of the other accounts were deemed fraudulent and I was no longer billed. 
The Home Depot was a company that CONTINUED to open fraudulent accounts on my stolen identity in the area of Northern California EVEN AFTER A " PASSWORD '' WAS PLACED ON MY INFORMATION and my social security number was flagged by Home Depot Credit. I reported each account as fraudulent and received subsequent letters that the account would be closed and that any information reported to the three credit reporting agencies would be deleted.

The Home Depot, in spite of the above opened yet another fraudulent account. For the past year I have been calling every time I receive a statement and am assured that the account will be revised to show a zero balance. 
In XX/XX/XXXX, I received a past due statement from Citi Bank who services credit for The Home Depot. On XX/XX/XXXX I called Citi Bank and advised that the account was indeed fraudulent. I spoke with an individual who identified herself as " XXXX XXXX ''. I was advised by XXXX that the charges would be reversed to show a XXXX balance. 
As of today, XX/XX/XXXX I received notice that the fraudulent Home Depot account has been reported to the various credit reporting agencies as delinquent which has caused my credit score to drop over 80 points causing great damage to me in that my husband and I are attempting to refinance our home. After repeated attempts to contact Home Depot today I have been ( 1 ) transferred to a non-working number by " XXXX '' ( 2 ) after calling back a representative " XXXX '' hung up after saying he could not hear me and ( 3 ) disconnected twice. Before transferring me, XXXX read the notes on the account and reiterated that she saw that it was in fact a fraudulent account and that I should not be receiving bills. 
I have over 20 pages of evidence supporting the above-upon request I will mail copies to you.

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