vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was on a payment plan for a medical bill with XXXX. I was making my payments on time for over 8 months. My debit card attached to my payments was compromised. Someone stole my info and was charging online. My bank cancelled my debit card. The same day my card was cancelled my XXXX payment went through and declined due to the card being cancelled. I realized this 5 days later when I was still looking at what was attached to that debit card number. I then made the payment. I was notified by XXXX a week later I was sent to a collection agency. I called the collection agency they stated if the balance was not paid in 21 days it would be reported to my credit report. I went to the XXXX office and explained the problem they stated if I could prove my card was stolen they would take the account back. I got all the info and submitted it to XXXX. They then told me they could not take my account back from the collection agency. I was NEVER late on a payment, so therefore how can I be turned over to a agency and 21 days later it was reported on my credit report. On the credit report it said I was delinquent since XX/XX/21. This all happened in XX/XX/XXXX. I thought you have to be 180 days late even to be reported to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC XXXX  XXXX  XXXX XXXX agreed ( on XX/XX/2022 via email ) to transfer an appraisal to my new lender. She stated I probably wont get it transferred until early next week My lender, XXXX, and I were unable to reach XXXX during the next week. I was notified on XX/XX/2022 that PNC would not transfer the appraisal until I paid the invoice. I promptly paid the invoice on XX/XX/2022 ( confirmation email attached ). 

I was notified on XX/XX/2022 that XXXX did not include the full appraisal documentation ( SSR files ). The email stated that PNC is refusing to transfer these files. 

As a result, the loan is unable to get processed and the closing date needed to be cancelled. I had to cancel multiple reservations, including moving truck rental, security installation, refrigerator installation/delivery, internet installation, and homeowners insurance. 

I have the right to these documents, since I paid the invoice in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin...... XXXX I paid this account off XX/XX/XXXX in full in the amount of {$170.00}. Account opened XX/XX/XXXX. I had to care for my sick, XXXX XXXX, unable to get a part time job to pay off this debt, she passed on XX/XX/XXXX. I paid the account off. 

I contacted this company by phone XX/XX/XXXX, XX/XX/XXXX, by letter, XX/XX/XXXX with no results to remove the CODE, " CO '' from my credit report. 

I asked if they would REMOVE " CHARGED OFF '', since I paid the full amount, THEY REFUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
5TH REQUEST PLEASE SEE ATTACHED FTC REPOERT. IVE NEVER DONE BUSINESS WITH NCA OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPAMANY. THIS ACCOUT IS FRAUDULENT AND NEEDS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
MY CAR WAS IN A ACCIDENT WITH TOTAL LOSS.THERE WAS A REMAINING BALANCE OF XXXX AFTER INSURANCE COVERED THERE PART.My gap insurance is refusing to pay that balance due to me extending payments in back of loan due to covid.They stated the goverment didn't help them.The bank didn't charge me late fee 's, and did not consider me late .Please help 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 2022-03-01 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX and Midstate Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX Bankruptcy  : XXXX ( XXXX XXXX XXXX Illinois ) This collections entity is using data and sending informtion to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankrptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & Midstate ALL informaiton and discharg info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employement and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-01 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: Premium Credit Bureau
State: FL

Complaint narrative:
Premium Credit Bureau, is showing a hard inquiry ( XX/XX/2021 ) in all my credit reports ( XXXX, XXXX XXXX XXXX ), I don't recognize it. 
I have been sending letters to Premium Credit Bureau as well to the 3 Credit report offices, neither of them is showing evidence of myself approving Premium Credit Bureau to inquiry my credit report, I don't recognize this inquiry and didn't receive any answers from Creditor neither from the Credit report agencies. 

On XX/XX/2021, I went to get my new car in a XXXX XXXX, as this was a lease I authorized XXXX XXXX to run my credit but XXXX XXXX XXXX XXXX run my credit as well, I sent letters and email to dealership without any answer neither an explanation, also I requested the 3 Credit Bureau to remove the inquiry without any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a bill from debt collector Transworld Systems , Inc for an invoice ( XXXX ) issued by XXXX XXXX XXXX XXXX for the amount of {$180.00}. After talking to both debt collector and XXXX I'm able to get original invoice which is not billed to me but to XXXX INTERNAL SORT ID ( for {$160.00} ), a company that refused to pay the bill. Since I'm the receipient of the service ( a package ) they are now trying to collect their debt from me. But I never received any request for payment from XXXX. When I try to pay the original invoice that XXXXXXXX XXXX XXXX XXXX refused to pay, XXXX doesn't accept payment because it has been sent to collections agency. When I try to pay Transworld Systems , Inc they don't accept the original amount because they want to collect their fee. So far I have refused to pay anything other than the original amount. First I'm not the party with the debt, second I've never given a chance to cover the bill. I'm willing to pay XXXX expenses for the service, but not give any profit to any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: UT

Complaint narrative:
I refinanced my mortgage last month. The previous mortgage company completely removed my information from all credit bureaus showing excellent payment history, which caused my credit score to drop XXXX points and two of my creditors to decrease my credit limits, which also dropped my score even further, because they state no mortgage loan and mix not diverse due to no mortgage showing. I DO have a mortgage. Cardinal mortgage should have documented my mortgage with them Paid In Full since it was

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Hello, My credit card information was recently stolen and used to purchase thousands of dollars worth of cryptocurrency that I never gave permission for. The day I was approved for a credit increase, the hackers maxed out my credit card. My bank said they will investigate. But the charges are still on my credit card. I cant make any payments now because its maxed out. I need help asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
There is an ongoing issue with requesting a refund. I was never notified of a problem with my request and requesting management intervention has not resolved the issue. Consistent cycle of delays without repercussions but if I was 3 months in submitting payments the student loan company would want to garnish my salary. 

Please do something so this does not happen to others. 

XX/XX/XXXX - student loan company at XXXX agreed to process refund of {$4300.00} which would be return as paid through XXXX to XXXX. 
XX/XX/XXXX - student loan company stated refund was approved on XX/XX/XXXX and would be return as paid through XXXX to XXXX in XXXX weeks. 
XX/XX/XXXX - student loan company stated refund would be received in XXXX weeks, but by mail. 
XX/XX/XXXX - student loan company stated refund was approved, would receive by mail, must be a problem with XXXX. Spoke with XXXX stated there was an error, but could not explain the issue stated would expediate request. 
XX/XX/XXXX - student loan company stated refund was approved XX/XX/XXXX still pending, requested XXXX stated XX/XX/XXXX had a clerical error when request was created she contacted billing and refund would be return as paid through XXXX to XXXX in XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Bliksum, LLC
State: AZ

Complaint narrative:
I took out a personal loan from cc connect or loan me last year around XXXX and my credit report got a hard inquiry. I took out the loan to help with my credit and they said they report payments. They never reported one payment and i paid it off early and they never reported that. I called several times and they won't help me. All payments were on time and the loan was paid in full early. They just say file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: FL

Complaint narrative:
American Coradius International ( ACI ) called me on XX/XX/2022 at approximately XXXX. They explained they were calling to collect a XXXX XXXX XXXX XXXX loan against a company I no longer work for. This was the third call they had made to me over the past three weeks and each time I explained that : 1 ) The loan was provided to a business and they are calling a personal cell phone of a former employee.

2 ) The business had closed ( out-of-business ).

3 ) Please stop calling. 

They continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit 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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022, My last attempt to resolve this issue I requested Equifax, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The Companie is repoting to the credit agency that I owe XXXX to them. I never had a contract with them. The companie was sent notice 30 to 60 and they didn't remove it from my report and its still repoting with a blance. The date was last reported XXXX the opend date was XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN Charged off : XXXX XXXX  XXXX Balance : {$30000.00} -Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$30000.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

Collection : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} -I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately XXXX Charged off : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} -These particular accounts are undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$30.00}, XXXX and {$10000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I started going into the hospital because of my spine my XXXX with my wallet attached was stolen I lost my XXXX in XXXX I have had to have my spine fused together I need my money someone drained my Robinhood debit card and they have done nothing I need help it's close to {$10000.00}

Company response to consumer: Closed with explanation