vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-09-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I called Transunion and requested to speak to a USA agent in the special handling department, but instead my call was routed to an agent outside of the USA, who told me they were unable to remove unknown inquiries from my credit report.

The inquiry that is showing unknown is : XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email. 


On the Transunion inquiry section it actually says I can dispute inquiry by phone or email. But when you click the option to do it by email, there's not email listed. If I can dispute it by phone, then why didn't the agent file the dispute for 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 2020-09-03 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: GA

Complaint narrative:
I have been a victim of Fraud. I provided the proper information and my claim was not honored.

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 2020-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
In XXXX I applied for a refinance on my home which is currently finance by New Rez. I supplied all information needed and I receive a conditional approval around XX/XX/XXXX. I was told the estimated closing was XX/XX/XXXX. I have reach out to this company numerous of times and emails to show as well. I was told by processor she has XXXX files and thats why it is taking so long. I have been asked for the same information over and over again that had been submitted already. I asked to speak to the manager XXXX XXXX who never returned my phone call. When inquiring about my loan in XXXX I was told waiting on title this month it was pay off. This has been a never ending process. It should not take 5 months to refinance when I am constantly asking what is needed. I have had my daughter to reach out several times. No response. I have file a complaint with the XXXX  and the response I received stated we were scheduled to close on XX/XX/XXXX and to contact XXXX her supervisor. I have included the attachment below as well of the complaint. No one should be treated in the manner that me and my husband have experienced. I will continue to write until something is done about this situation as I have already paid over {$500.00} for an Appraisel and each month that I am paying 8.9 % interest rate. is it costing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 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: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.

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 2020-09-03 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: AG AH LLC
State: CA

Complaint narrative:
1. When CV-19 hit, our tenants told us that they had lost their jobs and that we could not pay the rent on our single family house. 
2. We requested CV-19 Forbearance of the mortgage payments in writing on XX/XX/XXXX, and again on XX/XX/2020. 
3. We received a letter informing us that our CV-19 Forbearance Plan would begin XX/XX/2020. 
4. On XX/XX/XXXX we requested that our Forbearance Plan start, and include XX/XX/2020. We also requested that any negative credit report of a missed payment be removed. 
XXXX. On XX/XX/XXXX we received a reply to our XX/XX/XXXX email. The bank stated : " We have received your recent inquiry regarding your mortgage account. Your credit dispute has been forwarded to our credit team. Please allow time for the research and resolution for this request. '' 6.  On XX/XX/XXXX we notified the bank that we had still not received a response to our demands for correction and that we would be filing a complaint with the CFPB. 
7. We have never heard from the bank following their XX/XX/XXXX email to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XX/XX/XXXX I was contacted by a XXXX XXXX XXXX representative stating that an imminent court summons was coming with intent to sue, put a lien on my home and garnish my wages. This was regarding an HSBC Bank credit card I assumed was discharged in bankruptcy in XXXX. I was told by the representative that my attorney said the HSBC account had not been included in my bankruptcy and the debt had ballooned with interest and penalties. Oddly, this debt is and was not on my credit report. Not did I ever receive any written notification of the debt. With my work reputation being threatened, I foolishly made a settlement payment for {$1700.00} with the understanding from the representative that I would receive a certified letter detailing the debt and the HSBC account number. I intended to present this to my attorney for comparison. The letter never came. The threat to my reputation and home caused me undue stress and caused me to make a hasty decision that I would otherwise not make. Hindsight is of course 20/20 : I never received a validation notice ; the debt did not appear on my credit report so it is quite possibly time-barred ; the tactics used were classic coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: GA

Complaint narrative:
The company is not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and which FCRA 609 require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing to exercise my rights using FCRA 609 guidelines which require them to follow what I mention.

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 2020-09-03 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: Bliksum, LLC
State: CA

Complaint narrative:
This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. LOANME IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MO

Complaint narrative:
In regards to account number XXXX from XXXX XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.

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 2020-09-03 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: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lake City Credit
State: TX

Complaint narrative:
When pulling my credit, I noticed there was an extremely high account recently placed in collections by Lake City Credit ( XXXX XXXX  XXXX XXXX XXXX, TX XXXX ) On XX/XX/XXXX, I sent a Debt Validation Letter by certified mail to Lake City Credit in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/XXXX, I have not received a response. I researched Lake City Credit and was able to verify that this company is not licensed or bonded and has no right to collect a debt in Texas, but the reason for my complaint is, when I researched the account I noticed Lake City Credit is attempting to collect on an XXXX  account closed in XX/XX/XXXX. I feel this creditor is violating the XXXX XXXX  by placing a extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' without validating the amount owed since under the FCRA 15 U.S.C. 1681i, all unverified accounts must be verified or removed from my credit. 

Attached are my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I purchased a vehicle from XXXX and at the point of purchase, I was asked to set up auto pay which I did. Fast forward 2 months and my first payment was due on XX/XX/XXXX. I received communication from Ally Auto stating " Thank you for scheduling your payment for XX/XX/XXXX '' I assumed that because I received that email, I am good to go and my first payment will be deducted from my account. 

Two weeks go by and I did not see a withdrawal from Ally Auto. I logged into their online portal and noticed the past due amount. I immediately made a payment for the month of XXXX and XXXX. I made that payment on XX/XX/XXXX. I assumed that will take care of the balance. The very next day, Ally threw in a {$21.00} late fee on the account. Even after their gross miscommunication regarding the auto pay, I made a payment at the XXXX day deadline required by them to avoid a late fee. I have been unjustly charged by Ally Auto and demand a refund for that late fee. 

I tried calling Ally and their first rep hung up because she could not hear me. I called back again. After 20 mins and transferred to their " supervisor '' I was hung up for the 2nd time. I explained in detail with professionalism that I should not have been charged this late fee. When I pointed out that I was still within the 15 day window, she hung up.

I tried calling back and it was a busy tone. I was unable to get passed automated system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests via certified mail, the unverified items listed below still remain on my credit report in violation of Federal Law. You failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

Please remove account PROCOLLECT # XXXX I never had a contract with this debt collector for any debt.

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 2020-09-03 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: NY

Complaint narrative:
I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.

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 2020-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Believe that money is being stolen from bank account and has been for many years. Repeatedly contacting bank about this. Reps are always acting like the info they have is correct. ATM shows one amount and with no withdrawls and numerous deposits, amounts are not adding up. Bank continues to say what info is available to them on the screen, and wont sincerely address the issue. Even receipts that I have from the ATM machine dont match the statements the bank sends to me. 

Will be contacting attorneys to research this as well. This has been going on for well over 10 years and I feel that the bank knows I am correct, but will not admit it. 

-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. XXXX IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!

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 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I have attempted to validate this debt directly through the collection agency. CSA has been granted more than 30 days to validate the debt and has not fulfilled there obligation. I have attached the validation request : Please assist with removing items from credit report per FDCPA. XXXX  has not conducted a reasonable investigation COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$49.00} COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$430.00} Validation Delivered on : Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX, GA XXXX. The item was signed for A M. 

CSA Inc. 
XXXX XXXX XXXX XXXX # A XXXX, GA XXXX USPS # Tracking XXXX /Priority Mail

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 2020-09-03 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: MO

Complaint narrative:
In regards to account number XXXX from XXXX XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.

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