vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding is holding onto a debt that was discharged in bankruptcy. Amount is {$140.00}. I have provided information and it even shows on my credit report where it was discharged in bankruptcy. They refuse to remove this. XXXX sold the debt to them but they even show a discharge.

I have filed 3 disputes on my credit, my attorney has contacted them and has stated they have had issues from this company. 

Lvnv funding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am in the final days of refinancing my home and I had a good credit score but now its dropped XXXX points and now the mortgage company wont approve the refinance. After numerous phone conversations with creditor COMENITY Bank speaking with service reps and supervisors starting XX/XX/2021. 
They said the issue was resolved but when our mortgage guy checked my credit score it had dropped XXXX points as a result of COMENITY bank not fixing the problem. I called them back on XX/XX/2021, I was told by the credit rep it would take 60 days to remove the low credit score. As a result of the delay we can not get our refinance and as a result our interest rate has gone up XXXX XXXX %. We only have a few days to keep our locked in interest rate. WE NEED THIS ISSUE RESOLVED IMMEDIATELY!! 
Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/21 deposited USPS money order they told me it would be available next business day then later they put 10 day hold on it. This is second time this happened but it happened before with XXXX VA branch this is XXXX VA branch. I cant get in touch with branch and I put in complaint on branch manager through customer service. This is second complaint with OCC about same issue. They keep doing this these branches make there own rules??? This is crazy I need my money when they say Im suppose to get it. No other bank puts a hold on USPS money order for 10 days!!! Im closing my account with this bank as soon as I notify companies that take money out my 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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. XXXX has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH XXXX REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY. 

XXXX may have acted alone or in concert with XXXX, the new servicer. 

XXXX 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of XXXX and XXXX. 

2 ) My homeowner 's insurance rates are about to renew, and are based on my credit scoreXXXX XXXX XXXX actions will materially and negatively affect my rates, costing me up to thousands of dollars. 

3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. XXXX and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS. 

3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. XXXX XXXX ( and XXXX XXXX ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.

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 2021-03-05 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: TX

Complaint narrative:
XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.

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 2021-03-05 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: TX

Complaint narrative:
XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.

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 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
CRB Auto recently changed to Mechanics Bank, and now their website doesn't work. My car payment is due in 4 days and I've never had a problem paying my bill. Today I tried to log in but got an error message saying my user name or password was incorrect. I clicked on the " forgot password '' button and it said to enter my user name and a temporary password would be emailed. I entered my user name and it said there is no account with that user name. I clicked on " forgot user name '' and it said an email would be sent to the email address on file, but I never received an email. 
I have never had a problem paying my bill while it was CRB Auto. Mechanics Bank must have done something because now I can't pay my bill. Not sure what to do. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The debt is not in my name, it is in my husbands. I informed Phoenix Financial in the past they need to call him. They called again on XXXX the XXXX and proceeded to give me all of his information on the debt to the Emergency Room. I did not have to give any identifying information. And I do not think that is legal. 

I informed the caller that she needed to call him, and I was told, " Well your number is the first one listed. '' And hung up. It isn't. The debt is in his name!!! 

I am sure they are using this tactic for a lot of married couples, and that is not right. I do not have anything to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-03-05 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I paid the settlement with Westlake Financial. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I previously filed a complaint ( complaint ID XXXX ). This is my original complaint : " Beginning XXXX XXXX, I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney. '' The company responded with an apology and stated they had removed my number from their system yet I am still receiving calls multiple times daily and have informed them they have the wrong number. The reason for this is the company removed the wrong number. The number they removed is XXXX. My number is XXXX. I will be forwarding all of this information to my attorney because this is totally unacceptable and I plan to seek damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GA

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I got the loan in XX/XX/XXXX was supposed to make first payment in. XX/XX/XXXX i got in a car wreck hirt my back and was out of work for a while. I talked with them in XX/XX/XXXX told them i would pay as soon as i got my taxes. Then they started harrassing me day and night everyday at home at work. I work nights so they would call my work at XXXX at night. My charge nurses would tell them to stop calling i would tell them to stop. XXXX store manger would be rude and tell me if i answered my phone when he called he wouldnt call my work rude and hateful. I work nights so when he would call at XXXX in the afternoon thats one in the morning to me. I sent two cease and desist emails to tower loans telling them to stop harrassment at my job they continued. I told XXXX again to stop he continued and was very rude. In the middle of all this i was behind for being off from the wreck and had to pay to get my car fixed so i was behind in everything he wouldnt help. Then covid hit and i got covid was out for a month. No i am even further behind. I have a family of XXXX i have to take care off rent over XXXX and all utilitys. So of course i cant pay. Now they are sueing me ok i get it. Itstead off getting my new address they are harassing me at work again after almost getting me fired the first time. They are having me served at work, sending papers to my work. They are ganna get me fired then no one will get money.

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 2021-03-05 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: NJ

Complaint narrative:
I paid the settlement with XXXX XXXX. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We received conditional approval for a mortgage for a second home in XXXX Tx on XX/XX/2021 for the amount of {$250000.00}. Since then we have completed and submitted all of the required forms and information and just pending an appraisal in order to close. As of XX/XX/XXXX ( original closing date ), Bank of America has yet to secure an appraisal nor can they communicate when they would be able to. 

This has effectively put the entire transaction on hold while rates continue to climb. It's hard to imagine why Bank of America is unable to complete this basic step needed to close this deal.

My loan officer is XXXX XXXX, NMLS # XXXX XXXX, extXXXX I'm not sure if there is anything you can do but would appreciate any help with this matter that you could provide. 

Thank you and please let me know if you have any questions and/or comments

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 monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Service Finance Holdings, LLC
State: NC

Complaint narrative:
This in response to XXXX XXXX and air conditioner response to my complaint. Their response to what happens is not entirely accurate. XXXX did install my air conditioner on a weekend of a holiday. I did contact XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX then I called their standby contact at XXXX and XXXX I then received a call at XXXX. that my air conditioner was not functioning properly. The technician came on XX/XX/XXXX Then 3 months later on XX/XX/XXXX, I had to call and follow up because their finance company was calling me, they must have forgotten about me so I called and left a message and emailed XXXX and he responded by email on Mon XX/XX/XXXX and informed me an inspector will come on Monday, XX/XX/XXXX and that they can not control the finance company and the job was complete and up and running, I did not attempt to argue because it was not running or functioning properly. Thats why their technician had to come back and fix it on XX/XX/XXXX. Also, I responded back with unsatisfied remarks. See email. Then I emailed XXXX again on XX/XX/XXXX, and requested the date ad time the inspector was arriving. Then on XX/XX/XXXX their technician came and fixed the problem with the air conditioner. And Mr. XXXX ask what day would I like to schedule the inspection, then responded and I followed up again on XX/XX/XXXX and finally, XXXX responded that my inspection would be on Wednesday, XX/XX/XXXX at XXXX am I received a call from XXXX attorney requesting I speak to him and his attorney on the phone. I was not going to respond because it was abrupt. I received no letter from XXXX stating they want to come up with a solution. But since the call, I received no other correspondent from XXXX heating and air conditioner. 
Please see attached email and phone call list showing the dates and times the calls took place. And see the bill from service solutions. 
Also someone came to my home and put an letter with no envelope in my mailbox. I have no idea who did ait, I do have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I received a letter from CCS USA. dated XX/XX/21 accusing me of owing them {$200.00}. They purchase the debt from XXXX XXXX XXXX. I do not know these companies and never signed a contract or did business with them. I contacted CCS. they have no permissible purpose according to the FDCPA AND FCRA THE PRIVACY ACT as well. They can not sell or buy debts. I have to have had a contract with my signature as proof. CCS is a? 3rd party collector to a debt that is not owed. As solution i want the harrassment to stop from them in this pandemic. I already contacted XXXX the so called original debtor to rectify this situation. It's my right. As a vulture company Ccs is officially advised to not further pursue this FRIVOLOUS claim. Im ready and willing to use resources set fourth by the FCRA FULLY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVICES is reporting a debt in the amount of XXXX to the credit bureaus that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FL

Complaint narrative:
We are trying to refinance our house. We resolved a matter with US Department of Education and our loans are current. We pay through XXXX XXXX, which is listed on our credit reports as XXXX 

EQUIFAX, the company we are complaining about, continues to list our loans with Department of Education as Derogatory : PAST DUE, which they are not. The accounts listed are XXXX ( {$64000.00} ) ; XXXX ( {$61000.00} ) ; XXXX ( {$39000.00} ). These accounts were transferred to XXXX in XXXX, 2020, and are current. 

We contacted Department of Education who has confirmed that all accounts are current and are being serviced by XXXX We contacted a prior servicer, who stated that all accounts were transferred to Dept. of Education for transfer to XXXX  We contacted EQUIFAX, who has not returned our phone calls. We have no recourse but to file this complaint against EQUIFAX. 

All other Credit Bureaus, XXXX  and XXXX, show only one servicer, XXXX and show our loans as current. 

EQUIFAX has negligently reported that Department of Education is reporting our loans as Delinquent. Department of Education tells us our loans are current and are being serviced through XXXX. We are making automatic payments on our loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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