vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
ORIGINAL COMPLAINT TO BBB This company is reporting as a NEW debit on my credit report. I received a letter dated XXXX XXXX 2021 stating that I owed XXXX to an original creditor for a loan. It said I needed to reply by XX/XX/XXXX2021. On XXXX XXXX 2021 the same date of the letter they reported to the credit bureau that I had a NEW debt to them ( XXXX ) for a past due loan same amount and information. It has a status update of XX/XX/XXXX it says I am 30 days late as if I made a agreement with XXXX XXXX XXXX. Which I did not. Not only did they not give me a chance to reply to the letter they reported it on the same exact date as a new debt to the credit bureau. I have only had one letter stated above and no other type of contact by this company and they reported a 30 day late. It was also updated with the bureau on XX/XX/XXXX. 2021. I did not sign/agree or speak with XXXX XXXX XXXX in any form. Supposed acct # with ( XXXX ) XXXX XXXX responded to the complaint with the BETTER BUSINESS BUREAU and said they after review they would delete the account and remove the information from the credit bureau. However what they did on the same day the said they would delete the Information they reported it to another credit bureau. I do have a copy of the reply if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
I reached out to National Credit Adjusters by phone on XXXX  phone number XXXX XXXX XXXX XXXX. I spoke to a representative and requested a pay for delete, the representative offered a deal for {$360.00} and stated that paying this amount would delete the account from my credit. I checked my credit report and found that the company is still reporting a the account to all three credit bureaus. I contacted the company this morning and was told by another representative that the company does not offer, pay for delete. I also sent the company an email requesting that they honor their agreement by removing the account from my credit report with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
the onemainfinancial email me using this account : XXXX they say i was approve to loan. then I called the given number in the email, well they told that i need to pay somes fees by gift cards /prepaid cards. so i paid all the fees they say, it cost me so much money but nothing happens they keep promising that after i give this amount they will release the amount of money I'm loaning and it will be deposited on my account then later on I got suspicious because they asking me again to pay a fee again. i told them I can't afford anymore the fees I'm gon na cancel my loan application and i want to refund my money it cost me 5,000 this the total amount i paid in the fees and they even give me a unpaid check that cost me 1,946 that my bank returned me the deposit check. so I search the website of the onemain Financial then email in their official site then they email back to me that they don't use gmail.com and they don't request payment fees on a gift card/ prepaid card. so the scammers txt me if i don't give them the amount they asking so that I can't refund my money that's what they say, after that if i don't come up with the amount they asking they will call the legal team and they will go to my work place and humiliate me thats the message they text me and threatening me that they will sue me and go the court house. I didn't delete their messsage for proof and receipts and the email and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 closed an account with XXXX XXXX XXXX on XX/XX/XXXX, when I paid the account in full on XX/XX/XXXX, they reported the information to the credit bureau as account being closed XXXX XXXX. This impacted by credit score negatively by 30 points. I have been notifying XXXX XXXX XXXX and the credit bureaus since XXXX, XXXX. XXXX finally submitted the corrected information to Transunion and they have updated my credit file with the corrected information, but they are telling me they can't do anything to correct by credit score to recover the 30 points that was lost because of XXXX error. My credit score with Transunion at the time was XXXX and it failed to XXXX, and my score with XXXX was XXXX and it failed to XXXX. I think its very unfair for my score to be negatively impacted because of an error by the bank. The bank has corrected their information with the credit bureaus, TransUnion have updated the corrected information in their system, but I'm continually told it's nothing they can do to correct my score. Thanks for your support in advance.

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 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling. 

Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment. 

When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment. 

In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.

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 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VA

Complaint narrative:
I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX  and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX  XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call. 
Thank you, for any help you can give in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Roadrunner Account Services, LLC
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-04-16 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NM

Complaint narrative:
In XX/XX/XXXXXXXX XXXX  reported a debt by a company called XXXX for {$840.00} by XXXX XXXX. I disputed this debt. I talked to XXXX XXXX and they had no knowledge of me owing this money. I talked to XXXX and they wanted to charge me money to investigate this debt. I do not owe this amount and I am in good standing with XXXX XXXX and XXXX XXXX XXXX. I disputed this with XXXX  and they deleted it from my account. 

XX/XX/XXXX XXXX has again reported the same debt by a company called IC System for {$840.00} by XXXX XXXX XXXX. I disputed it again with XXXX telling them that they had already deleted this once from account but did not do so this time. 

This is not my debt and would like to have it permanently removed from 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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax removed 2 active and open accounts from my credit report and dropped my score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was using my Wayfair card for many years, linked with Comenity Bank, and made purchases and payments electronically. In the midst of covid and selling our home and moving, Wayfair changed their bank to XXXX. On XX/XX/XXXX, I made an electronic payment to Wayfair ( Comenity ) of {$3000.00}. I closed my Wayfair ( Comenity ) account and opened a Wayfair XXXX XXXX XXXX account. I called XXXX and asked why I was not credited the XX/XX/XXXX payment. After I provided a copy of the XXXX XXXX XXXX XXXX, XXXX issued the credit. XXXX 's own Account XXXX, Closing Date XX/XX/XXXX, reflected the XXXX payment. Now, after all the money I have spent at Wayfair for our new home, my customer loyalty means nothing as the current Statement from Wayfair ( XXXX XXXX, closing date XX/XX/XXXX, has a balance of {$4000.00}. It isn't so. 
My Husband is XXXX and I am XXXX so the stress of this back and forth is not helpful. Thank you for helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
My accounts have not been updated even though it shows last updated within a few days of me viewing my credit score and report. My credit card balances have not been updated or anything. My credit score with the other credit reporting agencies is a 56 point difference because this company Transunion is terrible and reporting wrong and incorrect information. It is fraud to have three different reporting agencies all reporting different scores. There should be one credit reporting agency and consumers info needs to continuously be updated and correct as this is unfair and causes problems for people who are trying to fix/repair their credit to say purchase a home or car etc. This needs to be fixed and Transunion needs to get correct on their reporting or be done away with period!

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 2021-04-16 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/2021 cash had saying sent a payment of XXXX to cash app that i never received. called back they advised me contact you due to it being a third party. i'm so confused cause there are no funds on my cash app card nor sent to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I have repeatedly told cash one to not use the card on file to make a payment and I revoked the automatic payment. But they are still taking money out of my account and will not do anything about this. They are harassing with their calls too. The cash one employees over the phone are beyond rude and disrespectful, and now they are taking out money without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
On XX/XX/2021 at XXXX ET, I made a phone call from my personal cell phone to Zales / Comenity Support in order to request a credit line increase on my account. With my initial request, I made it clear that I did not want a hard credit inquiry, and I never gave consent to perform one. The representative said that we could do that and we moved on to the process of increasing my limit. He never requested consent to perform a hard inquiry, and if he had, I would have refused consent.

Soon after ending that call, I received an email from one of the credit monitoring services that I subscribe to with a notice of a hard credit inquiry from this request. 

I called the same support number again to request the removal of this inquiry as it was done without my consent. They asked that I submit the claim through a Secure Message dispute, which I did on XX/XX/2021, XXXX ET. 

I received a response on XX/XX/2021, XXXX ET telling me that they can not do anything and to submit the claim to yet another location. 

I called Equifax on XX/XX/2021, XXXX ET ( the credit report that this is showing on as of now XXXX, and requested to file a dispute. They informed me to request the inquiry removed from the bank and that I could submit a claim through the FTC.gov website, which directed me here. 

In one last attempt to speak to someone to help resolve this from Zales/ Comenity Bank , I called Support on XX/XX/2021, XXXX ET. The representative here would not give me any contact details to speak to anyone by phone or contact over email. 

As such, I am now submitting the claim here for help. I do plan to submit a dispute via mail, but experience and history of such dealings, has led me to believe that this will not be resolved in a timely manner. This is what brings me to submit this complaint here. 

I never gave consent for Zales/ Comenity Capital Bank to make a hard inquiry on my credit report. As such, the inquiry was done without my consent and should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I've been trying to resolve 2 Midland Funding accounts listed on my credit report and haven't been able to. I've attempted calling them for 3 weeks, several times a day and the department is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted our mortgage lender ( Mr. Cooper ) to initiate the process of having our PMI removed. Their PMI representative walked me through the process and I submitted all required documentation ( recent appraisal report, receipts of upgrades made, etc ). They responded back with an automated message that I would receive an update on my submission within 5 business days. 3 months later after NOT receiving a response or even an update, I called their customer service again on XX/XX/XXXX and was told they didnt think I was eligible to apply for PMI removal until XX/XX/XXXX. Their messaging and communication has been unclear and they are refusing to remove my PMI fee from my mortgage even after submitting all required documentation. The PMI fee is also NOT disclosed on the monthly statement and theres no available information regarding the fee within my customer account, which seems deceptive especially after unclear communication on the PMI removal process.

Company response to consumer: Closed with explanation