vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: MD

Complaint narrative:
Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Transunion regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Reporting Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I would like to add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.

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 2021-02-11 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: NY

Complaint narrative:
I am submitting this complaint in regards to my XXXX  XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX  ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as 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
Consumer complaint received 2021-02-11 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: NY

Complaint narrative:
I am submitting this complaint in regards to my XXXX XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at express that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as 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 non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOGICOLL, LLC
State: WA

Complaint narrative:
I opened up an account with creditone for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from Logicoll LLC stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to Logicoll , LLC. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''.

Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX  XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX. 
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly. 
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.

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 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Debt Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act XXXX FDCPA XXXX. Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX  XXXX  Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries T-XXXX  XXXX  XXXX XXXX  on the XXXX XXXX  XXXX XXXX XXXX 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 2021-02-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The first phone call occurred on or about XXXX, 2021. I did not recognize the number calling and let it leave a message which was a prerecorded message from a lady named XXXX (? ). The recording was not clear. I called the company after looking it up online. The company is Ally Financial. They wanted my social security number and I refused to give it to them because I did not have business with them. They were looking for a XXXX or XXXX XXXX. My husband 's name is XXXX XXXX XXXX and we are not related to this other person. I told them the number they were calling and they said they could not find it in their records. I asked that they not call me any further and they said that I would not be called. I received a call daily over the next five days and each time I went through the same conversation. The last time on XX/XX/2021 I told the person on the phone that I would file a complaint if I got another call from them. They assured me I would not be called. Today at about XXXX XXXX  I received another phone call. I want these to stop but they wont stop calling 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 2021-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Nelnet states that XXXX XXXX has disqualified me from an interest rate reduction based on an XX/XX/2018 payment. They state that the payment was late. However, this was the month that XXXX XXXX transferred servicing of my loans to Nelnet, which means that there was some confusion on who the payment should have been directed to. Therefore, I should not be penalized and given the interest rate reduction ( to 1 percent ). In addition, the interest rate reduction should be applied retroactively, to XX/XX/2018. 

The amounts in question are one loan for XXXX ( Group A ) and {$26000.00} ( Group B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: MD

Complaint narrative:
On XX/XX/2021 at or around XXXX XXXX I got a phone call from Atlantic Recovery Systems from a guy named XXXX XXXX, when I answered he asked me was he speaking with XXXX XXXX I said yes, additionally asked if I received a paper from them I said no. How I know this is because I have i formed delivery that comes to my email everyday to see what I get In the mail. He then says the amount He then proceeds to say well youre getting free money from the government. I told him it wasnt free money and told him to do better. He said do better well Im trying to help you. He tried to guilt trip me he was very rude towards me. To top it off never gave me a chance to even set up anything instead said he was going to mark it down as if I stated I wasnt going to pay. Never verbally said anything of that nature. This guy harrassed me and talked super nasty toward me. If you look at the review on their page Im not the first one with this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NC

Complaint narrative:
I attached screenshots of my transaction with XOOM. 

I send money to my parents in the XXXX 2-3x a month. They need this money for their livelihood like food, bills, medication, etc. its their money from their retirement. They need it. 

My mom said she tried multiple different money remittance agencies and all told her that the transaction is Unauthorized. WWHAT?!! 

I used my XXXX XXXX credit card to send their money, but now they cant even get it. 

We live in very rough times ... Why is xoom doing this?! 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
I tried to get into my account in XXXX. I was blocked, after many attempts, I did get someone to tell be that my account was closed. I asked about the balance of {$10000.00}. Talked to many people at Schwab, some helpful, some hung up, but I found out that the account was closed, but not by me, middle of XX/XX/2021 with that balance, {$10000.00}. I did not close the account, nor did I receive that money. I did however, get a letter from Schwab dated, XX/XX/2021 with their checked attached, which was earlier than my correspondence with them, stating that the account is now closed per my request and enclosing a check in the amount off the closing balance, {$.00}. 

The letter and check is dated earlier than I started this entire situation. I have copies of all documentation regarding my complaint.

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 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Services has been attempting to collect a debt I am not even certain that I owe to THEM. 
They have called family members, and left personal information in the voicemails, as well as having nasty rude, impolite comments made. 
One lady told my XXXX yr old sister that I don't even live with, if SHE didn't give them a means to reach me, they would pursue legal action against her as well.. that may result in her being sentenced to jail time. 

I have had it. They know the proper course to take, all of my personal accounts have ALWAYS requested and optioned in for EMAIL me as my preferred contact method. 

Too many scam / con artists attempting to collect personal information, they don't give you any information about a debt unless you give up your own information first. NEVER GOING TO HAPPEN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC.
State: DC

Complaint narrative:
Access Group is incorrectly classifying a payment as late, when it occurred on the very month that my loans were transferred to another servicer. They are using it as an excuse to deny me a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Equifax regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Report Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I will add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOAN TO LEARN
State: NY

Complaint narrative:
In XXXX my son applied for a private student loan for {$15000.00}. I am the co-signer. Back then the original name of the lender was XXXX  XXXX XXXX XXXX XXXX then they were brought by Loan to Learn. The initial monthly payment was {$170.00} for the year XXXX through to XXXX all payments were made on time and we paid a total of {$21000.00}. In XX/XX/XXXX we missed one payment and Loan to Learn turned over the account to a XXXX XXXX, XXXX. I pleaded with Loan to Learn please don't garnished my salary or take me to court for just one late payment. XX/XX/XXXX my cries went unnoticed and I received an stipulation of settlement letter in the mail starting XXXX demanding me to accept their offer pay off the amount of {$22000.00} to pay {$270.00} per month until paid in full. For those two years ( XXXX and XXXX ) we paid another {$6400.00}. In XXXX, I called Mr. XXXX 's office and begged him to please reduce the amount to {$200.00} a month and he agreed. Since XXXX we been paying {$200.00} per month. As of today, we paid a total of {$39000.00}. Here comes the nightmare. On my credit report it states I'm XXXX delinquent and I owe {$15000.00} and I'm behind {$5000.00}. Since the incorrect information is on my report, and I'm currently unemployed, I'm unable to take out a home equity line of credit due to this information on my report. I spoke with Mr. XXXX regarding this and he told me he don't report payments made directly to him so where is this inaccurate information coming from? Please you are my last hope, I tried going to credit repair only to fined the information is always updated with this inaccuracy. I need someone to please take a look at my case and any help you can give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/2021, I made a bill payment through HSBC 's online banking platform to pay my credit card with XXXX  for my full statement balance of {$780.00}. As noted on HSBC 's website, they have a " {$0.00} Liability, Online Guarantee '' which states that " HSBC will bear the responsibility for any late payment related charges should an online bill payment arrive after its due date as long as you scheduled the transaction within five business days of the payment due date. " : XXXX XXXX XXXX I selected the soonest available date on the bill pay calendar, which was XX/XX/2021. The due date for my XXXX credit card was XX/XX/2021. The payment did not arrive to XXXX until XX/XX/2021. Because the payment arrived late, I was charged a {$29.00} late payment fee and {$25.00} interest charges by XXXX. I don't carry a balance on my XXXX  card over to the following month, so I wouldn't have had interest charges incur if the bill pay would've made the payment on time, as promised. I called HSBC 's customer service on XX/XX/2021 to inform them about the fees. The reference number for my HSBC case is XXXX. It has been over 3 weeks and HSBC refuses to refund me {$54.00} ( {$29.00} late fee plus {$25.00} in interest charges ). HSBC claims the payment did arrive to XXXX  on time but they can not provide a tracking number to confirm this claim.

Company response to consumer: Closed with explanation