vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
I started service with XXXX in XXXX of XXXX and by XXXX they were already overcharging and services were not working so I canceled the internet and resumed service with the home security. They continued to overcharge and services were still not working properly so I told them if they did not correct the bill and fix the service issues I would not be moving forward. They did not do either so I requested the services to be disconnected. They instead disconnected for non-payment and then billed me for equipment charges and service charges ( although the services were not working and there are daily chat transcripts showing this ). I noticed today that there was a collection account on my credit report asking for the service charges and for equipment charges and the company has had the equipment in their possession. I was told by a customer service representative that the {$500.00} in installation charges for the security equipment are considered early termination fees and that I still have to pay for the equipment although the equipment has been returned to them. He also stated I signed this in the contract when service was started on XX/XX/XXXX and when the service was changed on XX/XX/XXXX. I read the agreement and nothing in there states that I have an ETF of any sort if the service is disconnected nor does it state that I am liable for continued equipment charges. I asked to speak with a manager or their legal team to discuss the contract that I signed and I was placed on hold for over 30 mins and no one has yet to come back to the line. I am actually typing this complaint as I sit on hold for the representative. They have now disconnected the line. I dialed in at XXXX XXXX eastern today XX/XX/XXXX, and the total call was for 41 mins.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent various dispute letters to the credit bureaus, with no response and all 3 have disregarded the law by not responding to the disputes and hopefully this will be the last 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 2020-03-18 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
IN XX/XX/XXXX I FILED BANKRUPTCY AND INCLUDED THIS DEBT NAVIENT WAS ON THE CREDITOR 'S LIST NAVIENT FAILED TO REPORT THE DEBT TO US TREASURY SINCE XX/XX/XXXX I NEVER REAFFIRMED THE DEBT NOW IN XX/XX/XXXX PAYMENTS ARE TAKEN OUT OF MY SOCIAL SECURITY NOW DEBT SHOW XXXX BALANCE ON NAVIENT WEBSITE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: MS

Complaint narrative:
On XX/XX/2020 I sent Transunion a dispute letter letting them known that they have several things reporting incorrectly on my credit report. The errors that I found : Wrong creditor listed, the open date has been changed in an attempt to re-age the account, statue of limitation has expired on the debt, and the date of last activity is incorrect. They show that XXXX XXXX has the account but i received a letter from a company named XXXX XXXX, stating they have the account. I would like to file a formal compliant on Transunion. They did not do a proper investigation on this account. Transunion is still reporting inaccurate information on my credit file. Below I have attached a copy of what I was sent from the creditor when I tried to validate the account. And I have attached the last dispute letter I sent Transunion along with a screen shot of how transunion is still reporting this account as XXXX XXXX as the holder of the 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 2020-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
Back in XX/XX/XXXX, my account, which is shared with my husband, had one last payment on a zero APR promissory note provided by RI Housing. The account was set up to draw out {$95.00} a month for autopay from my checking account. There was a {$25.00} balance left on the account, which the {$95.00} would have covered the last payment. Due to the last payment, RIHousing turned off the autopay and did not make us aware of this fact. We received our past due statement after the due date of the following month. 

It two months and numerous calls for them to figure out that it was their fault and me threatening to contact the CFPB. They stated they would fix our credit reporting and could only accept check due to their bank error. 

They fixed two of the three major bureaus ( not sure about the 4th one, because we are unable to see that in our annual free credit report ). We are showing a 30 day past due on XXXX   reporting. We need this to be fixed. 

I contacted them again on XX/XX/XXXX, because I was made aware that we have a derogatory mark from them. This has been effecting our credit this whole year and it was their fault, which they agreed and stated would correct, and now knowing has given us lower scores and higher rates. I called again on XX/XX/XXXX, and was told that they are closed to the end of the month, except for one guy and the receptionist. I left another message for XXXX XXXX. 

This needs to be fixed by them and asap. This should have been taken care of a year ago. There is no reason why they shouldn't have fixed all three credit bureaus and is unacceptable.

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 2020-03-18 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2020-03-18 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: SC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Original Card with XXXX XXXX. 
Perfect payment record until I was victim of business fraud. 
I missed about 7 payments in a row and my debt was given to XXXX XXXX who contacted me. After describing my situation an agreement was made to make {$50.00} payments monthly until debt on card was paid with no interest added. We set up an automatic draft and the {$50.00} payments came out each month as agreed for a full year. 
When the automatic drafts stopped I assumed the debt was paid. The last payment came out in XXXX of XXXX. 
In mid XXXX of XXXX my credit score suddenly DROPPED by over 20 points and when a " collections '' account was added under the name of Midland Funding. When I researched I found it to be the same XXXX XXXX Account! I've called almost daily. I've written letters. I've spoken with people who all agree that I had an agreement with XXXX XXXX and that THEY stopped taking out the payments and that Midland is an umbrella company for XXXX XXXX. NO ONE has given me an explanation for what they have done. It has ruined my progress for repairing my credit after a horrible fraud situation and they are NOT fixing the situation. They say I owe {$1400.00} and can pay them in full now ... or in 2 payments. No explanation of what has been done with the {$50.00} payments I've been making or how they just threw away the agreement - and reported me as in collections with no explanation, letter, phone call, etc. The original agreement is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I recently received verification for my account, in which it stated Santander Consumer sent out the right to redeem, notice of sale, and post sale notices. In the past, I do not remember receiving those documents. I have asked to be provided with the certified tracking information as proof that I signed and received those documents. Due to the inability to prove that the documents were received, I request that this account be deleted, as it is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: CA

Complaint narrative:
I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account. 
ERC Keep re-again this account, this is also affecting my credit score. 

Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX CFPB XXXX XXXX. RESPONSE USAA CONFIRMS XX/XX/XXXX XX/XX/XXXX numerous temporary credits. 
What is NOT REPORTED IS TRUTH TEMPORARY CREDITS ** NEVER MADE PERMANET*** XXXX XXXX USAA rep CONFIRMS USAA HELD ME THE CONSUMER LIABLE FOR THIS {$470.00} FRAUD REPORTED XX/XX/XXXX. See attatched CREDIT CARD FRAUD CLAIM date XX/XX/XXXX ONLY THE BALANCE OF STATEMENT {$470.00} WAS REPORTED FRAUD BY ME. ** XX/XX/XXXX USAA CFPB RESPONSE HELD ME LIABLE FOR THE {$470.00} FROM XX/XX/XXXX Then ( month later ) XX/XX/XXXX USAA SENDS FRAUD CLAIM LETTER XX/XX/XXXX ( CREDITS MADE PERMANET ) viewing XX/XX/XXXX STATEMENT, CLEARLY USAA CREDITS NEVER MADE PERMANET EVER. XX/XX/XXXX STATEMENT AS CONFIRMED BY XXXX XXXX CONFIRMS ONLY CREDITS XX/XX/XXXX WERE MERCHANTS {$340.00}. USAA PLACED REVERSALS OF TEMPORARY CREDITS. {$340.00} NEVER GIVEN XXXX XXXX XXXX, XXXX see XX/XX/XXXX STATEMENT. 
USAA HAS NEVER PROVIDED PERMANET CREDITS & TEMPORARY CREDITS of the {$340.00} WERE NEVER GIVEN XX/XX/XXXX TO REVERSE XX/XX/XXXX & XX/XX/XXXX the entire transactions are back on the card AS NEW CHARGES??? XX/XX/XXXX, XX/XX/XXXX = {$810.00} ( USAA ADMITS THEY HELD ME LIABLE FOR {$470.00} UNAUTHORIZED TRANSACTIONS????? XX/XX/XXXX ) XX/XX/XXXX TO CFPB AND THEN ** XX/XX/XXXX CREDITS MADE PERMANT.??? CAN NOT BE BOOTH THERE ARE NO USSA CREDITS EVER. Internal hidden credits are UNACCEPTABLE. This is over two years later. Where are all of my INTERNAL HIDDEN fraud  credits????? USAA DESTROYED MY CREDIT!!!! USAA LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS AND IT IS CONFIRMED BY USAA XX/XX/XXXX TO CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation