vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : 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 2021-10-19 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:
This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2021-10-19 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: Credit Wise Recovery Solution LLC
State: FL

Complaint narrative:
In my credit report, show an account, it's not my, is XXXX  XXXX XXXX, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
NAVIENT is saddling me with exceedingly burdensome student debt through processing errors and inaccurate information. I was wrongly told I was on track for loan deferment only to later find out I did not meet certain requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I refinanced my home to get out of a terrible experience with prior loan " servicer '' .My refi is thru XXXX XXXX  XXXX-and came to realize THEY farm out their customer payments through Rushmore Loan Management XXXX XXXXSorry XXXX can't provide any real address.They have multiple po box es, so will supply their complaints box : XXXX XXXX XXXX XXXX, CA. XXXX complaint early into this process.I 've been down this rabbit hole before:1st-in attempting to work amicably w/this company ( realizing I may not understand their process ) -I was told simply to render payments closer to the due date.Briefly : there is no direct response, accountability or person to contact.I invite you to try! Virtually every # called is a minimum XXXX0-15 min.hold, with the standard, " leave your # and someone will call back '' .Problem? I have submitted 2 seperate mortgage payments ( XXXX due XXXX XXXX due XXXX ) through the USPS to their own po box .Coupons and instructions from statements per Rushmore 's requirements.Both times a principle curtailment got applied.Not the obvious mortgage payment in the amount due.Both times required several contacts to apply a reversal to their error -- -which, they in turn state can take 3 days to reflect.Rushmore is a debt collection agency.I work, am a veteran, and have chronic health issues.I am not willing to chase this company 's mistakes every month, bearing in mind their errors can severely and negatively impact my investment.If your agency can reach them, I want to know why they can not /will not apply the payments as directed by their own prorocol.It feels as if they're deliberately setting things up to throw my payments into delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
On XX/XX/2021, I received a collection letter from XXXX, XXXX,. on behalf of XXXX, for a bill of {$56.00} that I had never seen, threatening legal action if the amount was not paid in full. The letter was dated XX/XX/2021. I hold a XXXX  account and no such bill had ever materialized. After researching other consumers ' experiences with this, it seems such issues with XXXX and XXXX have happened in the past, including action with the CFPB. 

The letter gave me 30 days to dispute ; I payed the amount to stave off the collection agency while I contact and work with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We have account with the TD Bank for many years and we were always considering ( because of the TD Bank marketing and advertising ) that this bank is one of the big and serious banks in US ( knowing that it is a originally XXXX bank ). So far we didnt have any problem with TD Bank XXXX Until XX/XX/2021. 

On XX/XX/2021 we went in person to TD Bank branch located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, to request to make an international wire transfer of XXXX Euro from our personal TD Bank account to an escrow account of Spanish Attorney in XXXX ( Bank XXXX ) to complete a purchase of our apartment in XXXX. 

TD Bank charged us a transfer fee of {$50.00}. Other banks are charging much less for international transfers. It is expensive, but lets say that is is reasonable. Then TD Bank asked to pay a fee of {$17.00}, that is supposed a fee that is charging XXXX Bank for receiving a money transfer. Let 's say that is is reasonable as well. In the end it was not true, because the Bank XXXX asked through the XXXX Attorney for much more money after the transaction completed. 

TD Bank charged us {$91000.00} for the money exchange + {$50.00} fee + {$17.00} fee. 

Two days later we decided to consult other two banks where we have a personal accounts with and asked them how much would cost us to do the same with them, to our big surprise, both banks told us that we would pay around of {$88000.00}. 

We were in shock to realize that TD Bank stolen from us close to {$3000.00}. 

TD Bank is publishing online that they have an exchange rates that are on par with other banks and that is not true. How you can charge a customer close to {$3000.00} more that any other American bank without disclosing something like that to the customer? We would never in millions year imagine that TD Bank can do something like that knowing that they are charging crazy high exchange fees in comparison to another US banksXXXX Bank never disclosed that the TD Bank has limited licenses for many activities and is using another American bank to do some transactions. 

We were trying to contact the branch manager. Assistant manager of the branch informed us that the branch manager is not available and that she can not help us anyway. She offered us to refund {$50.00} fee??? She told us that TD Bank used the XXXX  XXXX XXXX XXXX to do our transaction. 

Wire transfer info : Date : XX/XX/2021 Sender reference : XXXX Beneficiary : XXXX XXXX XXXX, XXXX Bank to bank info fields : XXXX Real estate settlement buying an apartment XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX, XXXX, IN XXXX and Guaranteed Rate mortgage / XXXX XXXX  Company 1 corporate XXXX XXXX XXXX XXXX, ILL XXXX. 

The first problem is with Guaranteed Rate / XXXX  XXXX. I was never late with my XXXX payment which the center of all those follow on problems that have occur. 
Fact 1. Mail first payment to XXXX XXXX  at 1 corporate XXXX XXXX XXXX XXXX, ILL XXXX, XXXX of XXXX 2021, the mortgage payment was paid out of my checking account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX The first payment was on time and not late. 

Secondly, I was placed in a forebearance plan in XXXX until the disputes over mortgage payments could be resolved. 

Thirdly, the transfer team at Guaranteed Rate during the forebearance period charge me $ XXXX in XX/XX/2021 and XX/XX/2021 just before they transfer the loan to XXXX XXXX  XXXX I should not have been charged during the forebearance period. I need a customer service person from Guaranteed Rate or XXXX XXXX  to contact XXXX XXXX  with documentation stating those charges are removed and refund XXXX XXXX. XXXX Mortgage Fax : XXXX XXXX XXXX. 

Fourthly, the $ XXXX dollars should not have been charged to my account and XXXX XXXX  needs to refund me back my $ XXXX dollars immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I was notified of my bank account being shut down within the letter it says date of deposit XX/XX/XXXX {$5700.00} was deposited date available for that amount was XX/XX/XXXX it was a whole put on the check this is a check that I did not know about. And this was my business account that this happened to

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 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My vehicle was involved in a flood a natural disaster. I had my vehicle financed. I had insurance as well as gap insurance. I was told by Credit Acceptance on 2 separate occasions that nothing would be owed on my end only to for them to mark me as late on a debt that was supposed to be cleared. They mark me late every month on loan that I know longer have and it has literally killed my credit. They have not closed the loan out at all like they should have and it has been over a year now.

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 2021-10-19 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NY

Complaint narrative:
This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.

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 2021-10-19 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: NY

Complaint narrative:
This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.

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 2021-10-19 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: NY

Complaint narrative:
This collection agency ( eastern account systems ) is attempting to collect a debt from XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ DATA, a collection agency for XXXX XXXX XXXX has posted a debt collection entry on my credit bureau. 
I do NOT owe this debt! 
I was given a notice in XX/XX/2021 that my lease would not be renewed by the property management company so I moved out in XX/XX/2021 and they are charging me for a lease break fee since my lease initially ended in XXXX and also one months rent. I do NOT owe these funds and I would like this removed from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
made a reservation thru Chase XXXX travel for a flight on XX/XX/2021. I then changed the date to XX/XX/2021 and was charged and was charged another XXXX on XX/XX/2021. The flight was going to be a transfer to XXXX. I called a few days later and found out that it was not going to be time to get luggage and transfer, and that my name was not correct on the ticket. THEY HAD A WEEK TO CORRECT THIS. THERE WAS NO ONE TO SPEAK WITH AT TAP. THERE IS NO PHONE NUMBER. I WAS ON THE PHONE WITH CHASE XXXX  UPWARDS OF 3 HOURS ON NUMEREROUS OCCASIONS. I HAD TO BUY A NEW FLIGHT WITH XXXX XXXX. I am still being charged for both of these tickets, the ones purchased thru TAP. IT IS CRIMINAL AND THEY KNOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: M.L. Zager P.C.
State: NY

Complaint narrative:
ML Zager keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX  which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX  which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
When I moved out of XXXX XXXX  in XXXX of 2019 they sent me a bill after the fact for {$110.00}. I immediately contacted them and requested an itemized invoice and proof of the debt since I had cleaned the apartment and I took pictures of everything. I never received anything from them to prove the validity of the debt. 
They then sent it to Genesis Debt Management who contacted me on multiple occasions and I forwarded them the email contacts I had with the originator and requested that they send me an itemized invoice. Again I never received anything. 
They did not respond and then about every six months it seems like someone new sends a letter from Genesis. 
I send them the same information and request each time for them to provide proof of the debt which I still have not received to date. 
Now they have put this on my credit report and I am at my wits end with it. 
I have filed a report with the better business bureau also and will be contacting a lawyer to see what my rights are should I need to file suite against them. 
Your help in getting this resolved immediately is very much appreciated.

Company response to consumer: Closed with explanation