vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I've been in touch over the past few months with the credit bureaus in regards to accounts appearing on my file that were established with my consent. Transunion continues to report fraudulent account ( s ) ( XXXX XXXX ) which was included in my identity theft report. For some reason this account still remains on my credit file without any accurate verification as per required from the Fair Credit Report Act not to mention it has been well beyond over 30 days. I have yet to have receive documentation form Transunion obligating me to the account mentioned above. I find this as a complete violation of the FCRA and my consumer rights. This account should have been blocked within 4 days of receiving my dispute. Transunion must adhere and be held accountable for their actions.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This is not a duplicate. 

I received a letter from TD Bank dated XX/XX/2020 " We're writing today to let you know your TD Credit Card account is past due. '' As I don't have a credit card with TD Bank, I ignored the letter. I'm concerned that TD may have wrongly reported negative information to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
Over the past several months, I've been in touch with Equifax in regards to several fraudulent accounts reporting on my credit file that were established without my consent. The account ( XXXX XXXX XXXX XXXX XXXX  XXXX ) for some reason still remains on my file from Equifax. This account was clearly included in my FTC report from the Federal Trade Commission. Equifax has not provided any accurate verification in regards to this account and it has been over 30 days without yet a response. Under the FCRA Equifax must abide or adhere to by removing this account promptly from my credit file. Equifax still continues to report addresses on my credit file I've never been associated with as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: GA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX I went to a XXXX office and obtained a loan for XXXX work. At the time of my visit I explained to my doctor that I got paid on the XXXX of each month. I received my first bill from Comenity Capital Bank on behalf of XXXX XXXX XXXX XXXX. My first bill had a due date of XXXX and a minimum payment of {$200.00}, during my initial call with their office on XX/XX/XXXX, I spoke with XXXX ( XXXX ID ) and attempted to get clarification of their late charge calculation or how/when it would be imposed. During the call the representative was unable to explain how a late charge is calculated or advise if there is a grace period. I spoke to XXXX ( XXXX ID ) on XXXX @ XXXX XXXX., in an attempt to get more clarification how they are calculating a late charge on my account. I was advised my billing statement would provide the details, I advised the representative that the billing statement indicates " If we do not receive your minimum payment by XX/XX/XXXX you may have to pay up to a {$40.00} late fee '', no where on that statement does it provide the calculation for a late charge. At that time I advised the representative I wanted to take care of the account and remain in good standing, I asked her what the amount due was, XXXX advised {$400.00} ( XXXX & XXXX ), I scheduled the payment over the phone. Before hanging up I asked if we were good, meaning no outstanding fees, I was advised that there was a {$29.00} late fee that would remain on the account. I asked why was this not advised when I requested to schedule my payment so that I would take care of it at the time of my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have had two student loans with Navient ( used to be Sallie Mae ) since XXXX. Per the contract terms the payments and due dates were to remain the same. I have been paying these loans since I graduated in XXXX. I took 1 deferment during a layoff. However, two things happened that Navient did without my knowledge or consent. On XX/XX/XXXX they changed the due date on one of the loans ( the higher payment one ). Thus, making it late every month. They also changed my mailing address. I never asked for any mailing address change. The only way I even knew about any of these delinquencies or the address change ( XX/XX/XXXX ) was when I logged into my account to print out tax information. I did not report an address change with the post office or anyone else. In fact, I have lived at the same address since the day I was born. This is infuriating. Now today I received a letter ( forwarded somehow because the address is still wrong ) from XXXX XXXX XXXX XXXX XXXX  telling me Navient reported my loan in default! When I attempted to call the number on the letter a recording states that they are busy handling COVID issues and to go to the website for CARES act info. I have tried to resolve this with Navient and have used the email option so I would have a record of my actions. They refused to do anything to rectify their actions. This is not the first time I've issues with Navient. I also had issues with them refusing to change my name. I have been married since XX/XX/XXXX. They still have my maiden name on the loan ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: GA

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: GA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a notice of bank levy from XXXX XXXX XXXX as trustee regarding a default judgment or guarantor of XXXX XXXX XXXX installment loan. No dates are listed in the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: GA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
I have been affected by COVID19 21st mortgage will not waive late fees or deferr payments. 

They are invasive, abusive, rude and judgemental. Its impossible to even speak with them because they ask questions outside the realm of COVID19 This is under the Estate of XXXX XXXX XXXX not my personal mortgage. 

I paid XXXX and XXXX payments when I received my retroactive unemployment my job is affected and I have other bills to pay. Under the CARES Act they are supposed to defer for the estate and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vanguard Financial Services, Inc.
State: OH

Complaint narrative:
I received a bill dated XX/XX/XXXX saying I owed XXXX XXXX XXXX XXXX XXXX {$19.00}. I called XXXX XXXX XXXX billing department on XX/XX/XXXX and they informed me that the bill was paid back in XX/XX/XXXX and that I owed nothing and had a XXXX balance on the account. I then called the XXXX phone number listed on the bill and they also agreed that I had a XXXX balance and that I should not have received the letter. 
On XX/XX/XXXX I received a letter from Vanguard Financial Services , Inc in XXXX, WV dated for XX/XX/XXXX saying that they were a debt collector trying to collect this same debt that XXXX XXXX XXXX XXXX XXXX already told me I had paid. I called both phone numbers listed on the letter ( XXXX and XXXX ) on XXXX and left messages both times giving them my information and telling them that I had paid the debt and that I had proof of debt payment. They never returned my calls. 
I called XXXX XXXX XXXX XXXX XXXX again on XXXX and again I was told that I owed XXXX dollars and that this company should not be trying to collect this debt. I called both phone numbers listed on the Vanguard Financial Services, Inc letter ( XXXX and XXXX ) on XXXX and both numbers rang repeatedly until an automated system said it could not transfer my call and hung up on me. I never pushed any buttons to be transferred, it simply ended the call. 
I XXXX Vanguard Financial Services, Inc in XXXX, WV and they have an " F '' rating with the XXXX  with many unresolved complaints. I am beginning to wonder if this is an actual debt collector or if it is some type of scam. Most of the complaints on the XXXX site say that they have repeated issues with this company placing debts against their credit and that they are constantly fighting this company over debts they do not owe. I do not want this false debt to impact my credit. I have phone records and a copy of the check that XXXX XXXX 's deposited showing I paid the debt in XX/XX/XXXX. XXXX XXXX 's is mailing, me a statement showing that it has been paid and that I owe XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a notice from Portfolio Recover Associates who claim I owed them and the original creditor was supposedly XXXX  XXXX XXXX. The account number listed is XXXX. I have never received any communication from PRA as it may have gone to my parents address and was not forwarded properly. I would like PRA to provide me documentation pertinent to this debt and if owed would offer a settlement off of {$200.00} as I am not in an employed at the moment. I dont honestly think I owe but am destitute at moment. Please provide me any documentation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-05-07 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-05-07 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: GA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 60-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
I activated a cell phone with XXXX. They assigned a number to me that was previously used by someone else. I have only given this new number out to one person : so anyone calling me is actually trying to reach the previous owner or is calling numbers sequentially or at random. Sequium has called several times, the most recent being XXXX at XXXX XXXX and XXXX at XXXX XXXX. They have been clearly informed that I am not the person they are trying to reach, but they continue to call. The telephone numbers shown by collar ID are XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: WV

Complaint narrative:
this company contacted me saying iowed a power bill from 5 years ago.so i said ok send me verification and they did, so then i asked for a settlement after i recevied the verification letter and they agree to cut it in half.so i asked the company to send me a letter stating that it was a payoff and if i payed the amount i would be free of the debt.i in turn said i do not want this against my credit so i need this resolved before it does.the company said i would recieve the letter in less than 14 days and that i had time to pay the debt before it was turned in.i called this company 3 times within a month asking for the letter or an email stating that if i paid the payoff balance that the debt was clear and no further action would be taken. well they said there system was messed is why i never recieved a letter i also gave my email address they never sent me an email so i called them today and they said that they had an error is why i never received the letter and thqat they reported me to the credit bureau they said i had to have a checking and router number on file to keep it out of collections.

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