vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I received a letter in the mail dated XX/XX/XXXX from Rent Recovery Solutions Llc stating I owed a debt to an apartment complex XXXX XXXX where I previously lived XX/XX/XXXX. This was the second company contacting me about this debt. The first company sent a letter on XX/XX/XXXX. My attorney called Rent Recovery Solutions to verify what was being collected. The operations manager forwarded a few documents which show to be doctored or fraudulently produced due to my attorney and myself already having the original documents that were sent to us by the original collection company. Also, we verified that Rent Recovery Solutions llc was hired by XXXX XXXX. We explained to them that the debt they were trying to collect on was paid to XXXX XXXX XX/XX/XXXX by XXXX ( XXXX XXXX ) the insurance company and this account has to be recalled ( cancelled ) and further collection is considered fraud. We have made several attempts to reach the operations manager to verify collection on this paid debt has ceased but she has not returned any calls nor has she stopped collection activity. Also, XXXX XXXX did not notify me about anything owed. The first notice I received was from the first collection company XX/XX/XXXX. According to the property code of Tx an itemized notice of debt owed should be sent within 30 days. No such notice was received. A walkthrough was done with the office manager and she declared everything was fine. The Apartment complex submitted a fraudelent claim to the insurance company XXXX and was paid. 
Moved out : XX/XX/XXXX Claim submitted : XX/XX/XXXX Claim Paid : XX/XX/XXXX Insurance Collection : XX/XX/XXXX XXXX XXXX fraudelent debt to RRS llc : XX/XX/XXXX Notice sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit file. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: OR

Complaint narrative:
I've tried to make payments other than the monthly amount to pay down the principle amount on the loan and yet they still ( annex ) the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I obtained an creditbuilder loan from MoneyLion.com XX/XX/2020 which I paid off in full XX/XX/2020 in the amount of {$500.00}. The loan consisted of me being approved for {$500.00}, but only able to receive {$120.00} due to {$370.00} being held in escrow until the initial {$500.00} is paid back. then theyre suppose to release the {$370.00} credit reserve account immediately after loan is repaid into my MoneyLion checking account on XX/XX/2020. This did not happen because they stated my MoneyLion membership was suspended due to me owing {$9.00}, so that means they still get to hold my funds and not release them until the membership fees are paid. This is not right when membership fees can be deducted from funds which they already have that fully belongs to me. This is a stall tactic and these people need to be penalized and not able to perform these types of business practices in the USA without providing fair and legal protocols. They told me I still wouldnt have access to my funds until 5 business days after membership payment is paid, and another 5 business days until funds would appear in my checking account. This is totally unacceptable a stall tactic in order for these XXXX  people to take extra funds from me in regards to membership fees in the amount of {$9.00} every 2 weeks until the membership is canceled. They need to be stopped and put under a microscope by proper authorities. Please check reviews from other customers online about these people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a check from XXXX XXXX XXXX in the amount of XXXX and I did a mobile deposit online and I had very little amount of money available for use and I called Citibank checking account and see if they can speed up the process or call XXXX XXXX on three way to verify the funds but they refused and told me I need to go to the branch and there is no branch in Texas and I was told I need to wait 3 business days for the money to be cleared and but if Citi look at my previous deposits I did in the past I had those checks clear without any problems or no check returns at all ... now that money is on hold I have to wait three business days which I hate to do and Im considering closing my account in XX/XX/2020 cause deposit process takes too long and Im angry over this ....

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 2020-02-11 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransuUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2019 Capital One Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to Capital One which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX and XXXX. These reported late payments should not be reported to my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: KY

Complaint narrative:
On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus Equifax and XXXX. These reported late payments should not be reported to my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: KY

Complaint narrative:
On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX  and Experian. These reported late payments should not be reported to my closed 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 2020-02-11 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 — Was not notified of investigation status or results
Company: Sequium Asset Solutions, LLC
State: AE

Complaint narrative:
I moved to XXXX in XX/XX/XXXX to support the US Military as a XXXX. I received notification from my credit monitoring service in XX/XX/XXXX while preparing to purchase a car that Sequim Asset Solution, LLC entered a collection on XX/XX/XXXX for XXXX XXXX XXXX. 

I never had an account with XXXX XXXX XXXX and had no prior knowledge of Sequim Asset Solutions attempting to collect on a debt. I have an account with XXXX that has been in dispute after damage to my property occurred by their installation crew in XX/XX/XXXX that they never took care of ). 

So - I sent Sequim an email with a copy of the Certified Letter disputing the account and requesting information so I can proceed accordingly. I cited both the FDCPA and FCRA in my letter and requested information on the item and that they intiate an investigation IAW the FDCPA and FCRA. 

My letter was the 'Initial Contact '. In my letter I requested Sequim Asset Solutions, LLC to provide all information as required by FDCPA. I also requested that the information be treated as a disputed and demanded that it be removed from my credit report if not validated. By Law - Sequim had 5 days to provide me the information I requested. By Law - they had an additional 25 days to complete an investigation and provide me the results and/or remove the information from my credit report ... 

I have called multiple times since XX/XX/XXXX - the day they received my Certified Letter. In each instance I have received the run around and have been told they do not have access to my letter nor any validation. I was actually told by a manager from their  company - XX/XX/XXXX that Sequim ( itself ) does not have to send me a validation and that by putting remarks in my credit report that it is disputed - that they have complied with the laws ... 

Nearly 3 months has passed. Sequim Asset Solutions has failed to comply with FDCPA Part 809 - 'Validation of Debts ' and FCRA Part 660.4 - 'Direct Disputes '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.
State: NY

Complaint narrative:
has contacted my employer, including calling my place of employment during after hours and speaking to our answering service

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a credit card for Bank of Americas I. The mail which I never signed up for. When I called to inquire, possibly being a victim of identity theft, their automated system was no help. In fact, I believe they took my call as an activation call and activated the card. Again, I never signed up or have never signed up for a BOA card and have since cut it up and discarded it into the trash. But, I dont want my credit score affected by this!

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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Commonwealth Finance Opened XX/XX/2019 + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX. I'm a XXXX veteran and my health care is paid by Va. this fee that's being charged on my credit was for hospital services in which everyone else involved got paid. The hospital was paid and other specialist. They didn't bill Va in timely manner or correctly that's why they weren't paid. Instead of dealing with the Va they waited several years later and put on my credit report. I was told this happens to veterans all the time and was illegal. I've called several times and was given the run around even had VA to contact them. The have damaged my credit and have yet to provide me with the invoice to what the charges are and as I stated earlier it's against the law to bill veterans for a Va covered service especially years later. One rep told me she could see the Va billing info on  form but it was scratched out that's the reason they put it on my credit report without notifying me. I don't thinks that's how it should have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, i applied for loan online. I later found out that the company wasnt real and they had made Fraudulent claims with the bank. The bank applied a XXXX credit to the account & the fake loan company took XXXX. I reported this to the bank on XX/XX/XXXX. Ive been calling since then to get a update on my account and everytime i call they say i have to wait 10 business days. I cant use my debit card, make deposit or withdraw from the account. The bank security department has the the account frozen. They never want to update me with whats going on. When i ask to speak with the department whos handling my case they never put me on the phone with them. They tell me wait 10 business days. Its my account and i should have the right to stay updated on whats going on seeing as tho this is where all my funds go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: MA

Complaint narrative:
The credit limit on the XXXX/XXXX XXXX account on my credit report is not listed please provide this. If it cant be provided delete 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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute with EQUIFAX to remove incorrect addresses from my credit report. The results of the dispute, dated XX/XX/2020 ( confirmation # XXXX ) were the addresses would be deleted. However, after viewing my report online ( XX/XX/2020 ) the  addresses are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Mailed XXXX mortgage payment to Homepoint Financial. Payment was cashed XX/XX/XXXX, however online my account said Paymwnt Complete {$0.00} instead of XXXX which was the regular payment. I began calling and finally around the XXXX Homepoint located my payment- it had been applied to another customer 's account on accident. I was told it would be corrected within 24 hrs. XX/XX/XXXX it still had not been corrected, spoke with a manager XXXX, he assured me he would get with the director and correct it. XX/XX/XXXX I made my XXXX payment but it was applied to XXXX because they still had not corrected my XXXX payment. Calling daily. Managers never call back. XX/XX/XXXX and payment still has mor be corrected and now I see it has been put ad a missed payment on my credit reports. As well, I am paying interest daily on that money. Can not get any resolution from Homepoint Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Capital One XXXX XXXX XXXX XXXX XX/XX/2019 etc I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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