vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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 have filed a CFPB complaint regarding this issue previously in XXXX of XXXX, but I now have further evidence which supports my claims. 

There is an inaccurate Bankruptcy being listed on my credit reports which I have been disputing since XXXX of XXXX. XXXX  did remove the account but TransUnion and XXXX  still have it listed on my credit reports. 

I confirmed with the bankruptcy court that they do not report anything nor verify anything as accurate with the bureaus ( see confirmation attached ). Once I told XXXX  this, they claim they verified the bankruptcy as accurate through XXXX. XXXX currently has a security freeze placed on my consumer report so they are not sharing information with the bureaus, so I determined this to be a lie from XXXX. Regardless, I alerted XXXX that they had the bankruptcy placed on my account in error. They initiated an investigation and alerted me it was being removed because it could NOT be verified as accurate ( See their letter attached ). 

I provided this new evidence to both TransUnion and XXXX  on XX/XX/XXXX and neither have removed the account still. They are violating the FCRA by allowing this incorrect account to persist on my report and this needs to be addressed as soon as possible.

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 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I spoke with a representative of the company back in XX/XX/XXXX via phone. I instructed the employee to submit a letter with the debt they are claiming I owe. The employee of IQ international stated that she would send out the letter, however she never did. In XX/XX/XXXX, I received noticed that this debt was added to my credit file and I immediately called the company only to be hung up on by one of their Managers. I have sent a certified letter to the company giving them 30 days to respond as the law requires. As of today, XX/XX/XXXX no response as be received from this company and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ON XX/XX/2021, PRIOR TO MY BILL DUE DATE TO PAY THE ACCOUNT BALANCE. 

ON XX/XX/2021, I FOUND OUT I COULD NOT USE MY ACCOUNT BECAUSE THE BILL PAY WAS NOT PERFORMED. THEY SAID THAT I COULD MAKE THE PAYMENT OVER THE PHONE AND GAVE THEM MY ACCOUNT INFO TO PAY THE BILL. 

I CALLED AND SPENT OVER 3 HOURS DEALING WITH CUSTOMER SERVICE IN ORDER TO FIX THE ISSUE WITH USE OF THE CARD. 

I SPOKE TO XXXX XXXX ( XXXX ) AND XXXX XXXX ( XXXX ) AND SEVERAL OTHERS TO FIX THE ISSUE AND THE BILLPAY BUT THEY SAID THAT THEY WILL NOT BE ABLE TO WAIVE THE FEE AND INTEREST. 

I FEEL THAT THEY PURPOSELY CREATE THIS AUTOPAY IN ORDER TO CAUSE PEOPLE TO PAY INTEREST AND CHARGES. THIS IS ABSOLUTE FRAUD.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AK

Complaint narrative:
On XX/XX/XXXX, I attempted to utilize my Credit Karma Spend Debit card in the amount of {$260.00}, knowing I had a balance of over {$1000.00} and was shocked to see that the transaction had been declined. I called Credit Karma on XX/XX/XXXX to inquire as to why it was declined and was told that my account had been frozen, but they couldn't give me any details and would open a ticket. An email was sent with a case number XXXX. I have since called every day, provided required documentation ( bank statements from outside linked account, and copy of driver 's license ) yet my account remains frozen with zero explanation. I have searched online and found there are hundreds if not thousands of other innocent folks with the exact same issue with Credit Karma Spend. In the meantime, I have gone deep into the red within my linked account as I can't transfer money to cover auto bills. I am extremely infuriated that no one can tell me why my account has been frozen, I am transferred every time to a call center in XXXX ( no offense to anyone, just stating facts ) and they just keep telling me they'll 'escalate ' my case, but to this date, my account remains frozen. To not tell me why my account is frozen, not unfreeze my funds and keep passing me on to the next person is enraging and seems 100 % illegal. Please, PLEASE help me get our money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
I received a letter from Frontline Assets Strategies threatening to report an amount of {$34.00} which they claim I owe to credit reporting agencies. That amount is incorrect! I owe much less than that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: NV

Complaint narrative:
RMP XXXX XXXX a XXXX XXXX company tried to collect a debt of {$76.00} from a service date of XX/XX/XXXX. They have called multiple times and on XX/XX/XXXX stated that I owed this amount. I then called the location that they told me the debt had accrued and they told me that I do not have any outstanding balances. I called and confirmed multiple times. They do not even have the accurate account number that is associated with it. 
Contact addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They also stated that they have offices in XXXX, NC. I could not find an address for that. They keep calling me even though I have told them the location that the debt accrued at has no balance and that it is not in collections. They have not referred me at any time for debt collection. Here is the website that I was given https : //www.receivemorermp.com/contact/ as well as pay.rmpone.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
i am receiving XXXX care through the XXXX XXXX XXXX XXXX for which they bill me after they have been reimbursed by XXXX and XXXX supplement programs. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they have billed me {$320.00}, {$100.00}, {$280.00}, and {$110.00} respectively for services rendered. I have paid XXXX XXXX XXXX XXXX each of those amounts by checks # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX, respectively. 

XXXX XXXX XXXX XXXX now claims that {$510.00} of the billed amount remains unpaid and has referred that amount for collection. 

This is in error and I suspect fraud. No effort to clear this matter by talking directly with XXXX XXXX XXXX XXXX has bee effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I purchase a 2013 used XXXX XXXX at XXXX XXXX, in XXXX, Connecticut. 
It was advertise for {$16000.00} and no where did it stated that the sale was as is. 
I gave them {$10000.00} in cash and needed {$6000.00}, so they set it up with Santander Consumer USA because my credit is not perfect. 
After a few months of owning the vehicles I took it for a service call because the service warning came on ; and I had been driving the vehicle less than 5 months. 
I was then told that there was a " Steering Wheel '' re-call which XXXX XXXX had not even taken care of before they sold me the vehicle. 
Thank, God that i was not involved in an accident for my grandchildren had been with me a few times in the vehicle. 
A few weeks ago I received the surprise of my life when I called and spoke to one of their representatives at Santander Consumer USA, and the young lady who was assisting me stated that I still owe {$31000.00} on my loan. I asked that she explain how Santander Consumer USA arrive at that balance and she could not explain it to me, I got so frustrated that I got the conversation short and hung up. 
I am still trying to figure out : How does a {$6000.00} loan end up at over {$31000.00} balance still owe? 
In advance thank you for any assistance that you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
This debt does not belong to me ... XXXX XXXX  XXXX along with the credit reporting agencies are violating my rights as a consumer by furnishing information that is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX filed a collection and didn't bother to contact me about it still showing due in their records. Hospital service was rendered on XXXX to XXXX XXXX Itemization attached ). I had specifically told them when I was there that I was travelling, so always contact me by phone or email if there are any questions or problems. On XXXX I received and paid the invoice from their billing service XXXX XXXX XXXX XXXX XXXX ) ( Copies attached XXXX. So I archived everything, thinking it was all taken care of. 
On XXXX XXXX notified me that a collection filing was reported to the credit bureaus, so I called the hospital and asked what the XXXX was going on. Upon investigation, we found out that the amount I paid for them was applied to ANOTHER bill within the same hospital group. I complained vigorously to XXXX XXXX that they never bothered to call me, email me, or invoice me themselves and they had the information to do that. They said they dont normally do that. WHAT? REALLY? Instead, they did nothing except give it to a collection agent after a number of months. Typical medical billing incompetency. However, I paid them again on XXXX the balance that they still showed due ( Copy Attached ) and then tracked down and cleared up the miss-payment to the wrong account later. 
At that time, I told them that the lag time and the miss-payment was THEIR FAULT, NOT MINE, and they better reverse their collection filing, or I would hold them liable for damage to my credit. They said they would, but now obviously they did not. 
My credit scores have historically been in the 800s, but just this last week or two, I discovered the score has been dropped into the 600s and was denied a rental application and a HELOC line of credit on my home as a result. 
I expected them to reverse their collection filing and explain that is was in error, but it appears they will not take responsibility for their billing service mistakes or their in-action. 
THIS IS NOT FAIR CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: AL

Complaint narrative:
Midland mortgage foreclosed after 6 weeks of missing payments. They granted a forebearance on XX/XX/XXXX, and sent a person with a loaded unregistered XXXX in my home on XX/XX/XXXX to foreclose. In XX/XX/XXXX, they sent someone in and vandalized my property ( tore my security system, put holes in my walls, left my property unlocked, and tore down my blinds ). I feel bullied and harassed by this mortgage company.

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 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an alert from XXXX that Bank Of America reported me 30 days late in XXXX of 2021. I have never made or been 30 days late on any credit card payments. 

After receiving the alert from XXXX XXXX I contacted Bank of America on 2 separate occasions I explained to them that I have never been 30 days late in which the customer service rep agreed. She also stated she would place a research ticket and someone would contact me once the ticket had been reviewed. 

I have not received any phone calls, letters or emails from Bank of America stating I was late or in jeopardy of being late. During the call I instructed the agent that the online access to my account for payments had been blocked for some reason. I also explained that I never had a returned payment so there should be no concerns of a returned payment. 

The agent ask me to go online while she was on the phone to try and make payment so she could see if it would g through. I tried to make payment and sure enough the account was blocked from making the payment. The agent put me on hold and said that she needed to write up my issue and she would be back with me, once she came back to told me she had a long write up and my credit should be corrected and and someone would be contacting me. I explained to her that this was my 3rd effort to get this corrected and my next attempt would be with the CFPB or AG 'S office she assured me my account would be fixed. 

I told her my account had been closed for years but I never missed a payment she told me she noticed my accounts were closed and that should not effect access to me making online payments. I also explained to her that eventually the I needed a response and my credit repaired since my score dropped 65 points. 

The agent ask me to stay online with her she was going to transfer me to online support to find out why I could not have access to making online payments. The agent said she would get support desk on the call and explain to them the issue and then transfer me to them so I would not to continue to hold. Apparently she was not able to do that because I was transferred and was put on hold for over 1:45 minutes until i just gave up. I have called back two times since then and still no help. My wife and I have noticed that after the late fee payment date i get access to make the payment online.

This entire process has been terrible the customer experience has been horrific Bank Of America is in violation of the Fair Debt Credit Reporting Act. I received no correspondence for a late payment and no calls. It has been 60 days with no response to any of the several complaints I have made.

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 2021-07-22 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: FL

Complaint narrative:
I ask you to remove and delete forever the accounts that are not mine. I am very brutally became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I was browsing the various options for products on credit karma and viewed a product for a title loan with a company called XXXX XXXX XXXX. I was simply looking because it had said I was pre-approved for a loan so I was simply curious about what I'm currently eligible for since I am trying to raise my credit to purchase a home. I did not authorize any formal request and did not authorize for any company to check my credit. A few minutes after leaving the page, I checked my email only to find a notice of denial for credit from a company called " Net Credit ''. I sent an email to their support team advising that I made no such request, and that I would like my information removed from their files. I am filing a formal complaint because this was not even the company who's product I was viewing, nor did at any time did I request any product from any company that would require a credit check. XXXX XXXX should be made aware of these shady products on their site where simply clicking on a pre-approved offer lands you with a hard inquiry on your report by a company you've never even heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CA

Complaint narrative:
Payment made for XX/XX/2020 and enrolled in covid payment extension for 6 months they reported me past due for XXXX to CRAs not onlybwas it coverrd under the covid plan XXXX  was due i paid XXXX proof of payment attached

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 2021-07-22 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:
The court has sent me the attached affidavits swearing that they do NOT verify or validate any public records with Transunion. Both these inaccurate and unverified accounts need to be removed immediately it's against the FCRA To report inaccurate and unverified accounts U.S BANKRUPTCY - XXXX U.S BANKRUPTCY - XXXX ON XX/XX/21 FILE NUMBER XXXX TRANSUNION SENT ME A LETTER STATING THEY VERIFIED BOTH ACCOUNTS WITH THE COURT HOUSE WHICH IS 100 % FALSE they do NOT verify or validate any public records with Transunion.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I am a 100 % XXXX XXXX who went to my county to request an tax exempt for my XXXX rating. It went through and the county of XXXX refunded me XXXX of taxes I paid that I never should have paid. They sent the money to XXXX who sent out the funds to my current mortgage loan holder and a past loan holder who is Speicialized Loan Servicing LLC. The amount sent to them was XXXX. And it has been 2 months and they can't legally keep that money past 30 days. I been getting the run around and I am starting to think they are going to try to keep my money that is rightfully mine. I just want my money and don't know who to turn to for help.

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