vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-05 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: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
I did not receive notification of student loans garnishment because lender did not have my updated address. When I finally received notification it was too late they had already decided to garnish my pay and back tax withholding because of no response from me.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-05 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: Student Loan Debt Agency
State: TX

Complaint narrative:
I did not receive notification of student loans garnishment because lender did not have my updated address. When I finally received notification it was too late they had already decided to garnish my pay and back tax withholding because of no response from me.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-05 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: CL Holdings LLC
State: CA

Complaint narrative:
( XX/XX/XXXX creditor name XXXX XXXX individual account XXXX $ Owed Stating that the account has been overdue by 120 days and is writing a charge off the account for taxes purposes XX/XX/XXXX opening date limit XXXX $ monthly payment XXXX $ ) this is all the information I gathered from my derogatory mark on my credit report affecting my credit score because of a this fake account or this whole report I am completely unfamiliar with me ( XXXX XXXX ) this information on my Credit report is false and it doesnt match my records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Lvnv Funding Llc has violated my rights under the FDCPA and the FCRA as they have been informed the debts involving XXXX and XXXX XXXX that they have purchased are the results of fraud. XXXX and XXXX XXXX were reluctant to wait for the XXXX police department to finish their investigation. I had to gather documentation and evidence over the last 12 months of how the fraud occurred under my name. The police reports have been finalized. 

Lvnv Funding Llc willingly reported the debts anyways to all 3 major credit bureaus with knowing the debts were a result of identity theft and fraud. 

police report numbers REPORT NUMBER : XXXX REPORT NUMBER : XXXX Detective XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX has improperly reported debt to the credit bureaus knowingly that the debt they allege is a result of identity theft. Additionally they have uploaded documents stating this was a debt I owed but after carefully reviewing the documents they uploaded to the CFPB the name had " XXXX. XXXX '' on all the documents they have failed to provide actual documents with my signature and 100 % veritable proof under the FCRA which states the proof has to be 100 % accurate and verifiable to report any information. How is this 100 %??? 


Police report of the allege debt occurrence REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
SEQUIUM ASSET SOLUTIONS has reported to the credit bureaus a debt due to identity theft. The police report REPORT NUMBER : XXXX XXXX  has been given to their original creditor twice and yet the reporting still exist on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: NJ

Complaint narrative:
Equifax is reprinting innaccurate information and are in violation of my FCRA rights as a consumer which is punishable with {$1000.00} per offense they refuse to remove these items XXXX card is fraud as they insisted I was paying with a XXXX XXXX checking account but I will attach a XXXX XXXX letter stating I never opened such account but yet this is the 3rd time Equifax is reporting this as verified yet they dont send me relivent information and nieghter does XXXX card!! The second time is XXXX XXXX this has already been verified as fraud on XXXX and XXXX yet they are still reporting it .... furthermore XXXX XXXX  has confirmed this is a fraudulent auto account as well and XXXX  and XXXX have deleted it but Equifax is still reporting this.. furthermore there are inquiries from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX that have been reporting that are fraudulent and Equifax  is still reporting this they are in violation of my rights of FCRA laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fifth Third Bank ( XXXX ) has been repeatedly and persistently calling our house phone regarding my spouse 's credit card overdue balance 7 days a week right after XXXX for 5-6 times including SUNDAY. When I answered the phone they don't tell me who they are. 

About 4 Sundays ago, I asked them not to call on Sundays ( I think her name was XXXX ) because it is not a good day for them to call. This organization ignored my request and still calls on our house phone everyday INCLUDING Sundays. 

On XX/XX/XXXX, a Fifth Third Bank representative called on our house phone again so I told her that I am willing to pay on my spouse 's behalf but they refused to accept my offer. 
On XX/XX/XXXX at XXXX, a representative from this bank called again. I told her not to call. At XXXX, another Fifth Third Bank representative called the house. Didn't they get a message? I told them AGAIN not to call on Sundays. They are disrespecting this household and interrupting my quiet Sunday  morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2018 XX/XX/2018. XX/XX/2018 XX/XX/2018 Credco ( XXXX loan ) Phone XXXX pulled a hard inquiry on my credit without my authorization

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 2019-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Have been making payments on my loan each month timely and making extra payments that have not been put on the principal of the loan have reached out to the company nelnet multiple time and haven't gotten a answer to what my payments are not being applied correctly. My interest rate is 5.5 percent on loan and when I spoke to them on XX/XX/XXXX again when I received my last statement in mail they took XXXX dollars of my payment and put on intrest and only put XXXX on my principal and when I explained that this makes no sense they didn't have a explanations for me. Also last year they took XXXX and put on intrest, but they said my interest only adds up to about XXXX a day so when I told the young lady I was speaking with to add it up with me that only adds to about XXXX a year so how can they legally take 4 time that for intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: MS

Complaint narrative:
XX/XX/XXXX I lost my job. I managed to keep my payments on rime until my retirement funds ran out. I reached out to state farm bank to see if there was help for people in my situation. The bank told me they could help just complete the package they send in the mail and return it ASAP. I did that however they kept telling me I needed a self employment form. I tried telling them for months I had not used my XXXX  XXXX licenses  and zero money had been made for years. Yet still when I called to check on my status I always needed this form. Needless to say I fell behind during this time. I received my tax refund and paid everything in full. My neighbor decided to purchase my home. During this time I made contact with tax assessors office to inquire on tax amount and discovered my taxes had not been paid. I called State Farm and informed them they paid {$820.00} in XX/XX/XXXX which was not due because I closed on my home in XX/XX/XXXX and all taxes were paid. In XX/XX/XXXX they paid {$1200.00} to someone elses taxes. And in XX/XX/XXXX they paid XXXX two times! All out of my escrow account. After I spoke with a supervisor months trying to get it straight ( my nerves from my decade long job being ended and trying to make payments and get this tax situation straight took toll ) I received a check for {$1400.00}. I have tried over And over to tell these people their mistake but now they have increased my mortgage obligation. I was XXXX   short on a payment and they are holding my payment ( unapplied funds ) and constantly sending foreclosure notices. I filed bankruptcy to keep my home but now Im facing the same situation again only I cant even talk to anyone to resolve it. They either transfer me and never pick up or disconnect the call. I have my XX/XX/XXXX and XX/XX/XXXX payment but Im scared to pay it because I dont trust that the money will go where it is suppose to. I requested to close my escrow account due to the fact that State Farm bank still owes me money for there error however they Refuse. They charge me fees for appraisal value however I never get to see the appraisal because Im charged private mortgage insurance! My home is worth double of what I have financed however continue to charge pmi. I have sent emails. Made calls. Sent letters. Im at my wits end. Please help me. One more thing ... ..my due date was theXXXX, all of a sudden my due date changed to the XXXX. People budget how can they just change a due date that was agreed on from day one???? Its so bad I was XXXX accepted to work for State Farm. I declined due to the way they have been so underhanded. Their intentions I believe was never to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-05 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: AZ

Complaint narrative:
I have disputed several accounts with Experian over the last few months for inaccurate information. These 3 accounts are all showing wildly different dates of last activity among the 3 different Credit Reporting Agencies. After disputing the three accounts and having received the " results '' from Experian the " dates of status '' on my report did not change, which tells me they did NOT perform a proper investigation. The letter read that the following 3 accounts were " updated ''. They " updated '' the " balance reported '' date. How is this an update? 

I then requested proof and method of investigation from Experian and received a " will not reinvestigate '' letter. I have never been sent ANY verification of the date of last activity or date of first delinquency. The 2 XXXX  accounts look as though they are recent accounts on my credit report but are not. They are re-aged. How is this legal? I thought information on credit reports was supposed to be complete, accurate, and verifiable. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Thank you for your help in this matter.

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 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I applied for Barclays XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and was immediately approved for the card. 

I followed up after about a week of not receiving a card and they sent out a new one on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still have not received the 2nd XXXX XXXX credit card that was sent to me. I called customer service and the automated robot system told me they could not find an account under my date of birth and social security number.

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 2019-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I use an application on my cell phone called " Cash '' this app is from the Square company, I made a money transfer to a friend of mine for XXXX dollars, she had not received the payment, then checking my Cash app account I observed XXXX additional transactions made transferring money for XXXX dollars, I have not authorized at any time, this situation worries me and I send an email to the customer service and they ask me for all my personal information and the description of fraudulent transactions to investigate, these events occurred on On XX/XX/2019 at XXXX p.m., I still await answer from the Cash app company belonging to Square for this unpleasant situation that I have left without my monthly income to pay my bills and feed my XXXX children, I hope your cooperation, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA sent me a fraud alert on Saturday, XX/XX/XXXX to notify me that someone may have made an unauthorized transaction on my debit card ending in XXXX. Indeed, someone completed an unauthorized transaction on my card at XX/XX/XXXX. The amount was {$160.00}. 

I called USAA on Saturday, XX/XX/XXXX to ask for a new debit card and to report the transaction as fraudulent. On XX/XX/XXXX, the bank emailed me to let me know they had determined the transaction was not fraudulent. This seemed strange to me the bank had just emailed me a day before to let me know of this unusual ( and fraudulent ) transaction, and now they were determining it was authorized? 

To make this transaction even more unusual, an unauthorized transaction was also completed on my credit card on the same day at the same XX/XX/XXXX. ( The dispute for that credit card transaction at the same XX/XX/XXXX has not been resolved yet. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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 account was previously removed by all three credit agencies equifax, XXXX and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceXXXX account # :XXXXxxxx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 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: Penn Credit Corporation
State: FL

Complaint narrative:
This bill was paid thru the original creditor - XXXX XXXX for {$510.00}. 

Penn Credit refuses to take their name off my credit report because we did not pay them but instead paid the creditor directly and it has been paid in full for a long time. I have called numerous times and explained that they shouldnt have their name on my credit report and the account was paid with the original creditor and they refuse to take their name off my credit. 

This account needs to be removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: NC

Complaint narrative:
XX/XX/2019 - responsible for $ XXXX+ on a {$54000.00} priced car in lot I have called XXXX XXXX Ohio every business day for resolution. 

Ive called XXXX XXXX corporate documented everything. 

I called Us Bank ( new bank ) I called XXXX XXXX bank XX/XX/2019 informed of my car on dealers lot for sale and they said they have my loan not paid and they own title of car Dealership XXXX XXXX Ohio lied to me about warranty manufacturer XXXX which doesnt exist. When I called corporate they informed me my warranty was much less at XXXX. 

Dealership lied to me saying my car trade was wrecked. False information. I checked XXXX when I saw my car for sale on a dealers lot XX/XX/2019 and it states no accidents. 

I was lied several times for a sales deal. 

Unethical business practices and I should not be responsible for a contract signed with false representation and false information to instill fear in me to get back home safe.

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 2019-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX XXXX  XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, XXXX, and Transunion ) all have inaccuracies still listed.

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 2019-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERI Financial Services
State: VA

Complaint narrative:
Over the past 3 years RI Financial ( XXXX ) has called my number looking for XXXX XXXX. 
I have told them 4 or 5 times that we do not know a XXXX XXXX, never have,, and that this number is wrong number for him. Twice the representative has said he would make a note that this is wrong number. The calls continue several times every day.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was previously removed by all three credit agencies XXXX, transunioun and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX   balanceLXXXX account # 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