vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: CA

Complaint narrative:
XXXX and Transunion credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than ten different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an XXXX product, as Transunion, -- -it is difficult and time consuming to get a new report because I am blocked by Transunion in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on Transunion and do not want Transunion to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXX XXXX WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS XXXX. XXXX REPORT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX and XXXX  credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than ten different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is Synchrony bank/Amazon, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an XXXX product, as XXXX, -- -it is difficult and time consuming to get a new report because I am blocked by XXXX in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on XXXX and do not want XXXX to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT SYNCHRONY BANK WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS XXXX. XXXX REPORT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been disputing negative accounts with the bureaus and have yet to hear from any of them. I have items on my credit that are not accurate and they need to be removed. Under the law, they're supposed to respond in 30 days and it has been over 3 months. I have attached the latest letters sent to you please respond.

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 2021-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
We have a a car lease with Kia Motors Finance ( KMF ) that is on autopay. The monthly payment is {$570.00}. On XX/XX/2021, we received notice of a past due amount of {$52.00}. As we are on KMF autopay we were confused by the notice. Nonetheless we paid KMF the {$52.00} on the same day of the notice. In a conversation today, XX/XX/2021, with a KMF agent about this past due amount we were instructed to ignore the past due notice. This did not seem like a reasonable reply, so we asked to speak to a supervisor. We were told by the supervisor that the {$52.00} was for Mass. property tax and it had to be paid separately from the lease payment of {$570.00}, and that it is not covered by autopay. The supervisor directed us to our XX/XX/2021 statement, which is herein attached. The amount of {$52.00} is the sum of two amounts on the statement : {$49.00} and {$3.00}. The statement lists a total amount due of {$630.00}. Note that the total amount due is not broken out into two separate portions ; one for the lease payment and another for the tax payment, and that each had to be paid individually. As will be seen, the KMF statement in the upper right says. " Stop worrying about making your monthly payments. Sign up to autopay and never worry about late fees again. Even more troubling is that the first KMF agent we spoke to said to ignore the late payment notice. For all the foregoing reasons we therefore believe that KMF is engaging in misleading and deceptive business practices, and we are bringing this matter to your attention. It is also quite possible that we are not the only ones to have been caught out caught out by this KMF practice.

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 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They have beein calling at bad times during the day repeatedly. It's annoying and harassement. No one has sent my veriffication. For this action I want them to stop reporting this on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: ProCollect, Inc.
State: TX

Complaint narrative:
As of XX/XX/XXXX, I have sent ProCollect numerous Validation request for me to verify. They have not responded to any documents I have sent. I have sent a cease and desist as of XX/XX/XXXX in which they stopped reporting for 2 months and continued to report the invalid debt. I have attached documents and would like a resolution ASAP. These actions violate 15 USC 1692a as well as I never received any notice which violates 15 USC 1692g.

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 2021-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN

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 2021-06-28 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: TX

Complaint narrative:
not mine Fair Credit Report act violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: UT

Complaint narrative:
I have been disputing negative accounts with the bureaus and have yet to hear from any of them. I have items on my credit that are not accurate and they need to be removed. Under the law, they're supposed to respond in 30 days and it has been over 3 months. I have attached the latest letters sent to you please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
An account has been placed on my credit report that does not belong to me. I have submitted the following information to Transunion : Affidavit of forgery ID Theft Police Report State ID FTC Identity theft Report Section 605B A letter requesting this fraud be taken off of my report The account is a collection account that originated with an entity called XXXX XXXX, and is now on my report in collections with XXXX XXXX XXXX. 

My credit is frozen and fraud alert added.

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 2021-06-28 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 requested Experian to verify the below collections account and provide documentation to prove these are my debts and they have been unable provide documentation. I am requesting the below accounts removed from my credit report XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
Hello, I'm in the process of purchasing a house in XXXX XXXX, NM. When I locked my rate on XX/XX/10, the origination charges were {$850.00} under Section A of my loan estimate. The purchase price of the home was {$430000.00}. The LTV was 95 % - down payment {$21000.00}. ( See : 06102021_Better_loan estimate_Rate Lock ) The appraisal on the home came in at {$380000.00}, and I agreed to pay the shortfall. I requested that the loan down payment be changed to cover the shortfall and decrease the LTV to 90 % - down payment {$85000.00}. When this was done, the origination charges increased to {$2300.00}. I called Better and explained to them that this wasn't OK and was able to negotiate {$500.00} off the origination charges, which decreased down to {$1800.00}. ( See : 06282021_Better_loan estimate_Post Negotiations ). I was told the reason for the increase was due to my appraisal coming in under the house value, and covering the shortfall and decreasing LTV didn't matter. 

I would like CFBP to investigate to ensure this practice is acceptable. It doesn't seem right to me if I'm accepting the risk by covering the shortfall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
Attached you will find documentation filed against Upgrade Inc. I was an Upgrade customer and have been unable to access my online account for close to a year. I called multiple times, held for hours and finally on XX/XX/2021 I reached a representative who confirmed that the one account I had open with Upgrade was paid in full, I followed up with an email ( see attached ) and was told the same thing. I was also told by a representative that I could not access my account because I had a XXXX email which makes no sense as I was able to access it to set up the account and take draws and pay down/off my account. I requested that the account be closed, and Upgrade agreed HOWEVER, Upgrade continues to withdraw money from my account monthly on an account that has been paid off and closed. I have also reached to XXXX XXXXXXXX XXXX, the Bank that backs Upgrade and have not received any response. These lending practices are deceptive and I need resolution. 
My ask is the following : 1. Upgrade provide a refund to me for the funds they withdrew after confirming that my account balance was XXXX, funds should be refunded from XX/XX/2021 to present as they are STILL being withdrawn from my personal checking account monthly 2. Upgrade send confirmation to the credit reporting agencies that my account is paid in full and closed My expectation is that this is done immediately. I have engaged both the Minnesota Department of Commerce and the Minnesota Attorney Generals office for support, and both suggested I reach out to you as they have not had any success reaching Upgrade of their Parent Company, XXXX XXXX XXXX. All supporting documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XXXX the XXXX at XXXXXXXX XXXX I had done a card to bank transfer from US Bank ReliaCard to XXXX XXXX for {$100.00} the transfer was never completed nor did it come back I was given two different Trace numbers and told to resolve the problem myself that they didn't do that because I was with a prepaid card that I didn't ask for I've asked for my pua pandemic payments to be direct deposited and they will not do it they say we have to have the debit card however the next one took place on XX/XX/XXXX at XXXX XXXX. a card to bank transfer from my US Bank ReliaCard accidentally done to XXXX XXXX XXXX for {$50.00} XXXX XXXX was contacted and they never received anything that they had turned around it never went to them and my bank is saying that they can't do anything but possibly put a trace on it and they want me to do the leg work and find out where it went myself I have asked multiple times to have direct deposit to my personal bank account for this main reason here somebody's taking the money and they're not returning it and I'm tired of fighting with them I can't give you the proof physically because I do not get paper statements and my phone will not allow me to take screenshots of the transactions for security purposes

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 2021-06-28 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: Absolute Resolutions Corp.
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX Attached information suddenly showed up on my XXXX and XXXX reports which indicate a fabricated/fraudulent collection account that is not mine. 

The only collection account I have is w/XXXX XXXX of whom offered a recent settlement and shall be paid off 'completely ' in XX/XX/XXXX. 

I was excited thinking 'FINALLY ' my credit score shall return to a viable number, yet with this new 'fabrication ' my score dropped even further ... by XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
Volvo is claiming that 3 of the tires on my car at lease turn-in are below tread. This is peculiar and improbable to me for the following reasons : ( 1 ) when dropping off the car no issue was identified ; ( 2 ) I dropped the car off on XX/XX/XXXX and Volvo has tried to charge me for additional months of lease and claimed I had not returned the car in a timely manner ( i.e. Volvo couldn't find the car at their own dealership ). Now that they have located their car, the inspection takes place at XX/XX/XXXX ( over a month later ) and I have no way to validate what wear and tear has occurred over the last month plus. 93 ) Of further concern, the odometer they note in their Lease Termination Inspection Report does not match the amount the dealer noted on XX/XX/XXXX. I have attached both reports. One odometer reading is XXXX and the Inspection Report cites XXXX. ( 3 ) I dropped the car off at the same dealership that has completed all the annual maintenance for the car, and never was low tread identified as an issue ( nor at the last schedule maintenance ) ; ( XXXX ) the XXXX XXXX tires have a 70,000 mile warranty down to tread of 2/32 '' in which there should be a rebate at a minimum. 

This position is very convenient for Volvo to make these claims at the detriment of consumers. I contacted Volvo to better understand and they were completely unhelpful in trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim at Bank of America about the fraud of my checking account that some of transactions from XXXX. XXXX to XXXX. XXXX XXXX, total amount is : USDXXXX and they denied it. The reason they denied my claim is because they told me this claim was over a year and there's nothing they can do. 
The reason I filed a claim on XX/XX/XXXX is because my bank account had been frozen from XX/XX/XXXX to XX/XX/XXXX. And I faxed the court document and police report case number to the number they provide me to support my case. 
During this whole time from XXXX XXXX, XXXX -- -- XX/XX/XXXX, I was not able to access into my bank account on line banking or get any info from financial branch. 
As long as my bank account was unfrozen on XXXX. XXXX, the weird thing is that I could tell that the fraud happened from XXXX. XXXX, XXXX -- -XX/XX/XXXX, XXXX which was during the time my BOA bank account was supposed to be frozen. So now Im confused how this was happened, while my bank account was frozen? Even I, myself was not able to access into my own bank account. I can not imagine who was able to access into my bank account while it's frozen except the people who's working in BOA. I wan na an explanation from BOA but they just ignore my request. And denied my claim without any explanations.

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