vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had several loans with the Department of Ed/XXXX I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of EdXXXX and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had several loans with the Department of EdXXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had several loans with the Department of Ed/XX/XX/XXXXI was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.

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 2021-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These credit accounts are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These credit accounts are unauthorized and need to be removed from my credit report immediately.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a few issues to address : 1. ) XXXX  has dropped my credit score a number of times without any explanation. I understand hard inquiries impact your score negatively and a number of other things are determining factors as to what your score will be. But when there is a drop with no explanation or indication as to why it dropped, that is unacceptable. Equifax and XXXX ; I always know why my score dropped. XXXX is the only bureau that has no explanation. WHY? 

2. ) Why is it that, if you pay off your home loan or any other large purchase, the consumer is penalized? Our scores should either stay the same or increase for the hard work of paying off a huge debt. Instead ; all 3 bureaus take at least 20 to 30 points off of your credit score. How is that fair to consumers that work hard to keep their excellent credit rating? 

3. ) When a credit card closes ; why is that a reason to drop our score? I know the excuse is " because you no longer have that credit history. '' Why can't it be ; if you paid those cards off, your score doesn't change and that history still counts after the account is closed. 

There are so many unfair things that make it extremely hard for consumers to succeed. We know creditors base majority of their decisions on the score as opposed to the history ( i.e. interest rates ). And yet the bureaus hit us in every direction. 

All we want is to be treated fairly. If the above 3 things are changed, that would make a world of difference to consumers who work diligently to keep excellent credit. 

Please don't response back by telling me the rules. I know what the rules are and rules can and should be changed for the better. Just because they are the rules, doesn't make them RIGHT or FAIR. The system is geared toward the creditor in every way. The consumer gets punished if we are not paying our bills, which is understandable, and we get punished if we pay our bills on time or pay them in full. 

If whomever is responding to this doesn't have a solution, please let me know who does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I have sent UNITED COLLECTION BUREAU MULTIPLE LETTERS AND GAVE THEM MULTIPLE CHANCES TO VALIDATE THESE ACCOUNTS AND THEY HAVE NOT DONE SO! THE LAST ONE BEING ON XXXX XXXX, 2021. ( CERTIFIED ) This company has violated several of my consumer rights! Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signatureAs you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account is PAID charge off that they made numerous mistake in report now after years of correct them by me they refuse to remove the erroneous mistake on account and remove account ( delete ) as the law requires.

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 2021-03-23 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: TX

Complaint narrative:
XX/XX/2020 was marked as late on my credit report. However in XXXX of XX/XX/XXXX I had called Capital One in regards to be furloughed due to Covid they advised I wouldn't be charged a late fee and I made other arrangements for payment. However come XXXX I was billed a late fee and I had to call and have it credited. They were able to credit the account but still reported my account as late. I have called them several times but was told they are unable to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have been using the Robinhood app to purchase stocks. I was happy with the service until an issue with account being freezed occured. They required a photo id be uploaded to able to sell and trade stocks again with a restricted status. I supply this and asked questions, its been almost a week with no answer to all questions asked. What else is needed? I am suffering by not being able to buy or sell while this servicing error prolongs potential. Also i wanted a summary of the porfolio totals and to see if any fees were charged. I asked as well if there are paper statement that can be mailed? No answer to these questions to date, as the freeze lingers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: IL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXXHave removed these inquiries because of identity fraud Equifax claims they are correct I want them to verify there method???????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail. I recieved responses from LVNV Funding LLC on XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX response letters consisted of only billing statements from the supposed original creditor. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: NV

Complaint narrative:
When applying for a reverse mortgage I had to have my home appraised, for which I paid. The appraisal took a month. They only did a drive by. Then the appraisal came in at between XXXX and XXXX XXXX dollars below market price. I proceeded with the appraisal based on an approximate value of my home at approximately XXXX, XXXX. The homes in my area are selling for approximately XXXX for smaller homes on smaller lots. XXXX estimates my home at XXXX. XXXX at XXXX and XXXX at XXXX The XXXX hired by XXXX appraised it at XXXX. While the online estimates are just that a there is clearly something wrong with the appraisal. XXXX did a bait and switch. They dangled a carrot at a loan that a they had no intention of following thru with. I think they should round the appraisal price based on their tactics. I paid XXXX for this faulty process. How much does XXXX receive of this as a kick back? This all took place during the months of XXXX and XX/XX/2021. XXXX loan number was XXXX. Their appraisal number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: ID Analytics, Inc.
State: PA

Complaint narrative:
Yes, I received my Credit Report from other companies. My first credit score was XXXX, 2nd XXXX, 3rd XXXX ... I have never had a credit score that low in my life, and I'm XXXX yrs old. This credit score came from SageStream , LLC. from California. I feel that this score will affect my other credit scores when it comes to finance from a bank ... I have paid my bills from electric, telephone, other loans & from bank loans ... NEVER, had these companies had to call to collect money or even late charges from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I closed on a VA refi. with XXXX XXXX. In XXXX I was sent a mortgage statement from " The Money Source '' showing a Mortgage payment due date of XX/XX/XXXX. Subsequent statements followed for XXXX and XXXX, showing a due date of the XXXX for all months. I recently received a statement for XXXX, that showed a late fee for the XXXX payment, even though it was not due until the XXXX and the XXXX due date showed payment due on XX/XX/XXXX ( XXXX fools joke? ... ..probably not ) I was able to reach a customer service rep who stated late fees can not be reversed, even in the companies error and that all statements showed that payments were to be received by the XXXX even though I have clear evidence showing the due dates of the XXXX. 

In addition, The Money Source requested a payment on XX/XX/XXXX and expects an additional payment on XXXX. 

Is a mortgage company allowed to request more than 1 payment within a 30 day period, without notice or agreement from the mortgagor? And do they have the right to charge a late fee if a payment is not late according to the mortgage statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I asked for this account to be verified and show proof that this is in fact my debt and show proof of any signatures showing I agreed to pay this debt. This company in turn sent a copy of medical records with no signatures showing I agreed to have my medical records released and this is a direct violation of my HIPPA rights. I am demanding that this be taken care of with the removal of this information to avoid further action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have made every attempt to have this situation corrected and remediated with credit disputes to the three bureaus -XXXX XXXX XXXX XXXX and XXXX to no avail. I have contacted Mercedes Benz and they were of no help. They advised me that they do not get involved in credit disputes and that all their credit reporting is done automatically. They suggested I dispute the item with the credit bureaus that they would not dispute the update. 

I have 100 % payment history on all three bureaus XXXX XXXX XXXX XXXX XXXX XXXX  and Mercedes Benz reported me late or over 30 days on my XX/XX/2019 file with the XXXX agencies. This has made my credit payment history 99 % and less than perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
Back in XXXX, I submitted a request to close my account with Netspend online, which is their requirement. Recently, I received a notice that my statement was available. I no longer have a card with this merchant. I logged into my account online and noticed that the account was still open and has overdraft and debit fees on this account. I have attempted 4x to contact this merchant regarding this account being closed and removing the fees. Each attempt was met with the response of you cant verify your card number or remember your last deposit so we cant assist you. I havent had a card with these people since XXXX and I have not made a deposit since then. They have since removed my access to their website so I am unable to verify the last deposit amount in order to resolve this issue. I have confirmed with them that a deposit is transferred to my savings in the amount of {$25.00} every time a deposit is made in my account. With all of this, they have yet to assist me with this issue. I am currently on hold with no acknowledgement from their customer service department and have been on hold for 2 hours! I just want my account closed and these fees removed! I was a member with this card since 2009 and this has been the most impossible situation to deal with!

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