vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
My original amount was {$640.00} - XX/XX/XXXX, my monthly payments was approximately {$43.00}. I made payment of {$50.00} for the month of XXXX, XXXX, and XX/XX/XXXX, on time. Then in XX/XX/XXXX, I missed the due date and paid 2 days later, and was charged {$29.00} late charge, and that month I paid {$43.00}. I've continued to pay {$50.00} XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, either before or on the due date. But because I was late paying in XX/XX/XXXX, they have charged me {$40.00} each month as being late, therefore, although I've paid {$300.00} since XXXX, my account remains the same, because they take {$40.00} of my payment as being late. I feel this is FRADULENT and they should be made to post my {$300.00} I've paid to my account, plus the {$29.00} late charge for XXXX. This is considered HIGH CLASS STEALING FROM THE CONSUMER. I WANT MY MONEY APPLIED TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company have no responded in the past 30 days.

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 2021-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently noticed inaccurate date reported to my credit profile with XXXX XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( XXXX  and Equifax ) do the same and acknowledge these inaccuracies as XXXX  did and delete this account off of my Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to make a complaint about SunTrust Mortgage ( now Truist ) On XX/XX/2021, I received notification that my mortgage with XXXX XXXX was being transferred to SunTrust Bank now Truist. ( Needless to say I did not request or wish this but it seems like as a consumer I have no say in who services my mortgage. ) The notification said to expect to hear form SunTrust about how to pay my loan. 

So I waited. Nothing in the mail. No welcome email ... in short, nothing at all from SunTrust now Truist ( can't they even settle on a name? ) Then today ( XX/XX/XXXX ) a curt email from SunTrust saying that oh, by the way, my payment was due on XX/XX/XXXX, and to pay by the XXXX " to avoid a late fee ''. This is despite the fact that according to XXXX, ( and from what I remember on previous times my loan has been sold ) that there is a 60-day period during which my payment can not be treated as late. 

I tried to set up my account online but I didn't know the new account number. I tried calling two numbers for SunTrust, including the one I got from XXXX Neither of them worked- I just got cut off. I tried texting from the web site. The conversation was ended XXXX by them ) as soon as it started. 

Finally, I called XXXX to get my SunTrust account number, set up an online account with SunTrust and made the payment without dealing with a person. ( Clearly, the aim of the website is to make it impossible to deal with a person. ) My anger is about how I ( and presumably others ) have been treated by SunTrust. This is an unacceptable way to treat new customers. At the very least I should have received a welcome letter either electronically or on paper. 

I also wish that it were possible for consumers to be consulted about who services their loans. I did not wish or request for my loan to be transferred in the first place.

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 2021-08-09 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: MD

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. 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 2021-08-09 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: MD

Complaint narrative:
XXXX XXXX  XXXX XXXX  XXXX  Equifax Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly.

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: CA

Complaint narrative:
We started a refi with Amerifirst Financial Inc. -NMLS XXXX in XXXX of XXXX. The refi dragged on for almost 5 months at no fault of our own. The lender, XXXX XXXX, of the XXXX XXXX CA office continued to string us along with excuse after excuse of why we hadn't closed. I'm requesting our file to be reviewed and believe XXXX XXXX, who runs the XXXX XXXX office is a fraud. 
We were told the delays were due to many refi 's happening which was very believable. We were then told it was because of the holidays ( also believable ), and then again told there was a system malfunction nationwide. We were told about 20 more excuses dragging the refi out, most of which I have retained in text messages and emails. When we finally closed in XXXX, we signed with the notary for a REFUND of almost {$4000.00} and have received NO refund. It is my belief, the lender, XXXX XXXX, extended our loan multiple times without ever discussing, disclosing, or anyone agreeing on fees & he used our refund to cover the cost without EVER disclosing those fees. He now has discontinued communicating without delivering an explanation to where our money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX  XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX  XXXX. 




I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-08-09 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: FL

Complaint narrative:
TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 




I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


XXXX XXXX XXXX # XXXX Account owner : Lvnv funding llc {$440.00}XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
First, I have been charged student loan interest during the Government stay on Federal loans during the pandemic on multiple held loans by Navient. I will list each below. What they have done is taken off the interest amount and just added it to the principal of the loan. Resulting in my loan increasing during a lawful stay on loans. I'm sure this is not legal or complies with the lending standards. 

Fraud charge # 1 : XXXX XXXXUnsubsidized on XX/XX/XXXX of {$69.00} increase Fraud charge # 2 : XXXX XXXX-Unsubsidized on XX/XX/XXXX of {$240.00} increase Fraud charge # 3 : XXXX XXXX-Subsidized on XX/XX/XXXX of {$63.00} increase Loans XXXX & XXXX XXXX are also reflecting a 6.8 % interest active. 

Second, this caused me to look further into the insanely high balance reflected currently with my account. All these years I haven't had the time to dig in and pursue. I do have that time now. You are showing my total balance of {$76000.00}. 
Adding up all the loans reflecting on my account including interest, loans that were previously cancelled ( i'll explain this further next ), including all costs possible you have on there. I am coming up with a very different number. Including all listed the total amount actually is {$70000.00} at max. This does not include any payments made. Now, unless my calculator and education I paid too much for is failing me that is an issue on their part. I would like to think this would be a simple mistake or oversight from them, otherwise this would be taking advantage of students that are already struggling with costs for higher education. I would expect that to be corrected. 

Third, last but not least. There are a total of 5 loans from XXXX that have previously been filled on to be dismissed due to school fraud ( multiple lawsuits ) and closure. These loans are as follows. 

Loan # 1 : XXXX XXXX-Unsubsidized total {$2700.00} University XXXX XXXX Loan # 2 : XXXX XXXX-subsidized total {$740.00} University XXXX XXXX XXXX # 3 : XXXX Direct- subsidized {$3400.00} XXXX XXXX Loan # 4 XXXX Direct- Unsubsidized {$4200.00} XXXX  XXXX Loan # 5 XXXX Direct-unsubsidized {$530.00} XXXX XXXX Grand total {$11000.00} I can be contacted directly via email at XXXX Cell ( XXXX ) XXXX are the best ways to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.

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 2021-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.

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 2021-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax will not do their job and investigate these disputes that I have submitted to their office. This my 4th time doing this. The other ( 2 ) credit bureaus has removed this derogatory items from my credit report. I want this negative items deleted from my credit report within 15 days. 

XXXX Unverified account XXXX Unverified account Medical Collection-XXXX Unverified account Medical Collection-XXXX- Not my account/Unknown Medical Collection-XXXX -- Unknown account Collection-XXXX Unknown account Signed one angry customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/1992

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
30 Day late payment reporting was provided to the 3 credit bureaus ( XXXX XXXX and XXXX  ) in error, This error caused a drop of 82 to 95 points to my Credit Scores and reduced my 100 % on-time payment record to 99 %. Loan Depot approved my Budget/auto drafting of my account for my Mortgage Payments in XX/XX/XXXX, this action was to ensure no late payments and that my account would be paid bi-weekly. Loan Depot 's policy for auto drafting requires 2 months payments paid in advance ( performed on XX/XX/XXXX and XX/XX/XXXX ) which covered XXXX and XX/XX/XXXX. 3 additional payments, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX were also made online using Load Depot 's website making the first payment to be paid from auto drafting on XX/XX/XXXX. On XX/XX/XXXX after logging into Loan Depot 's webpage I noticed they hadn't taken XXXX or XX/XX/XXXX drafts and no suitable explanation was provided as to why I was at fault for the missed payments. Funds were readily available an no attempt by Loan Depot was made to ensure timely payment. I took the following steps to correct the issue and get setup for budget drafting again by paying XXXX, XXXX and XX/XX/XXXX payments with the first auto-draft scheduled for XXXX XX/XX/XXXX on XX/XX/XXXX. I then filed a complaint with Loan Depot which they denied any wrong doing and that their records were correct and I filed disputes with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.

Company response to consumer: Closed with explanation