vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XX/XX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 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 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
This company erroneously charged me {$1500.00} for an XXXX. In the medical office, the staff told me that the total out of pocket cost for the XXXX would be {$400.00} and that I would not have to pay anything else. Soon afterwards, the medical office sent me a bill for {$1500.00} saying that I owed them additional monies. If I knew the total out of pocket cost for this elective test was close to {$2000.00} - I would not have agreed to do it. The company was very deceptive and baited me to pay {$400.00} in the office and then charged me {$1500.00} afterwards. I spoke with someone at the office and they agreed to remove this charge but then when it got escalated to management, they would not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: IL

Complaint narrative:
I submitted a credit dispute to Equifax XX/XX/ 2020. I disputed several accounts reporting on my credit report inaccurately. I also requested " PROOF '' of these debts exercising my rights under Section 609, which I am entitled to see and be provided with, for full validity of the said debt ( s ). Equifax DID NOT comply with the Fair Credit Reporting Act completing a full unbiased investigation within the time frame given ( 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
The alleged debt has been disputed and company still attempts to collect alleged debt which is in violation of 15 U.S. Code 1692g ( b ). 

According to 15 USC 1692g- validation of debts ( a ) Notice of debt ; contents ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ), ( a ) ( 5 ) said company is in violation of consumer rights. C.B.A. has no proof of sending any written notice pertaining to collection of alleged debt. C.B.A also has zero proof of any contract entered into by me and said company. C.B.A also never sent original creditor information. 

According to 15 U.S.C.1692f- Unfair Practices- ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have not authorized ANY agreement with Credit Bureau Associates. 
Credit Bureau Associates is in violation of federally protected consumer rights.

Credit Bureau Associates is also in violation of 1692e ( 2 ) ( A ) by furnishing a false representation of the character, amount or legal status of any debt.

15 U.S. Code 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Under 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I have NEVER given C.B.A ANY consent, written or otherwise, instructions or permission to furnish any information on my credit report. 

in violation of 15 U.S. Code 1692d ( 1 ) All actions taken by the company are injurious to my life and credit report by reporting inaccurate, false information. the information being provided to consumer reporting agencies is damaging to my reputation and is defamation of my character preventing me from getting credit. 

Reporting Medical information on my consumer credit report is also a violation of my individual privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Every time I apply for a card with this bank Comenity they decline me. I asked them are you prejudice against XXXX and XXXX? Because I am XXXX and i am XXXX. They put me on hold and never resolve the issue. 

Now the letter states things that don't exist on my credit report. They refuse to help me with my applications and when I call they won't connect me to a mgr to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have 2 collection accounts on my Equifax credit report. One of them has been addressed on my XXXX report but it is still reporting on my Equifax. The 2 accounts are XXXX XXXX and XXXX XXXX XXXX. I have reached out to them by certified mail but no response. I have no accounts with them and no knowledge of the account. They never gave me proof that the debt belonged to me. No signed contract or anything with my signature attaching me to the debt. They have only harrassed me with payment. I am asking that these items be removed from my Equifax report immediately. I have already reached out to XXXX as well. I am sorry that I had to go this far to address this matter but thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: FL

Complaint narrative:
We have a mortgage through ATLANTIC BAY Mortgage. Their loan servicer is XXXX XXXX. 

We have had non stop issues with this mortgage company regarding them disbursing funds. 

First, w erefinanced and they had a clerical issue that marked the loan paid in full and they sent back our mortgage payments for 3 months. They tried to blame us for the issues and then finally admitted fault. 

As a lasting rwult of that same issue, they never updated the insurance and stopped paying on the policy and then forced an insurance policy on us saying we didn't have one. 

They admitted fault on that as well staying they never updated the policy. 

Now for a third time our insurance wa stopped due to Atlantic Bay / XXXX XXXX not disbursing to citizens. 

They attempted to divert blame yet again blaming the insurance company. The insurance company has timestamps and records of the sent documentation. 

This company has repeatedly had issues with their own loan officers stating they were happy that we sent emails regarding this because their servicerXX/XX/XXXX has been having a lot of issues. 

I called " XXXX '' at atlantic Bay corporate and she was rude, demeaning and unapologetic and had no sense of urgency on the matter and deflected. 

She said she wouldn't reimburse us for the new 4 point we needed and that the insurance increase would of happened at the renewal anyways when that renewal is still 6 months out. 

This company needs to be investigated and held accountable for unethical business practices. As consumers, it is disheartening that even through a pandemic we did all of our payments and acted as we should yet this mortgage company is causing hardship for over 2 years on a variety of different issues caused by their own loan servicer. If they had accountability and just fixed it, I wouldn't be doing this report. But instead they took the problem and we're rude, degrading and trying to deflect responsibility. Please contact the XXXX XXXX XXXX for evidence of all timestamps and submissions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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:
I've been disputing fraud accounts on my credit report since XX/XX/ 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my XXXX  and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: MS

Complaint narrative:
Big Picture Loans was suppose to withdraw {$120.00} on XX/XX/21 but did not.. I received an e-mail from them on XX/XX/21 to contact them and I did. The representative I talked to could not resolve the problem and told me that it would have to be resolved at the next level up..The representative kept placing me on hold during the call, which was very aggravating. But she said it would be looked into and asked for my phone number. I heard nothing until XX/XX/21 by receiving a text that my payment was past due and to contact them. I contacted them and the same process as before began to start. I was being placed on hold. I believe this is an attempt by the company to have additional interest accrue to make extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I submitted a credit application with Mercedes Benz of XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called Mercedes-Benz Financial Services directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at Mercedes Benz of XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Marlette Funding, LLC
State: GA

Complaint narrative:
I have sent XXXX, XXXX  and Best Egg letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Best Egg and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX  and XXXX has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My XXXX XXXX credit card has been closed since XX/XX/2020 with no outstanding balance. After my credit card has been closed XXXX started to charge some kind of interest fees on a XXXX dollar balance and then started to charge late fees and additional fees. Now it has reported all this information to the credit history.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have over 100 spoofed calls and calls from this company. They call twice a day almost NEVER from their real number, and they use number spoofing using fake local numbers to call me. If I answer they make squeaking and screetching noises and hang up. This has gone on for 3 or 4 months now over a {$50.00} auto insurance bill I do not owe and is still in dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I applied for a Discover loan. I have excellent credit ( XXXX ), but because I needed a slightly extended loan term, I accepted their loan offer of 12.99 %. 
My expectation was to pay the loan off earlier with extra payments toward the principal. My beginning balance was more than I borrowed, but my loan didnt have any fees. Customer service said that it was interest that accrued before ever receiving my first statement. My credit report showed that I had a larger balance than my loan amount. 
I continued to make regular payments that were larger than my minimum payment and noticed that my balance didnt reflect the extra payments toward the principal. I was sure to select the option that directed the additional funds to be applied to the principal balance. 
I used an amortization calculator to double check my math before contacting customer service again. The representative that received my call first tried to make me believe that there was no problem, but after walking through my calculation with her, she admitted to having brought up the misleading practice to management before. She said the only way around losing so much of my extra payment was to pay the extra via a separate transaction. 
For my XX/XX/2021 payment, I tried her suggestion, and it didnt work. I made my minimum payment before its due date, and allowed it to process, then made the extra payment on the due date. I realized that I lost about 22 % of the money I allocated toward the principal balance. 
This practice is predatory and misleading, and my payoff amount is always more than my principal. Ive never been late or missed a payment. 
I could really use your help. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX CARD - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Dept of Education/XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
I have sent XXXX, TransUnion and XXXX XXXX letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? XXXX XXXX and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX and transunion has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?

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 2021-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called to close my account because I was not happy with Citi 's archaic online services. I discovered, via the post office, that Citi sent tax documents to an old address on my account that I closed, which made me furious as I had my updated address in that account for months. Now that my account is closed, it appears that Citi may have sent a check with the balance to the old address, not the current address on the account when I closed it. 

Since my online access has been canceled once I cancelled my account, I can't go online to retrieve my tax documents.

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 2021-02-10 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: AMA Advisors, LLC.
State: NV

Complaint narrative:
VA loan with XXXX in XXXX. Loan was sold three times in two years Homebridge to Company X, back to Homebridge. Homebridge now has two accounts on my credit showing past due 60 days because they sucked at keeping up with when they sold my loan. Sold house in XXXX, paid in full and was never late. I have called, faxed and snail mailed Homebridge with no response. Calls after waiting on hold hours, end with promises of a call back by " credit department '', never happens. All disputes come back with " verified information ''. Now they have just put a current late XX/XX/XXXX on a loan that was closed and paid in full back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I recently went to get my taxes done. While sitting with my tax specialist she noticed that the interest charged when they sent me my tax forms from Navient was a lot more this year than last. In XXXX on my XXXX form the interest was {$3900.00}. That was the amount for the full year. I paid off my Navient XXXX  loan XX/XX/XXXX and my XXXX XXXX statement reflected interest was {$5700.00}. My tax specialist felt this was odd, as I paid the loan off within the first 3 months of the year compared to last years 12 month interest quote and recommend I look into it. Also it doesnt help Navient is under a class action law suit already for matter similar/same as this.

Company response to consumer: Closed with explanation