vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
In XXXX of 2020 my insurance company reached out to my lender XXXX XXXX at Bancorp South and asked for a payment for the escrowed amount owed. He asked for a statement and the insurance sent it over. The company sent it over with my name XXXX XXXX and in the name of our Company XXXX  XXXX XXXX XXXX. Instead of adding my husbands name XXXX who is the loan holder. XXXX after several emails to the insurance company never expressed the issue nor did he call me to correct it very quickly. He allowed the insurance to laps and Bxs put their backup policy on it with out my knowledge. In XX/XX/2020 Hurricane Sally hit and we had Loss of Use and some damage to the condo. I went to file the loss on my policy, only to be told I was NOT insured. After much discussion and communication ( see attachment ) I reached out to the Customer Service dept at XXXX, after I got no help from XXXX. To be clear, I was never informed that due to a clerical issue the escrowed amount would not be released, and never did my mortgage payment change to reflect that. I investigated further and the small act of XXXX calling me and or speaking to my insurance rep about the issue would have set in motion the adding and or changing of the policy name to as simple as a call. Bancorp South has my complaint in house for over a month and are now not returned my calls. 

Due to my not being able to claim Loss of Use and receive funds to compensate and the fact that I can not rent my condo means I am at a deficit. I am close to not being able to pay my mortgage and loosing my property. I need a resolution and I want XXXX to reimburse me what I would have relieved from my insurance company to keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. 

They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below : XXXX XXXX  -- XXXX XXXX/XXXX  -- XXXX ( {$1000.00}, {$2000.00} ) XXXX XXXX -- 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 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I logged into my BarclayCard American Airline Advantage card yesterday ( XX/XX/XXXX ) and saw that I was 30 days + past due, was reported 30 days late to the credit reporting agencies, assessed 2 months of late fees and I never received notification about this from any communication method. I immediately scheduled a payment online to bring my account up to date and set up auto pay, which I had turned on before, but apparently they must have turned off. I routinely pay this account 1-2 times a month, about $ XXXX each billing cycle. It seems odd and deceptive, and abusive, that the credit card company did not contact me. I have never been reported late on any account in my 23+ year history and fear I, like many Americans, have been unfairly discriminated against and taken advantage to support this type of corporate greed. I have sent a letter to the Billing Disputes department ( XX/XX/XXXX ) and plan to also send to the customer complaints department and office of the CEO. As a result of this action by Barclay, a credit card account I had with XXXX  XXXX XXXX for 23+ years was just closed on XX/XX/XXXX. In a time where Americans need financial assistance due to one of the most challenging economic recessions and pandemic we have experienced in US history. I am seeking your help as an American and a Consumer that is asking for our government to protect my rights and not be a victim of corporate greed.

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 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
In 2016 I was involved in a domestic situation. During that time, my partner did not have a car and mine was used by us both for transportation. That car ended up having to be replaced. I went to XXXX XXXX in XXXX NC to purchase a new car, however was forced at that time to co-sign for a car for her as well. At this time because I knew how much I had been abused, no matter what signs I gave the salesman they pressured me to co-sign as well. Stated why not " 2 in one day '' At this time I co-signed for her car and signed for mine, we both received a XXXX XXXX XXXX. The cars were both financed through the same company, NMAC. Nissan 's finance company. As a consumer my income did not support two loans. These cars again were financed on the same day, by the same company, this made the sale unfair. The salesman was not concerned about me at the time, my income, it was only to gain a sale, knowing I could not afford it affecting my credit worthiness. I was young at the time as well, 2 years out of college. I satisfied my loan but because she could not afford the second loan, nor could I, she got the car repossessed ( Vin ending in XXXX ) and the repossession is now on my credit file. With this sale, it broke laws according to the UDAPP- Unfair, Deceptive, & Abusive Acts and Practices. I have contacted Nissan 's loss recovery department on XX/XX/XXXX, XX/XX/XXXX at XXXX ( Spoke with XXXX-gave me service req # XXXX ) on XX/XX/XXXX at XXXX ( Spoke with XXXX ) and requested a copy of the sales agreement from this day, all three times they stated they mailed it, except XXXX, she stated she would email it, I have yet to receive this sales agreement. I spoke to a sales representative at XXXX XXXX XXXX in XXXX NC to see if I could obtain anything from them, but he stated they did not use the same system. He also stated to me that Nissan would not send me that information because they knew they were in the wrong for making that sale

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer on credit report. I don't work for XXXX XXXX. I work for 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 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital recently responded to a complaint that I initiated refusing to delete the accounts that I disputed on my credit reports. 

However, LVNV/Resurgent is violating the FCRA by listing themselves as a " Factoring Company '' for these accounts. Factoring companies collect account receivables that are not in default at time of purchase, not alleged charged off accounts, as it is prohibited by law for them to do so. LVNV/Resurgent clearly stated in their response letter that was sent to me that they purchased the debts after they were charged off, making them a junk debt buyer, not a factoring company. Due to this fact, LVNV/Resurgent is in violation of the following : 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the accounts as " factoring company '' account.

15 USC 1692e ( 2 ) ( A ) as falsely reporting the legal stat
us of the accounts as not in default.

15 USC 1692e by communicating credit information which is known or which should be known as false, by reporting the accounts as factoring company accounts.

15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the accounts as " factoring company '' accounts.

15 USC 1692e ( 12 ) by alleging that the accounts were " factoring company '' accounts resulting in the false representation or implication that the accounts have been turned over to innocent purchasers for value.

15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debts by reporting the accounts as " factor company '' accounts to deceive current and potential creditors and to negatively impact my credit score. 

If LVNV/Resurgent wishes to resolve this matter without court action, they will delete these accounts from my credit reports within 7 days. If not, I will initiate a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been receiving multiple harassing phone calls from American Education Services and have sent them a certified letter to stop contacting me and they have refused. 

They are not offering me any feasible payment plans and continue to bombard me phone calls and offer no real solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-03 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: CITIBANK, N.A.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to XX/XX/XXXX. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/XX/XX/XXXX This information reflects on my XX/XX/XXXXcredit report and XX/XX/XXXX reporting. My report this morning reflects zero accounts in collections. I have an email from XX/XX/XXXX that I paid off a collection account with XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been disputing this Authorizer user account with NORDSTM/TD XXXX and XX/XX/XXXX XXXX multiple times. I already sent letters directly to NORDSTM/TD, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX and XX/XX/XXXXrequesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that NORDSTROM TD BANK would do my request. 

1. NORDSTM/TD XXXX 2.XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Regions bank in regards to my credit line ending # XXXX which was put deferred on XX/XX/XXXX which is for 3 months and payment was due in XXXX. I spoke to XXXX XXXX on XX/XX/XXXX as well to confirm that deferred had been successful which I was told it was completed and to just wait on the credit reporting to update. I made another call on XX/XX/XXXX which XXXX XXXX was not available but told me that the credit reporting department was still working on it. I made my XXXX payment on both accounts as discussed. Now today, I get alert from XX/XX/XXXXthat Regions is flagging my account as late which on my account it shows current and next payment due XX/XX/XXXX. I contact Regions again today, spoke with XXXX who imessaged XXXX XXXX and was told that my request for credit update on # XXXX was denied but the deferment had been approved. With your account being under deferred no late payments are reported to the credit bureaus. I was told the late payments showing in XXXX and XXXX would be removed. Now no one is talking responsibility for what I was told. I even made a payment on XX/XX/XXXX as good faith in result of the deferment being added. I have contactedXX/XX/XXXX- regions still has not responded and it been almost a month.

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 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I attempted to transfer {$790.00} to a friend, ( name available upon request ) through Zelle from my XXXXXX/XX/XXXX checking account. The money was suppose to go to her XXXXXX/XX/XXXX account. The money did not arrive. I filed a formal complaint with XXXX XX/XX/XXXX and their response was that the issue is with Zelle. XXXX XX/XX/XXXX called Zelle while I was in the branch and the only information they would give is that the {$790.00} was not deposited into a XX/XX/XXXX account. The transaction number is XXXX. 

I have validated that her name and phone number were correct on the transfer. I have tried to contact Zelle customer service several times without success. They accept no responsibility for losing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: PA

Complaint narrative:
I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law

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 2020-12-03 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: PA

Complaint narrative:
I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law

Company response to consumer: Closed with explanation