vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: TX

Complaint narrative:
XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no 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 explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no 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 explanation
Consumer complaint received 2021-04-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
The account i have been disputing with XXXX  is the account BPPR - Banco Popular de Puerto Rico Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX Second XX/XX/XXXX Third XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I applied for some lending. I was denied. I was told I have a collection account on my credit. I have never received any calls, emails or mailing concerning and collection account. I was provided a company name from the creditor that we applied for lending. I googled the company and its a collection company called IC Systems. I contacted them and the researched under my social security number, name, address date of birth and said I do not have anything on file for them. So I contacted XXXX XXXX and wanted to dispute findings. I was told nothing at all for collections on my file. A month goes by and I get a notice from XXXX XXXX that there a change in my credit file since I am a member of the credit watch for 8 years now. I contact them and innate dispute. since they can now see it on my file. I get a mailer from them that says they updated my file to show its a valid debt. I contact IC Systems back and still I'm told nothing nothing on file. I literally had to tell them I suspect fraud has been done. She then tells me that under my social the have a file in a completely different name and in the state of North Carolina about 700 miles away from me. She then gives me the name of the creditor that is reporting the info. I tried calling them and was on hold for 49 mins before hanging up. I googled how to report a fraud on there system which is Spectrum which is a internet/cell company and there like 20 documents that they want, including a police report, utility bill, copy of my id and notarized. I have no problem supplying, but they want you to fax it in. in this packet I am submitting it contains my social security.. The main issue is they say it could take over 6 weeks to correct the issue. That is just unacceptable!!!!! I feel if they as a company would have done the job correctly in the first place then none of this would have happened. I feel that a company should verify a persons identity when applying for a item that involves credit when making a purchase. I have had my credit locked with XXXX XXXX, XXXX and XXXX. Had Spectrum done there job correctly then they would of seen or had notice my credit is locked. I don't feel I should suffer 6 plus weeks for there mistake.

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 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XXXX of XXXX, I faxed CareCredit Synchrony Bank to enact my Servicemembers Civil Relief Act Benefits providing a letter / fax requesting the benefits as well as providing all the necessary documents needed to enact benefits. While CareCredit Synchrony Bank has lowered my apr to 0 %, they have yet to prorate the balance from XXXX XXXX as indicated on the letter and correspondence they provided. I have additional Synchrony bank accounts for my Amazon  card and XXXX Maxx card which have lowered the APR to 0 % as well have prorated the balance. Despite repeated phone and fax attempts to get information from CareCredit Synchrony Bank regarding my prorated balance, they either can not provide me with information or in a phone call on XX/XX/XXXX told me that the balance will be prorated for my May Statement. I have received my May Statement and the balance still remains not prorated. I have continued to make my monthly payments on time. I most recently contacted Synchrony Bank today, XX/XX/XXXX who wanted me to once again send a letter or fax regarding benefits which I already did on XX/XX/XXXX and received no correspondence nor information from Synchrony Bank. I took the liberty of sending an additional fax today XX/XX/XXXX to CareCredit Synchrony Bank per the advice with customer service agent I spoke with today XX/XX/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 2021-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My daughter 's student loans ( I'm the cosigner ) have recently been transferred from XXXX XXXX to Firstmark Services. Many letters were received but none referenced her new XXXX account number. I mailed a personal check on XX/XX/21 ( the check was dtd XX/XX/21 ) to the specified XXXX XXXX in XXXX XXXX. Along with the check I mailed detailed information ( personal info for my daughter so they could identify her account ). This check cleared my bank account on XX/XX/21. I've repeatedly contacted XXXX 's customer service dept. by phone asking them to post this payment against the account ( it is showing past due and I'm receiving emails multiple times per week threatening to report this late payment to my credit ). After asking to speak with a supervisor I was told on XX/XX/21 that the only way they would do anything was to upload proof of payment to their portal. I did this on XX/XX/21 and this has been acknowledged on every call to them since. They still, however, have not posted the payment. Each time I call I get a different promise date for posting. Today I was told that they couldn't give me a date for it to be posted as these matters are handled in the order in which they are received. The customer service person told me this would not be reported to my credit or my daughter 's credit but when I asked for that in writing she said she could not provide that. The payment was due on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and I found a late payments reporting 90 days late from XX/XX/2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: IL

Complaint narrative:
I have a car loan showing on my credit report as " in good standing ''. I have tried multiple times to dispute this account through transunion since XXXX. This auto loan was closed back in XX/XX/XXXXdue to repossession. The original creditor refuses to update the information causing me to be unable to obtain a car loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, a nonprofit organization which I represent had an online subscription with XXXX which it later canceled because there was no activity. 
At the time the subscription was cancelled, the organization was not owing XXXX any money. 

Latter eBay sent fake invoice to XXXX XXXX XXXX XXXX XXXX XXXX Place, XXXX XXXX, XXXX, VA XXXX. They contacted me by mail dated XX/XX/2021 stating that I owed XXXX. 

On XX/XX/XXXX, I responded that I do not have any responsibility and disputed the validity of the debt they trying to collect. 

I received another mail again dated XX/XX/2021 from Allied International Credit Corp. Cover letter signed by XXXX XXXX XXXX Managing Coach. The envelope contained fake invoices. 

Again, on XX/XX/2021 I received another email from eBay with these words " Your eBay invoice for the period from XX/XX/2021 through XX/XX/2021 is now available to view in any web browser. '' XXXX is harassing me with fake invoices that I have no responsibility. As stated earlier, I do not have any active subscription with eBay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc.
State: WI

Complaint narrative:
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. They have not provided any written communication within 5 days. 

Here are a few of the calls. XXXX XXXX XXXX is what shows on Caller ID. When answered, no one is there. 
Called from XXXX on XX/XX/XXXX at XXXX pm Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MI

Complaint narrative:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

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 2021-04-20 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:
The account i have been disputing with TransUnion is the account XXXX - XXXX XXXX XXXX XXXX XXXX Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except TransUnion

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis XXXX # : XXXX Case # : XXXX Bankruptcy Record 1 is showing a record source of MO FEDERAL BANKRUPTCY XXXX. Attached letter from MO FEDERAL BANKRUPTCY shows the court does not verify such info. I would like the record removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I took a loan out for a XXXX XXXX XXXX Bank of America and they have been charging me double for the last two months. They claim it is a system error but its happened the last 60 days. They say its happening to other customers yet they have not fixed it yet and they are scamming customers out of double payments.

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX, XXXX in XXXX, Colorado has reported me late on my mortgage 120 days. 

This is not true. 

They also reported that my mortgage was restructured the first of this year. 

That is also not true. 

Their incompetence has cost me over 100 points on my credit and this is not the first time they tried this. They are trying to go legit but are so horribly incompetent that they can not handle mortgages. I will be reporting this story to whomever I can find in the government and also to the Oregon Department of Financial Regulation. 

I have never been late with a mortgage payment in reality but with this " company '' I have been twice. They reported me over 7 years ago for being late which I fought and was able to prove that they just did not post my mortgage payment. 

I called this morning after not sleeping all night and they have to have a manager call me back sometime today. Well I work for a living and why can not the manager that was texting with the person I was talking to call me back now? Great customer service SLS.

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 2021-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I have been dealing with Flagship Credit Acceptance since XXXX of XXXX trying to get them to lower my payment or let me make arrangements due to XXXX and being out sick from XX/XX/XXXX through XX/XX/XXXX. They not only didn't respond to any of my requests but they closed my account in XXXX of XXXX, wrote it off and have been sending threatening letters and tow truck driver by my XXXX year old mothers house in Delaware. Threatening to force foreclosure on my mothers house. Sending people by my place of employment sitting out front taking pictures of my XXXX XXXX. They now want XXXX for the loan balance and not the back pay of XXXX. I contacted a bankruptcy lawyer yesterday XX/XX/XXXX because the XXXX is not even worth XXXX it has over XXXX miles and is falling apart, but because they closed my account and now report XXXX on my credit I can not even get a auto loan to get anything new.

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 2021-04-20 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: VA

Complaint narrative:
I already submitted problem report XXXX. After getting a response to this that my name had been changed, I tried to access my myEquifax account under the email XXXX. I was unable to do this so I called a representative. I discovered that it is possible that this email is attached to my son 's myEquifax account. After speaking with the representative, he tried to send me a link to reset my password. At this point, I do not know who owns the XXXX. To make matters much, much, much worse, the representative sent an email that XXXX XXXX 's email has been changed to XXXX ( no problem XXXX but then sent another email that XXXX XXXX 's email has been changed to XXXX. XXXX is not owned by either of us. This is very troubling because I did not authorize any change to XXXX XXXX 's account. This is a violation of his privacy. 

I spoke to XXXX, supervisor id XXXX. She could not help me with this problem. 
At this point, you XXXX XXXX XXXX XXXX and XXXX as account logins from your system. This is the only way that I can be assured that no one can access mine or my son 's information by using these logins. 

At this point, I never want to use the myEquifax system again and want absolutely no way that anyone can access our information by using logins XXXX or XXXX. I have attached the emails that were sent to me when speaking with your representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There is a mortgage with XXXX  XXXX reporting on my TransUnion report and it's indicating that it's in Bankruptcy and that is not the case there is no Bankruptcy on that account. This is false information

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 2021-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I used my card to many times trying to get my money out of this account and they at that point said I Need to verify my identity and that's silly I had already so I told them to close it and send me he money that Was in that account I haven't hear a word. They kept my money and it's been almost a year ...

Company response to consumer: Closed with explanation