vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: TX

Complaint narrative:
* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX credit score in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TX

Complaint narrative:
* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX XXXX XXXX in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in 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 non-monetary relief
Consumer complaint received 2021-11-13 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I was applying for a refi. XX/XX/XXXX I was told my credit score went from XXXX to XXXX because of a negative report by a collections company report for {$1600.00} due to XXXX. XXXX I called XXXX, gave my account number, told them I returned their modem XX/XX/XXXX, the day before moving to XXXX from XXXX, I could not find the XXXX receipt. She submitted a dispute ticket. No updates XXXX and XXXX. XX/XX/XXXX I called Sequium Collections, told them the XXXX info, they offered to settle for {$900.00}. Their info is all incorrect : name, DOB, address, account number. Only SS last 4 digits were right. XX/XX/XXXX I called XXXX, gave MY account number, who said my account had a " credit balance '' of {$74.00}, and it was NOT sent to collections. I never received invoices for the {$74.00} if its was owed. Just to be careful, I paid {$74.00} with a credit card, got a confirmation number, and we agreed that if it was not owed, they would pay me back. She said customer service dept will handle this by XX/XX/XXXX, and they will fix the problem with the collection company, gave me a reference number. I requested and received an email from them stating that MY account balance was XXXX. I sent info to XXXX, who immediately removed it from my info. XXXX and XXXX are still " investigating. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I recently went online to XXXX to learn about public loan forgiveness. I did not know that all this time, I've been playing back federal loans under the wrong plan. the website suggested I apply for the new program since I had more than 10 years of payment. I applied and have heard nothing. I also applied in XXXX and XXXX. I went back to the site in early XXXX to make sure I submitted everything I was supposed to submit to be eligible. when I went through the advice website ( which was not updated ) I was told to apply for an XXXX repayment plan and to consolidate my loans. I had two federal loans, one for my school and another a PLUS loan for my daughter. I tried for several days to call the phone number given but never got through, on a few occasions, when they called me back, they hung up on me before answering. In a panic, I filled out everything and got my husband to sign. I went back to the site on XX/XX/XXXX and created an account on XXXX to see if I could find the status of my application. in the electronic inbox, there were two letters stating that I should reconsider consolidating and that they were almost done with consolidating my loan. There is no way I would have seen letters in an electronic inbox of an account I had not signed up for ... .the letter stated that I would have to start over in order to qualify for the PSLF program. I paniced and called them to no avail, then ai sent an email stating that I never received the warning letters and to please stop the consolidating process. ON THAT DAY they quickly completed the process and paid off my loan. Now I am stuck with a consolidated loan I did not want and I've lost 10 years of repayment. It turns out that I was supposed to only apply for an ICR payment plan but the application is confusing and suggests that you also fill out the consolidation piece. It also states that you can not get PSLF if your loan servicer is not Fed Loan. I thought that since I did not fill out the consolidation form in XXXX or XXXX that was the reason they did not have my paperwork. this is fraud. I would like to see all of my applications that I sent to XXXX since XXXX and the documents that state exactly when they completed my consolidation. also, I want receipts that they actually sent me the XXXX letters warning me about consolidation to my home address or email address. this mistake has cost me more than repayment of my {$200000.00} loan, since I am XXXX I will not have 25 years of work to pay off the rest of the loan and I was told that I will not get my government retirement because I have loans due. PLEASE HELP ME I do not know where to turn and this is unfair. There is no reason that I would consolidate my loan if I had known that m y 10 years of repayment while working in public service would be lost. thanks for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$200.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I have had issues with the billing on my account since earlier this year. See XXXX for the initial complaint. In XXXX, they sent me notice that I was past due ( reoccurring payment was in place ). I went in a paid the payment due and inquired as to why it wasn't deducted. They said not to worry, things were fine and the account was fixed. Then my account was debited for the payment on XXXX. According to their explanations, the reoccurring payment was taken out on the due date but didn't post to my account until XXXX. They said the past due notice was system generated and they had no way of not generating that. This caused my account to be double paid in the same month because of their errors. My bills don't show the total amount due or a breakdown of the charges per my loan documents. I get a bill now and it shows it is due for twice the amount because according to the UAS representatives, the lender is choosing to bill that way and they have no control over the fact that is shows two months at a time on one bill. They said only pay the amount due for the month but I do not get anything showing what that is. Even when I go online, there is a current amount due but it also shows a greater amount due as the outstanding balance to pay with the due date of the current month. When I get my statement, it shows the amount of interest that accrued for the month but the total amount due is much higher. There is no transparency in billing practices and when I contact UAS connect, they just blame the lender, Summit, and go no further to resolve the issues. The last message I sent, I requested contact information as to who I needed to speak with to resolve the issues with Summit and got no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: GA

Complaint narrative:
XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I called to pay off the {$80.00} balance with my Macys that I found on my XXXX report. I spoke to a male and he took my credit card info to process post dated payments for XXXX XX/XX/XXXX. I called on XX/XX/XXXX because my first payment hasnt been drafted yet. The lady on the phone told me I no longer had an account and she didnt see a payment plan made because there is no acct and they are no longer collecting the {$80.00}. Im not sure why this was not told to me when I spoke to the first rep. He took my credit card information to pay for it and read me the whole script about my payment. I dont know why he really did with my info if he didnt have an account to enter it. I asked them to have a manger listen to that call and call me back and I havent heard anything yet

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 2021-11-13 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: VA

Complaint narrative:
I recently disputed the following accounts but all three credit reporting agencies closed the investigation and said the following info was accurate when in fact it was identity theft. I attached the companies response below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: GA

Complaint narrative:
I am filing this complaint as my self Experian had placed 15 un authorized inquiries on my crdit report Reported inquiries without my written consent a violation under 15usc1681 ( a ) ( 4 ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.

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 2021-11-13 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: VA

Complaint narrative:
I recently disputed the following accounts but all three credit reporting agencies closed the investigation and said the following info was accurate when in fact it was identity theft. I attached the companies response below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing this to submit a formal complaint about XXXX XXXX XXXX formerly located at XXXX XXXX XXXX, XXXX, GA XXXX. They have falsely reported the amount {$6100.00} to the credit Bureau. I have never not paid my rent. I had no damage to my apartment. When I moved from XXXX XXXX I did not owe them any money for anything. In fact, the apartments owes me my initial rent deposit. When I moved in to the neighborhood I made a deposit for my apartment at XXXX at XXXX XXXX. After 7 years of residing in the community the company known as XXXX XXXX bought the neighborhood from XXXX at XXXX in approximately the year XXXX. When it was time to renew my lease I decided not to renew and to ultimately move out because the new owners XXXX XXXX XXXX management was aggressively harassing and bullying the residents to pay them extra money that the residents didn't owe. My rent was {$560.00} in XXXX for a 1 bedroom apartment. When they wanted me to renew my lease they told me that my renewal rate would be {$1200.00} per month for my apartment. So I moved out then they processed a false eviction and sent it to me and the court in XXXX XXXX. When I moved out I did not owe them any money at all. They were trying to renovate the apartments they were trying these tactics to gain money for the renovations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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:
Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In 2018, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I saw unauthorized transactions from a company I have never heard of in my checking account. Something called Money Lion. On XX/XX/2021 Someone set up an account under my name with Money Lion and they proceeded to make 2 charges under : XXXX XXXX XXXX via this Money Lion company both charges were {$500.00} each. I also received a phone call with the caller ID as my bank name and the bank told me they never even called me. I have contacted Money Lion and they closed the unauthorized account which they say was made on the same exact day as these charges showed up in my checking account, XX/XX/XXXX. I went to the bank yesterday XXXX and sat with a banker to tell them of the fraud that has taken place. My bank has closed my checking account. Today I emailed and called this Money Lion to report this and they told me they would close it. I want this investigated as I am terribly upset and concerned!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
During mid-XX/XX/XXXX, I received notice from the USPS that it had unsuccessfully attempted to deliver a letter from Huntington Bank ( which had been my bank for business and personal checking and savings accounts for over 20 years ). The notice gave no indication of the content of the letter, so I took little notice. A few days later, in conversation with my estranged wife, who also held accounts with Huntington, I learned that she'd received notice that all of her Huntington Accounts were being closed by the bank because she had " exceeded the risk threshhold. '' I immediately called the customer service center, where ( after being transferred once or twice ) I was only told that my accounts were to be involuntarily closed on or around XX/XX/2021. The call center reps were either unable to or prohibited from explaining why. I mentioned that I had received no formal notice until this, so I was advised a second letter would be sent. It was not actually delivered to me until well after all accounts had been closed, in XX/XX/2021. ( The letter said roughly the same thing -- being closed because I had " exceeded the risk threshold '' or something similar ). The representatives were unable to tell me the reason, and there was no appeal process. I spoke to my branch manager, who, although professional, could not ascertain the reason from resources within the bank, either. 

The entire scenario was disruptive to me. I'm in the midst of a Chapter XXXX bankruptcy petition, so losing access to all of my previous statements online forced me to scramble to gather my electronic statements in paper. In addition to the inconvenience in regard to my bankruptcy process, I was forced to transfer all of my business and personal banking to a new bank, which was tremendously inconvenient. I also had to rearrange my pre-scheduled/auto debit bills and expenses, including my IRS child tax credit , one vendor at a time, which led to some disrpution in my payment of my routine expenses. It also disrupted my invoicing/receivables for my business. As is common when entering a new banking relationship, many of my business receivables were placed on temporary holds for a month. Most importantly, I was never given a transparent or direct explanation as to why my banking relationship with them had been terminated by them after 20 years. Telling me my accounts are being terminated unilaterally because I somehow " exceed a risk threshold '' would be no better than me telling my wife I'm seeking a divorce on the grounds of " lack of satisfaction. '' If this is what Huntington truly is, then I thank them for showing me the truth. I have no desire to work with them ever again. And while the termination and the manner in which they gave " notice '' may or may not be legal, I'll be sharing my story with anyone and everyone I know.

Company response to consumer: Closed with explanation