vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: OH

Complaint narrative:
CFPB- STOP Saying I need to go to the OCC XXXX They said I need to go through you! My name is XXXX XXXX. My account number is XXXX. I have filed THREE FARUD disputes with XXXX XXXX! They failed to cease the negative reporting during their investigation which is a violation of FCRA and Reg Z 1026.13 specific to Billing Disputes. In addition, XXXX XXXX NEVER sent me a billing statement not electronic or by mail until i sent in my first dispute! This does not solve for their violation of Reg Z 1026.5! There are three regulatory violations here! Plus then they CHARGE OFF the account and ruined my credit!!! I am already impacted by COVID as in I had it and still suffering! I do not need this also! I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b  ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

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 2020-08-28 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: AR

Complaint narrative:
I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-08-28 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: AR

Complaint narrative:
I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays Credit card Company XX/XX/XXXX charge {$3500.00} XX/XX/XXXX Credit {$3500.00} XX/XX/XXXX charge XXXX XX/XX/XXXX. Credit XXXX I disputed these charges to the credit card company as well as wyndam. 

A compliant was filed and they agreed to credit my account for another {$3500.00} and {$1000.00} for all other payments received. 

On XX/XX/XXXX I receive the reimbursement. 

On XX/XX/XXXX they charged back the {$3500.00} and {$1000.00}. 

They have ruined my credit and refuse to readjust the amounts owed to me. Please help 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 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my wife and I got married and purchased a {$3000.00} XXXX voucher for a honeymoon trip to XXXX. Shortly after, COVID-19 was just starting to takeover things in the US. We had not booked anything and thought it was too risky, and we contacted XXXX to cancel the vacation on XX/XX/XXXX. 

They promised a full refund ( provided we hadn't booked anything yet which we had not and never have ) but never delivered. 

After going back & forth with XXXX  and them lying about promising a refund, we opened a dispute with Citi cards on the credit card we used to pay for the honeymoon. 

This has been an ongoing process with Citi that is STILL on going. It feels like no one is on our side. All the rules are favored towards the merchant ( XXXX ). I'm still fighting this dispute with Citi. I have no intentions of ever paying {$3000.00} for a trip that we were never able to take. 

XXXX 's contention is that they never promised a refund to our card, but instead for XXXX credit. This is a blatant lie. I've attached our saved conversations with XXXX where they make this lie even after a rep. explicitly promised us a refund to our credit card. 

I don't know why Citi has not closed this. It seems like its a never ending process. I dispute the charge, then XXXX gets a chance to " respond '', then the process starts all over again? 

I don't know when we started the dispute with Citi but it was in either late XXXX or early XXXX of XXXX. Again, its still on going.

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 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings 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 immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
I attempted to cancel the Private Mortgage Insurance premium as my balance was lower than the percentage required. 
After being denied the ability at the branch, I was told to call. Transferred to another line, I was told to email my request which I did on XX/XX/XXXX. 
I followed up weeks later and was literally laughed at, as they had corrupted my email request in an inter-department transfer. I again emailed a new request. 
I received a denial by mail dated XX/XX/XXXX citing delinquent payments as a reason for denial. I called and confirmed that no late payments existed- the system had erroneously counted the 90 day COVID forbearance program as late- despite guarantees it would not. I had fully payed up the 90 day forbearance, and the current months payment on XX/XX/XXXX. 
After confirming I was up to date and this denial should have been an error, I again emailed a request XX/XX/XXXX. 
I again heard nothing and contacted, and was instructed to email about the error, and request reimbursement for the XXXX additional PMI payments I will have made while the delay occurred and emailed on XX/XX/XXXX. 
Yesterday on XX/XX/XXXX I contacted again, was told they havent made any progress, and would be contacted today XX/XX/XXXX. No contact had occurred and I am still unable to process my cancellation, Or the additional refund for my excess payments to PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-08-28 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have an open account with TD Auto Finance and make a monthly minimum payment of around {$360.00}. Lately all my payments have been on time however there was a time where i made frequent late payments due to financial hardships caused by medical health issues. Im just now starting to get over these medical issues and am looking forward to rebuilding my life and credit report with on time payments, responsibility, and good will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've taken the liberty to look through my credit profile and noticed that my accounts had quite a few errors on it. I saw that I was 30 days late on some of the accounts attached and I've never been late on any of my payments and disappointed that this has happened after carefully been avoiding that from ever happening. I don't know if this was a clerical error or some fraudulent activity is happening but I would greatly appreciate if this matter can get handled.

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 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Time Investment Company, Inc.
State: OH

Complaint narrative:
XXXX payment was set up on an automatic payment plan with Time Investment Co. In XXXX I discovered that they had cancelled my automatic payment without notifying me. By the time I discovered this my next payment was already late. I made my payment through online banking through my checking account. I gave the company the check number, and proof that payment was made and asked them to stop calling me 3 times a day in writing on XX/XX/XXXX. They continued to call 3 times a day and email daily. On XX/XX/XXXX I told them again in email to stop calling me or I would report them for harrassing me. On XX/XX/XXXX they cashed the check, but they have continued to call me 3 times a day and email me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled 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 2020-08-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled 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 2020-08-28 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I leased a XXXX XXXX XXXX from Kia Finance. It was a three year lease due to be paid off on XX/XX/XXXX. 
I bought the car at the XXXX XXXX on XX/XX/XXXX. XXXX  XXXX gave me the loan. On XX/XX/XXXX, Kia was paid {$17.00}, XXXX and my lease was paid in full. On my most current credit report, the account shows closed instead of paid and my credit score went DOWN 11 points! I called Kia Finance and they said if you buy the car from them, they show paid but if you pay your lease in full, they show closed. I tried to buy the car from Kia but they never answered my emails. This can not be fair on a credit report. The report said you should keep your older accounts open-well, not if it's paid in full! Please help-this is totally not right to penalize a consumer for paying their bill! Thank you!

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 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
In XXXX sometime, I received a call from a PRIVATE NUMBER!! I answered and it was Phoenix Financial Service Collections. They said this was a LEAGL Matter! Being very scared and dealing with a husband who has XXXX I freaked out. They told me, They were collecting a debt of {$400.00}. I then said, your taking legal action against me, if I do not pay this and they said, YES! I need to pay or they would see me in court! I demanded a bill for what it was they were trying to cleat as I have NO accounting for owing any medical bills at ALL! I then said, your calling a Cell Phone without express written consent which violated TCPA. At that point he said, he had no clue he was calling a cell phone and hung up on me! I never received a bill or anything! Which is a violation of my rights under the FDCPA! And now there is a charge off on my credit! This needs to be fixed ASAP? 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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: DE

Complaint narrative:
I applied for a loan through XXXX XXXX XXXX and received a letter approving the loan. However, one of the credit reporting agencies Sage Stream, LLC [ www.sagestreamllc.com ] was unknown to me as on e of the major crediting reporting bureaus. I reached out to Sage Stream LLC at XXXX. This company is trying to create a data base of users asking for personally identifiable information, ( PII ). After researching this company via reviews i.e XXXX and XXXX XXXX. It appears that this is an attempt at predatory lending, as the reviews consistently show that their credit reporting modules are lowering consumers credit scores at least 200 points lower than the three major credit reporting. This gives the lenders an opportunity to charge a higher interest rate for a loan. 

It is my opinion that as a result of XXXX XXXX XXXX  using Sage Stream LLC, I  was charged a higher interest rate for someone with my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
During the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, this company continues to deleted their collection off my credit and then have it hit me credit again a few days later. This company does this several times per month. This company has resulted in over 100 points being deleted from my credit for deleted and re-adding. Ive discussed with them numerous times that Im a social security XXXX recipient and unable to pay this debt, and they continue to threaten to take me to jail and seize my bank regardless of my income source. This company contacts me over 25 times per week, and continues to use vulgar and inappropriate language towards when we discuss via telephone.

Company response to consumer: Closed with explanation