vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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:
I am submitting a complaint against XXXX Credit Card for failure to comply with The Fair Credit Reporting Act, specifically Section 609, 611 FCRA. I am enc, osung the response of XXXX regarding my initial complaint with the CFPB. The letter from XXXX only makes certain statements that are clearly not true and at the very least disputed. They did not provide any of the specific items they are required to provide under Section 609, 611. In fact, the FTC sued XXXX for engaging in the very same type of conduct XXXX is engaging in. P, ease fund notice of the FTC Lawsuit against XXXX fir failing to provide victims of identity theft specific information under the FCRA. XXXX XXXX has not provided ANY of the required documentation under Section 609, 611 FCRA, I did not call them in 2016 and did not make any payments to them in 2016, I was NOT in the country or able to cal, them at that time. Since their letter admits they did not provide the required documentation under Section 609, 611 FCRA any statements they made should not be considered as credible. I deny ever opening an account with them and as the furnisher of this erroneous information XXXX, XXXX and Transunion must be remove it from my file. Please be clear, XXXX provided NO proof as mandated under Section 609, 611 FCRA. Perhaps prior to responding the next time, they will read the FCRA and provide the mandated documentation they are required to.

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 2021-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: SC

Complaint narrative:
I am writing to dispute the following information in my file : <Item 1 : FEDLOAN, Federal college loan opened XX/XX/XXXX <Item 2 : US department of Education , College loan opened on XX/XX/XXXX. 

The items I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that these items be <deleted / adjusted/removed from my credit history> in order adequately reflect my true credit history on the attached report. 
I am asking you to reexamine these items and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I went to school at XXXX XXXX XXXX in XXXX Utah where I earned my Associates Degree in computerized accounting. The total loan was about XXXX. Later in XXXX I went to University of Phoenix for a few months. Most of which was pell grant. Some loans were sent to the university and were sent back. Navient counted these loans even though they were sent back to the borrower. I became XXXX with XXXX XXXX XXXX in XXXX. In XXXX Navient garnished my SSDI and also made me sign paperwork tripling my loans threatening that they would take all of my Social Security Disability. Still to this day there is a balance of XXXX on my student loans. Because of what they did I lost my house I was renting and became homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
I impound my property taxes in my escrow account with my mortgage at 5/3 Bank. I noticed my second installment of my property taxes had not been paid in XXXX and contacted 5/3 Bank several times. Each time a representative said the property taxes would be paid on time. However, 5/3 Bank failed to pay my property taxes on time and I was charged an interest fee of {$100.00} by XXXX XXXX County, MD. I had to pay more money in taxes as a result of their negligence. After I paid my second installment of my property taxes out of pocket, 5/3 bank emailed me saying their research showed they had made an error and they would be correcting it for next year ( this is irrelevant since I am refinancing to another lender anyway ). However, 5/3 Bank knew the full amount due of my property taxes due because they had to adjust my escrow fees and withholding for calendar year XXXX. The full amount of my property taxes was known and documented in my Annual Mortgage Escrow Statement ( page 3 ) dated XX/XX/XXXX, so there was no reason my property taxes should not have been paid on time. I was charged interest fees on my taxes as a result of their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in the FCRA.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: CA

Complaint narrative:
Hello, This company AVANTE USA, showed up on my credit report but I never received an official notice of dispute to even verify the debt. This company has unlawfully reported a debt relating to " XXXX XXXX '' and I don't even know this company nor the debt that they claim I owe. I do not owe this debt.

This is not right and needs to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I received a collection notice in the mail from Mountain Run Solutuons on Saturday, XX/XX/XXXX, XXXX I dont have any collection accounts and pay my bills on time. I was a little bit taken aback by a collection notice. I called them to find out more information. The rep told me that this was from an old home security system that was charged off in XXXX. First of all, I pay every bill when its due. This is not my debt. However, my bigger concern is that this company used deceptive business practices to try to collect money from me. The first person I spoke with told me they have been sending notices to my home address since XX/XX/XXXX. I didnt live in this house at that time, so I knew this wasnt truthful. It was then that I was shocked by the deception and asked to speak to a supervisor. When I called back when the supervisor ( XXXX ) was on duty, she confirmed that I could be sued for this debt. But, from my research it seems its past the statute of limitations for legal action in my state. When I mentioned this, she got very defensive and said that I can report this to whoever I wanted but refused to give me an internal name I could write to. She continued to treat me as a low life person who simply refuses to pay bills by saying, you can report this to whoever you want, but you still have to pay your bills! I felt belittled by her implications. I plan to dispute this {$370.00} debt when it comes on my credit, but my bigger concern was their deceptive and bullying practices. These type of tactics can be very intimidating to the average consumer. I felt it important to notify the FTC.

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened up bank account with US Bank in approximately XX/XX/2020. The opening deposit was approximately $ XXXX. Over a few weeks, several thousands of my own cash was deposited. 

The account was closed due to high risk and questionable activity. In approx XX/XX/2020, I was scammed by several people, in which they requested goods and XXXX 'd me money. The goods were provided and they disputed the transaction with the excuse that my business was either fraudulent or that their XXXX account was hacked. 

To be clear, the " goods '' received were not illegal. No goods are shipped or released without proof of a completed status shown in the XXXX screenshot. We match the confirmation number in the screenshot with the confirmation number or our end. I have copies of every transaction along with screenshots proving they requested the goods and what specifically the " goods '' were. However, US Bank never requested copies of these documents. No fair investigation was preformed. They just froze the account for several months, refunded disputed XXXX to customers, and eventually closed the account. At the time of closing, after all refunded XXXX I had over {$34000.00}. No funds have been released and it's going on 6 months.

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 2021-01-25 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: IL

Complaint narrative:
Hello, In 2015 I filed for chapter XXXX bankruptcy. Since I filed- XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not been reporting correct information to the credit bureaus. They list charge-offs after my bankruptcy up until as recent as last month. They also were reporting an accurate payment in past due amounts shortly after I filed for bankruptcy. 

I filed a dispute the dispute came back and nothing was corrected in fact it was made worse. I contacted the credit unions and they basically told me everything was correct. I spoke with XXXX at preferred credit Union who is the head of collections and she said the information was correct there was nothing she could do. I spoke with the team at XXXX XXXX and they said the same thing. 

It is my understanding that they can not report charge offs after I filed for bankruptcy. I would like this information corrected. 

I contacted my bankruptcy attorney and they suggested that I file a complaint. So that is why I am filing this complaint today.

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 2021-01-25 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I watched an online presentation from XXXX about their affiliate marketing program and the company charged my Chase credit card account {$3000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX.. The company promised to send profits made to me and was told that I could withdraw the money at anytime. XXXX refused to pay me any of the commission that I was promised. I contacted Chase bank which is the credit card company which holds the charges by email in XX/XX/XXXX advising Chase that this company was a scam and I wanted my money back. I filled out an affidavit on XX/XX/XXXX with documentation that they requested. XXXX asked for additional paperwork on XX/XX/XXXX and I sent the documentation by fax. I have received several letters from Chase advising that the charge made to XXXX is a valid charge. I received the same letter about the charge being valid on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX. I am not disputing that the charge was made, I advised then that this company was a scam and they did not honor their agreement of paying commission to me and I wanted my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IN

Complaint narrative:
I called the company after reaching out to the XXXX XXXX I spoke with XXXX one of the managers there and she told me that I had a balance of XXXX and that I should not have to pay a collections agency and that as long as I send it to them that amount would be removed. I called them and spoke with XXXX sent over the information that was sent to me and he became defensive when I told him that XXXX told me that they would need to reach out to XXXX XXXX. When I finally got to XXXX I was crying and in hysterics and he began to attack me. He verbally abused me over the phone and when I try to get his first and last name he smugly told me bothHis first and last name and begin to verbally abuse me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
The collection was deleted from my account with XXXX XXXX XXXX because it was deemed to not be mine since I have no affiliation with any of the companies involved. That company then sold the deleted item to Paramount Recovery Systems and they have put it back on my credit. I have contact the company in efforts to remove the item but they said they had no documentation of the debt in house, and I would need to wait 4-6 weeks to get the debt validated. Below is the Experian file with the deleted item. I would like this item removed fro m my credit ASAP. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I paid this account with Navient and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: LA

Complaint narrative:
On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.

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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-25 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: NJ

Complaint narrative:
HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks

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 2021-01-25 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: NY

Complaint narrative:
I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX  and TransUnion credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.

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