vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I am having the hardest time trying to deal with Equifax. I have been in contact with them since XX/XX/2020. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 

1. XXXX XXXX XXXX 2. DP OF EDUC 3. XXXX 4. XXXX XXXX XXXX 5. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have never had Jeffersons capital for XXXX and have disputed for it to be removed. I didnt open this account and it is not under my name or any address I lived and have submitted this information to all 3 credit bureaus and only XXXX have removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: U.S. BANCORP
State: FL

Complaint narrative:
My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for US. Bank mortgage but this information is inaccurate. I disputed the reporting with XXXX in addition to US. Bank. I provided a copy of my XXXX bank statement to both U.S. Bank and XXXX. I received a document from XXXX stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. U.S. Bank sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to US Bank through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both XXXX  and US Bank claim. My bank statements reflect a transaction number for both payments in which USBank can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, US Bank dispute letter is my XX/XX/2018 bank statement from XXXX Credit Bureau.

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 2021-06-02 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 have submitted multiple disputes concerning a XXXX account and Transunion continues to close the dispute reporting it was verified as accurate. The original creditor has supplied statements and account information and it directly conflicts with the inaccurate reporting by Transunion. The latest dispute from XX/XX/XXXX shows that the account has not been updated since XX/XX/XXXX and yet claimed verified. I feel that they are not fully looking into this account and contacting the original creditor directly to look further into the dispute and would like to see how it was verified if they claim it is correct even when the original creditor has provided information that states otherwise. The account also does not align with what is being reported by 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 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: UT

Complaint narrative:
FRAUDULENT deb collection attempts ... .Received both a call and was sent a letter from Allied International Credit corp AIC attempting to collect a debt of {$77.00} from original creditor XXXX  . when checking my XXXX  account there is no communication of debt owed whatsoever. When searching the company on the internet it states these are fraudulent inquires/not legitimate and XXXX states they will never send communication in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
We applied to refinance our home loan in XX/XX/2021 and submitted all required documents by XX/XX/XXXX and received a conditional approval. Since then it has been radio silence from the lender ( TCF Bank ). They do not respond to our emails and calls and haven't been able to explain why our refi has not closed. We suspect the lender is intentionally delaying to continue to collect interest from us at the higher rate of our original mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Our mortgage forbearance ended with Mr Cooper who services a XXXX XXXX mortgage on XX/XX/2021. 
I have tried numbers times to talk to someone there. No one had helped me. I would like to put the balance due at back of mortgage and resume my payments. 
I believe it is a payment deferral. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mr Cooper # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I spoke with the District manager and went over a balance that was showing on my credit report the district manager informed me that fees occurred on the account after it charged off but refused to give me an itemized invoice showing me how much inches was occurring on the on the account when it when it charged off I have asked several times for them to give me an itemized invoice of my of my choice of loan and the balance which included their interest and fees that theyre stating it is possible that they are trying to combine an old account that was bought that was purchased from them from another lender that I am currently in dispute with. Furthermore I do not believe it is fail or should be legal for a loan company to charge interest on a charged off account and refuse to give me a statement showing the amount. This account has been charged off since 2018 and now their stating interest has accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Velocity Investments purchased a debt that the company claims I owe. This alleged debt was purchased from another debt collection agency, which purchased it from the original creditor. The supposed debt is related to an account that was closed or sold to a debt collection agency in XX/XX/XXXX ( over 4 years ago ). Velocity Investments has filed a lawsuit against me in relation to this account. Since XX/XX/XXXX, there have been no communications between myself and the original creditor OR any debt collection agency. I have not engaged with Velocity Investments in any way. I only recently learned of this lawsuit when a process server called my cell phone and left a voicemail. An online search led me to find out that a lawsuit had been filed against me in XXXX XXXX Superior Court on XX/XX/XXXX regarding an alleged debt of {$3200.00}. A Proof of Service has not been filed with the Court, yet I see in the Complaint filed that Velocity Investments alleges that I made a payment in XX/XX/XXXX. My credit report states that the last payment made was in XX/XX/XXXX, not XX/XX/XXXX. 

No contract has been signed with this company and I have not had any communications with them. The blatant aggressiveness of this company has deterred me from attempting to contact them. 

The resolution I am seeking is for this frivolous lawsuit to be terminated. This lawsuit was wrongfully filed and was done so with the purpose of harassing and intimidating 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 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: KY

Complaint narrative:
I had filed a complaint with cfpb on a account I had with ford motor credit and the Executive Analyst XXXX XXXX said that if I got this paid off with there lawyers that we could resolve this account and get it remove from all 3 of my credit reports well I was able to get my ex-wife to finish paying them and tried to call the lawyers to get the account remove they said I needed to get back with ford but no one was able to get me to XXXX XXXX to try and get this resolved. I then decided to try and get in touch with him with you guys now I am hoping that we will in good faith get these removed of my credit report for me showing good faith and keep on my ex-wife to pay this account off XXXX I have done everything to make sure that you guys got paid I know it not your fault for what she did But I really hope you can help me get this issue resolved and have them remove this account from my credit since I was able to get her to pay it all off again thanks for your time XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
have contacted AARGONbefore via phone/certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not invoice that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them. This medical bill was paid by insurance to original provider .I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX  XXXX from AARGON for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that XXXX XXXX mailed as explained in the letter that was mailed.Therefore if XXXX XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.

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 2021-06-02 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:
XXXX 's account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.

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 2021-06-02 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Opened a credit card with Apple at the Goldman Sachs Bank. 
Decided I don't want it paid off the amount in full and cancelled the card on XX/XX/2021. 
To date Goldman Sachs bank has not provided the necessary information to all the credit reporting companies with the correct information and my balance which was paid in full is shown on my credit as not paid. I have had numerous phone calls to the bank with nothing but excuses. I have disputed the problem with XXXX  but they have no resolve with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
OnXX/XX/2021 I bought XXXX dollars worth with coinbase. Then a few weeks later I purchased another XXXX. On XX/XX/XXXX I received a notice that my password had been changed and if it was not me to shut down my account and check with my bank. On XX/XX/XXXX I noticed XXXX dollars pending in my account. Every day since then I have reached out to Coinbase. I have been unable to get into my account since that day. I literally have tried everything, from resetting my password. I have tried to trouble shoot a thousand different ways and nothing has worked .I have been told in 4 to 5 business days someone will contact me. But no one has. I have asked if I have any money left in my account. I asked to close my account. I get nothing from them!!! I dont know what else to do. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CO

Complaint narrative:
During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

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 2021-06-02 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: CO

Complaint narrative:
During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!

Company response to consumer: Closed with explanation