vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 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: PA

Complaint narrative:
This is a auto loan was opened XX/XX/2015 and is reporting different account status on credit reports showing derogatory and paid THE CREDIT REPORTING COMPANIES ARE REPORTING DIFFERNT STATUS INFORMATION FOR THIS ACCOUNT

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 2021-09-05 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: PA

Complaint narrative:
This is a auto loan was opened XX/XX/2015 and is reporting different account status on credit reports showing derogatory and paid THE CREDIT REPORTING COMPANIES ARE REPORTING DIFFERNT STATUS INFORMATION FOR THIS ACCOUNT

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 2021-09-05 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo made a big error there are 15 lates in a Mortage for wells fargo,,,, I already made a disputed directly to wells fargo they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made

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 2021-09-05 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: IL

Complaint narrative:
XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made

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 2021-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX filled a Summons and complaint on XX/XX/2021 under Cares Act, even they dont have the right to they are trying to get a judgment for foreclosure and Sale on XX/XX/XXXX @ XXXX there is a court hearing on XXXX county circuit court see summons attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MI

Complaint narrative:
I have contacted Equifax explaining that I have several inquires that I have not authorized them to have access to my credit report. This information is fraud and I have attached the FTC report to have this information deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am a square user. 

I recently started Processing payment with square and I have over {$14000.00} in my square account from customers. 

But my issue is that when I click on " Balance '', it shows that I have {$0.00} and it says that my account is under review. The issue is that this review is still there and is taking a long time and I'm worried that square has stolen my funds. 

I making this complaint because I want square to tell me exactly when they will allow me to withdraw my funds The email address associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Obscene statements and threats

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN, XXXX, and XXXX  continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-05 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: NJ

Complaint narrative:
Ive been a victim identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian was billing me {$14.00} Experian XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. Experian then locked me out of my account. Experian was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from Experian or any similar service.

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 monetary relief
Consumer complaint received 2021-09-05 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: MI

Complaint narrative:
I have contacted Experian explaining that I have several inquires that I have not authorized them to have access to my credit report. This information is fraud and I have attached the FTC report to have this information deleted from my credit 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 non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
Since XX/XX/2020 I have received eleven delinquent payment notices from ARstrat for XXXX billed items. In every instance I provided proof that payment had been made. For ten of the notices, I never received any follow up from ARstrat. In one instance, I receive a form letter rejecting my proof. I called ARstrat. They confirmed my payment had been made to XXXX and apologized for sending the form letter. 

A sample of my proof is attached. It was for ARstrats most recent notice. It contains a copy of the XXXX bill for the item cited as delinquent annotated with my payment date, check number, and amount paid. A second proof is from my bank statement attesting that the payment check had been cashed. When appropriate ( as here ), a third proof is the next month bill from XXXX showing that I had NO past due amounts. 

Clearly the basis for ARstrats collection letter is false information from XXXX. XXXX  accounting does not follow standard accounting practices. When my payment is received, it is simply applied to the oldest service dated outstanding item ( s ) in my account, not to its designated item ( s ). That old dated item may be a recently booked posting that has yet to be billed to me. Hence, paid services may appear unpaid or underpaid in my account and the old dated item never appears in any billing. Even more confusing, XXXX  billing personnel often can not determine from what billing date ( if any! ) a payment originated. Although Arizona law prohibits such procedures for billing business entities and third parties, they are allowed for individuals.

My latest collection letter from ARstrat ( sample attached ) does not contain XXXX reference number for the supposedly unpaid item. Earlier letters did provide these numbers. This is important, since some bills do include multiple billing items on the same service date for the same dollar amount. Distinguishing which one is the subject of a collection requires this XXXX  reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
I received a letter dated XX/XX/XXXX from Dynamic Recovery Solution LLC on behalf of XXXX XXXX XXXX seeking {$610.00} for a XXXX XXXX account closed in XXXX and paid in XXXX in full. This debt was paid in full in XXXX since I was seeking a job from the financial company XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05 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: GA

Complaint narrative:
Report Number XXXX Date Generated XX/XX/2021 / XX/XX/2021 XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 
The info is not correct. 
I have asked them to remove this account, the other Credit Bureaus have removed this account

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 2021-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MS

Complaint narrative:
On XX/XX/2021, I saw this collection on my XXXX  and XXXX  reports. I never received any information about this debt and I am not familiar with it. It says it was placed in XXXX of 2021. Furthermore, I do not owe a debt to XXXX XXXX XXXX and do not even have services with them as they do not provide internet at my address. I have to have satellite internet because the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
Ford Motor Company reported a late payment in XXXX of 2020 on my account. Ford Motor company pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I contacted the FS Genesis ( DBA Indigo Card ) credit card company regarding my account with them. The card I held had previous unauthorized purchases on it and although I had contacted the company regarding the fraudulent amounts several times earlier in the year, FS Genesis/Indigo continued to allow the charges to accrue, while charging me interest on the amounts, and did not offer an explanation as to why this was all occurring. 

Bizarrely, Indigo sent replacement cards to me but allowed those unauthorized debits and purchases to not only continue but they allowed the charges to transfer over to the new cards as well. 

Frustrated, I chose to not make further payments on the card until those issues were addressed. In seeking to find a resolution, on XX/XX/XXXX, I spoke with a representative at Indigo and subsequently a supervisor who offered to waive {$110.00} in late fees if I agreed to pay {$210.00} on the account that same day. 

I made the payment and today, XX/XX/XXXX, I realized my bank account was deducted for the {$210.00} total but the late fees were not removed. I then called Indigo and was told by a representative that I had supposedly requested my late fees not be waived. Considering how absurd that is, I asked for a supervisor who then offered to waive 2 late fees -- one less than the agreed-upon 3 late fees. I declined and advised that individual that I would prefer the agreed upon fees be waived or my money refunded. That person then agreed to waive all three of the late fees. 

Hours later, I attempted to log into the account but my credentials would not work. So I called Indigo and was advised that my account had been closed which means, Indigo opted to keep my money and close my account instead of refunding fees which they agreed to reverse and that to me smells like fraud and deception and I relayed as much to them over the phone. 

I would like this company to be sanctioned for their conduct by this agency and I'd like to add that this sort of activity seems to be a clear standard business practice for this disreputable company, which has accrued tons of negative reviews online along with accusations of other inappropriate and potentially unlawful business practices. 

I'd like to point out that I have not made a purchase with this card in over a year and the only remaining balance are late fees on payments concerning a balance that is fraudulent in nature. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
on XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES, LLC sent out 4 more documents stating that I still owed after being told that they already violated my rights years ago and to this day, after telling them to cease communication yet again more bills were sent and they did not honor my request for the removal of reports. PORTFOLIO RECOVERY ASSOCIATES, LLC has caused a great amount of emotional discomfort and distress, stress, missed opportunities in obtaining houses and cars due to the inaccurate reporting and unprofessionalism of this company since XXXX.

this is for the record that they are being put on notice of violations.

and in pursuant to 15 U.S. Code 1692k they have to pay {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Received a summons from ( plaintiff ) and would like to request a validation letter of debt and a authorization to collect debt. With the pandemic of covid 19 and other personal hardships that has effect myself I can not confirm this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  was billing me {$14.00} XXXX  XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. XXXX  then locked me out of my account. XXXX  was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from XXXX  or any similar service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Transfinancial Companies, Inc
State: FL

Complaint narrative:
Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/2021 I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XX/XX/2021 by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: PA

Complaint narrative:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There is a charge from XX/XX/XXXX on my credit card that I did not authorized or have any knowledge of!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bills were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card companies.I have also put myself on auto pay with each credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MS

Complaint narrative:
XXXX XXXX XXXX reported a late payment in XXXX of 2020 on my account. XXXX XXXX XXXX pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.

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