vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
The following inquiries have been listed on my report inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.

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 2022-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never been late on a debt and have an excellent payment profile. Transunion lowered my credit score -XXXX points  reflecting my credit character as poor causing other creditors to react adversely. There were no missed payments, no over the limits, no collections or bankruptcy. There was no change or apparent adverse info that would cause such a negative change. This has caused me to lose income due to employers ' requirement of maintaining good credit profile. Transunion refuses to correct and address the problem. I know of consumers that have judgements and bankruptcy that have higher 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 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Moneytree Inc
State: NV

Complaint narrative:
Due to a loss in income, I wrote to Moneytree through the account message center advising of my inability to make payments and advising I was withdrawing my authorization for automatic ACH withdrawals from my bank account. This was done on XX/XX/2021. This was followed up with an email on XX/XX/XXXX reiterating the withdrawal of my ACH authorization. Despite this notification Moneytree debited two payments in the amount of {$200.00} from my bank account on XX/XX/XXXX for a total of {$400.00}. This caused my bank account to overdraw and be charged overdraft fees of {$70.00}. 

I emailed Moneytree on XX/XX/XXXX advising of this unauthorized withdrawal and again notifying of the withdrawal of my ACH authorization, and of the fact they caused my bank to overdraft. 

Despite these multiple notifications once again on XX/XX/XXXX Moneytree debited {$200.00} from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been trying to be patient with the bureaus but they have yet to get these derogatory marks and other information taken off my report! I am spending money writing these letters and taking the time out of my day to make sure each bureau gets these letters! I need Transunion to open up an investigation as soon as possible! I sent them a complaint recently and they have yet to respond. The attached letter is the latest letter sent and I expect a response to the matter instead of a mute response. I ready to settle the problem so we can move forward.

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 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
Repeated calls more than once daily beginning XXXX/21. Company refuses to detail exactly what I owe and why, tried to say it was my visit but then said it was my child 's. When I asked the manager to email me information so we can get something worked out he raised his voice and began threatening and belittling me, speaking over me without listening to my responses to his questions. 
XXXX XXXX  is the manager whom threatened and belittled me, then refused to provide information I requested to validate the debt. Poof of harassing and threatening behavior can be provided upon request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Velocity Portfolio Group
State: OK

Complaint narrative:
On XX/XX/2021, at XXXX a.m., my representation contacted CKS Financial via Velocity InvestmenXXXX ( the new company that held my debt collection account ). My representation negotiated a settlement for a pay for delete. Velocity Investment told my representation that it will take approximately 60 days for this to update on my credit report. This account is still on there. 60 days was on XX/XX/XXXX. On XX/XX/XXXX, my representation contacteXXXX Velocity Investments and they told my attorneys they its still processing. Can you please help with this matter.

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 2022-01-05 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: AL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).

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 2022-01-04 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: VA

Complaint narrative:
XXXX XXXX account for {$360.00} is being flagged on my TransUnion and XXXX XXXX reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to Transunion and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from Transunion indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX Mailed Verification Affidavit to both XXXX and Transunion regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and Transunion be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per 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 2022-01-04 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX account for {$360.00} is being flagged on my XXXX and XXXX XXXX reports since XXXX. The collection company is Portfolio Recovery Associates ( PRA ). Since that time I have disputed the charges with PRA and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from PRA that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both XXXX and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to Portfolio Recovery Associates. 

XX/XX/XXXX Reply from PRA that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/22 I took a call at XXXX XXXX I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
My mortgage account was sold to BSI financial as of XX/XX/XXXX. I tried to make my XXXX payment with BSI ( first payment with them ) I made an online account and right off I see it says 61 days late. WHAT!!?? This is my first payment to them. I havent been with them 61 days. My last payment was to my old Mortgage lender. Due to this 61 day late thing I was unable to pay my payment. So first thing Monday XX/XX/XXXX I call they are closed. First thing today I call only to be put on hold for an hour then hung up on. I call back and had to leave my number. Finally at XXXX I get a call back from a very rude lady hacking up a lung on the phone who says she is unable to take my payment and there is nothing she can do on her end with the payment and the false information on the website. She stated she will email somebody and will get back to me. I demanded to be attached to said email and she stated NO very rudely. So again I demanded to be emailed something stating I called to make a payment and they refused to take it. She got upset but agreed. I have yet to get said email and worried from the reviews about the shady stuff this company has been doing this problem will get worse before better. All I want to do is make my payments and have corrected information posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MS

Complaint narrative:
My home owners insurance has not been paid by XXXX and it defaulted XX/XX/2021. This is the second year in a roll my insurance lapsed by more than XXXX weeks the insurance company has sent XXXX the bill XXXX different ways since XXXX and still isn't paid or consulted with insurance company. The insurance company isn't sure they will even reinstate my policy after it being past due so long and with all the problems they've had from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: ERC
State: OH

Complaint narrative:
I am not an attorney or third party rep and I have a legal right to dispute anything on my credit report. I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. I have been informed by ENHANCED RECOVERY CO L # XXXX. was/were deleted PERMANENTLY from my credit report. Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: UPGRADE, INC.
State: TX

Complaint narrative:
I been calling Upgrade since XXXX trying to resolve an issue with receiving an email to show proof to the merchant that they still have {$810.00} pending on my card so that they can get the amount released. I called held for XXXX hours and someone disconnected the call so I sent XXXX emails asking for assistance. A couple of the emails stated to call customer service. I explained the long hold and disconnect. They responded back with that is the only way to get the issue resolved. I called back and was told that I would receive an email in XXXX business days. I did not receive the email and called back XXXX weeks later. I was told the same thing again XXXX business days to receive the email. I called back today and got XXXX was rude and was not listening. She continued you ask me to reverify my account instead of assisting me. I am angry and would like to be assisted without the frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX XXXX I decided to buy an pohne XXXXXXXX XXXX XXXXXXXX as a gift for my mom for XXXX XXXX. I decided to pay installments with my apple credit card. I paid {$100.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the current balance of {$380.00}. On XX/XX/XXXX I received a charge for the first installment of {$54.00} which I paid the card again with {$200.00} more and they received the money on XX/XX/XXXX. I kept making payments on time at the end of the month to avoid charges on APR. On XX/XX/XXXX I paid off the balance plus I paid {$500.00} towards the installment. On XXXX I contact them because with all the money paid I realized they were charging me more and the amounts did not match. They had me on the chat until 2 am and then they closed the chat. On XXXX I contacted them again and spent 4 days telling them if was their mistake because the amount they think I owe is not true. At the end they hung up saying that I owe what is says. Today I contacted them again, and the problem continues. 

If I financed {$1200.00}, and I have already paid 9 months of {$54.00} since XX/XX/XXXX that means I have paid {$480.00} so far plus adding the {$500.00} I paid in XXXX that is a total amount of {$980.00} If you calculate : {$1200.00} - {$980.00} = {$310.00} ( this is the total I owe them to pay off the phone ) and not {$430.00} as they keep saying. 

I feel they never applied the proper charges to the account making a mess and are making me pay more. On XXXX I sent a letter with all the statements and payments because they did not want to provide their name on the chat and deny to provide a fax number and emal to send the papers. I do not feel I owe more money and if they made this worng. it is their mistake and their problem. I am havign track o what I have paid and they do not want to listed. I feel they are overcharging more money and even if they say I did not paid until XX/XX/XXXX which is not true, I still do not owe more money.

Company response to consumer: Closed with explanation