vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: ID Analytics, Inc.
State: FL

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX I.C. SYSTEM, XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Back when Navient was Salie Mae I had received a call about repaying my loans and since I wasn't working I wasn't able to pay them. I received a harassing call from the center saying I had to pay and they wouldn't get off the phone. I spoke to a man who was extremely aggressive and said that he would reach out to my mother, who was a guarantor. My mother ended up paying the lump sum, which was {$10000.00}. But this was so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I want to know why there is a preauthorized debit for the amount below when nothing was pre authorized. Also, effective immediately, Citizens bank must stop informing others that you are the bank of record as I believe the below is related to that. There is no pre authorized debit for this amount below. Where are you getting your information from and why was the below debited? Would be great if someone can provide customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY

Complaint narrative:
I was attempting to obtain a line of credit at XXXX XXXX and was denied, after going over my report. I've noticed a collection account that was open XX/XX/2019 reporting on my consumer report from Fidelity Creditor Services. Fidelity Creditor Services is alleging I owe their company a debit of XXXX. Ive requested for Fidelity to stop all reporting and validate debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MO

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MO

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX Balance {$14000.00}

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 2022-03-09 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: OH

Complaint narrative:
I have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 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 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased some items from XXXX back in XXXX. I used Affirm to split into 4 payments. They took roughly one and two months to arrive for the two items. Both items I received were nowhere near as described. 

I contacted the vendor and got a refund on the first item. Once I received the second item again as not as described, I contacted the company. They notified me they would only refund it if I paid to ship it back to them. I let them know that I would not be paying shipping, as it was not what I ordered. I would be happy to send it back if they provided a label. 

The company refused, so I file a chargeback with my credit card company. My credit card sided with me given the evidence and approved the chargeback. When the money came out of Affirm, Affirm let me know I was now past due. 

I was unaware of the fact I would have to file with both Affirm and XXXX. I tried to file the dispute with Affirm and they are refusing to entertain it, despite it not yet being 60 days since receipt of the incorrect item. 

Affirm believes I am on the hook for {$100.00} for an item that is not what I purchased. My credit card company agrees with me that it is not what was purchased, and gave me my funds back. All I am looking for is for Affirm to close out the account as a valid dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Home Point Financial Corporation
State: NV

Complaint narrative:
as far as there reply, document 1, loan was sold and had XXXX XXXX  as payee, partial payments were sent to them with no problem, I started to pay them in XX/XX/XXXX. Home point is not any where listed on that document, and Home point financial is not on of that document ( doc 2 ) closing documents has XXXX XXXX on it not home point finical, doc 3 after their under lined sentence, it states lender may accept any payment or partial payment insuffient to bring the loan current, without waiver without any rights hereunder or predjustice to its right to refuse payments or such partial payments in the future, lender may hold unapplied funds until borrow makes payments to bring the loan current, so you can see all paper work is with XXXX XXXX on it not home point financial, you can see on the attached bank statement starting in XXXX when we refinanced, bi monthly payments were done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX payments to XXXX XXXX, again no where does it say home point financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased our home with a VA loan ( I am a veteran on XXXX XXXX XXXX XXXXXXXX ) from XXXX XXXX. In XX/XX/XXXX, we went on a covid forbearance for 6 months. We were told that there would be no penalities, no fees and no payments that would be due during the forbearance and when it was over we would be able to push the payments during the forbearance to the back end of the loan and just resume normal, on-time payments when it was done. 

In XX/XX/XXXX, my wife got XXXX  and lost work so we extended the forbearance through XX/XX/XXXX. At the end of XX/XX/XXXX, I spoke with an agent at XXXX XXXX to resolve the forbearance with a plan that would roll the missed payments to the back end of the loan and we would start making regular loan payments in XX/XX/XXXX after they send documents for us to sign and return updating the terms of the loan. They never sent the documents to return and when I called to find out what was going on, I was told that they didn't know why the documents were never written up or sent. They confirmed that the call I made with the agent about resolving the forbearance happened since they didn't seem to believe me and still couldn't explain why it was never done. They made no further effort to resolve the forbearance and update our mortgage, never even sent invoices for mortgage payments and in XX/XX/XXXX, they sold our mortgage to a collection company, The Money Source. When I asked why they sold our mortgage off to a collection company they said they did it to " free up capital '' and that was something ALL lenders do ALL the time. 

The Money Source did not believe or care that we were on a forbearance and their resolution was to charge us varying amounts of interest ranging from $ 27k- $ 43k -- we received multiple bills and they were declaring us delinquent on our mortgage and over 444 days behind on our mortgage. They started a campaign of harassment against us by calling daily early in the morning, every morning, to " update us on the status of our mortgage '', yet could not explain how a mortgage would change so much so often that we would need daily, early morning updates. They tanked our credit scores by reporting us delinquent to all credit agencies and were sending us bills for the full amount of " interest '' we supposedly owed while we were on the forbearance as well as bills for the payments of the mortgage, yet they had never sent us any documentation to resolve the forbearance either. 

We completed 3 payments earlier this year that was supposed to resolve the issue and they were to send documents for us to sign for regular mortgage payments going forward. They sent documents but did not subtract the payments we had already sent them against the total of the mortgage and still wanted us to make higher monthly payments and pay a massive lump sum of " interest ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2022 someone did a atm withdraw for {$2000.00} XX/XX/2022 another withdraw at a different place for {$2000.00} XX/XX/2022 again for {$2000.00} XX/XX/2022 was the last withdraw for {$2000.00} The company JPMorgan Chase never reached out to me with all these withdraws considering i have never done withdraws like that in the last 8 years i banked with them. I never even been to those ATMs ever in the past. I was only alerted because my landlord reached out that the auto pay for the rent did not go through. My account was over-drafted and still no alert of the withdraws on my account. I reached out to Chase on XX/XX/2022 when my landlord notified me of no payment. Chase said they will investigate and resolve within 10 days. Today is XX/XX/2022 and i called them to see why i dont have my money back in my account for these unauthorized withdraws that someone stole from me and left me with no money to pay anything. They told me on the phone that the investigation is closed and i will not be getting my money because whoever took my money didn't make any mistakes with my PIN during the withdraw ... ... Now im left with nothing in a place i trust to safeguard my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: PA

Complaint narrative:
I discovered the collections debt on my credit score account. The following are reasons I am making this report. 

1. I did not receive notice from the collection agency about the debt. 
2. It is claimed that I owe a rental agency now known as XXXX XXXX XXXX ( previously XXXX XXXX ). The rental agency claims that I didnt return the keys among other things. This is not true. I dropped it in the rental agencys Dropbox. I wrote the rental agency to that effect. The rental agency never replied. I met a worker at the rental agency. However, the rental agency said they would reply by email and never did. 
3. This is a fraudulent attempt by both rental agency and debt collections company to put me into debt. 
4. I have attached the email to the leasing agency. They didnt reply the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also mailed in a copy of my drivers license, social security card, ftc report for th 10th time. Equifax recieved this information on XXXX usps Tracking Number : XXXX Everytime I send a dispute they keep giving me the run around requesting the same information. XXXX XXXX XXXX XXXX Equifax has failed to send me method of verification. Equifax has failed to send me contracts with this company Equifax has failed to tell me when these accounts were open Equifax failed to properly verify these accounts belonged to me before placing these accounts on my report. I am uploading my profile directly from Equifax website I CONTACTED EQUIFAX ON XXXX AND WAS TOLD THEY VERIFIED ACCOUNTS. I asked Equifax for method of verification and was told they have the right not to send me method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yes, first of all I want to say how sad the world we live in that the people that ate supposed to trust our money let us down and its almost as they discredit us and we end up having to deal with the consequences that isnt fair they failed to even give me any type of temporary credit meanwhile case gets investigated further nothing they failed to provide me with some kind of proof that shows or that can prove theres no error posted, I have a letter from my pastor I was at a church retreat the days of the unauthorized transactions for a week nowhere near I was out lf town I have booking hotel pastor letter pictures of the XXXX services i was at all week there needs to be some light into this case Ive waited way to long to walk and gunna start a XXXX live to get media attention so that others in my situation. Can get some light it should not take 90 days it should not take as long and if so the RIGHT way to do it was credit the claim amount until the case is resolved kt make someone feel like there the suspect or a liar you guys got sued in XXXX for the same thing denying claims Ill be reaching out to the media stations as well to shone some light

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 2022-03-09 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: Central Portfolio Control Inc.
State: OH

Complaint narrative:
This debt was not discharged in Bankruptcy. However, has passed the statue of limitations. 

In XXXX or XXXX I took out two credit cards. XXXX XXXX credit card and a XXXX XXXX Credit Card ( I believe the bank was XXXX  but unsure ) In XXXX I stopped paying on these two credit cards and haven't touched the accounts since. 

In XXXX Central Portfolio took over both of these accounts and posted them to my credit report XXXX balance {XXXX} XXXX balance {XXXX} I have not touched either of these accounts in over 6 years. However on the credit report it is showing as a new debt. It is also showing that the original creditor was XXXX XXXX XXXX I. This is not true. The original creditor was XXXX XXXX and XXXX

Company response to consumer: Closed with explanation