vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXXXXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX  XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Credit Plus Inc
State: TX

Complaint narrative:
The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX CreditPlus. XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX via text message, and by telephone ( cancellation department ) to request a cancellation of services. I requested that they send my the buyout amount, so that the account could be closed immediately. I was sent a cancellation agreement on XX/XX/XXXX from XXXX to complete via XXXX, and this was completed and returned. On XX/XX/XXXX I reached out to XXXX  cancellation department after being sent from department to department, and spoke with representative XXXX, who informed that the amount that I needed to pay to close the account was {$130.00}, and she indicated that they would be providing a 20 % discount, as I informed that I was not working at the time. I inquired why I continued to receive so many different payoff amounts from XXXX and was transferred to XXXX ( cancellation department ) who then informed that the amount that needed to be paid was {$140.00} ( which was supposed to be 20 % less that {$170.00} ) another different amount from the last representative, letters, and emails from XXXX. I was informed that this payoff amount would be documented in the account to avoid further notices and phone calls from XXXX, and agreed to go to their portal following the phone call to pay {$140.00}. However, when I went to the portal to pay the final amount it indicated that they amount due was {$130.00}, which I paid ( confirmation # XXXX ). A month passed and then the phone calls to both myself and my husband continued numerous times a day, along with letters. On XX/XX/XXXX, after the continued phone calls and letters, I reached out to XXXX  via text message and requested that they stop contacting me as I had already paid off the amount that they told me to pay to close the account on XX/XX/XXXX. I was told to contact the cancellation department again, and refused to, due to the numerous attempts and confusion that I had already dealt with. During the past 10 months we have received several letters from XXXX acknowledging the request for cancellation, as well as numerous offers to return at a lower amount, which is equally frustrating, since we have been making payments to XXXX since XXXX of XXXX. My husband and I received a phone call from " XXXX '' collection agency today requesting that I provide him with the reference number that he provided, along with the cancellation letter, the amount paid ( which he already was aware of ) and the last 4 digits of the card used to pay the {$130.00}. I am skeptical of providing this collection company with any information, outside of what was provided to them from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX I called the Borrower Defense to repayment application at XXXX to find out if I was eligible for money from XXXX. I was told that because I paid off my loan I was not eligible. I worked 2 jobs and paid approximately {$37000.00} in student loans and interest. I feel that since I worked 2 jobs to pay for this loan and paid it off in good standing and I should be entitled to my money back since the school defrauded me. After I graduated they sent me to XXXX XXXX and I was fired after 30 days. I was not properly trained by XXXX for the work that they wanted me to perform. Many of my classmates went through the same thing. We were promised good paying jobs, placed in a good paying job and terminated after 30 days. I took a job at XXXX 's after my termination in 2006. I took many jobs to try to pay off my loans and to remain in good standing. We have not been able to purchase a home because I spent my money on these worthless loans and we do not have enough money to purchase a house in this market were home prices are accelerating on a daily basis. My husband and I currently live in an apartment complex that is rift with drug users and other criminals because we can not afford to move into a decent home due to the money I paid into these worthless loans. XXXX XXXX dollars is a lot of money to throw away on a useless education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern : During the pandemic many people suffered financial struggles, I was one of them but I have always been able to pull through hard times somehow, this pandemic was different and harder. All of my creditors worked with me including the one I am complaining about. I took differed payment programs from no less than 10 banks and creditors, and was thankful to have the help, I was reluctant because I did not want to have to take the offered help because of pride I suppose. We recovered slowly and eventually paid everyone. I have had stellar credit for 30 + years until now. Bank of America, during this pandemic and while I was getting on my feet reported two 30 day late alerts to the credit reporting agencies. In there defense they did offer me deferments with no penalties I accepted, as I was getting caught up though, I told them I did not want to use anymore deferments and that I would get caught up, this is where the problem comes in. Without any warning and while I was in constant contact with them they alerted the credit bureaus negatively DURING A PANDEMIC! NEVER TELLING ME OF THE CONSEQUENCES, Of course under normal circumstances this would be normal practice but not during a pandemic and not while I am working with them. Yes I should have taken the additional deferments. Never did I think they would do this. I said I would catch up and catch up I did to the tune of more than {$30000.00} in payments to them in the last 3 months. 
This should be corrected and removed from my credit history, it is totally un fair in situations like this. 

Sincerely 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 explanation
Consumer complaint received 2021-06-22 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: Salary Finance Inc
State: CA

Complaint narrative:
Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " Salary Finance ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - Salary Finance Inc Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " Salary Finance Inc '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

XXXX.XXXX  - My Driving License XXXX - My XX/XX/2021 Pay check PoliceReportXXXX  -> Police Complain Report filed by us FTC_IDTheftReportXXXX  -> FTC ID Theft Report XXXX.XXXX  -> XXXX  XXXX Report SalaryFinance_MailAndEmailCommunications.pdf XXXX Email Communication between Fraud person and Salary Finance SalaryFinance_LoanAgreement.pdf -> Salary Finance Loan Agreement SalaryFinance_FraudBankAccount.pdf -> Fraud Bank Account for Loan Proof SalaryFinance_DirectDeposit_ACHForm.pdf -> Fraud Person Direct Deposit ACH  form SalaryFinance_XXXX Fraud Claim_Closing.pdf - Salary finance closed the complaint that we raised XXXX_Letter.pdf - Letter sent to XXXX  to remove this entry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
HI Kohls/Capital ONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX 2021 for 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I am having delays drawing on my line of credit. The last draw I have made on my line of credit was in XXXX. Since then I have not made any draws. Recently I thought to make a draw being my equity is high and interests rates are low. I noticed my reverse mortgage statement says I have no credit line so I contacted the company and requested all monthly statements for my personnel accountant. I made my first request on XX/XX/XXXX. I have made numerous phone calls and have received numerous emails, however the company keeps directing me to different Customer Service representatives and they never answer my questions directly and refuse to elaborate on the figures presented on my monthly statements. A representative even went as far as saying if I don't use my credit line I can lose its growth feature. I just want to speak with Licensed agent and they seem to be obstructing me from getting direct answers in essence delaying me from making an accurate credit line draw. My mortgage service is with Champion Mortgage and I spoke briefly with numerous agents, but have not received direct reply from XXXX XXXX or XXXX XXXX for whom I have made a partial complaint. I need the monthly statements for XXXX - XXXX to get started and then I need the full reverse mortgage FHA rules. I have not made a full complaint because they have not given me my requested records. I NEED THE RECORDS TO SUPPORT MY CLAIM, ITS BEEN TWO MONTHS NOW AND I AM STILL UNABLE TO MAKE AN ACCURATE CREDIT LINE DRAW. HUD GUARANTEES MY CREDIT LINE DRAW WITHIN 5 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/2021 I sent TransFinancial Companies, LLC a Certified Letter asking for them to Validate a Debt. The company failed to Validate my Debt, instead they sent a list of my Medical Records which I know is a direct VIOLATION of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The XXXX XXXX AAdvantage Citi MasterCard long advertised a benefit of covering car rental insurance. To this day a XXXX search of benefits of that card lists rental car insurance coverage. 

See http : /XXXX XXXX XXXX XXXXXXXX/ In fact Citi MasterCard advertises this benefit for all of their MasterCards. http : //www.citibank.com/us/cards/mstr-rntl.htm Because of this benefit people are advised NOT to purchase insurance from rental companies, and use MasterCard instead XXXX 

In XXXX-XXXX was in XXXX on an emergency trip. I rented a car using this card, and was in an accident where a bus hit our car from behind at a stoplight. ( Fortunately no one was injured. ) I called the number for XXXX MasterCard claims, and was informed that XXXX MasterCard had " decided '' two years ago to stop covering this. 

Fortunately the bus company has admitted responsibility and is covering the cost of repairing the car. I will be receiving a full refund from the car rental company. But this could be devastating financially to others involved in accidents while driving rental cars, and believing they were insured by the credit card company.

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 2021-06-22 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: CA

Complaint narrative:
I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX XXXX  XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to 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 2021-06-22 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: TX

Complaint narrative:
To whom it may concern : During the pandemic many people suffered financial struggles, I was one of them but I have always been able to pull through hard times somehow, this pandemic was different and harder. All of my creditors worked with me including the one I am complaining about. I took differed payment programs from no less than 10 banks and creditors, and was thankful to have the help, I was reluctant because I did not want to have to take the offered help because of pride I suppose. We recovered slowly and eventually paid everyone. I have had stellar credit for 30 + years until now. XXXX XXXX XXXX, during this pandemic and while I was getting on my feet reported two 30 day late alerts to the credit reporting agencies. In there defense they did offer me deferments with no penalties I accepted, as I was getting caught up though, I told them I did not want to use anymore deferments and that I would get caught up, this is where the problem comes in. Without any warning and while I was in constant contact with them they alerted the credit bureaus negatively DURING A PANDEMIC! NEVER TELLING ME OF THE CONSEQUENCES, Of course under normal circumstances this would be normal practice but not during a pandemic and not while I am working with them. Yes I should have taken the additional deferments. Never did I think they would do this. I said I would catch up and catch up I did to the tune of more than {$30000.00} in payments to them in the last 3 months. 
This should be corrected and removed from my credit history, it is totally un fair in situations like this. 

Sincerely 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 explanation
Consumer complaint received 2021-06-22 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: KS

Complaint narrative:
On XX/XX/21 there were 5 unauthorized withdrawals from my account : {$1000.00} XXXX to XXXX, {$990.00} XXXX XXXX to XXXX XXXX, {$990.00} XXXX XXXX to XXXX XXXX, {$2400.00} XXXX XXXX to XXXX XXXX, {$2400.00} XXXX XXXX to XXXX XXXX XXXX do not know a XXXX and I would never send XXXX these amounts of money. This is not typical transaction history for my account. I made a police report with XXXX PD Rpt # XXXX, Det. XXXX is investigating this and has served legal orders on XXXX, XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX. Det. XXXX has information on the subpoena 's proving that is was not me who made this transactions. 

I have filed a complaints with Bank of America and with the XXXX against the Bank, all of the complaints have been closed without any action being taken.

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 2021-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXXXXXX XXXX XXXXXXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX of XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me

Company response to consumer: Closed with explanation