vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. Credit Factor Account 4. Credit Factor 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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RFNA, LP
State: GA

Complaint narrative:
Republic Finance has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX, XXXX, and XXXX  consumer reports dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Republic Finance violations via regular mail and via electronically. Republic Finance was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EGL US, LLC
State: PA

Complaint narrative:
Hello. I have XXXX loans reporting with BMG Money on my credit report ( I can only have XXXX ) .Ive paid XXXX in full more than XXXX ago. Ive disputed this with the credit bureau XXXX and BMG responded with the XXXX accounts are accurate. Ive called BMG multiple times and each time I was told it would report correctly on the XXXX of the month. I disputed on XX/XX/2021 with Paid in full documents Just recently and still came back from BMG as being accurate. I need for this account to report correctly. Its holding up my home buying process. 

Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I have been receiving calls claiming a legal action against me. Today 's call came from XXXX XXXX XXXX XXXX regarding a supposed defaulted loan from Ace cash express. I did borrow from their XXXX XXXX, CO location over 5 years ago, but any and all loans were paid in full and on time over 5 years ago. When I talked to the person, he was very hesitant to give me any information, just kept asking questions, date of birth etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: PA

Complaint narrative:
Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
This account is outdated and I have ask the creditor and the credit bureau to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have this account removed immediately from my credit reports. 
Account # 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 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a report on behalf of XXXX XXXX XXXX, XXXX On XX/XX/2021 someone got access to our newly opened business checking account # Ending XXXX which was open less than 10 days prior to this incident and transferred {$19.00} out of it to a party listed as ''XXXX '' We did not initiate this transaction nor has anyone been given the authorization to make this transfer.XXXX XXXXXXXX XXXX XXXX or its managers, members, or employees never had any transaction done with this person. Bank Of America does not seem to have any urgency to investigate and return the stolen money, this transaction was reported at the exact minute that it was happening and Bank Of America did not stop the transfer alleging that it could not stop a money transfer in progress. I filled the report with the bank promptly on the XXXX of XXXX report # XXXX and on XXXX the XXXX as well report # XXXX. XXXX XXXX XXXX, XXXX did not initiate this transfer it is a fraud as previously reported to our local Police Report XXXX. Please take action, Thank you 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 monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My husband and I co-signed on a private student loan with then ( Sallie Mae ), now Navient.

I have tried numerous times to contact them to have them change incorrect information our credit report. Navient posted that the loan was written off at {$7200.00}. However, my son actually is working with a loan consolidation agency, and Navient agreed to a {$5500.00}. Therefore the loan was not defaulted for {$7200.00}, it was deducted and paid for {$5500.00}. When I try to contact Navient to have our credit reports corrected, they repeatedly state that we are not even in their system. I also have tried to access our account through their online system, and a message there also states that our account can not be found. This is extremely frustrating because our report will never be corrected if according to Navient we don't even exist, nor ever had an account with them. How can this issue be corrected. This derogatory note has directly affected our credit. Please advise on hour to resolve this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, my Paypal Business Debit Card was fraudulently charged {$500.00}, I received an alert via text message of the charge. I immediately called the Paypal number and let them know. They closed the card and said they would reissue a new card. They also said they would investigate this claim and give me provisional credit of this amount and they did so. 

On XX/XX/XXXX, they sent a notice that the case was closed as it was a fraudulent charge and unauthorized and the amount would be made into a permanent refund. 

It appears they also reopened the case that same day, which I was not made aware until XX/XX/XXXX when they permanently deducted the {$500.00} from my paypal account and stating in the notes " After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction. '' I immediately called and was told that the amount of the charge was similar to other purchases that I have made and therefore they deemed it authorized without any further investigation. They suggested to reopen it, they had to file as " item not received '' which after arguing that I never placed an order for any item, they filed it in that manner ... only to say, item not allowed under Paypal purchase protection. Then filed it as " missing item '' even though I never ordered anything-once again, item not allowed under Paypal purchase protection. 

After they removed the money the first time, I contacted the " supposed '' vendor where the charge took place by calling the phone number listed on the charge. The vendor explained this was the third time this has happened and that his company did not place these charges. The spelling was completely different for the business. So, apparently those that fraudulently charged my account, was using his business information as well. This could have easily been checked with the merchant verification information and realized the information was going to someone besides the business listed. 

So, at this time ... it was never completely investigated and dismissed by saying I've had purchases similar to the amount of this one, so it has to be correct. 

I spoke to a paypal employee on Thursday the XXXX of XXXX and she was going to open an appeal. She stated that I would receive an email within 24 hours about the appeal ... which, of course, I did not. My hands are tied, I am without this money at a time that I need it most.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 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: MS

Complaint narrative:
Experian, XXXX and XXXX have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have had trouble getting in touch with Experian to get a copy of my credit report. I have tried on line ; their website times out after I give them my info. On the phone I have not been able to speak with a human being, only a robot with no access available to a agent.

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 2021-07-19 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: MO

Complaint narrative:
The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXXr Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX  {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXX 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 2021-07-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I opened a Auto Loan with Kia Motor Finance on XX/XX/XXXX. Since I opened this loan I have had issues with KMF applying my payments to my account.Every month I have to call customer service after my payment task them to do so. After I call it takes around two weeks for it to be applied and its usually time for the next months payment to be made. 

After dealing with this since XXXX, I have also had to complain about them applying my payment towards late fees that I should not of had due to my payment was made on time and KMF reporting incorrect information on my credit report. 

The major complaint is that my payments after applied is being distributed incorrectly. Please Note that my Due date is the XXXX of the month @ {$570.00} Examples : Date:XXXX. Payment:XXXX. Principle : XXXX Interest:XXXX XX/XX/XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I made an attempt to put my payments ahead by 2 months so I would never be behind.Since the computer and the company could not keep up with payments, I am not ahead at all. Instead they calculated my payments incorrectly. Also during the time that I was making extra payments they had another system glitch that completely wiped out ever single payment that I had made since XX/XX/XXXX. After the payments were put backing the system over 30 days later, nothing was the same. My account was even showing past due when I made extra payments to be ahead on my payments by two months.

KMF has made it very difficult to remain accuracy with my payments.I really wanted to make extra payments so that I could have paid my vehicle off early. KMF customer service does not help solve any of these problems. KMF gives an excuse every single month that I am not the only customer dealing with this issue but this has been going on for years.

I am absolutely convinced that due to KMF applying my payments incorrectly, I should owe less on my vehicle than what is being showed.

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 2021-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
Property : XXXX XXXX XXXX. XXXX XXXX, TX XXXX. 
Lender : New American Funding. 
Loan amount : {$230000.00}. 
Type : VA Loan I am a XXXX veteran, exempt from pay the VA funding fee ( {$3.00} XXXX ). 
New American funding provided me a misleading closing cost disclosure worksheet, with inaccurate fees. and they added the VA funding fee amount to the loan amount, and refused to remove it from the closing paperwork. 
I voiced my concerns to remove the fee, per VA regulations, but the officers who are processing the loan keep giving me the run around. and excuses but will not remove the fee from the closing disclosure. 
My closing date is approaching ( possibly XX/XX/XXXX ) but the officers are telling me that it will be removed, but yet providing the title company the erroneoNirtus closing cost disclosure. 
The title company ( XXXX XXXX XXXX ) is telling me that they can not remove the VA funding fee without instructions from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2021 I had to take my daughter to XXXX XXXX XXXX XXXX for an emergency room visit. Since that visit, I have received monthly statements from XXXX XXXX, who I pay through their automated patient portal bill pay. In the patient portal I see billing for my daughter 's visit as well as my own medical bills. 

As of today, XX/XX/2021, I received a collection notification from Healthcare Revenue Recovery Group ( HRRG ) ( ref. # XXXX, letter dated XX/XX/2021 ) on behalf of FL XXXX XXXX XXXX XXXX XXXX ( Account # XXXX for {$160.00} ). 

I called XXXX XXXX XXXX and I was told that the emergency physician was XXXX XXXX and that he was with XXXX XXXX XXXX XXXX ( I do not recognize Florida XXXX XXXX XXXX XXXX XXXX XXXX ). According to XXXX XXXX, billing for the physician would be done by a separate XXXX XXXX team and that all bills would be displayed in my XXXX XXXX account with a specific 'access code ' for each bill. No additional bills were submitted outside of my daughter 's original bill, that I can see in the XXXX XXXX patient portal. 

I tracked down a number for Florida XXXX XXXX. XXXX XXXX XXXX and was directed to a company called XXXXXXXX XXXX ( XXXX XXXX. I called XXXX XXXX and asked why I was receiving a collection notification since all of my billing was done through XXXX XXXX and I never received a bill or any calls that I had any outstanding, unpaid balance. The XXXX XXXX customer service person told me their process is to send a statement and if they do not receive payment they send the account to collection. No phone calls are made. I explained that I was never made aware of any debt and that I should not be sent to a collection agency. I was told to call the collection company and make a payment. I asked to speak to a supervisor/account manager regarding this issue because I did not understand how I could be sent to collection for a bill that I never received. I was told someone would get back to me, I am still waiting for that call. 

I do not acknowledge this debt nor the company that has erroneously sent me to collection.

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 2021-07-19 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: IL

Complaint narrative:
The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with TRANSUNION. Delete this unverified account immediately ( US BANKRUPTCY - XXXX ) The FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!

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