vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with XXXX XXXX. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 I sent dispute letters to XXXX and Experian about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.

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 2021-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
This complaint is in regards to FEDLOAN Servicing and implementation of the Public Service Loan Forgiveness ( PSLF ) Program. Since my employment with local government in early XXXX to my federal sector employment beginning in late XXXX, I have had over 10 years plus of certified employment pre-pandemic and under the emergency COVID-19 forbearance period effective until XX/XX/XXXX. As of XX/XX/XXXX, FEDLOAN has acknowledged my application and has updated my qualifying payment counts to be over 120 payments for a total of 4 of my 5 Direct Loans consolidated with FEDLOAN. I have been advised my application for loan discharge of the remaining balance of approximately {$43000.00} is still pending as of XX/XX/XXXX submittal and XX/XX/XXXX correspondence by FEDLOAN servicing. I have filed a complaint with US Department of Education at StudentAid.gov. It is my sincere hope that my request for TEPSLF is expedited and the outcome is favorable for loan forgiveness under TEPSLF or under PSLF per. the XX/XX/XXXX waiver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear XXXX After reviewing your response to my dispute letter of charge-off account. You didnt do a investigation on the account : Capital One I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting.

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
It's been 10 days since I submitted my original complaint. 
Days after, I received and email stating they will contact me and it has been 10 days, I've tried emailing calling and nobody from Barclay 's cares about my situation.

I'm done.

I applied for 2 credit cards my wife and I under false pretenses and lies.

I don't want anything to do with the resort in cancun that sold me into a timeshare and sold my wife and I into applying for 2 credit cards. 
Please Call me or email me so you can access my account and my wife 's account so we can cancel this fraud and lies.

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 2021-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ref : XXXX XXXX XXXX, XXXXt 2nd Mortgage Loan Number : xxxxxxx Property Address : XXXX, XXXX, FL XXXX On XX/XX/XXXX, I purchased a condo with the down payment assistance program ( HAP DPA Program ). I received {$10000.00} for the down payment - interest free as a second mortgage. My contract stated that the second mortgage is due on Sale, Refinancing, or Rental. Im refinancing my condo so I need to paid off, the HAP loan, the second mortgage for, XXXX, XXXX, FL XXXX. For over 3 months I have called SunTrust Mortgage to requested a payoff letter to settle my commitment for the HAP loan. XXXX XXXX XXXX, my future mortgage company, has also contacted SunTrust multiple times to receive the documents to pay off my loan. I can't complete the refinancing of my condo without the second mortgage information. I was scheduled to close on, XX/XX/XXXX. My closing was canceled because we never received the documents to settle my second mortgage. On XX/XX/XXXX, I went into a XXXX, FL, bank branch BB & T/SunTrust now Truist for assistance in receiving the information for my pay off letter so I could settle this matter. I met with XXXX XXXX, who requested the letter of payoff on my behalf. As of XX/XX/XXXX, nobody from Truist has contacted me with the information I need to proceed with my refinancing. I'm at the mercy of SunTrust to complete my mortgage refinance. Completely frustrated and still waiting for the payoff coupon or letter of settlement which was promised each time I spoke to SunTrust. On XX/XX/XXXX, I contacted Ms. XXXX, again to inquiry about her success in receiving my payoff letter, Account # xxxxxxx. Ms. XXXX has not received any information on how much longer I will have to wait for the payoff letter. Your consideration in this matter is appreciated. 
Kind Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
I closed my acc with XXXX XXXX XXXX ( a processing credit card payment company ) on XX/XX/XXXX in good standing to switch to a different company with better rate. Even after closed merchant acc and not providing services, they still try to to steal ( debit ) my bank monthly. So we had to go ahead change our bank acc number. 
On XX/XX/XXXX, they sent me an email claiming that i have a balance of XXXX $??? I guess they tried fo steal from our bank but can not, and that {$87.00} is original from their monthly fee of a closed account that they think they have the right to collect. Another word for it is Fraudulent Bill. 
XXXX created their own fraudulent bill, keep adding up on what so call unpaid balance to XXXX $ ( attach is the image of their bill as of XX/XX/XXXX ) Finally they try to have XXXXouth West Recovery Services to collect it for XXXX $??? ( attach is the image as of XX/XX/XXXX ) I attached all the pictures to prove im honest and telling the truth. Since the date i closed my merchant account til now. 
I called SWRS to validate the debt, first they acted like their computer was down so they couldnt locate my account. Then a week later-today A lady named XXXX from South West Recovery Services call me while im working and harrash me on an unvalid debt, i told her i will report this to Federal Trade Commison & CFPR . She said OK OK like she dare me to report her, then rudely hang up on me. 
Technically they tried to hold my good credit XXXX for their unvalid and unaccurate debts with hope to scam some more out of us. They target newly business owners like me, dont speak very good XXXX and have know so little about law, with hope we will give in so they can take advantage of us more and more. Like throwing the spagetti to the wall and hope it will stick somehow. 
XXXX XXXX XXXX created fraudulent bills for SWRS to collect. Then SWRS use the same method that XXXX XXXX XXXX use. Debt parking on random people with hope people settle an fraudulent and unvalid, unaccurate debt when theyre trying to apply for mortgage/loan because the negative mark on credit reporting they wrongly created could hurt the chance for these innocent people of securing a loan. 
These company think theyre above the law somehow, scam people everyday and think theyll never get caught. Im wondering how many of their victims already did fall and will fall for their scam?? very sad Any more question or proof, Please dont hestitate reach me at XXXX or XXXX Thank you so much Sincere 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 2021-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I have spoken with several employees XX/XX/XXXX at Credit Acceptance on different dates confirming that my 1st date of delinquency was XX/XX/XXXX but this company continues to report it as XX/XX/XXXX to the bureaus.They have sent me an invoice that clearly shows XX/XX/XXXX as the 1st date of delinquency. Ive been bounced around by management telling me to contact the bureaus because theyre the parties that are reporting this to my credit. I called each bureau only to be told that they only update what the Lender sends in. This account has been on my credit for over 7 years and should have been removed months ago. Since my dispute in XX/XX/XXXX Credit Acceptance has removed this from XXXX but keeps reporting to XXXX and XXXX that the information is correct when in fact it isnt. This is negligence on their part and illegal. Obviously they are aware that it should no longer be reporting because it was removed from XXXX. This needs to be removed immediately.

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 2021-10-16 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: Colony Brands, Inc.
State: CA

Complaint narrative:
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. Ginny 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with Ginny 's has been closed. It won't even show on my XXXX XXXX account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XXXX : Called company to request balance and itemized list of charges from Rent Recovery Solutions. Spoke with XXXX XXXX. Ms. XXXX said that my file was on hold and that the company could not take any payment from me. 

XX/XX/XXXX : request information regarding proof of rent collection debt owed and itemized charges. Reply from XXXX XXXX with an attached document that appeared to be a rent ledger. The Client Name was XXXX XXXX. Emailed Ms. XXXX and explained the discrepancy. Ms. XXXX called me and explained that the collections company would request the correct file from the original creditor. No further communication from company nor Ms. XXXX. 

Several calls to the company. Left voicemails. No replies. Made between XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX Called company and asked to speak with Ms. XXXX. I was told she no longer worked for the company. Representative checked my account number. She reviewed the file and said my file was on hold. I explained that this has been going on since XXXX. She transferred me to a voicemail. The voicemail said, You've reached XXXX XXXX ... '' I called back to ask for an email. I was told the company does not communicate via email. I explained that I had an email from the company. The representative did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: NC

Complaint narrative:
So TU/XXXX both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.

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 2021-10-16 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: NC

Complaint narrative:
So XXXX/EQ both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card by Goldman Sachs has problems with supporting their system while protecting confidential information. I spent 1.5 hours speaking with multiple reps and supervisors about a charge for an online purchase by a family member that was rejected ( for security, I guess ) and I couldn't see nor could I fix even after they apparently approved the charge. After any hour of chat in which the agent didn't respond for more than 10-15 minutes at a time and never responded, I eventually asked for a supervisor. The supervisor then told me to call XXXX for technical support and then disconnected my chat. But of course, XXXX should never have access to my private financial information, so I objected but had to call Goldman 's customer service line since they disconnected the discussion. Despite talking with multiple supervisors, at the end of the XXXX hours, Gloldman Sach 's only customer tech options were to contact XXXX. This is crazy as XXXX should not be reviewing individual financial transactions in the Wallet nor should I have to share my confidential financial information with XXXX to get technical support. Hard to understand with such large financial services companies. While the charge eventually appeared the next day, no one has contacted me to explain or help so I can even figure out how to avoid the problem in the future. But sending me for customer service to an outside company and need to disclose confidential information seems more than inappropriate. If Goldman Sachs is offering the credit card, they should provide necessary support to protect my confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: NV

Complaint narrative:
To Whom It May Concern, Pursuant to 15 USC 1681a ( 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 definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " 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 ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : 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 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app is being used by the adult services community to lure vulnerable people into sending money for " adult cam shows ''. I was a victim of this scam. The scammers are on a site called chaturbate. They try to lure you offline for a cam show on XXXX. I foolishly agreed after telling the I was uneasy about doing this because there is no recourse once i send them money via cash app. She seemed trustworthy, even reassuring me that she would never rip me off because she knows how it feels. I figured well its only {$20.00} and she seemed like a decent person. Immediately after sending the money i was blocked from chaturbate and XXXX and had no way to contact the scammer. I immediately reported this to cashapp hoping that they would investigate. They were extremely unhelpful and said that once money is sent it can not be recovered. They gave the same company statement and said there is nothing they can do. Supposedly it was sent to a manager but the manager was just as unhelpful and said there is nothing further she could do so she was closing my case. I asked to speak to someone above her and she refused. I am really upset with the scammer but equally upset with cash app because they know they are enabling illegal activity through their app and dont seem to care so as long as they are making money. Not knowing where to turn I am here. At least I can make my complaint known. If there are enough complaing hopefully cashapp will be forced to take action.

Company response to consumer: Closed with explanation