vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
The bill is at an address I have rental property. I have never lived at that address. The mortgage is in my name. Per the collection agency, the email address is for XXXX. I have an XXXX XXXX XXXX  account, never had a XXXX XXXX account, for utilitites? I thought the calls were scams, I did not respond. I never received any letters to my residence where I have lived since 2000. Why is this on my credit? Not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
in XXXX this year I attempted to start a new payment plan with Ally financial in regards to my vehicle loan I informed him clearly that I just started an appointment and I was waiting to be paid and I didn't know the estimated time but knew that there may be a long wait process. They agree to except XXXX gor the month of XXXX down and another XXXX to start the new agreement. less than a month later in XXXX they re-put my car by the deceptive practices I had to pay another {$2000.00} to get my vehicle out which would've caught me up for the month of XXXX because that would've been based on plan a out of been completely caught up. so I called and asked him for help and I want up forking out {$2800.00} so now this takes us into by the time I get my check I called him to try to settle up which is XXXX XXXX months after the initial application for unemployment benefits. Never disputing that I owe the money I told him I'm arranging to pay I wanted to know which payment plan on one they had to do their own internal investigation because they couldn't tell me which payment plan I'm on but they gladly locked me out the system so I can not access my financial records and see where my monthly payments were at nor where my current payments were being disbursed. they wanted me just to take their word for and run to XXXX now mind you to pay which is not the normal way to pay so because of all the fraud that's going on of course I'm investigating this myself they come out and repo it a second time and tell me I owe the remainder of the amount which is {$10000.00}. They stated that I didn't send the initial application back from XXXX yeah I never got any paperwork I never got any paperwork from them until they already repeat repeat my car I have a whole bunch of Ally paperwork now flooding through my door. their workers were deceptive and they even charged my mom 's credit card additional in XXXX which means they were calling her and harassing her for the money yet when I call them nobody knows or can answer my questions. I did report them to the Attorney General I contacted the FTC and the XXXX XXXX XXXX XXXX  or something and now I'm looking into a lawyer because I'm technically on welfare right now .I signed up for XXXX to try to increase my credit score however due to these days at the practices my vehicle was sold at auction and there's now harassing me I get phone calls every day told me I owe that money because they sold my vehicle and I told him they're gon na wait till I talk to a lawyer. and I'm a XXXX so by this time I can't even get to work and my kids I've been walking them to or from school. He calls me emotional suffering and find a more financial burden because looking for a job and obviously changes how I can work

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 2021-10-22 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
Back in XXXX I was trying to refinance my home with Amerisave Mortgage. XXXX XXXX is the rep I was dealing with and I was also communicating via email with a person named XXXX XXXX. On roughly XX/XX/XXXX ( and I can certainly verify that ) but I paid XXXX {$500.00} for my home appraisal. Before I agreed to send them this money I asked my rep XXXX to confirm why I was sending them this money, etc .... ( I was recording the conversation ) He said I had to pay the {$500.00} before I could schedule my appraisal. This was just the beginning of the drama and unprofessionalism I dealt with. However, I never refinanced with them because they were constantly asking me for information I had already submitted and they also had my job history screwed up. I chose not to do business with a company that couldn't keep track of my personal information and therefore I never had my home appraised, although I had paid {$500.00}. I have called this company NUMEROUS times, I have emailed my reps, I have left messages with a person that took my call on several occasions and they were to have a manager call me, to no avail. Last Thursday I believe, I called the company and the operator that answered said she would get a manager for me and then she came back to the phone and said my rep XXXX had been trying to reach out to me and transferred me to him. He answered and then immediately transferred me back to the automated system and I got another person. I told her I wanted to speak to a manager and she said she would take a message and have someone call me and I still haven't heard from anyone. I am reaching out here before I contact my bank and see what they can do to help me recoup my {$500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: OneMain Finance Corporation
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: VA

Complaint narrative:
It has been explained to me by all three credit reporting agencies, that they do not work for constituents ... they work for creditors. Their goal is to make one 's credit scores lower, so that the creditors can charge higher rates. 

I have two legittimate loan which have been paid to a company. I have submitted Notarized statements of the significant payments and closure of accounts. Theese belong on my credit reports.

All three have refused to place these on my credit reports for " your creditor is not one of our paying Partners '', They are intentionally keeping significant information of large credit accounts paid in full ( and early ) in order to help their real clients, the creditors to charge larger interest rates. 

I demand they place the attached in my file as positive creditor Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be 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 2021-10-22 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: DISCOVER BANK
State: TN

Complaint narrative:
I had an amount for {$570.00} that was due on my credit card ( discover ) that I was trying to get paid on the XXXX of XXXX but I was unaware that the payment was attempting to come out of my savings and not checking. So due to this issue it caused my card to be put under a late payment when in actuality I was trying to get it paid before the due date and statement date. I called my bank, credit card and tried to dispute it thru the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It has been explained to me by all three credit reporting agencies, that they do not work for constituents ... they work for creditors. Their goal is to make one 's credit scores lower, so that the creditors can charge higher rates. 

I have two legittimate loan which have been paid to a company. I have submitted Notarized statements of the significant payments and closure of accounts. Theese belong on my credit reports.

All three have refused to place these on my credit reports for " your creditor is not one of our paying Partners '', They are intentionally keeping significant information of large credit accounts paid in full ( and early ) in order to help their real clients, the creditors to charge larger interest rates. 

I demand they place the attached in my file as positive creditor Activity.

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 2021-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: AZ

Complaint narrative:
Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.

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 2021-10-22 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I had an initial auto loan with Bridgecrest, upon financing with a more reputable bank, a payoff check was sent to Bridgecrest from our new bank XXXX. Bridgecrest received the check on or around XX/XX/2021. The tracking number proves it was received by Bridgecrest. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to Bridgecrest and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that Bridgecrest had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SLM CORPORATION
State: VA

Complaint narrative:
Multiple problems but the 1st is with the sign up rewards bonus. I was supposed to get {$200.00} sign up reward after spending {$1000.00} in the 1st 3 months and that never happened. I'm also supposed to get 1.5 % rewards on each purchase but that ceased without notifying me. 

There is a separate problem with payment processing. It took them 45 days to process a payment one time. Now, they have a payment " on hold '' and are not allowing me to use the card. My current balance is- {$390.00} ( because of the delay in payment processing ) so they actually owe me {$390.00}. 

This is the Sallie Mae XXXX Credit Card. My limit on the card is {$7000.00}. Calling their customer service is not effective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: SECURITY FINANCE CORP
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be 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 2021-10-22 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: RFNA, LP
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or updated immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: I.C. System, Inc.
State: AL

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be 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