vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 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: Total Card, Inc.
State: CA

Complaint narrative:
Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA

Complaint narrative:
Contacted company to advise I do not owe on said debt. Talke with XXXX on XXXX XXXX hrs. EST. regarding his attempt to collect and unvalidated debt for Mercantile, and I am disputing any and all attempts, according to Georgia State Staute Codes according to law. Furthermore ; any and all collection attempts cease and desist immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-01-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have successfully disputed and XXXX, XXXX and Experian to remove a collection reported by XXXX XXXX. However, Experian Re-inserted the collection by XXXX XXXX that was removed on XX/XX/2020 without giving me a notice. According to FCRA, If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion. The Reinsertion of previously disputed information which is governed by FCRA 611 ( a ) ( 5 ) ( B ) is violated by Experian. The collection amount is {$1700.00} and original creditor reported to all bureaus was deleted after validation was requested by 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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX - never lived at this address. 

- never I told Experian by phone and in writing twice. 

Experian said XXXX XXXX has reported the address. I asked for verification, that XXXX XXXX  is reporting this, and Experian failed to provide this information. 

I personally called XXXX XXXX  and they said, that they are NOT reporting this inaccurate address. 

Experian has failed to act.

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TN

Complaint narrative:
old reaged accounts repeatedly slander my name and never go away. My scores are repeatedly dinged hundreds of points for reaged debts not mine, not owed, disputed in full ( as law allows for refusal to remove debts not mine- including fruad ). XXXX/XXXX/XXXX  XXXX  outright refuses to remove the debt whatsoever. Ive heard excuse in the book. TU is abusing priviledge here- slandering my name with inaccurate info beyond the statute of limitations in all 50 states. account age is from late XXXX, not XXXX. Account is NOT OPEN, NOT UNDER ACTIVE COLLECTIONS, TO DO SO IS UNLAWFUL. company responsible for reporting this info does not care. Accounts listed as fcra and fdcpa compliant- if they were, they would not be in my files. I DEMAND TRANSUNION RESTORE MY GOOD NAME AND REPUTATION IMMEADIATELY- and purge this XXXX from my files. Reported XXXX XXXX XXXX  united- which is the accurate state of affairs.

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 2021-01-16 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: Exeter Finance, LLC.
State: NV

Complaint narrative:
I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My English is very poor. I ask for your broad understanding. 

Transaction Date : XX/XX/2021 Time : XXXX XXXX  Transaction Amount : {$2000.00} USD = XXXX XXXX Nowadays, it is possible to buy cryptocurrency on XXX crypto exchange, After hearing the news, Many people trading through XXX crypto exchange and so do I. However, Exchange rate of XXX crypto exchange is not fair and unfavorable to users. In particular, the market price of Bitcoin has fluctuated significantly over the past two days, XXX crypto exchange is trading at a significantly higher exchange rate than the real-time market price. 
It happened when I bought bitcoin. 
I bought bitcoin when the price of bitcoin fell down to {$39000.00} exchange wanted to reduce the damage, delay about X seconds when I placed my buy order. And settled my buy order at {$40.00}. The exchange rate is about {$1000.00} higher than real-time rate. Currently, all exchanges comply with the principle of trading at a real-time rate. By the way, it is unfair to vote at an exchange rate as high as {$1000.00} because the market price fluctuates significantly. In this case of my transaction, XXX expected the exchange rate to rise, so settled my buy at a {$1000.00} higher rate, but the exchange rate fell by more than {$1000.00}. In the end, I ( user ) suffer an exchange rate loss of {$2000.00} and the trade begins. So, I sent emails and disputed several times that I wished that the transaction would be fair in real time, but all are denied. And the reason is [ This decision was made because your billing dispute doesn't match our qualification for a billing dispute ] and [ Explanation of whether the price difference is related to increased tip amount, shipping charges, taxes, etc. ] it is possible to reply when XXX had no crypto service. 
Probably, all users have the same complaint, so if they dispute, then theycontinue to be denied for the same reason. Eventually they end up giving up. XXX appears to be exploiting it. 
With the image of a reliable XXX, XX is stealing from users who do not know much about cryptocurrency trades in this form of transactions that can not be seen on other exchanges. 
As far as I know, this unfair trading method is a violation of antitrust law. 
I leave this note with the hope that it will be a fair trade ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reference to this credit report number XXXX from Experian I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX XXXX and Experian

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 2021-01-16 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: FL

Complaint narrative:
In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from Trans Union XXXX and 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 2021-01-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX financed XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This agency is attacking my name and credit with all three of the credit bureaus with frivolous and fraudulent sums of money they claim I owe their client. They have never sent me one piece of correspondence nor one phone call regarding this false debt. I contacted AG of Florida and they walked me through my next steps for protection against this harrassing agency, XXXX XXXX XXXX XXXX, Florida

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB This all started out with XXXX XXXX and the class action Settlement for predatory lending with multiple States earlier last year XXXX within this settlement, it states that XXXX agreed to relieve loans and help repair the credit individuals affected by their predatory landing practices. This was a auto loan placed between XX/XX/XXXX through XX/XX/XXXX On XXXX XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the Predatory lending settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2021 I made a charge for {$750.00}. From XXXX XXXX, key bank blocked my card until I verified it was myself who was making the transaction of {$750.00}. I did advised them that I was making a purchase for {$750.00}. However when I checked my statement I had a charge for {$750.00} from XXXX XXXX  along with a charge for {$53.00} from XXXX XXXX for a warranty also. I have advised key bank that I have been back in forth on the phone with XXXX trying to get them to return the {$53.00} because I did not authorize that charge nor have I received the warranty at all for the XXXX. Every time I call XXXX they say the money is going to be deposited in my account and as of todsy date neither XXXX or Key Bank have return the funds of {$53.00}. The warranty was never sent it now has a deliver date of XX/XX/XXXX the date keeps changing when I advised I didnt authority. I receive the XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
regarding account # XXXX, Please close and remove me from this account immediately. This is an unauthorized account and needs to be removed from my credit immediately. I have sent numerous letters and I recieved no response. I look forward to your swift resolution in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sa-Vit Enterprises, Inc.
State: NY

Complaint narrative:
Hello, I XXXX XXXX sent Sav-It Ent Inc a validation request to confirm the debt I owe. I received the validation letter and now want to settle this debt. I gave them a call and was told theyll do a pay to delete if paid in full but they refuse to send a letter or email confirming theyll delete. I was told we are not a letter 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 2021-01-16 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit score reduction should be corrected.

Company response to consumer: Closed with explanation