vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: UT

Complaint narrative:
For 4 years, I have tried to resolve this issue. In XXXX, I spoke with an account representative at IQ Data named XXXX XXXX, who began yelling at me over the phone as to why I could not afford to pay the account. He told me he does not care about any of my reasons and he will make sure I can never own a home, demanding I pay or there will be consequences. He would talk over me and not listen to anything I had to say. 

I hung up the phone and called the main line at IQ Data where I explained the situation. The lady on the phone said that XXXX 's behavior was inappropriate and they were transferring my account to another agent. She assured me " you will never have to speak with XXXX XXXX again as we do not handle business in that manner and I apologize for the treatment. '' Two years later, I called again to resolve the account and they told me " XXXX XXXX has since been promoted to manager and will be handling your account-you can only speak to him. '' That time on the phone, XXXX said he didn't recall how he spoke with me last time and so he refuses to move my account to someone else. I attempted to pay the original balance and he said I need to pay him an additional {$600.00} of an illegitimate debt. 

Please see attached supporting documents of correspondence. I drafted a letter to this agency outlining timeline of events and why this debt is illegitimate. I did not receive a response. I also included information from Data IQ attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX  XXXX XXXXt/Acct # XXXX 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 2023-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Called XXXX  Spoke with head of dispute center supervisor named XXXX XXXX, under my rights i recorded the call for my safety. XXXX was calling me a lier stating they was not violating any rights then hung up in my face. This is unacceptable for a company and i demand for him and his authority to be handled correctly immediately.

According to 15 USC 1681A ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 USC 1681B ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Stellantis Financial Services US Corp.
State: TN

Complaint narrative:
I bought a XXXX XXXX XXXX  and it was financed for 60 months is what I thought in the beginning but I am being told XXXX payments. I have had this vehicle since XX/XX/XXXX and I traded in another vehicle as a down payment for this one. Well my loan was suppose to be paid off back in XX/XX/XXXX of this year but XXXX Investors extended my loan saying due to I had XXXX payments deferred which totaled XXXX and that they would be put on the back of my loan to extend it to get those XXXX payments. After that deferment I have made every payment after that. As of this email I am due for my XXXX. First investors never explained to me the interest on the deferred payments and I asked what would happen to those payments and they said they would be put to the end of my loan so now they are saying I owe XXXX and I asked them if they would be willing to take the amount of the deferred payment and they said no they would need XXXX and would put my account as paid for less than owed or something like this. Then I get a email stating I only made XXXX payment, how is that when I only deferred XXXX payments. I believe this company is doing something fraudulent because theres no way I only made XXXX payments since I had this truck. Its going on XXXX  years where as if my contract was suppose to be paid in full in XXXX of XXXX. Have you ever heard of someone paying on a vehicle for XXXX  years?? Please investigate them and their practices because its not adding up for me. I admit I have had a few hiccups but since my deferred payments when they were late I would get caught up and pay extra on my account. So something isnt adding up

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 2023-07-27 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to IC SYSTEM INC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then that is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, I was charged by XXXX XXXX for a service I did not receive. 
On XX/XX/XXXX, the original charge was voided. 
XXXX XX/XX/XXXX, I was charged again for the service I did not receive. The Citi representative understood there were two charges and one voided charge. The Citi representative determined which charge to contest. 

On XX/XX/XXXX, I contacted Citi and disputed the charge. 
Citi issued me a conditional credit. 

On XX/XX/XXXX, Citi ruled not in my favor, because the XX/XX/XXXX charge had been XXXX XX/XX/XXXX, Citi reversed the conditional credit. 

I called Citi again and re-opened the dispute. I explained again there were two charges and only XXXX was voided. Citi ammended the claim so that now the dispute was for the second charge, not the first charge. 

On XX/XX/XXXX, Citi issued a letter saying that the dispute had been resolved in my favor, and that the conditional credit was permanent. The letter stated that no further action was needed on my part. However, The conditional credit had been reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Citi to re-open the dispute. The representative said that they could see that the dispute had been resolved in my favor, that the conditional credit was permanent, and that the conditional credit was cancelled. The request had to be forwarded to a department that was closed. Since it was late Friday, he said that someone would call me on Monday. 

On XX/XX/XXXX, I called Citi. The representative did not have a record of the call. She said that the audit department did not call people. She said they would typically address the request in XXXX days. 

On XX/XX/XXXX, there is no update from Citi. I will call them and inform them that I have issued a complaint. The most troubling thing is that Citi issued a letter saying " There's nothing else you need to do. '' Since this is just plain false, and since Citi has all of the information needed, I see this as evidence of Citi deliberately misleading a customer with a dispute.

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 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AML Funding LLC
State: FL

Complaint narrative:
To Whom This May Concern, I applied for a refi loan through Absolute Mortgage and Lending with lender named XXXX XXXX. XXXX originally told me that an appraisal on my residential property is NOT needed. However, XXXX weeks later he told me that underwriting required an appraisal on the home. XXXX told me I have to pay for the appraisal fee of {$590.00} but I didnt sign an intent to proceed form. Thus, the process took so long. I went with another lender and got the clear to close in 3 days!!! Im writing to request Absolute Mortgage and Lending to reimburse me the full appraisal amount of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
In XXXX, I received correspondence from my mortgage servicer, that I was almost in foreclosure for non-payment. I called and asked when I didn't make a payment, and they told me it was in XXXX of XXXX. I called my bank and requested canceled checks proofing that I had made the payment and that it was cashed by the loan servicer. I had all of XXXX and every check was cashed. I called again and asked since you are accusing me of not making a payment, tell me which month and I can prove that I made the payment and there is a mistake on your end. Again I called and could not get a definite answer, it was XXXX, it was XXXX. They could not give me an answer. The person I spoke to, XXXX, told me he would talk to his supervisor, and the supervisor would call me on XX/XX/XXXX, at XXXX am EST and tell me when I did not make a payment. The phone call never came. I called again and got another representative, and once again the same thing, this one said my loan started with a rearrange. I have mortgage statements from the beginning and the unpaid amount did not start until XXXX. I am being damaged by this negative credit impact, my credit score has already dropped XXXX points and a loan that I applied for, I was denied because of this issue. What type of financial institution doesn't know when a customer did not make a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to LVNV FUNDING  which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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:
I mailed dispute letters to EXPERIAN, XXXX XXXX XXXX for the following accounts appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 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.

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 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have credit builder account with MoneyLion. I make a monthly payment of {$88.00}. On XX/XX/XXXX the payment was taken out of my account. I went on the account to check to make sure everything was current. After visiting the account I see that the account is showing past due. I reached out to Customer Service and they told me that they had escalated my case to the appropriate department and it shouldve been fixed within 3 to 5 business days. That was not the case. I reached out to them two days ago regarding the situation and they again gave me the runaround and yesterday they emailed me saying that the dedicated team is still working on the case it has been almost 3 weeks and they are sending me email saying my account is going to be at fault and the added additional charges to my account when I have the proof that they have taken that money from my account but no one wants to fix it. I am honestly tired of all the runaround they are giving me. This should not be a three week process. It is an easy fix. They told me that they do see where the payment was taken so I dont know why they cant make my account current because I do not owe them anything.

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 2023-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
PHH mortgage is my lender. 

The company charges a XXXX $ " Included Draft Fee '' when making an additional payment. 

An agent with the company told me that if I was included in paperless I would not be subject to the Included Draft Fee. 

I feel like people should be entitled paper copies of their mortgage statements AND not be subject to an additional fee when they are already paying hundreds of thousands of dollars to their mortgage 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 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equity is my GOD GIVEN RIGHT!

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 2023-07-27 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: AZ

Complaint narrative:
The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equity is my GOD GIVEN RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equity is my GOD GIVEN RIGHT!

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