vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.P.M. Group LLC
State: OR

Complaint narrative:
I was called by a someone on XX/XX/XXXX at XXXX am who said their name was XXXX XXXX with IPM group who said I had an outstanding payday loan debt from XXXX. He had all of my personal information including address and social security number. He was very aggressive in me having to make a decision to pay them, while being flighty about company details. He called me from an oregon cell phone number ( XXXX ) but claimed his corporate office was in Texas. I asked to speak to a supervisor and he said he was the supervisor. I had pressured him further to speak to someone else, I could hear him hand the phone to someone else who was aggressive who said their name was " XXXX XXXX ''. I asked for a first name and was given XXXX XXXX. When I asked for company information he said " we are not doing this '' and hung up on me. I called back asking for more information from XXXX XXXX who continued using the phrase " are we going to be able to make this payment happen or will we have to move this forward? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: CO

Complaint narrative:
I was preapproved by Veterans United in XX/XX/XXXX for {$500000.00}. I asked my loan specialist via email and phone if there was anything else I needed to do. Provided all documentation including my job offer as requested. XXXX never disclosed to me about a rule that future income specified in an offer letter needs to have a start date within 60 days of the closing date. My start date is XX/XX/XXXX. I have received XXXX emails spread over about XXXX weeks from the Veterans XXXXnited Loan Specialist from XXXX through XXXX asking if I had a contracted offer yet. At no time were any additional requirements about future income disclosed to me. I entered into a contract on XX/XX/XXXX with a close date of XX/XX/XXXX. Upon submission of the contract to Veterans United in compliance with their instructions, I was notified by the loan specialist of a rule that they would need a closing date of XX/XX/XXXX to be able to count my future income. They also proceeded to tell me that since my offer is contingent upon me graduating college, I may not get approved. None of this was disclosed to me BEFORE signing a contract AND I was encouraged to pursue signing a contract by the loan specialist. Due to a {$3000.00} earnest money requirement and a time crunch on the inspection requirements, I had spent around {$850.00} on inspections already and had {$3000.00} at risk if I back out of the contract that I sent the same day upon discovery of the rule after checking with my broker as to whether I should or not with this rule. Upon contacting XXXX XXXX, he proceeded to treat me in a patronizing manner and lie to me about where the requirement comes from, lie to me that they had sent my loan up to higher and it was rejected ( he would later contradict himself in the same phone call ), and made my swearing at him the center of the conversation when I finally lost my composure due to him clearly lying and being patronizing. No real solution was offered to me, instead he made a point to check with the VA of the rule, ( I have online and still see no such rule as well as another lender telling my broker the rule doesn't exist on the VA end ). The only focus of the conversation was XXXX XXXX trying to get me to apologize, patronize me, and try to make the situation my fault, despite he and his loan team having a clear omission of substantial facts to me, omission that caused me to enter into a contract.

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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXX  L ) XXXX XXXX ( Original Creditor : KXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX

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 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
In response to CFPB complaint # : XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the accounts reporting on my XXXX consumer report, XXXX B which is a copy of their response to CFPB complaint # : XXXX, and a pdf of an XXXX report that will be labelled as Exhibit C when filing for litigation in Federal Court to this complaint. 

CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period. '' I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant XXXX XXXX XXXX ( XXXX ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

CREDITORS BUREAU ASSOCIATES stated that " Attached is the documentation of the statement from the original creditor as well as a breakdown of charges and credits. '' As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 

The Creditors Bureau Associates also stated, " The balances have been validated with the original creditor as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the XXXX and the XXXX by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2022-02-23 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: IL

Complaint narrative:
I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: GA

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am unable to reach Suntrust/Truist customer service to talk about my auto loan which I tried to defer payment for. I followed their instructions and faxed over the deferment document, but they failed to do what they said they would do. When I tried to call them on multiple occasions I got recordings from them stating wait times to speak with a rep are over 60+ minutes. The one time I was able to wait on hold for over an hour, they disconnected my call as soon as they picked up my call. 

I am getting no where and need help. These wait times are UNACCEPTABLE. Banks shouldn't be allowed to do customers this way. I didn't chose them for my auto loan, the car dealership did. I feel stuck and getting no help is causing a lot of grief. I took a look at what others are saying on social media, and I am not the only one who is hitting the same brick walls. If a bank can't handle their customer service lines and leave no way to get a call back, they shouldn't be in business. This is wrong.

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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX is completely unresponsive. You call them they hang up. You chat with them and tell them you are dissatisfied they disconnect the chat. They respond once with an incompetent response and then you follow up and they ignore. 

Can not access my account anymore as it was transferred to Citizens Bank. While at XXXX : 1. I did not receive the full amount back from a wire and followed up but was ignored.

2. I was charged to receive multiple wires the last several weeks of my account and was ignored when I questioned them.

3. I paid for new checks for my XXXX account and after I purchased them I was then transferred to Citizens so the checks are now useless.

4. Citizens is currently charging me to receive/send wires and I was not informed of this prior to the transfer. My understanding is my benefits would be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tired at many times to find out about why a company got a credit report on me, that i never requested, The company that requested my credit report is, XXXX.. from Experian, i contacted them and i was told to contact experian,, and all i have gotten is the computer run around many times will not let me talk to a human to find out more about why a company i have never heard about requested a credit report on me this happened -- XX/XX/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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MN

Complaint narrative:
This is a follow up to Complaint # XXXX. 

We have spent seven months trying to convince The Money Source ( XXXX ) that we had, in fact, paid our mortgage payments in a timely manner and were not delinquent at any time. We provided records of electronic payments and copies of checks showing payments. We spoke with XXXX customer service personnel on a weekly basis. Four of them stated they saw what the problem, and each assured us the matter would be taken care of. This went on until XXXX when XXXX finally acknowledged that they had credited our first payment to XX/XX/XXXX. They did not own the mortgage until XXXX of XXXX ; which we had told them repeatedly. 

Their fix entailed a four-day span of erasing the existing data and reentering the data so our account appeared to have been paid to date on XXXX XXXX. We retain the actual payment documents. We learned in XXXX that on XX/XX/XXXX XXXX had reported us as being " 30 Days Past Due Date '' to XXXX. This was brought to our attention by a mortgage banker who we are using to purchase another property. This information has not only been used by the mortgage bank, but has also been picked up by our credit union. We have asked XXXX for a written statement signed by an officer that the loan is not and has not been in arrears ; and that the false information be removed from any and all credit reporting agencies. Again, repeated calls, repeated assurances that it would be taken care of, and no letter. XXXX has stopped returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested my annual credit report using XXXX. fromXXXX, Equifax, and XXXX. I received XXXX 's report without issue. I have made mutiple request to Equifax and XXXX multiple times. Equifax and XXXX never cooperate. When free a free credit report is requested Equifax and XXXX continually refuse request with error submissions. I have read multiple complaints expressing the same issues over and over. It appears to be an online tactic by XXXX and Equifax to discourage the consumer from seeking free report to the point we will just pay for the report. 
XXXX has no online problems furnishing the annual credit report thru XXXX or correcting any incorrect information on consumer 's credit report when requested so I ask " If XXXX can comply with furnishing Annual Credit Reports without issues, Exquifax and XXXX should do the same ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 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

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 2022-02-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, account # XXXX and XXXX, account # XXXX have violated my rights. 

15 US Code 1681 section 602 A states that I have a right to privacy.

15 US Code 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CA

Complaint narrative:
Checked on my credit report and saw a balance of {$1500.00} from XXXX XXXX XXXX XXXX XXXX at am address I have never lived. I tried to dispute it through XXXX XXXX and they haven't done anything about it. I refuse to pay for a debt that's not mine. According to the report it was opened on XX/XX/2021 but they keep updating the last reported information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation