vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit systems purchased a debt against me for an apartment lease that I did not live in or rent from. My credit was affected by this and I am currently denied housing from leasing companies due to this. The leasing company that sold the debt to National Credit System has sold their business to a new corporation. Due to this I am unable to have this issue reviewed and rectified. The leasing agent that I originally spoke to via telephone in XXXX of XXXX was terminated shortly after, and then the company was sold shortly after his termination. I never seen the apartment or received keys to the apartment, or lived in the apartment. National credit systems informed me in XXXX of XXXX  that I owe {$4900.00} for the apartment and that I am obligated to pay them in full to clear the debt. When I attempted to enter into a housing agreement with a leasing company, I was denied due to National credit systems being on my credit. The leasing company is " XXXX XXXXXXXX '' broke the agreement of the lease because according to the terms, I never inspected the apartment prior to occupying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: AL

Complaint narrative:
The XXXX  account on my fervor has nothing to do with me. I've never submitted or recieved anything from them. The address on file has never been associated with me. It is actually a business address. I tried to dispute this with experience twice but they keep kicking it back with no answer at all. This account is clearly fraud and experiencing will not do their due diligence.

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 2022-02-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not give any written instructions nor did I authorize any of these inquiries. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). The following shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XX/XX/XXXX XXXX FXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Had a car loan taken in my name when I was Married Car was going to be her responsibility when we went to court later found car had been repo. Back in 2016 Ive asked for it to be taken off my report. Plus with the age it should be anyways. And there marking missed payments even tho its been since 2016 since payments been made and since XXXX when I bought it. Never got papers from this company to saying I could buy it back and thats against the law never got papers showing what the car actually sold for to and thats against the law. It needs to be removed from my report. Plus the missed payments needs to be removed from being on there every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I sent my mortgage company an email asking them to send me a written explanation of there second escrow bill. They did not want to respond to me by email and told me to call. My issue is I received an escrow bill in XXXX for {$6400.00}. After I had issues with the bank applying my escrow payment I made a complaint here with you. Finally mid XXXX I got my escrow lowered. However, XXXX  sent me anew escrow shortage bill and it does not add up to what they initially sent in XXXX. To explain I sent a shortage payment in XXXX of XXXX but was charged the full XXXX Mortgage payment in XXXX which covered the escrow shortage of XXXX which equaled a total payment to my escrow of {$6300.00} leaving a balance of XXXX. With that said the bank sent me a new escrow shortage bill of XXXX. Not only did they increase the shortage but the statement shows an increase from the initial statement in XXXX for the escrow/ impound. The first statement show the escrow/impound at XXXX and now on the new statement it shows it at XXXX. I dont understand why the numbers changed and now Im paying more then was stated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: FL

Complaint narrative:
The following inquiries ( also found in the attached documents ) as reported on the Transunion credit report were made without my consent or authorization. I am demanding the immediate removal of ALL inquiries on my credit report that include : Account Review Inquiries Promotional Inquiries Regular Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is a fact, I, a natural person and Consumer, must be given a chance to direct whether I want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I, the consumer was not given the chance to opt-out of having this reported information not to be reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed immediately.

It is a fact, I, a natural person and Consumer, have reason to believe and do so believe, that this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove ALL inquiries on my credit report that including but are not limited to : Account Review Inquiries Promotional Inquiries Regular Inquiries

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 2022-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Conduent Incorporated
State: MI

Complaint narrative:
XX/XX/22 & XX/XX/22 {$18.00} x 2 i talked to XXXX XXXX on XX/XX/22 they told me to contact way to go card to resolve the issue of me being charged double for the transaction so i called the disput department they put me threw to level 2 disput department when they couldnt resolve the issue i waited on hold for n hour then some1 spoke with me briefly before sending me through to the correct department they stated n no sooner then the next person picking up the phone 48 minutes later i informed them off the issue n they hung up on me n it was a process to even get the correct number to call for them i had to look up get human for the go program n yet 1 of the charges are still pending after all this time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Please see attached document as it explains my full complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: FL

Complaint narrative:
I have XXXX XXXXXXXX XXXX app on my phone. The other day a pop up appeared asking to block last call. I checked the log and I saw 30-40 instances of a number calling me. I decided to call in back and the first person I spoke was very abusive and hung up on me, all from me asking questions. I called back immediately and spoke with a young lady and her and I were working out this issue. However, this company continued to call me 18 more times after this interaction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One of the credit bureau informed I had gotten a new loan from One Main Financial on XX/XX/2021. That is not true. I already have an open loan with them several years ago not a new on in 2021. 
Furthermore, One Main is reporting my balance higher than it actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
To whom it may concern concern. 
I have been disputing a debt in the amount of {$560.00} that was never mine with a company called " SPRING OAKS CAPITAL LLC. '' Original creditor was " XXXX XXXX XXXX, '' which before they first contacted me I had never heard of. 
I have only ever received one phone call from them, and I have been asking for a verification letter, hard copy signature, and / or proof that it is my debt since XX/XX/XXXX. 
I resubmitted a dispute again on XX/XX/XXXX. I have not received one phone call or letter since that time. 
I have given them 60 days, which is 30 days longer than allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX  collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX  validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either XXXX  or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am harassed by the company daily. I have requested a bill from the hospital they claim I owe money to many many times. All I have received is XXXX letter with the debt companys name on and an amount owed. They will not give me a bill to show what this debt is for. 
National recovery agency The people I have spoken to have always been so incredibly rude and nasty and wont do the most simple thing of providing me with an itemized bill in the mail from the company they claim I owe money to I cant pay a bill I dont ever receive and I will never pay a debt through a text message which they text me Daily not a phone call not a single thing in the mail just text

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 2022-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: NC

Complaint narrative:
I am conducting this complaint on the SELF credit card. I have tried several times for months to pay my card off, however, the payment always states failed and the transaction never goes though. I have tried to call the customer service number over a course of months and even waited on the phone for 2 hours on hold. Even then I could still could not get into contact with anyone. Finally when I contacted them though email, I received a response. Unfortunately, it did not even help me find a solution. In that instance I asked for a supervisor and the associate stopped contacting me. This card is starting to affect my credit score in a very negative manner and I just want the issue to be solved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Nelnet, Inc.
State: LA

Complaint narrative:
My student loan servicer is Great Lakes. I work in public service. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted Great Lakes and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the COVID freeze. 

I took my loan out of the COVID freeze and started making payments. However, Great Lakes has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my Statement of Loan Obligation. I have repeatedly contacted Great Lakes and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and Great Lakes again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

Great Lakes has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of 10 years into a public service position and will presumably qualify for PSLF ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: MI

Complaint narrative:
I have contacted the reporting agencies for over a year now trying to fix my credit profile I see that my personal information is incorrect. Also there are accounts that have discrepancies with the other credit reporting agencies. I feel my letters just get ignored when i ask for help regarding these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
My student loan servicer is XXXX XXXX. I work in XXXX XXXX. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted XXXX XXXX and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the XXXX XXXX. 

I took my loan out of the XXXX XXXX  and started making payments. However, XXXX XXXX has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my XXXX XXXX XXXX XXXX. I have repeatedly contacted XXXX XXXX and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and XXXX XXXX again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

XXXX XXXX has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of XXXX years into a XXXX XXXX position and will presumably qualify for XXXX ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.

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 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My two bank accounts ( XXXXXXXX XXXX  XXXX XXXX ) and my three credit ( XXXX XXXX/Capital One/Capital One -Walmart ). Giving me a VERY HARD TIME WHEN I'D DISPUTE ITEMS. RARELY WAS I REFUNDED. THERE HAS BEEN FRAUDULENT AND/OR UNAUTHORIZED CHARGES ON ALL FIVE OF MY FINANCIAL ACCOUNTS THAT JUST HAVEN'T BEEN INVESTIGATED AS I'D REQUESTED OR THESE CHARGES REAPPEAR AND OR CAUSE MY ACCOUNT TO BE OVERDRAWN AND OR USE MOST OF MY SSI/XXXX XXXXXXXX INCOME AND LEAVES ME UNABLE TO PAY MY MONTHLY BILLS AND TAKE BASIC CARE OF MYSELF. MOST IF NOT ALL OF MY ACCOUNTS ARE SEVERALLY DAMAGED RIGHT NOW! I'M REQUIRED TO CLOSE DEBIT CARDS WHEN THE BANK KNOWS I HAVE BILLS ETC. MY MONEY IS NOT BEING REFUNDED PROPERLY AND IM NOW SEVERALLY IN DEBT AS OF XX/XX/22. I'M REQUESTING ASSISTANCE IN INVESTIGATING THE ACTIVITY ON MY ACCOUNTS, ESPECIALLY SUSPICIOUS ACTIVITY. THANK YOU. CALL ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief