vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION

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 2022-04-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TX

Complaint narrative:
I ( a natural person ) was issued a false debt by EDFINANCIAL in the amounts of {$2400.00} and {$4400.00}. I contested with EDFINANCIAL asking to provide me the original instrument. EDFINANCIAL failed to provided me this instrument. I was sent a letter which I uploaded alongside this complaint. EDFINANCIAL has also been reporting late payments during these most stressful and uncertain times of XXXX between XXXX. These accusations have caused a negative effect on my credit worthiness and a great deal of stress. I am a consumer who only wants to ensure my financial matters are in fact valid but why would I pay an alleged debt? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
My apartment Was destroyed by a fire I was then notified To vacate the premises and that my lease would be terminated I was given 15 days to evacuate property. I left. I never gave forwarding address because I was never informed of liability. The Fire Was deemed as accidental with no known cause of fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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  XXXX Acct # XXXX 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CT

Complaint narrative:
I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under 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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX 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 2022-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION

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 2022-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
First off, i financed the motorcycle and it got stolen a month later. Even after being stolen I always kept paying until XXXX when I stopped receiving my bill letters and when I called the creditor they said they didnt have any account under that social security number. Called again before I XXXX towards the end of XXXX and they said the same thing, I thought maybe they found the bike or it was like a COVID relief thing. When I came back from XXXX in XXXX i downloaded the XXXX app and few weeks later after that I got this notification of my credit dropping almost 100 points. I never got anything from anybody stating I was going into collections and nobody ever contacted me. I think its unfair that I tried to contact the creditor and they said didnt have an account with them and they just sent me to collections without trying to resolve this issue by avoiding this.

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 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
I had a collections account appear on my credit report that I had no knowledge of. When I contacted Wakefield and Associates on XX/XX/XXXX, I was told they could not send me an itemized bill for the original account unless I submitted the request in writing. They could only tell me the name of the original account holder. They could not tell me what the bill was for. I had already verified my personal information. They also told me that they had spoken with me prior and had sent me multiple bills in the mail. I did not receive any of them nor did I speak with anyone on the phone. On XX/XX/XXXX, I contacted the original debt holder ( XXXX XXXX ) in an attempt to verify the validity of the debt. They also could not tell me what the services rendered were. They told me they were the billing office for the doctors at the local hospital. They also said they mailed me bills and attempted to call me. I did not receive either. I then contacted Wakefield & Assoc. again, only to be told that if I chose to settle, they would not negotiate the terms. 30 % discount and then they would put in a request to have my account deleted, but only if I paid by card which had a processing fee of {$6.00}. I requested another bill, and that was when they told me that the settlement offer expired on XX/XX/XXXX and the mail might not get there by then. They said I had to have my payment to their office by XX/XX/XXXX in order to qualify for the discount and to have the request for deletion be sent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
filed my first complaint with cfpb on XX/XX/XXXX, complaint XXXX basically addressing the same issues. My contract with Cross Country Mortgage LLC., reads no escrow for hazard insurance and prop taxes, and I have paid my ins through XX/XX/XXXX. I received a written notice on XXXX from Cross Country Mortgage LLC escrow ins in the amt of {$470.00} eliminating my escrow for hazard ins. My original statements show absolutely no escrow for hazard ins. In spite of this, when I do get a statement, it still shows the escrow and the amount. Obviously, my concern is that it's creating a short fall in my mortgage payments each month. Cross Country Morgage has continually failed to apply accurately my monthly payments and providing me with my mortgage statements and XXXX yearend Federal form XXXX for interest paid for XXXX. I have made many attempts to contact Cross Country Mortgage LLC both by telephone, email, and letters to resolve these issues. It is my understanding that Cross Country Mortgage has a 3rd party arrangement with another company handling their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been working through a certified HUD Counselor with the lender MR COOPER/Nationstar mortgage llc , the HUD counselor was able to work out or what I thought was work through my issues with my delinquent mortgage. per the email exchange and phone conversation. Mr cooper employeXXXX XXXX XXXX and XXXX XXXX, who advised me that I can send over payments to bring my balance down, they also said they would allow a 3rd party government agency to help pay my balance down, they agreed to place money in a suspend account and not return the funds so that the California home mortgage grant program can pay off the remaining which would be {$80000.00}. we were asked to send the payments to the attention of XXXX XXXX. I have complied with all of their directives, the lender sent back the payments and posted letters in my portal stating it wasnt enough monies to bring account current, but the agreement was they would hold the payments in suspend to allow the government program to pay the XXXX. To satisfy the past due. I was then told to wire the money the wire was also rejected. I am trying to save my home this is why I worked with the hud counselor, why was there an agreement in place and the lender violated the agreement they made with HUD,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have contacted Apple Support multiple times including today ( XX/XX/2022 ), and have not received proper help. Support bounces me around for hours just to say theres nothing they can do. I would rather work with a collector than Apple. My account was closed in XXXX for being past due, but my account was not past due ( look at attachments ). I dont want this card as Apple is terrible service, but I would like to settle ( which they said they cant do ) as I dont agree with why the account was closed and I dont see an end to their practices. They said the account will stay like this until I repay it and reapply 30 days after. Please help me as Apple thinks they can push us little guys. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: NJ

Complaint narrative:
this is true to the best of my knowledge also I am not using NO third party company. I've sent Lexis Nexis a letter on XX/XX/2022 stating to remove inaccurate information and I have yet to hear any responds. attached are my document ive sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TN

Complaint narrative:
Last year I received a letter in the mail from an auto loan company saying I owe XXXX dollars for a car I never owned. I logged into my credit report & saw multiple collections for a accounts I've never opened. I called the police & told them I've been a victim of identity theft. Recently reviewing my report I have noticed new a XXXX  account collection report on my credit. I've never had XXXX service. I'm positive this is a new account from identity theft that is just now reporting. I have frozen my credit & contacted the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
It was opened credit card on my name just today. I immediately called to card issuer and they started investigation.

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 2022-04-08 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: TN

Complaint narrative:
I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This complaint is for a collection account on my XXXX credit report. The account showing is Mountain America CU. Listed XXXX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my XXXX report and as well any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have a problem with the Paypal financial institution since they blocked my account for 180 days with the promise that after these days they would return the balance ( XXXX XXXX ) that remained in my account during the entire blocking period ( 180 days ) This was not so. Wait the time that Paypal told me but at the end of the period they did not return my money and they kept it I tried to solve the problem by calling their customer service and they told me that the money could no longer be returned to me for reasons of an alleged fine. I think they are stealing money from me that I already work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone opened a credit card account using my name and Social Security number and made a large purchase.

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
In times past I sent documents to dispute this debt. I have never personally applied for this debt. I submitted dispute letters, I sent a letter to stop all calls which did happen. On today XX/XX/XXXX, I called and spoke with a representative which did let me know they received my disputes, but they were still going to seek compensation for the said debt. I then said so as a consumer I have rights, and no debt should be on my report according to 15USC1681b. I advised this is fraud. The rep said well we show payments being made, and you even asked for a deferment on the loan. I said it sounds as if you're pointing fingers. I said in fraud, people get things in ppl name all the time and may not have intention on just taking... they may start out good and something happens but then when they default the bad falls on the victim. She said well could you have forgotten since it's so long ago??????? 
This is Real Time RESolutions XXXX file number is Account number original XXXX which I have no clue... .this debt was open XXXX of XXXX. Owing over {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
I had an outstanding balance with a hospital after being cared for that I paid off ( and have proof of payment ). Several months later I was contacted by a collections agency claiming that I had not paid my debt when I had indeed done so.

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 2022-04-08 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: U.S. BANCORP
State: KY

Complaint narrative:
US Bank has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a US Bank Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.

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