vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: NJ

Complaint narrative:
I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The XXXX and Transunion bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. XXXX did not correct any of the reporting. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

This complaint has been updated. The account has been reported as paid and closed in XXXX with XXXX and Transunion. XXXX has not updated XXXX 's records and my account is showing delinquent all the way to the present. This is unacceptable and is affecting me negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I never received mail correspondence from this company or the original creditor. I only received a phone call from a woman claiming to be from the collection company, she called during my work hours. When i expressed to her that she is calling during work hours she abruptly hung up on me. I have not received any further correspondence via mail or any correspondence stating my right to dispute and any options offered to me to help pay off the debt. Prior to this, i have tried multiple times with XXXX XXXX  to resolve the account. On multiple occasions i was told their system was down. They also double charged me and claimed it was because the system went off of the statement balance even though i paid my credit card down completely prior to the statement. They saw this, verified this to be true, yet refused to honor this and fix my account. Since then i have struggled financially to pay the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: AES/PHEAA
State: AL

Complaint narrative:
I AM LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: NM

Complaint narrative:
The reason of my dispute is because account XXXX XXXX XXXX Account # XXXX needs to be deleted because this ACCOUNT IS TOO OLD TO BE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
I AM LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Transunion, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have been disputing an item on my credit report through XXXX since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, national credit systems that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit app just took {$25.00} from me when that's very well on XXXX says the website is free it is not free I'm on social security XXXX XXXX XXXX trying to improve my credit for very known reasons the pandemic for one in any case they took {$24.00} out of my XXXX account okay and they will not fix the credit and they will not allow me to add my XXXX XXXX card which the government knows that's how I get paid from XXXX therefore I can not get a boost why would I pay a company to do absolutely nothing for me they don't give you access to the dispute site they took my money services are not rendered you can't get a hold of them to support on the website or by phone you can't even barely find the phone number it took me 2 hours to find it I want my money back because they will not allow me to add XXXX XXXX so I can't get a boost because that's how I pay all my bills please help and fix this problem we as American we have that right and we deserve to have our credit in good standing without being ripped off and getting the points we deserve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: AFNI INC.
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Afni, Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage servicer, Mr. Cooper, is supposed to pay my property taxes out of my escrow account. They sent my XX/XX/XXXX and XX/XX/XXXX tax payments ( {$1500.00} each time ) to an incorrect parcel number in XXXX County, California. 

I spoke with my county who advised me to have Mr. Cooper contact them and simply request a transfer of the tax monies from the " wrong '' account to my account. I communicated this to Mr. Cooper in a letter dated XX/XX/XXXX. 

Rather than having the tax payments transferred, Mr. Cooper levied a new charge of {$3000.00} against my escrow account on XX/XX/XXXX to pay the " missing '' tax payments. 
As a result, I received an escrow statement showing my escrow account had a shortage of {$3000.00} and my monthly payment will increase by $ XXXX/month for 12 months starting in XXXX of XXXX (? because of a {$1400.00} shortage? ). 

1 - I sent my First Notice Of Error letter to Mr Cooper on XX/XX/XXXX. 
2 - No indication in any Mr. Cooper paperwork that I am due a refund in order to make my escrow account whole and as it was before their errors. 
3 - Only acknowledgement and response from Mr. Cooper so far is XX/XX/XXXX acknowledgement of original letter stating that I would receive a response from them by XX/XX/XXXX. XX/XX/XXXX response letter stated I would receive a response by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I feel I was retaliated against after filing report with your agency. The added comment that I am disputing balance and my balance decreased by XXXX dollar. 

I lost 33 points for doing the right thing. They did not correct balance but dropped massive points due to me disputing incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
XXXX XXXX XXXX. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( Experian and XXXX ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. This fraudulent credit inquiry made by the following company : Inquiry : 1. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/2020 XXXX. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I noticed that there was a {$300.00} advance taken out of my Wells Fargo home equity line of credit. The description on my on-line statement was Requested Advance. This was done 5 times for a total of {$1500.00}. I called the customer service number to find out who requested the advance and where the money was transferred. After being transferred 3 times and disconnected once I was told this must be fraud and we need to close the account. The could not tell me where the money had been transferred. I was also told I would be contacted within 48 hrs to follow up on the issue. I explained I needed to re-establish the line of credit as soon as possible because I needed the availability for a commitment I needed to fund.

I never heard from anyone at Wells Fargo over the next 4 days. I called back and was again told someone would call me. Nobody did.

Once again, now the third attempt I called Wells Fargo again. I was transferred 9 times and disconnected twice. I was on the call ( calls ) for over 2 1/2 hours. Nobody seemed to know what to do. Nobody could tell me where the money was transferred. Nobody could tell me when I would hear from someone to re-establish the LOC or where my money was transfered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyota finances. After I paid three cars never a late payment well that's not true maybe one time. The XXXX before Coronavirus quarantine I had spoken to a lady that said she was going to give me a retroactive I think that's what it's called an application for me to fill up I was behind one month for some reason no money was coming in work-wise obviously there was a pandemic. They send me a letter and I have proof of all this that I did not get approved for a {$900.00} loan {$900.00} loan so I wouldn't lose my car because I decided to pay those {$900.00} in rent it was either rent or my car and I went without eating. Did they exactly the day of the pandemic we all got into quarantine my car was full of so many things clothing massage table but yeah I heard of repossessions I didn't think I was going to get repossessed because I was trying to work the problem. But no that same day my car gets repossessed and then what there's no work there's nobody in the offices there's no communication with Toyota finances forever they get back to me in XXXX telling me my car and everything and it was sold and that I owe {$10000.00} ruining my credit even more because now I have XXXX points in my credit and I could not get a loan and I could not do my XXXX And I can't rent a house and I can't get any credit cards and all I owe in credit was like {$1500.00} all right so I had a credit card that I didn't pay because my boyfriend ran it off. Not enough to go bankrupt not enough to ruin me for life I'm XXXX  now I go days without eating and I have no door opening because everything is at XXXX XXXX  so yes tell me Toyota didn't know there was a pandemic coming and they wanted to have make sure that their cars were in their bills were paid off and make sure that nobody XXXX them over. I love that car I love the car before that and I love the car that I had before that and guess what now I can't even own a car because they should actually give me a free car for what they did to me they I never been so poor and so hungry that car was my job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: NJ

Complaint narrative:
I noticed a collection and a few inquiries on my report that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
XXXX XXXX XXXX. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and TransUnion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.

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