vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
The account with credit acceptance was closed in XXXX when I voluntarily surrounded the vehicle due to the fact I had a XXXX and could XXXX XXXX any more. I called the company and told them what happened and to come get it. Since then they have put a garnishment on my check as of XX/XX/XXXX and they receive it biweekly and when I disputed the account information on my credit report that the balance they had was wrong because they werent giving me credit for the payments which is now over {$900.00} as of today they reported back saying I only paid {$240.00} and reopened the account and increased the balance and said I was behind on payment I have check stubs to prove how much Ive paid that they are not reporting and that Im not behind because Im being garnished biweekly and the balance should not have been increased over {$200.00}.

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 2022-01-15 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:
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 I have called all customer service would not help and take care of the negative inquiries reporting to your credit report.

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 2022-01-15 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-15 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: AL

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following fraudulent accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ). Experian failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to XXXX on 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 2022-01-15 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: FL

Complaint narrative:
I was notified of a late payment for a loan I never took out, it was apparently fraudulently done through regional finance. I filed a police report and sent in all documents that regional finance required to dispute the ownership of the loan. They promised to remove it from my credit file and it has not been. It is now in charge off. I have disputed the fraudulent loan that I never opened with all three credit bureaus multiple times and it still has not been removed from my credit report. These people are a terror and need to be stopped from wrecking anyone elses credit because they allow fraudulent loans to be opened without any identity verification.

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 2022-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I have called all customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: AL

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following fraudulent accounts ; XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ). TransUnion failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to XXXX on 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 non-monetary relief
Consumer complaint received 2022-01-15 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: TN

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have got in the hands of the wrong person.

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 2022-01-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
I dont have this bill why they charge me {$630.00} for?? Dispute 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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I use the Credit Karma app on my iphone because I am trying to rebuild my credit. one of their suggestions/promotions is to apply for a personal loan and they have several to choose from. I saw one and only one that I started filling out the loan app where Credit Karma sent me. At some point, I reconsidered, ( didn't want more credit, want LESS ) so I changed my mind and left the site and got out of the CK app. 
Can't remember what day I did this but it was around XXXX XXXX, 2022. On Sunday, XX/XX/XXXX, I received an email from XXXX XXXX ( Or XXXX XXXX-it 's very odd ) entitled " Credit Decision Notification ''. I was certainly surprised since I had NOT COMPLETED nor SUBMITTED the app. 
I contacted both Credit Karma and XXXX XXXX. I was told by XXXX XXXX that the Referral Source ( ie, Credit Karma ) sent my loan request to potential creditors and they were but one. They deny any responsibility for receiving the app and I agree. Credit Karma has not given me a straight answer to this question and I think it is one that all consumers who use their platform will be interested in knowing the answer : HOW DID MY UNCOMPLETED APPLICATION GET SUBMITTED WHEN I DID NOT DO IT??? 

Credit Karma gave me a case number on Monday after my first email but since then I have gotten nothing but what appear to be form letters. None of them answer me as if they really don't understand my question. 
My case number is XXXX. 

I have screenshots on Credit Karma that show I did not complete my search. If I can attach them here, I will. 

Again, I DID NOT complete the loan app and I did not submit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Please DO NOT allow OCWEN ( now PHH ) to continue their wrongful/improper/illegal foreclosure to struggling homeowners like us who are minority seniors. CFPB ( you ) have sued Ocwen for their unfair practices, widespread errors and yet they continue to do so. They want us to vacate the property ( our primary residence ) in exchange for cash for keys. They sent this offer before XXXX XXXX ( before the holidays ) but we did not take their offer CFPB issued a cease and desist and license revocation order against Ocwen.

They failed to assist homeowners seeking foreclosure alternatives. They want us to be homeless or move out to the streets during the pandemic/omicron surge? It's like pushing us to our death. How cruel and inhuman Ocwen/PHH can be to XXXX senior citizens like us? Our property was foreclosed XX/XX/XXXX and the Trustee sale was awarded and recorded to Ocwen as the Trustee Deed Upon Sale.I wonder if Ocwen at that time is still licensed to do business? Our property 's Grant Deed is to XXXX and XXXX XXXX, husband and wife as joint tenants when we bought it on XX/XX/XXXX. It was refinanced on XX/XX/XXXX under my husband 's name only with All American Finance/Loan Experts but transfer ring interest to XXXX Bank XXXX There was a break and in the chain of assignments. Loan experts is no longer in business and there is no one capable of executing an assignment. It was also mistakenly not recorded as the bank admitted. Where a true XXXX XXXX property between husband and wife exist, the interests of each should be their separate property. When spouses take title in joint tenancy, each spouse holds his or her interest as separate property under California law if the community property presumption is overcome. Regardless of the state of the title, property must be either one or the other. It can not be both. They can only foreclose the 1/2 interest of the debtor ( my husband ) but not my 1/2 interest in the property or maybe their lien is invalid? We need your help to stop OCWEN/PHH from victimizing people like us. 

Our Ocwen/PHH XXXX Property XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2022-01-15 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial has reported late payments on my consumer report for the months of XX/XX/XXXX through XX/XX/XXXX. These payments were never late. This reporting is inaccurate and a violation of XXXX XXXX reporting standards for accuracy and completeness. 

In addition according to 15 USC 1681a 2 ( A ) ( i ) a consumer report does not contain any report containing information solely as to transactions between the consumer and the person making the report. I am aware that I am the consumer and Ally Financial is the person making the report. This reporting is a violation of my consumer 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 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
Medical bill should of been ran through insurance, made multiple attempts to get this resolved so they can rerun through insurance but have not removed me from collections on credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Logged into Comenity Bank 's online profile on XX/XX/XXXX to request payoff of balance on educational loan. System generated the payoff with the good through date. I did not take a photo of the screen when the data loaded because I had already received the email notifications of me adding in my bank account, submitting the payoff payment. The account was fully credited on XX/XX/XXXX with the payoff in full payment. Balance updated to {$0.00}. New finance charges were charged on XX/XX/XXXX which were after the paid in full payment and zero balance and billing statement closed date. It is beyond extremely difficult to get a representative on the phone, much less one that can truly understand and communicate effectively. They do not listen to what you are asking of them. I have recorded conversations of my calls with proof of a representative laughing at me when asked for them to credit their fraudulent charges and transfer me to a Supervisor. This company engages in underhanded and deceptive tactics with consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-15 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: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I purchased XXXX American Express blue bird cards to pay my mortgage the company that contacted me had all the information my house company had and I believed it was my mortgage company and come to find out it was a fraudulent company that had got my companies information. I went and got the cards to pay my mortgage and told me to pay it using the cards so we did. Then the real mortgage company called me and told us they hadnt received our payment. So I called the fake company back with my real mortgage company on the call with us and he listened in asking for information on who they were on a recorded line and they would not give him any answers and hung up and now we are out {$830.00}, {$410.00} on each card because this company scammed us. We called the number on the back of the card gave them the information all over again sent everything they needed in an email and they are giving me the run around hanging up on me when trying to get a case number. I believe the company that pretended to be my mortgage company has connected to the phone numbers on the back of the bluebird cards and are just trying to get people information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are XXXX yrs or older to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: 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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are 7 yrs or older to be removed.

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 2022-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I purchased XXXX money orders from western union in the amount of {$500.00} each totaling {$2500.00} which was slated for XXXX money to purchase a home. I decided not to purchase the home and the XXXX money was refunded. However the place I purchased them, XXXX, stated they do not offer refunds. I contacted my bank, XXXX XXXX, to see if I could re-deposit them into my account and they said no. Both told me to contact western union directly. 

On XX/XX/2021 I put in a request for all XXXX money order refunds : XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

The verbiage stated I would be assessed {$15.00} each due to requesting a refund. I was told by customer service agent in the refunds department it would be XXXX business days before I received the refund by postal mail. 

Its been XXXX business days excluding holidays, and I have not received a refund. I chatted with customer service and they were of no help.

Company response to consumer: Closed with explanation