vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
XXXX XXXX called on XX/XX/XXXX at XXXX XXXX  regarding a debt owed to Sunrise Credit for XXXX University. I asked the representative to provide verification of debt and all communication in writing. The individual became aggressive, rude, and began overtalking me. She demanded I tell her if I was going to pay the debt. I asked when was the debt established and she stated XXXX. She then stated several letters had been sent. I asked when and she stated a couple of months ago with no valid date. I then asked for a new letter. Again, aggressively she stated that she needs an answer right now on whether or not I would be paying the balance owed so that she could close out the records. When I began to speak she spoke. I had to ask several times for her to allow me to speak. Finally she said she was going to close out the account although I asked for written correspondence and did not state if valid that I would pay. Due to the aggressive and verbal abusive tactics I chose to end the call.

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 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
My card was stolen and I am unable to get another card through them because there isn't a place for me to show that my car has been stolen from me I was finally able to get into my account and I froze my card but now I just need to cancel it and get another card to replace it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/2021, {$680.00}, Portfolio Recovery Associates is trying to collect a debt that I will not pay. I have never agreed to pay a debt with this debt collector. I have not signed any documents stating that I agree to pay Portfolio Recovery {$680.00} cents. Portfolio Recovery Associate I refuse to pay a debt that you claim I owe your company. You do NOT have my WRITTEN SIGNATURE show that I agree to pay Portfolio Recovery any amount of money. Cease further communication with me. 15 U.S code 1681c ( c ) clearly states the law on communication with the CONSUMER. I have all the documents that Portfolio Recovery has mailed to me that show the incorrect address. I have documents asking me to file out a documents for fraud. These documents are clear violations of the Fair Debt Collection Practices Act. 15 U.S code 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Great American Finance Co
State: IL

Complaint narrative:
Great American Furniture added charges without any explanation when I made payments in advance and on time well in advance of the XXXX prepayment penalty. This is outright fraud and I can provide receipts and screenshots of their Website. They are preying on people and counting that the government wont do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am a Secured Party Creditor, I am the Executor over the trust, I have a NOTARIZED Private Security Agreement filed on record with the United States. A trust is mentioned in the FAQ of Bridgecrest Credit CoXXXX A trust document was sent to them with a Private Registered Setoff and Discharge Bond ( tracking # 's included ) to discharge the debt. A photocopy of the green card sent by certified mail ; the Secretary of the Treasury XXXX XXXX received ; to discharge the debt. A copy of the HJR 192 Bill that was passed XX/XX/1933 ; proof to discharge any debt dollar for dollar. I accepted for value with signature UCC 1-308...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX I was notified through credit Karma that a new inquiry was reported on my XXXX report from CBNA ( Citi Bank ). 
I did not recognize this inquiry and on XXXX I called Citi Bank to see if someone had tried to get a card using my identity. I talked to 3 different representatives and none of them were able to find any information using my name, address, SS #, or phone #. 
I called XXXX to let them know the inquiry is fraudulent. They said that it seemed to be legitimate on their end and that I would have to ask Citi Bank to send a request to remove the inquiry from my report. 
I called Citi Bank once again, they still had no information on me and said that I would have to get a statement from XXXX and fax it to them. 
I called XXXX and explained the situation once again and the representative filed a dispute directly with Citi Bank and also suggested that I report the situation to the FTC because he ( and I ) found it very odd that there is an inquiry yet Citi Bank has no record of my information. He called them uncooperative.

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} XXXX  XXXX bankruptcy discharged Reference number : 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 2021-12-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: GA

Complaint narrative:
I sent in two requests for removal of fraudulent accounts and inquiries on to Transunion and they've been left unanswered or weren't investigated. I called Transunion and spoke with the fraud department a week ago where they assured me the fraudulent inquiries would be removed in 24 hours and they are still there. They've also not furnished any proof on my request to validate a fraudulent account.

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 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
While reviewing my credit card statement, I noticed there was ( 2 ) different interest for credit.

( 1 ) One was interest for charges to my account for purchases and ( 2 ) Another was interest charges for cash advance After reading the policy of my credit card agreement, I come to realize that USAA Savings Bank, USAA Federal savings Bank, the servicer of my USAA credit card, I believe based on my understanding of the agreement is " vague '' and does not explain the double interest charge on my credit card. I called customer representative ( 2 ) times to explain the 2 different interest charges ; one of the reps said I can pay the cash advance amount owed as long as I specify the amount and what it is for. In another call, I explained that I wanted to do just that and was told that I had to pay the entire credit amount for this extra interest rate charge to go away. This is for ( 1 ) one credit card. 
For instance : If I have a total credit limit on my card for {$500.00}. I use {$200.00} of my credit and get a cash advance for {$100.00}, I am being charged the same interest rate on both transactions, example : {$200.00} + 2 % interest and {$100.00} + 2 % interest, when asked if I could just pay off the cash advance amount of {$200.00} which will still be payback on credit owed, I was denied with them telling me in order to get rid of cash advance interest, I have to pay off the total amount owed to my credit used which is {$300.00}. 
This is just an example of how the credit card issuer is practicing unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: SC

Complaint narrative:
XX/XX/XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. XXXX XXXX  is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681XXXX states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted.

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 2021-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I written several letters ( between XXXX XXXX XXXX ) to fed loan XXXX that I would like proof that I owe them money for this so called student loan that I supposedly have. I have requested the original loan ( that I supposedly have with fed loan ) agreement with my signature in black ink. Fed loan has failed in my request to see the original documentation. This has had a negative impact on my credit. I would like this issue resolved as soon as possible. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX of XXXX my checking account first was restricted and then closed i have been with this bank for 3 years... tried to talk with banker over the phone... he just said you can not bank with capital one no more because you possess risk to the bank. The issue started with my work place changed their bank and printed checks too, so one of the checks bounced and then bank just closed my account. I have been trying to get an official response but couldn't till now. I just want to know why the bank didn't close my account when i was pouring money in account and now that i am in bad financial position bank closes my account. I have been trying to contact the bank everyday since but their department is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: ERC
State: MI

Complaint narrative:
A company told us they would give us up to {$500.00} to switch to their company. Then never did and refuse to take it off our credit reporting. 
We never got a letter stating we owed any money from the company or the credit company. We found we had a negative report somewhere on XXXX company and we had to dig for it ourselves to see who it was discrediting us. 
Now we are stuck with to us is a huge bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
To whom it may concern, My mortgage company Nationstar/Mr Cooper failed to honor loan mod contract, illegal servicing and disclosure etc ... All the above. I have reported to NC  and tried to rectify with company but still on going. This has been on going for over a year now est., since beginning of federal pandemic. They forced me into forbearance with foreclosure and credit reporting then sent me an adjusted different loan ( XXXX ) from my original FHA loan mod with penalties/fees, again threatening to foreclose if I didn't agree. they would not let me make my payments on original loan mod and would not service when contacted. Nationstar has had multiple lawsuits for this and other illegal practices as Im sure you know. I will be filing one as well. I am based in NC and they are out of Texas I believe. Can you please recommend attorney or direction concerning this matter? Also please proceed with any action thru the DOJ. I am happy to cooperate in any way. Contact info below. 

Thank you for your time and consideration regarding this matter-sj XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation