vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I had XXXX XXXX XXXX  for years and no longer under contractual agreement. Over a year ago I decided to cancel my service ( XXXX # XXXX ) which was difficult to do because they are hard to get ahold of, but I did and paid my final bill which was due for the month after the cancellation. XXXX XXXX XXXX failed to remove one item from service, so I called them to get it fixed but they hung up on me twice! It was only {$13.00} because it was a cellular watch that they didnt remove even after I asked more then once, but now it's XXXX $ And they sent it to debt collection Sunrise collections now after several harassing Phone calls and me explaining to them the situation, it's on my credit report! for a bill I didn't owe!!

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 2022-04-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX NA XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my 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 2022-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
NAVIENT between XX/XX/XXXX and XX/XX/XXXX placed me in forbearance for at least 36 months in violation of Federal rules even when my monthly payment under an IDR plan could have been as low as zero dollars. The Federal government through its Department of Education generally limits forbearance to 12 consecutive months or three years total after which payments should resume.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/22 I put in a request thru the Tesla App ( attached ) to terminate my lease early. The original termination date was XX/XX/22, and due to the fact I purchased another car - needed to terminate early. 

I received a ( attached ) quote from Tesla that was good thru XX/XX/22 to return with {$0.00} owed. I returned the vehicle to Tesla on XX/XX/22 - prior to the XX/XX/22 commitment date. 

Confirmation from Tesla " Thanking '' me for returning my car is also attached as well as screenshot from the Tesla App showing a XX/XX/22 return date. 

On XX/XX/22 I received an email from Tesla ( attached ) that my " Early Lease Termination Request was cancelled '', immediately following this e-mail I received another e-mail from Tesla that " My Payment was processed ''. In addition to the e-mail, Tesla processed a lease payment ( {$600.00} ) against my XXXX checking account ending in XXXX for the term XXXX even though I had returned the car and have documents stating that {$0.00} was due. 

I emailed Tesla XX/XX/22 and have received no reply. I also tried to contact Tesla finance, and there is no option to talk to a representative, only " leave a message and they will call you back '' Based on my terrible experience trying to turn the car back into them ( and their lack of responsiveness in all prior communications to return the car ) - I want to ensure that A ) my {$600.00} is returned as soon as feasible and B ) other consumers are aware that Tesla 's end of lease practices are not consumer friendly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ally financial is reporting my vehicle payment late when i made my payment before the 30 days late, I'm demanding that they fix the reporting to the credit buraus since its false 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 explanation
Consumer complaint received 2022-04-20 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX ( only reported to XXXX ), and XXXX XXXX XXXX XXXX reported to ( XXXX & 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the past few years I have been fighting with these agencies to properly verify these debts of XXXX ( two debts ) and XXXX with this XXXX account on my credit report. I sent a verification of debt to XXXX which they responded ( see attached ) These companies have yet to remove this debt from my account. Nor did they conduct proper investigations on these accounts because XXXX couldn't even validate them. 

I am requesting immediate removal of these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: IN

Complaint narrative:
The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Mortgage Brokers XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters 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 2022-04-20 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: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$9300.00} / XX/XX/XXXX XXXX / {$0.00} / 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 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-20 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: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
FRCA Violation credit line 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

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2022, I could not receive or make any calls on my phone. I called XXXX and they told me that my sim card was changed by somebody. I advised that I had not changed the sim card in my phone. I am not sure if this is related to my sim card issue but ... Also on that day I checked my bank account online and saw that someone had transferred {$18000.00} out of my account without my authorization and it was a pending transaction. I immediately contacted City Bank regarding this and they immediately locked down my account ; they transferred me to the wire transfer department who then transferred me to the fraud department. I then filled out a form and had it notarized and gave it to the fraud department saying I did not authorize this transaction. I called a month later and they said they refused to return the money to my account even though it is still in a pending status. I asked why they refused to return my money and they said the fraud department will call me regarding 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 2022-04-20 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: DE

Complaint narrative:
In accordance with The Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602a States I had the right to privacy.

15 USC 1681 Section 604 A section 2. It also States a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My bank account with Wells Fargo was accessed and funds stolen by a unknown individual/ group. A police report was filed and Wells Fargo was notified as soon as I noticed the issue. 

Wells Fargo has returned roughly {$900.00}, but is refusing to return ~ {$1500.00}. They also allowed additional pending transactions to go through after being notified of the fraud, then charged overdraft fees. Wells Fargo has been grossly negligent in detecting fraud, safe guarding money in my account and handling this fraud in a responsible manner. Suitable solution to this issue will be to cancel all overdraft fees and return the money they were responsible to safe guard.

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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
PLEASE EXPEDITE RE : NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication is forwarded in Requesting your assistance in helping me save my home due to a questionable mortgage. On XX/XX/XXXX Nationstar Mortgage submitted a copy of ORIGINAL NOTE/ORIGINAL MORTGAGE along with the following : Questionable Facts : XXXX MORTGAGE SUBMITTED BY NATIONSTAR 1.Mortgage Settlement Date on Instrument : XXXX XXXX SEE EXHIBIT A 2.Mortgage Settlement for Refinance on Instrument : XXXX SEE EXHIBIT A 3.Denial of Loan Modification based on questionable discriminatory words. 

" WE WILL NOT ACCEPT OBAMA MONEY '' These were indeed the words stated by Nationstar ' attorney on XX/XX/XXXX via his phone entrance. The room went completely SILENT. Nationstar ' attorney would NOT engage in any dialogue regarding the modification of my mortgage. XXXXMy Court ordered modification meeting ended with XXXX XXXX XXXX XXXX XXXX XXXX " We will report you to the Attorney General ''. PROBLEM : My legal Representative reported only the fact that Nationstar REFUSED MODIFICATION and NOT " We will Not Accept Obama Money ''. And Why? SEE EXHIBIT B FACTS : Mortgage Settlement Statement/Evidence : 1.Mortgage Settlement Date : XX/XX/XXXX SEE EXHIBIT C 2.Mortgage Settlement {$130000.00} SEE EXHIBIT C 3.CASH from Settlement {$53000.00} SEE EXHIBIT C XXXX ADDED TO MY MORTGAGE-?????? 
How did this happen? In retrospect, I never received a copy of my mortgage. I would receive a phone call from XXXX Wide Mortgage welcoming and advising me they purchased my mortgage and were having problems getting my paperwork. At that time I requested a copy of my mortgage, however I never received a copy. And the failure of my legal team is unbelievable, but, I will NOT stop fighting. And yes I filed XXXX XXXX twice and ruined my credit for I am seeking XXXX. I am a XXXX American and live with a XXXX  XXXX and placed my Trust in a financial system that has wronged me and too many Americans have lost faith in the American System. Please assist me to FIGHT this WRONG. 
XXXX XXXX XXXX PLEASE EXPEDITE

Company response to consumer: Closed with explanation