vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I decided to rent an apartment for my upcoming university years from XXXX to XXXX. I saw this apartment listed on XXXX with the rent per month is {$900.00}. I emailed the landlord, he provided me the contacts information so we can be in contact ( the email : XXXX with his phone number : XXXX ). In his first email he said he has stage XXXX XXXX so we can't call him, only contact through emailing and texting. In that very first email also, he said his wife passed away, this is his and his wife 's house so he needs someone is responsible that can take care his house for him because he is now living in XXXX  so he can be able to live with his family, money is not a problem right now to him. We felt genuinely bad for him so we agreed that i have to pay 2 months which is the first month and the last month ( {$1800.00} ) and a {$1000.00} security deposit. I transacted him {$2800.00} with {$2000.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ( He emailed me and texted me everyday, rushed me to send him the money. After that, we already signed on a lease agreement. Later, he emailed me that his lawyer found someone to pay 8 months of rent and asked if we pay them 4 more months rent, they will keep the apartment for us, he emailed me everyday saying things like please, I want you to be my tenant or we already came this far, paying the last time and we will be done. I was stupid and did not see his bad intention in which I sent him 4 more months rent on XX/XX/XXXX ( the total {$3600.00} ). He said he will send me the keys and documents for the apartment. It never happened, the assumed landlord put the package in USPS on-hold and demanded 2 more months of rent to be able to send us the keys and documents, and we did not agree. I sent him several emaiIs and texts about our decision and asked him to send us all our money back, he only emailed us back after several days after many emails I've sent, he begged us to send more money so we can finish and receive the keys with documents ( different than when we have to send him the money, he emailed us every single day ). I sent him many other emails for him to transact our {$6400.00} in total, he did not send any emails back. I texted him many times through phone number, he ignored it. I called him several times and each time, he declined my call and later that day, I found out that he blocked my phone number and everything. I believed he used this phone number for scamming since the one he used to register for the XXXX account for this email ( XXXX ) is a completely different phone number that ends with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, TransUnion, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XX/XX/XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.

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 2021-09-27 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: SC

Complaint narrative:
US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, XXXX, and Equifax for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since 2017. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: SC

Complaint narrative:
US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus Exerpian, XXXX, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.

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 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from Barclays Bank. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit. 
One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.

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 2021-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The XXXX that I received through XXXX is XXXX for TransUnion ( and higher for XXXX and XXXX ). However, XXXX XXXX XXXX XXXX informed me that the one hard pull of my TransUnion credit score gave me a score of XXXX. I froze my TransUnion credit report following identity theft incidents and I have not been notified of any activity on my report other than the XXXX XXXX XXXX 's hard pull which happened once after I temporarily lifted the freeze today. My credit report does not show any negative marks, I have had no delinquent accounts and I have had no major event that would have required a hard pull on my credit before today. Why is there a huge discrepancy between the two scores I have received? 
Also, I updated my information with TransUnion ( and the other 3 credit bureaus ) multiple times, however, TransUnion still does not have my most recent employer listed and they continue to list my husband 's number on my credit report. I am also concerned that TransUnion has my maiden name listed in my file still ( this is the information that I also see with XXXX despite my updates ) and my married name listed on its website.

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 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Ive been in forbearance, I called the mortgage company to start payments XXXX XXXX.I finally got a job after this XXXX they said they were deferring my forbearance payments and start payments again on XXXX XXXX.they said someone would come to my house to sign paper.I agreed it gave me a extra month to start payments back up. nobodys contacted me this was on XX/XX/2021 .so I called back on XX/XX/XXXX, lady said they couldnt find anyone to come to my home to sign papers .then she said would have to have my ex-husband who Ive been divorced almost 4 years he is no longer on the deed I got the house in the in the divorce.Hes an XXXX man I have no idea where hes at so then she began to tell me then I could not do the deferred payments and then I would have to have {$13000.00} by next month or I would go into foreclosure.they did not state this on XX/XX/XXXX, I sent over court papers from the divorce and deed signed off .I want to keep my house, and agreed to start payments on XXXX .she told me today there was no way around this find the ex or lose house .rocket mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TN

Complaint narrative:
There were several unauthorized inquires on my Transunion credit report which I did not authorize or give the contest to. Therefore, I would like these fraudulent inquires to be removed immediately. It is causing harm to my overall credit profile. The following inquiries need to be removed : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my 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 explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I receive multiple phone calls every single day that are robo / recorded messages and I am unable to tell them to stop calling me or remove me from their list. I have already attempted to place myself on a no call list, but if I am on it I am not being respected. These calls often spoof area codes similar to mine even though I do not live in that area code anymore, so I know they're fake. Another one that is common is " Credence '' with an XXXX, Tx area code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
i XXXX XXXX i was a Victim of Identity Theft i am having a problem with XXXX With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} i contacted XXXX and Made A Dispute for this Account and XXXX Denied the Dispute and the Information was not remove from my Credit Report and i Contacted XXXX Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My XXXX Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why XXXX Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.

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 2021-09-27 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
on XX/XX/2021 I received a letter by myloancare.com from XX/XX/2021 stating that my loan was removed my from Forbearance per my request. 
I NEVER MADE A REQUEST TO REMOVE MY LOAN FROM FORBEARANCE!!!!!!!!! 
As a matter of fact I had a phone call with their Loss Mitigation Department on XX/XX/2021 at XXXX XXXX. I was assured that I still have several month left on my Forbearance and my next Payment would be due on XX/XX/2021. 
I called them again today and asked to put my Loan back on Forbearance and that I will begin making Payments, as per their confirmation from XX/XX/2021. Unfortunately their Customer Service did not even try to help me. Like always, they forwarded my call to their Loss Mitigation Team, which I suspect doesn't even exist. I tried to call them at least 20 times under several numbers provided by myloancare, and nobody EVER answered the phone. I requested call backs with the customer service, never received one. I also sent several emails. All they do is provide pre written answers, that my email will be forwarded to their team of " Specialists '', and then you will hear never from them again. 
I do not know, who could have make a request to remove my XXXXoan from Forbearance, but I am thinking about handing this Incident over to my Lawyer for further Investigation and also file this complaint with you. There seems to be some fraudulent actions going on, and I want to get to the bottom of 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 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM FINANCIAL has repeatedly contacted the consumer, regarding Account Number : XXXX, I do not owe this debt, All Debt and Obligations that are assumed to be the Consumers or Natural Person are in fact debts or obligations of the United States Government According to 31 U.S. Code 3123. Payment of obligations and interest on the public debt XXXX : XXXX is the original creditor on account no. XXXX pursuant to 15 U.S. Code 1692a Definitions, such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

the Consumer, natural person and original creditor am invoking my specified remedy as the creditor pursuant to 15 U.S. Code 1692c ( c ) ( 2 ). the consumer demand that GM FINANCIAL cease all debt collection activities Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication : If a consumer notifies a debt collector in wri`ting that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I reached out to Credit Corp Solutions on XX/XX/XXXX after receiving correspondence via mail asking them not to contact me in any way regarding a debt that want mine. I explained and sent a copy of what I sent to the original creditor regarding the debt as well as a letter from the creditor stating theyre removing it. They keep calling called today XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX also explained to them I sent the original creditor a copy of my lease and a utility bill showing that the account was opened at an address doesnt match the address I currently reside at and also was residing at at the time The about was opened which also resulted in it being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I had a checking account opened in my name at the huntington national bank in XXXX ohio. i have never been to ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XXXX of this year, we drove 2.5 hrs each way from XXXX TN. to give papers to XXXX KY Chase bank for our veteran owned small business. We were changing the business structure from a LLC to a sole proprietor. We submitted drivers license, paperwork, etc. 

In XXXX we discover the papers weren't submitted & they are closing our account EVEN after resubmitting due to their technical problems with their verification system. We had to call Chase customer support, because we weren't even told by the XXXX branch of the problem. We have worked hard to try and fix this situation since our insurance, employee pay, etc. are all tied to this account. We even tried to call over 50 times to the Chase XXXX XXXX XXXX ( with most calls not being answered ) to get help and in a span of over two weeks, they still can't get the system to verify our information, so they have locked the account ( causing us to incur penalties and use our personal account for taxes, insurance, payroll, etc. ) and told us today ( XXXX XXXX ) that they didn't think they could fix it in time and that we should just drive back up to XXXX to start a new account. 

Our account has been locked down for over 2 weeks, automated payments failed, and Chase customer service has failed us as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND 1 ACCOUNT THAT DOES NOT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Helbing Law Group
State: FL

Complaint narrative:
Helbing Law Group failed to provide a full refund as they said in the previous complaint XXXX.

Company response to consumer: Closed with monetary relief