vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is refusing to investigate my fraud claim and repeatedly sends me bad faith letters about how they are unable to determine the nature of my request. It has now been 119 days since I first reported the issue to them. They have hundreds of messages that they explicitly refuse to read and hours of recorded calls. They literally hang up on me when I call them because they think I'm their slave and they want me to XXXX XXXX XXXXXXXX when I interact with them. It is absolutely ridiculous and totally inappropriate. They are blatantly NOT trying to " maintain complete and accurate credit information. They are bad faith stalling because they know they are in the wrong and they defaulted on me and their bankruptcy / credit fraud strategy is to attack their creditors and draw this out as long as possible. I am suffering approximately XXXX XXXX dollars per week in damages as a result of the institutional fraud collectively known as XXXX. I am making zero payments denominated in USD to any US banking or Government entity until they cover their illegal short position and return my collateral. This is an existential problem for the US establishment and if it is not resolved it will result in the destruction of the establishment. The guilty parties have commited treason and enslaved american citizens. I'm not going to participate in any transunion processes or jump through any hoops to help them in their bad faith processes. This is now a political problem. Pay me NOW!

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 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This is the third or fourth time they are saying that I didn't purchase a XXXX  insurance although I did that two months ago. On top of that they are trying to sell me their own XXXX  insurance coverage. My repeated complaints and contacts are falling in XXXX  ear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a credit card issued by CITI Bank. Its carries a balance from time to time when the interest rate offered is favorable. As my financial circumstances change, I pay off the balance. A very normal arrangement. The payments on the card have ( nearly ) always been made through the online portal.Specifically, I provided CITI with the account number of a checking account I have at XXXX XXXX  for periodic payments. This week I determined it was appropriate to pay off the balance on a CITI card with proceeds from a HELOC at XXXX  XXXX XXXX. I drew the exact amount from the HELOC to make the payoff to my checking account at XXXX. I then used the CITI online banking application, which uses XXXX, to connect the XXXX account to make the payment. It all seemed very easy and normal. The next day however, I received an email from XXXX XXXX  indicating they declined a payment in the amount I requested drawn from the XXXX  account. I immediately realized the mistake and contacted CITI. Their customer service refused to provide a direct and clear answer regarding whether they would charge a returned check fee. However, the next day it was apparent CITI is charging me a {$29.00} returned check fee. The pecuniary amount isn't the issue. The problem is that I'm 1000 % sure by virtue of the process XXXX  used to connect the accounts of the inputs I made through the CITI portal. I absolutely requested the draw made from the XXXX account, even entering in my XXXX  portal login information to make the connection. CITI 's software and procedures either ( maliciously or carelessly ) misprocessed my request and now blame me for their mistake. The fees generated by this are entirely disingenuous and customer service refuses to directly discuss the issue, instead faming misunderstanding as might occur between people who speak different native languages. It's simply sad and ridiculous behavior to generate additional fee based revenue.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XX/XX/2023 and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe Capital One anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. XXXX said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork with the credit reporting agencies per the FCRA. They have not been attached to my disputes and the disputes have not been done correctly. And I have not been given copies of the verification process. 

This is the account : XXXX Bankruptcy Dismissed

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 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Repeated texts and calls from multiple different numbers claiming to be the Law Office of MBA demanding I pay {$210.00} to settle my debt of {$300.00}. They send the same phone number and link from this short-form phone number : XXXX. The phone number they send : XXXX and the link they send as well : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
EXPLAINED IN PERSON TO BANK MANAGER THAT MANAGER AT THE TIME OF THE TRANSACTION SAID THAT HE AND ASS'T MGR AGREED THAT IT WAS A FRAUDULENT/SCAM AND THAT THEY WOULD HAVE TO CLOSE ALL ACCOUNTS AN GRIND ALL CARDS - - DEBIT AND CREDIT - - AND THAT IS WHAT THE MANAGER DID. HE THEN MADE THE STATEMENT TO US THAT " THEY DIDN'T OWE US ANYTHING AND WE DID NOT OWE THE BANK ANYTHING. LATER WE RECEIVED STATEMENTS FOR THE {$990.00} AND WE HAVE BEEN DUNNED FOR THAT AND ALL THER OTHER CHARGES THEY ADDED EVER SINCE AND THEY HAVE DENIED THAT THE ORIGINAL MANAGERS STATEMENT WAS EVER MADE. THEIR STATEMENTS DO NOT INDICATE ANY PROOF THE WE WERE THE ONES THAT USED THE CREDIT CARD. WE HAVE OFFERED TO PAY THE ORIGIGAL PRINCIPLE AMOUNT BUT THEY REFUSE TO ACCEPT ANYTHING LESS THAN THE ENTIRE AMOUNT OF {$1400.00} WITCH INCLUDES THEIR CHARGES.

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 2023-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I received private student loans originated by Sallie Mae between XXXX and XXXX and later transfer to Navient. From that point, my private student loan balance from {$20000.00} something to {$120000.00} over 19 years. Due to misallocated payments, my balance has been within the range from {$120000.00} to {$130000.00} over 5 years. It is no way of determined how the calculations are done because they only show the balance and no history of the variable interest rate from XXXX to XXXX with the original loans from Sallie Mae before being transfer to Navient.

As of today, I requested documentation showing agreement for payment extended to XXXX. I have been paying on student private loans over 10 years and the balance has been the same. I am being charged interest daily, so I will never be able to pay down balance. In XX/XX/XXXX, I have documentation showing student private loans balance was {$26000.00} something XXXX. In XX/XX/XXXX, my balance is {$120000.00} something. With variable rates, this is the highest it has ever been ranging from XXXX XXXX percent. 

After requested documentation from Navient on the phone, the representative stated, I agreed to the extended payment plan to XXXX. I didn't agree to the extend payment plan to XXXX and I do not have any documentation agreeing to a extended payment plan. I am not on rate reduction plan. I am paying the amount based on the interest of loans. Recently, I paid extra on one of the loans and noticed the balance decreased and increased at the same time. I didn't signed a promissory note agreed to those terms and conditions of the loan. They have created their own terms and conditions. This is fraudulently and I need help with getting assistance with Navient cancelled these loans due to lack of no documentation. 

Currently, I am paying interest and principal of the loans and being charge interest daily for each loan. I am not in grace period, deferment, or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: LA

Complaint narrative:
Unifin keeps calling and messaging me about a debt I do not owe. I just recently turned XXXX ; I don't even have a credit card and have never taken out a loan, not even student loans. They have absolutely no reason to be contacting me. Many other customers have lodged complaints about them and frankly this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.

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 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I have contacted United Wholesale Mortgage and I have had my mortgage Broker also contact them asking that they correct the incorrect information on the pay history of my account. I have also completed a conference call with the lender an the credit bureau. 

United Wholesale Mortgage is reporting I was late XX/XX/XXXX 30 days and this is not correct. I was 30 days late in XX/XX/XXXX and CURRENT XX/XX/XXXX. UWM is also stating I was 30 days late on XX/XX/XXXX which is not accurate. On United own site it does not show I was 30 days late in XX/XX/XXXX which I was not and my account history shows I was not 30 days past due. 

United Wholesale Mortgage is not changing these items to reflect correctly which is resulting in a lower credit score so they can charge a higher rate and fees on the loan that I am currently in process of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 2023-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a letter from Phoenix Financial Services, a bill collection agency, that I was to pay them over {$20000.00} within 30 days or Id be reported to credit agencies. 

This bill was originally from XXXX XXXX XXXX XXXX XXXX ) for an XXXX XXXX  in XXXX ( over three years ago ). I had to be transported from my local hospital to my XXXX  hospital in a city several hours away in an emergency situation that was threatening my newly transplanted organ ( transplant was at destination city ). 

I never received any notice from XXXX over the past three years that I owed them any money this letter from collections is the first Id heard about any outstanding debt. After looking it up, I see that the statute of limitations for trying to collect this sort medical debt is 4 years where I live ( in CA ). ( but again, I never heard a thing from XXXX ) ) I called my insurance company today ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) and they said that XXXX *did* bill them and that XXXX XXXX paid them over {$3000.00} my share was to be {$250.00}. ( they are sending me a hard copy of my EOB ) However, I guess XXXX is *not* in-network. AND YET, they have an exclusive contract for services in my county. 

I guess this is an instance of balance billing which I understand is illegal in most instances in California BUT that ambulance companies can somehow get around this rule. Is this true? 

How to handle this? 

Im waiting for a call back from Legal Aid Foundation in my city ... and...

I called the State of CA insurance consumer hotline and, though very kind, they cant help deal with providers only private insurance companies. He suggested that I speak to a lawyer. 

Can XXXX XXXX XXXX this to me? 

I'm a rule-follower, pay my bills, keep my insurance updated, own my home... but this just seems wrong. Do I have any recourse? 

Thanks for any insights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have had an auto loan with Credit Acceptance sinceXX/XX/2019. I was XXXX at the time and didnt know any better when I got the car. They sold it to me for XXXX, but somehow by the time I signed the contract I owed {$19000.00} and now ( 4 years later ) I still owe roughly {$5000.00}. For about half a year now, I have been trying to get a new vehicle because I now realize I way overpaid for my car. I was told at the dealership, when I bought it, that in a couple years I could refinance my car, only to find out after a couple of years that Credit Acceptance doesnt refinance cars. I have had a hard time getting it refinanced through anybody else ever since. I have also tried selling and trading in my car, but everywhere I turn, I cant even get payoff for my car due to how much I overpaid for it. I am struggling making my payments and I can not get out from under this car. I am not the only person I know in my town that bought a car from these people, only to severely regret it later. I wish I wouldve had someone to guide me when I got this car, but I didnt and now 4 years later, Im still paying the consequences.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I leased a mercedes benz back on XX/XX/2023. The car was deemed a lemon by the dealership 4 days later. The dealership advised me that they will reach out to their corporate HQ for resolution and made my car payments until they had an answer. XXXX XXXX XXXX is an insurance company for mercedes paid off the vehicle today and gave me a refund of my down payment of XXXX. They advised me that Mercedes Financial services also sent them a check of XXXX for the vehicle. Mercedes benz Collection unit has this information in their system however they want me to send them either the payoff of XXXX or XXXX to bring the account up to date. They see in their system that a payoff check was sent by their own company. However they warned me that they will report me negative to the Credit card reporting agency. I asked for a supervisor. However they advised no one was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I requested a best validation and the information I requested was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime set up a new account using a fraudulent application for account with my personal information without my consent or knowledge, current balance XXXX ( XX/XX/2023 ). 

Chime sending Visa Credit card associated with fraudulent account without my consent or knowledge ( XX/XX/2023 ). 

Chime support refused to freeze or delete account that I identified using provided email information, verified email address and phone numbers ( 2 part identification ) ( XX/XX/2023 ). 

Upon sign in and verification at Chime site, Chime will not terminate account attached to " Visa '', " XXXX XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX. ". 

Chime gains access to banking services through " XXXX XXXX XXXX XXXX. '' and/or " XXXX XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation