vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX XXXX to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
there are XXXX " late payments '' shown on my credit report for student loans that were in deferment at the time. I have tried to dispute it through XXXX and XXXX but nothing has worked so far. It is affecting my ability to rebuild my score as that is my largest debt and makes it look like my payment history is bad when everything else on my report has been good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the account XXXX XXXX XXXX account # 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 a account without 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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: WA

Complaint narrative:
I started making payments to National Commercial Services in California in XXXX. I informed them in XXXX that I was no longer able to pay but that we should come to an agreement to settle the debt. The total amount I owed them at that time was {$5500.00}. I have made payments since XXXX totaling about {$4000.00}. I informed them that i would like to settle the remainder and was told at that time that i owe them {$4400.00}. That is almost double what the agreement was about and was not giving an explanation as to how that balance came to be and my emails were ignored along with my phone calls. 

I stopped paying them until i received a proper explanation which did not happen and even then I informed them that I am willing to pay {$120.00} to settle what was left of the original amount when i agreed to make monthly payments. They did not respond as i mentioned before and opened a credit report on XX/XX/XXXX. 

I am disputing this report because this was easily taken care of and I DO NOT OWE THEM {$4400.00} which is a total fabrication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I made a dispute with XXXX and Transunion reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I made a dispute with XXXX and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: MD

Complaint narrative:
I purchased a used car from Carvana, which was delivered to me on XX/XX/2022. Per their policy, I had 7 days to test the vehicle before accepting the sale, which I did. Because of the terms of Carvana 's 7-day test drive policy, my credit union ( or any third-party lender ) would not allow me to finance the vehicle directly because I did not have ownership of the vehicle. As a result, I had to accept Carvana 's 7.37 % interest rate on a {$13000.00} loan. This rate does not reflect the market rate for my credit score ( approximately XXXX ) or for the amount of cash I put down on the vehicle ( {$13000.00} ). My intention was to immediately refinance this loan to my credit union, which offered me a rate of 1.9 %. 
However, Carvana delayed the delivery of the title to me until XX/XX/2022, which forced me to make a first payment at the 7.37 % interest rate. In addition, the loan is owned by a company called XXXX, which is responsible for providing me with a 10 to 15 day payoff letter so I can begin the refinancing. However, this company does not provide a means to speak with a representative directly, and using their automated phone system requires the user to accept a charge of {$3.00} to just get the loan balance. It does not allow you to contact anyone directly or take any further action. All of this suggests, that Carvana 's business model is designed to lock users into a high-interest rate loan for a vehicle, without giving them a viable option to use a third-party lender, or to easily refinance that loan to a third-party lender. I am still trying to resolve this issue with Carvana, but my experience is that Carvana 's business model is designed to exploit a consumer 's inertia to proactively take actions to change the terms of the loan, or a consumer 's inability to navigate the complexity of this process to take action to refinance a loan to a better rate. Thanks you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: ID

Complaint narrative:
When the loan was initiated, it included GAP insurance which turned out to be unnecessary. It was cancelled, and the amount of the premium was applied to the loan before the first payment was even due. The payment should have been applied to principal on the loan, but instead the lender ( KIA Finance ) treated it as if I made extra payments. Since the amount did not quite equal 2 full payments, they continually sent me notices of late payment for the remaining portion, even though every month the full amount of the required payment was made timely. I tried calling to get it corrected, but they would not even speak to me " until I brought the account current '' when in fact I was not only current but had made a significant advance principal payment. I then sent them a letter including a full explanation and an amortization schedule, which they ignored and they continued to issue inaccurate monthly statements. I have since sold the vehicle, they were paid off on XX/XX/2022 and they also got a refund for my extended warranty that I cancelled on the sale. They have had over {$2000.00} of my money for nearly 2 months now and have not yet issued a refund. When I called today they indicated that it will still take several more days because they are understaffed. They were not even going to acknowledge that they had my money until I called them out on it. This is the most dishonest lender I have ever worked with. And they do not provide any opportunity as a consumer to have them correct their error because they will not speak to you. I would never take a loan with them even for a 0 % interest rate.

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 2022-06-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Hello, my claim # with NetSpendXXXX My name is XXXX XXXX and I am set on a fixed income with social security I have been using NetSpend which is XXXX XXXX XXXX for my SSI direct deposit and on XX/XX/2022 I received an alert that {$730.00} was taking out of my account from some company called so, I called NetSpend right away, I panic and told NetSpend who took it out and they told me some company called XXXX XXXX at XXXXXXXX XXXX {$730.00} was taking out I did not give no one any authorization to take monies out of my account, I never gave anyone my card # never gave my card information. Netspend told me that they will resend me a new card and put in a dispute this was on XX/XX/2022 they have all the records on my phone calls to them and I called back and found out that they never started the dispute on the XX/XX/2022 I can not believe that they told me this after the person knew that I was panicking and worried about this and told me they will take care of the dispute. Now on XX/XX/2022 is when they again told me that my dispute will start here I go again with trying to get all my {$730.00} back this time they told me to call back on XX/XX/2022 and I told them please help me because I need my medicines and do not have any money for my things that I live with I also, have my bills to pay that are scheduled. I need help for some XXXX to help expedite my claim and get my monies back even when I cried to them that I have no money for gas or food they left me on hold for XXXX minutes and hung up on my and I had to call again and they left me on hold for a long time again this time I asked for a manager because I asked them that they did not take my case on my initial XXXX phone call and make me wait more days and then I called on the XXXX of XX/XX/2022 and they told me they can take ups to 120 days but how when your bank is secured with FDIC and they never explained to me the correct portal call. Why could they not tell me everything when I called them on XXXX XXXX instead they give me the minimum of information like if they are trying to set me up failure??? I need help PLEASE some XXXX call to Netspend and let me know how do I get my money back its going on 25 days. I really can not wait for 120 days. My cell phone number is XXXX and NetSpend is XXXX I need my medicine please. I live on SSI I had to contact someone to help with finding your website. 
XXXX XXXX LAST XXXX OF MY CARD IS 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options.

I thank you in advance for your assistance and response.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -XXXX  XXXX  XXXX XX/XX/2022 XXXX XXXX ) XXXXCapitalOne XX/XX/2022 ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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 explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 1. XXXX XXXX XXXX XXXX, 2. XXXX ... XXXX {$100.00} amt 3. XXXX ... XXXX,,,, {$100.00} amt 4. XXXX XXXX XXXX XXXX .... 
5.XXXX  XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX MY CONSUMER RIGHTS HAVE BEEN VIOLATED. 
15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15USC 1681 SECTION 604A SECTION 2 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 2022-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a store card in good standing ( all previous payments on-time and current ). One day while shopping I was offered a promotional discount to open a AMEX-Macy 's card ( I had a Macy 's XXXX XXXX the promo was for Macy 's AMEX ) . I later discovered when paying my bill that the two cards were not link ( as one payment ). I requested that we combine the 2 cards into 1 payment and verbally I was told they would. Later I started to receive calls stating that I had a balance owed- I communicated that I was told the bills would be combined ( I even received a credit for over-payment ). Macy 's created the confusion " by stating they would combine the payments '' then later saying that they couldn't. While attempting to resolve the confusion I didn't pay the AMEX thinking it had been resolved but the records hadn't been updated/corrected. My account was in good standing... they created and communicated confusion about how the matter could be resolved!

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 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Contacted Mr. Cooper ( Nationstar Mortgage ) in XXXX XXXX about dropping the PMI on my conventional loan. Was told that appraisal would be done and I needed 25 % equity to have the PMI dropped. Was also told that the process should take a couple of weeks to get the appraisal and a couple more weeks to review. Appraisal was conducted on XX/XX/XXXX and submitted on XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX after still not hearing anything about the outcome of my request. I was then told by XXXX of Mr. Cooper that " the report is subject to additional review and approval by Mr. Cooper ''. I asked for an explanation of what that meant, what exactly needed additional review. XXXX repeated that sentence and didn't offer further explanation. I also asked how long the additional review period would be and she gave multiple answers from 2 weeks to 30 days to indefinitely. Mr. Cooper emailed a copy of the valuation report dated XX/XX/XXXX and said that I should have received a copy in the mail, but I have yet to receive it as of XX/XX/XXXX. The balance of my loan is about {$340000.00} and my home appraised for {$570000.00}. There is well over 25 % equity and the PMI should be dropped immediately. I don't have confidence that Mr. Cooper is going to remove the PMI or give me any further explanation on what they are looking into. 

Since my request in XXXX to drop the PMI, my monthly payment has been increase twice by Mr. Cooper. They are referencing that there is a shortfall in my escrow account. I found that they paid the wrong home insurance company out of my escrow account even though they had the correct information. They then needed to correct the issue by issuing the correct payment. They immediately used that instance to recalculate my payment instead of waiting to be reimbursed. They also increased it another time stating other escrow shortfalls but not providing evidence, like the exact new tax bill. In reality my payment should be lower because my new home insurance is {$500.00} less than the previous year. As of XX/XX/XXXX my property taxes have not been increased for XXXX, the new XX/XX/XXXX bill has not been issued. The last payment for taxes was paid on XX/XX/XXXX. I feel that Mr. Cooper is unfairly increasing my payments and putting off my requests to lower it, while also trying to persuade me to refinance, even though that's not in my best interest as interest rates are higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 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