vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent numerous messages and attmpted to call TRANSUNION to have htem investigate a PAID deorgatory medical bill on my report. they hang up on you and never reply to the comaint on the website. 
XXXX rectified the issue in a few hours XXXX has a unpaid bill on my report that has been paid for in full! 

transunion has a out of the county customer service dept that hangs up on toy when they dont understand the question

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting addresses on my consumer report and I did not give them permission to do so, also they did not give me the three disclosures about nonpublic personal information.

They are in violation of 15 U.S. Code 1681b ( a ) ( 2 ) They are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) and ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This concerns an Apple Card issued by Goldman Sachs. I paid my account in full 31 days early with a debit from my bank account for {$2900.00} on XX/XX/XXXX. The money flowed out of my account that same day. As of XX/XX/XXXX, my available credit has not updated to reflect that payment. 

The card T & Cs have a nebulous " Credit Availability '' clause that is decidedly consumer unfriendly : " After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX, online at XXXX XXXXr by contacting us. '' Over XXXX people have complained about the same issue at Apple 's own discussion forums page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX XXXX, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXXXXXX XXXX, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the months of payments made towards the original balance of {$14000.00} The sale of the vehicle at {$8000.00} plus the amount in collections of {$9000.00} would be over {$17000.00} paid on a {$14000.00} original balance.

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 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT

Complaint narrative:
In XXXX XXXX XXXX I was offered a forbearance plan by my loan service company, XXXX XXXX XXXX XXXX  I accepted the assistance with the understanding that at the end of the forbearance period, which was left open due to the Covid-19 Pandemic, I would simply be able to resume payments and that all payments that were skipped would simply be moved to the end of the loan contract. 

Soon after, only a few months, my loan servicing was taken over by Rushmore, the company mentioned above. This company allowed me to extend the forbearance until I requested by phone in XXXX of XXXX to allow me to resume payments. This request was refused and I was told that I would have to submit financial documentation in order to resume payments. 

I complied and finally on XX/XX/XXXX, received a letter from them denying my request to resume. This letter, dated XX/XX/XXXX, states that I have 14 days from that date to list my home for short sale in order to avoid forclosure. By phone, Rushmore 's customer service representative stated that my only alternative would be to make up all of the payments that this Forbearance plan allowed me to skip and then I could resume payments. This appears to me to be some sort of predatory lending scheme in order to take my home from me. 
My home is worth nearly double what is owed on it and I do not want to sell.

I have attached copies of Rushmore 's Determination Letter, My appeal to Rushmore, and my request for all documentation from the original loan up to this denial letter. I want them to send me copies of every document in their file on my loan including the original loan papers from the original lender, all loan transfers and everything that contains my signature or initials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with NFCU that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. NFCU is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, NFCU is continuing to allow the financial abuse to continue. NFCU should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Hello when I was XXXX I went to trade school and took out 2 Federal Loans through Navient in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX XXXX Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Original creditor is XXXX XXXX XXXXXXXX XXXX. Opened on XX/XX/2019. In collections with XXXX XXXX XXXX. The amount is {$1200.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use.

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 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
with the announcement of potential student loan forgiveness, i decided to request a refund like many others to have my balance re-instated so i could then apply for forgiveness. I originally called on XX/XX/XXXX and put in the request for a refund of {$10000.00} and even provided new banking infor for direct deposit since the payments that were made during the forebarence were from an old checking account. 

Absolute silence and no updates provided so i decided to call back XX/XX/XXXX and spoke with an XXXX XXXX at XXXXXXXX XXXX and there was no record of my refund request and had to submit a new one... i then called back at XXXX that same day since i had forgotten to provide my updated banking info. 

it's now been 3 weeks since the second request and almost XXXX since the original which there is no record of ... and absolutely XXXX update to my balance.. i am now getting worried with the higher volume of requests being made and the application for forgiveness being released this month. 

i've tried calling numerous times for an update and it is literally impossible to get through on the phone aidvantage should not be allowed to operate as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I sent a dispute to Barclays to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.

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 2022-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm member of rentreporters.com who report my rent being paid each and ever month to all credit bureaus. Experian, XXXX and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my race, color, age, sex, martial status. To qualify for home loans.

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 2022-10-06 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: IL

Complaint narrative:
I sent a letter out on XXXX XXXX XXXX XXXX  to XXXX, Transunion and XXXX. Here are my tracking numbers ; XXXX : XXXX Transunion : XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter out on XX/XX/XXXXXXXX XXXX XXXX XXXX to Experian, XXXX and XXXX. Here are my tracking numbers ; Experian : XXXX XXXX XXXX XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I booked a hotel for a conference in XXXX Washington on XX/XX/XXXX for {$690.00} via American Express travel website. The hotel is over XXXX XXXX miles from my home. My reservation was for XXXX. I did not arrive at the hotel until Friday, XX/XX/XXXX. When I arrived at the hotel I witnessed that the hotel was not in any way the same shape that it was represented on the website. The hotel was in a very bad side of town, it There were roaches at check in, I brought this to the attention of the young lady that was at the front desk. I got my room key to head to my room. I took the elevator to my room and there were roaches in the elevator, as i went to my room there was a male and a female in the hall right by my room yelling, cursing and fighting. The hallway smelled like extreme XXXX. I entered my room and the room had stains in the carpet and on the sofa. The male and female were still in the hallways yelling and fighting. I immediately called American Express and told them that I booked this hotel based on their website. I did not feel safe for my life and the hotel was not clean or sanitized. I explained that I was leaving and I needed to find somewhere else to stay. I left immediately and found a different hotel. I stood outside and I explained to the representative that I was misled based on the pictures on the website. There is no way that I could have known that this was not a safe area being as though I lived over XXXX miles away. I explained that I was disputing this charge and I needed this to be escalated to receive a full refund. I was told I would get an email and American express would contact the hotel for a refund. Since I have spoken to 3 managers and received two emails from American Express, they were working on it and I still have not been refunded. I provided my flight and XXXX  information as proof that I did not stay at this hotel and I should be refunded. Access trip id : XXXX and reference # XXXX. My final call was on XX/XX/22, I spoke to a manager XXXX. She told me to send my flight and XXXX documents and she would have escalated to receive a full refund. I haven't heard anything since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2022-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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