vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 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: NY

Complaint narrative:
The three credit bureaus XXXX, Equifax, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2022-01-03 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2022-01-03 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have insurance with XXXX, tests were done by my doctor and sent to XXXX XXXXXXXX XXXX  had one letter wrong in my insurance group ID number,, so Insurance denied claim. I called numerous times quest and had my group ID number corrected, requested several times to submit new claim with correct number, but they never gave me new claim number. My insurance company is asking for claim and claim number in order to pay it. now XXXX XXXX in Illinois is telling me they send my bill to collections company and I have to pay only to collection company full amount even though they have contracted rates with XXXX  and XXXX will honor all claims as long as its not 1 year old. Collection company telling me they will report it to credit borough and it will ruin my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: Stern Recovery Services, Inc.
State: SC

Complaint narrative:
Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes .The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. 


In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )

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 2022-01-03 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: MS

Complaint narrative:
I recently disputed the accounts XXXX XXXX and XXXXXXXX XXXX XXXX  with Experian. I disputed these accounts because they were reporting inaccurately. Experian verified these accounts to be accurate and would not remove them. XXXX XXXX has never sent the requested information from my validation letter. XXXX XXXX XXXX never sent me a contract with my signature on it and was asking me to send them information. I, XXXX XXXX, consumer, the original creditor do my validate these accounts or the allege balance. I requested an investigative report for the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  in affidavit form and Experian has not sent requested information. Experian has violated my consumer rights. Experian has violated 1681 ( b ), 1681c ( f ), 1681g ( a ) and 1681e ( a ) of the FCRA.

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 2022-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with SPEEDY CASH XXXX but can not produce a trust or contract. They are a third party debt collector. SPEEDY CASH XXXX has lost their right to do business and collect in the state of Illinois. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have spent the last 1.5 hours trying to open a money market account with Sallie Mae I had an account several years ago. I tried to use the ID I had before and it returned an error that I do not have a current account. I tried to call and get help but no one was able to assist. i spoke with a man first who could not help. he transferred me to a voicemail that said everyone was out on holiday ( This is XX/XX/XXXX ) I called back twice and spoke with XXXX who was very unhelpful and hung up on me. I then spoke to XXXX. She tried to help but did not. 
I have spent TWO hours trying to set up a Savings account and customer care will not assist. 
This is ridiculous! Horrible customer service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hey I sent in two copies of dispute letters and they did not give me feed back on them. By law after 90 days of no response the debt is suppose to be removed. I know the laws and this concerns me. I want feed back.

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 2022-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, On XXXX of XXXX, I received a promotion letter from Citibank where if i deposit XXXX, i'll receive a 300 bonus promotion. I have called several times and each Citibank representative states that i should have received it by now. Last time, i called to complain about this on XXXX XXXX XXXX, i received a customer complaint order # XXXX and I was told it should be resolved before 5 business days. It's passed 5 business days and still i have not heard from Citibank. Please help resolve this issue. Thank you! and Happy XXXX XXXX! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered into a COVID-19 Forbearance plan with SPS to cover XXXX, XXXX, and XXXX, XXXX and a late payment for XXXX, XXXX for an amount totaling {$4400.00}. 

On XX/XX/XXXX, SPS sent a COVID-19 Forbearance agreement with a total amount of XXXX, reflecting a calculation error identified as a two-month late payment in the document. 

On XX/XX/XXXX, I wrote to SPS to inform them of this error and to have it corrected. I received a confirmation of receipt letter from SPS in response, but nothing that addressed the issue. 

On XX/XX/XXXX, SPS sent a letter informing me that my COVID forbearance was ending soon ( XX/XX/XXXX ) and that I needed to resume making mortgage payments. I resumed making on time mortgage payments in XX/XX/XXXX and have continued for XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I completed a COVID-19 Forbearance Deferment form on the SPS website . The SPS deferment agreement was in the amount of {$5900.00}. I did not accept the agreement and again wrote to the XXXX XXXX at SPS on XX/XX/XXXX for help resolving the issue. 
SPS responded in writing On XX/XX/XXXX to state that {$5900.00} reflected mortgage payments from XXXX through XX/XX/XXXX. 

I wrote to the XXXX XXXX at SPS again on XX/XX/XXXX, providing detailed documentation of the error and asking for assistance to resolve the issue. SPS responded on XX/XX/XXXX stating that they had already addressed the issue and referred me to their letter of XX/XX/XXXX. 

I telephoned the XXXX on XX/XX/XXXX and explained the situation again to a live representative. I was told at that time I would have a resolution no later than XX/XX/XXXX. I received no communication from SPS and called the office again on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from the same representative, informing me that my mortgage payments for XXXX, XXXX and XXXX had been applied to the COVID forbearance months, that the now {$1400.00} excess payment was an escrow shortfall adjustment, the COVID 19 Forbearance deferment was not being offered to me, that my account was now being referred for foreclosure and that my only choice was to pursue loss mitigation. My last two escrow statements do not reflect a shortfall. 

I have tried for months to resolve this with SPS. Instead of acknowledging the original calculation error, they have persistently tried to attribute it to different and factually inaccurate sources. It can be verified that I made the mortgage payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. It can be verified that I did not have an " escrow shortfall '' in the amount of {$1400.00}. I can not ascertain whether my experience with SPS is a result of incompetence or criminal malevolence. I would like the matter resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2022-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: FL

Complaint narrative:
Before XXXX ( around XXXX ) my employer switched Payroll company from XXXX  to ADP. 
Accrued funds ( up to the moment of transition ) were transferred accurately on XXXX BUT just the employee contributions for XXXX and XXXX ( and not XXXX ) were allocated to my 401k account. 
I wrote to the plan administrator ( in my company ) and he asked me for more time as he knew the transition had not been fully reconciled. 
Time passed and the rest of the contributions from XXXX on ( both employer and mine ) were posting with no issues. 
In XXXX I decided to leave the company and contacted my plan admin again to have the account reconciled as I was leaving in XXXX. He told me it has been fully reconciled and I explained to him there were still differences, missing contributions. He asked me to contact ADP. I tried, they refused to talk to me and asked me to do it through the plan admin. Finally I was able to put us all three together in the same call. In which they realized it was not only me but almost all the employees were missing contributions allocated ( about XXXX USD ) so they started the investigation and fix. 
To make the story short, in XXXX, after NEVER replied to my emails asking for updates on the fix, they credited the missing employer matching contributions for XXXX and XXXX, but still the never posted the missing contributions ( employer / empoyee ) for XXXX. 
In early XXXX, after left the company in XXXX, I was able to be transferred to a supervisor who listen to my complaints and was able to contact the person who was supposed to fix this mess, he asked me for patience and I told him about my decission to file a complain with you if they dont have this addressed before year end. 
Still, XXXX contributions are missing for almost all employers @ XXXX XXXX. In my case is XXXX USD, but for around 60 people in the company, some of them putting higher amounts towards their retirement is considerable. For not to mention the possible dividends they may have lost in 6 months according to their investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Refinance with Flagstar Bank local loan officer XXXX XXXX, XXXX. 
In XX/XX/XXXX, I submitted paperwork for biweekly mortgage payments with Flagstar and was approved. 
I called to check that biweekly indeed was starting and told 'all was well, ' Flagstar continued to take out both monthly full payments and biweekly payments thru XX/XX/XXXX. In XXXX they ceased biweekly, deducted monthly and never contacted me. In XXXX I noticed something amiss and when I asked they simply resubmitted biweekly payment requests. After unraveling the mistake I asked that the extra payments be applied towards principle in the months corresponding such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Although they did eventually apply money to principle I have no actual accounting proof of how it was applied. I only see 'reversed ' on the online bank statements. I have reached out multiple times to my local loan officer and have had one missed call in late XXXX from Flagstar ( before reversal. ) I have no private correspondence within the secure online account and no one will give me the name of a higher level supervisor within the accounting department. 
I simply want the interest deduction that would have been due to me had those extra payments been applied to principle when they were deducted in the early months of the year 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