vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ; Account #  XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # 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 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NV

Complaint narrative:
I submitted disputes and an FTC report for a fraudulent hard inquiry. 

XXXX  - XXXX XX/XX/2021 Experian - XXXX XXXXXX/XX/2021

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 2021-08-31 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:
I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXXXXXX XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NV

Complaint narrative:
I submitted disputes and an FTC report for a fraudulent hard inquiry. 

Transunion - XXXX XX/XX/2021 XXXX - XXXX XXXXXX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect, Inc. has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
I need these accounts removed from my credit report as they are affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS refuses to abide by any rules and regulations listed under FCRA or FDCPA. In the previous complaint they stated Our client, XXXX XXXX XXXX/XXXX  XXXX XXXX, is a provider of XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, FL. Which means that you are attempting to collect money on an account that you bought from someone else. This account does not belong to you and there for I am not legally obligated to pay ARS anything. Proof of debt owed, does not mean ARS has the right to collect on a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: The Outsource Group, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I received a statement which indicated that both accounts are settled and XXXX $ I found a record on credit bureaus that negatively impacts me. Settling with the creditor who filed it against me was not successful. 

As of today, on XX/XX/XXXX I called at the number in the statement XXXX and spoke with XXXX XXXX who was unable to locate my information. She was unable to locate my profile. She suggested to submit all paperwork I have to locate my information and proceed from there. 

I called XXXX to ask about the negative record removal but they claimed they can not and would not do removal and suggested to file complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This item CAPITAL ONE BANK USA N is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my authorization or a permissible purpose, act 15 USC 1666 ( b ) - the truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint ( Lender ) bought my loan from Ditech and somehow my insurance information was not forwarded to them. I called Shellpoint early in XXXX to see what I needed to do to remove the forced placed insurance from the account. They told me I needed to contact my insurance company. I reached out to XXXX XXXX and they faxed the policy over to them. As you can imagine XXXX was extremely stressful for me, there was looting within a mile radius of where I live, I have XXXX children, XXXX was in high school and the other XXXX are XXXX  siblings ages XXXX & XXXX. I work a full-time schedule and was XXXX XXXX part-time too. Needless to say, I had my hands full. By the time I realized I was still being charged for forced placed insurance, it might have been late XXXX or early XXXX. I must have spoken to over 10 different people before fully understanding what information was needed. I was bounced around between Shellpoint 's Customer Service, Shellpoint 's Insurance Department and XXXX XXXX a third party Insurance Company. My condo association forwarded me the insurance certificate in XX/XX/XXXX and I uploaded it to their website. Then I had to wait for XXXX XXXX to notify Shellpoint so that they can credit the account. 

They are not clear on the charges they place on the account. Their accounting methods are very scary to me. They randomly add fees ( property inspection ), they place multiple charges and credits to cause confusion ( see Transactions on XX/XX/XXXX ). They are offering me loan modification, which I do not need! I have the money, I have not made any payments since XX/XX/XXXX because I do not know where the money will be applied. There is a balance of {$1100.00} for unapplied partial payment, this should be credited to the account. 

PROBLEM They are charging me : {$1500.00} for forced placed hazard insurance from XX/XX/XXXX XX/XX/XXXX {$310.00} for forced placed hazard insurance charged on XX/XX/XXXX due XX/XX/XXXX {$130.00} for property inspection fees from XX/XX/XXXX XXXX {$45.00} PMI disbursement charged XX/XX/XXXX due XX/XX/XXXX but was already charged XX/XX/XXXX {$480.00} late charges from XX/XX/XXXX to XX/XX/XXXX - {$550.00} insurance refund applied XX/XX/XXXX - {$660.00} insurance refund applied XX/XX/XXXX {$1200.00} refund is still due on the account ; please refund this amount ASAP in order to get the account up to date Plus {$1100.00} Unapplied Partial Payment that needs to be credited to the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, have received post correspondence from Great Lakes regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
I was working with Penny Mac to refinance my current mortgage that currently sits with Penny Mac on XX/XX/2020. I called Penny Mac on XX/XX/XXXX or XXXX to see where I was in the process and they said they were still underwritting the loan before I could close. I told them I was going out of town on XX/XX/XXXX. They said we likely wouldn't be able to close before then. I asked if it would be okay to close when I get back on XX/XX/XXXX and they said that would be no problem. I asked if the lock on the mortgage rate would expire and they said that wouldn't be an issue. I got a voicemail on the XXXX while I was traveling saying that the rate was going to expire and we needed to schedule closing. I was traveling so I wasn't able to call them back till I was back on the XXXX. Since then, I've left them voicemails and emailed them and haven't heard back at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I financed a XXXX XXXX XXXX through Hyundai Motor Finance in XX/XX/XXXX. The total amount financed was {$11000.00} USD. My first payment was due on XX/XX/XXXX. The minimum payment is {$190.00}. Hyundai Motor Finance refused to apply my {$150.00} in overpayments to the principal balance. After repeated attempts beginning XX/XX/XXXX, of calling Hyundai to resolve the payment application, I recognized Hyundai Motor Finances unwillingness to help and decided to refinance with another lender. 

On XX/XX/XXXX, I attained a ten-day payoff quote to close the loan I have with Hyundai Motor Finance. The amount of the quote is {$10000.00}. A check arrived on XX/XX/XXXX, for the exact payoff amount of the payoff quote at the address stated on the letter. Hyundai then inexplicitly changed the terms of my loan from 60 months to 61 months and appears to have lost my payments somewhere in their system. After I paid the payoff quote and all my monthly payments and additional payments, Hyundai Motor Finance is claiming I still owe {$160.00}. I made repeated calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. Hyundai Motor Finance continues to ignore the clear and obvious evidence and refuses to acknowledge the error in their system. Each time I call, I get advised to call back in 5-7 business days, even though it has been twelve days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MD

Complaint narrative:
I submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

XXXX - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} Transunion - XXXX XXXX XXXX {$690.00} XXXX XXXX {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
They keep calling from different numbers everyday all day long. Ive talked to one guy and told him to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I continue to have issues with Alliant Credit Union that are unique to other creditors. I have an auto loan with them that is on auto deduction each month out of my checking account. My payments have been made on time each month because they are auto deducted. Recently I began receiving emails and call from them saying my payment was past due. I checked my only bank records and the payment has been paid on time each month. When I called Alliant they told me I'm {$110.00} past due because they added auto insurance to my payment which raised my payment higher than the {$300.00} per month so the payment I made was shown as short and not applied correctly. I have auto insurance and have had with XXXX for many years. The policy has never had a gap. Alliant never made me aware of the need for me to provide my updated policy. They added insurance ( even though I have always had coverage ) without my permission and added unauthorized charges to my account. They ask me to call a number and provide proof of insurance when I called them today so I called and gave them proof of coverage with no gaps. I called XXXX today and confirmed that I have had coverage with NO GAPS for several years. I'm attaching proof of coverage

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Caine and XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX Delivered Via Regular Mail and Email : XXXX Account # XXXX Caine and XXXX, Has made 2 claims for monies not owed to XXXX XXXX. In each instance my request for verification of the amounts owed and written agreement between XXXX XXXX and Caine and XXXX  has gone unaddressed. These actions have had adverse impact to my credit score three times. 

The dispute was delivered via email and mail for communications delivered, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Enclosed are Copies of each communication ) As of XX/XX/, I have another communication from your office regarding and event and cost I am not aware of instructing XXXX XXXX to perform on my behalf. I have removed XXXX XXXX as the Agent with XXXX XXXX ( Please do the research ). The amount of XXXX with the XXXX XXXX Account Number XXXX and C & W Account Number XXXX is simply a matter of C & W being XXXX for being handled regarding the abovementioned.

Company response to consumer: Closed with explanation