vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONRAD CREDIT CORPORATION
State: TX

Complaint narrative:
To whom it may concern, I am contacting you regarding the collection company XXXX XXXX and XXXX XXXX XXXX. I have been disputing my debt with XXXX for some time now, but they have not provided me with debt validation or confirmed whether or not they have purchased the debt from XXXX XXXX. Instead, XXXX ( who is lovely, by the way ) has been reaching out to me to try and get me to settle the debt, which would let me out of my agreement with XXXX XXXX. I can not afford to pay the money they are requesting that I pay, and I can not get an answer from XXXX XXXX as they direct me back to XXXX XXXX. I am tired of going back and forth with them. I disputed my agreement with XXXX XXXX, and when I started complaining, they turned around and sent me to collections, which is not right. I am filing this complaint against both parties as I do not know what else to do. I honestly believe I am being harassed and backed into a corner where I have to pay, or they will hurt me later on down the road. I can not accept this happening now and will not have them keep strong-arming me into paying more to a company I have already sent thousands of dollars to over the years. I need someone to help me. 

Regards, 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 2022-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
I sold my home and paid off the mortgage XX/XX/XXXX. No form was provided to change the address for an escrow refund I didn't know I would receive. They sent a check XX/XX/XXXX in the mail to my paid off home that they knew I sold. By XX/XX/XXXX it was not forwarded, and all attempts to change my address prior to that were unsuccessful, so I called. Address got changed and I asked them to re-issue the check. The rep asked her supervisor if she could put a rush on it and they approved it, so she said I'd receive the check NLT XX/XX/XXXX. I did not receive it, so I called. The same XXXX canceled the rush and the re-issue XX/XX/XXXX. I asked that since it would be into XXXX, well beyond XXXX days since the initial check was mailed and not received, that they again approve to overnight the check- this is not a small check, it's {$1300.00}. They assured me it would be overnighted XX/XX/XXXX. I am on the phone with them because they were supposed to send me a tracking number and I did not receive it. Once again I am being told they mailed the check in regular mail and denied the request.

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 2022-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ME

Complaint narrative:
I got a letter mid XX/XX/XXXX that my town had not received my RealEstate Taxes that were supposedly paid XX/XX/XXXX from my XXXX account at loan care. I contaceted loan care to resolve the issue and sent in supporting documents. They said would be handeled in the next 10 days. I waited XXXX week and checked back in and they said was taken care of. I then called the town office and they still had not heard from Loan Care. I called them back and they said that they called on XX/XX/XXXX and talked to XXXX and she said everything was all set. My town office is closed on XXXX and There is no XXXX that works there. They said that they would lescalate and take care of by the next day as I am facing a Lein on my property. Called the next day and they said another XXXX business days. I told them not acceptable as the Lein will be placed before then and she said there is noting I can do and hung up. I want LoanCare to take care of this issue ASAP!!! This is not acceptable.

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 2022-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Dispute outstanding balance of {$33.00}. I closed a account at HANCOCK WHITNEY years ago. I only had a ATM card and used it at the branch I opened the account at. I understood no charge for using their ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-19 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: UPGRADE, INC.
State: NC

Complaint narrative:
Upgrade Inc violated my right to privacy. Upgrade Inc disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to Upgrade Inc on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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:
In accordance with the fair credit reporting act XXXX XXXX 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX : its also started a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I physically mailed a check for {$5000.00} to my Private Student Loan Provider Firstmark Services. I have done this before and have had no issues. On XX/XX/XXXX, I checked my bank account and see that I have {$10000.00} less in my bank account instead of just {$5000.00} less. I look into it and come to find out that Firstmark cashed my check twice somehow. This can be seen on their payment history as well as on my bank account. On their payment history, the check is cashed twice on XX/XX/XXXX. On my bank account, the check is cashed on XX/XX/XXXX and XX/XX/XXXX. I first call Firstmark Services on XX/XX/XXXX to alert them to the issue. They tell me to send them proof on my bank account that I was double charged, so I do. They immediately fix the issue on their end, so the screenshot of the double charge on my payment history says it is reversed. On XX/XX/XXXX I received an email reply from them basically saying they received my email and they reviewed my account. That being said, as of XX/XX/XXXX I still have yet to be refunded the {$5000.00} that they double charged me for. I have called Firstmark Services a total of 5 times ( a total of XXXX minutes ) since I noticed the mistake : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I call, I am told that it should be fixed in the next few days. Therefore, that is why I have now called them a total of 5 times. They can not seem to explain to me what the hold-up is and when I shall be issued my refund. They can not even tell me the check number that has been issued because they have yet to write a check to refund me. It has now been a month since I've been double charged without a viable explanation of what is going on. I have also been told multiple times that someone will call me back with more information, but that has yet to happen. On XX/XX/XXXX, I reached out to my bank XXXX XXXX XXXX and they said they would also contact Firstmark Services. I have yet to hear what has come from XXXX XXXX XXXX reaching out to Firstmark Services. 

Regarding attachments below : I have attached the email I sent Firstmark Services and their response. I attached the original screenshot I sent Firstmark Services of the same check being charged twice. I have attached a screenshot of my payment history at Firstmark Services showing the double charge and the charge on their end being reversed. I have attached my bank account statements for XXXX and XX/XX/XXXX to show the double charge and lack of a refund. I have also attached a picture of my check receipt and my call history to Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Twenty-Nine years ago I was a stupid kid, did stupid things and got into trouble. 

Disputes : 3 Dispute 1 ) Reporting same case twice. XXXX is reported twice and should not be. 

Dispute 2 ) Reporting same case twice. XXXX is reported twice and should not be. 

Dispute 3 ) These records are 29 years old and are legally not to be reported by both Federal and State law. 

State and Federal Law : Federal : Restricted to 7yrs by CRAs per FRCA and EEOC State of Texas : Texas Business and Commerce Code 20.05 CRAs are restricted to 7yrs per statute.

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 2022-08-19 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: CORELOGIC INC
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This includes XXXX, XXXX AND XXXX. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX, that was dated XX/XX/XXXX to Equifax. 

Here is my tracking XXXX. 

However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XX/XX/2022. {$100.00} unauthorized charge. I immediately called Ally and the hold times were very long. They finally allowed me to cancel and get a new debit card and file a dispute for the charge. It is now XX/XX/XXXX and I have heard nothing and am still missing my {$100.00}. And it looks like many other Ally customers are being charged as well. Where is the statement that they are aware of the issue and doing something?

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 2022-08-19 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:
Experian please reinvestigate these two accounts that you state you verified under U.S.C.1681a ( e ) I request a reinvestigation to how you verified these two accounts 15U.S.C.1681a ( e ) you XXXX have violation on your report, I need an actual copy of your contract with out that I do not believe the account is mine enclosed are some of the U.S.C. code violation you have committed against me Under 15U.S.C.1681a_e ) I request a list if Friends, neighbors, associates who you contacts by law their name contact information, I don't make the laws but you have to follow 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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for my fist credit card between XXXX XXXX with Capital One. The card that I applied for was the SavorOne Rewards for Students with a promotional rate of 0 % APR for the first 15 months and a {$200.00} bonus statement credit on purchases made in 6 months. When I applied for the exact card, it started that more information was needed to complete my application. I uploaded proof of my ID as request. A few days later I received an email stating that my card has been shipped. Now that I've been using my card, I noticed that I've been charged a APR of 26 % or higher for purchases. I've spoke to a few reps. who escalated my call to the highest department stated who was very unhelpful in resolving my matter. I informed her that I never received anything in the mail, email or during my application stating that I wasn't approved for the promotional offer of 0 % APR for 15 months and a {$200.00} statement credit. She informed me that there's nothing she could do and that she couldn't send me anything stating a wasn't approved for what I applied for. They approved me for a credit limit of {$3000.00} but not the promotions. This isn't fair and I need proof. This is false advertisement and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
We, XXXX XXXX XXXX and my husband, XXXX XXXX XXXX XXXX want to complain about our mortgage company , The Money Source, using predatory collection. This is our situation : We just finished paying a {$41000.00} XXXX  XXXX bankruptcy plan. 
During the plan, we fall behind with our mortgage payments. Our mortgage company , The Money Source took our case to court, and the court order that we pay a total of {$13000.00} in arrears. We paid that amount in three installments : {$1100.00} in XX/XX/2020, {$1100.00} in XX/XX/2020. The balance we paid with two checks totaling {$11000.00} on XX/XX/2020. 
After that, the monthly statements we received from The Money Source were very confusing. They always displayed a ( big ) balance still due. I made all the payments by phone, and I would ask the operator how much we really owed, if we still were behind in payments, which we were sure we were not. I was told every time that we were fine. Then we started getting letters saying we were behind and that we were going to get foreclosed. I called their collections department on XX/XX/XXXX, to get clarification. I spoke with a collections - our account is in collections! - representative who explained to me that we owed one month, plus {$920.00} fees in " corporate advances '' incurred for several visits to our home by investigators to make sure we were still living here (!!! ). I explained to her that we, my husband and I, believed we were not behind, because we have been paying faithfully after we paid off the amount in arrears. She said we were behind one monthly payment ( {$2300.00} ) plus the {$920.00} " corporate advances '' fees. Both me and my husband are very upset for getting this warning of foreclosure letters. We paid the amount in arrears, besides having to pay the IRS $ XXXX in back taxes. And this The Money Source company is not helping by sending us predatory letters, using the " foreclosure '' language.

Company response to consumer: Closed with explanation