vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the creditors individually and asked why these inquiries where on my credit report without my authorization they said they would have them removed but I yet to see anything removed 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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THIS COLLECTION AGENCY ISNT REGISTERED IN THE STATE OF NEW JERSEY, THEY HAVE ILLEGALLY OBTAINED MY INFORMATION AND CAUSE SERVE HARDSHIP, I WOULD LIKE THIS REMOVED IMMEDIATELY.

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 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Received a debt collection letter from Credit Management alleging I owed a debt of {$150.00} to XXXX XXXX in XXXX Texas. I have never even been to XXXX Texas. I have been receiving calls looking for someone with a different name, when I tell them they have the wrong number they just hang up on me. 

There are many complaints online about this company creating fraudulent account between XXXX dollars and demanding payment. 

I have excellent credit and pay all of my bills. This company is committing crimes against citizens and should be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: PA

Complaint narrative:
In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the 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 explanation
Consumer complaint received 2022-11-22 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: PA

Complaint narrative:
In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
In 2021 my grandmother passed away leaving me some property one of the properties that she left me had a mortgage on itservice by Mr Cooper. I called them to try and find out the process for getting the property and mortgage resolved was told to send in paperwork which I sent in everything they asked for I'm more than one occasion weeks and months would go by and I would call again and they would say they didn't get the paperwork or the email they got part of the email but didn't get the other part. All of the documents were included in one email each time that way it couldn't be misplaced or any other nonsense. Even after providing proper identification and paperwork they denied acknowledging that I was the successor and interest of the property. They have not served me with any paperwork or notification of any kind that the foreclosure was sale had been set or that the process was. I was in fact assured that the property would not be foreclosed on while we were working on getting the process taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I was traveling around the XXXX and I was using a credit card from XXXX bank which is an online bank based on the App on my XXXX which was great because it was not rejecting my transactions while I was traveling. Then I updated my payment bank option to make sure my payment is going through for min balance which is only {$40.00} but when I came back I found out the app didnt update my account with my new bank account number and payment was rejected and I called XXXX bank and manually updated my bank account and made a full payment {$5000.00} to creak my balance and they waved the fee because of that error but then their system reported me over my limits after I made full payment and After they reported me, all credit bureaus decreased my credit score and I contact XXXX and told them to fix this and contact transunion and file a dispute to get an updated balance which is {$0.00} with my XXXX bank Now XXXX used this credit score drop as an excuse and lowered my credit line from {$5500.00} to {$1000.00} and they are not even going to fix the damaged they made to my credit score but use it against my XXXX account and decreased my credit limit

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 2022-11-22 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2022, The account was paid in full for {$770.00} to the collection agency National Credit XXXX ( NCA ). However, NCA continues to report the status of the account as collection/chargeoff. I contacted NCA to dispute my account was not a collection/chargeoff, and I paid the amount in full and requested it is removed from collection status as a chargeoff. NCA informed me it was their policy not to remove the account from collections/chargeoff status even when paid in full. I disputed the credit report with all three credit reporting agencies, XXXX, XXXX, and XXXX, to no avail. All they did was send a request to NCA to update the report regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Fraudulent card issued by bank of America Fraudulent card issued by XXXX  Online Fraudulent by 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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My household was directly affected by XXXX. I was given a previous forbearance directly after the XXXX breakout in XX/XX/. This lasted a little over 12 months. According to Rocket Mortgage 's site, " Under the CARES Act, you have a right to a forbearance that pauses your payments for up to 12 months. Depending on your circumstances, you may be eligible for additional months of forbearance. '' I have recently been directly affected by XXXX with a family member being severely ill with XXXX. I was given only 2 month forbearance to catch up on my payments, when the site clearly says otherwise. On this day, XXXX XXXX I asked specifically for 2-3 more months of help due to the hardship, missed work, and time spent caring for my daughter. I was denied saying that I had already used the 12 month maximum amount of time. I have been wronged because their site clearly states otherwise. I requested an email of the chat with specific wording and I have not received this documentation. However, I do have the screenshots of the message. Usually a chat message is sent instantly after the chat session ends. Please help me. I feel as though I have been denied assistance and the help from a company that has misled its customers and will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
Obtain loan in XXXX of 2020. Loan amount {$3700.00}. Monthly payments of {$200.00} since XXXX of 2020. Like to pay off loan at lesser amount. Loan is now in excess balance of {$4000.00} at 65 % interest. NetCredit will not discuss early payoff until I pay more into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: WA

Complaint narrative:
XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

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 2022-11-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I cant not after months still not get my credit score! 

This is a violation! 

Its been Going on for months! 

Equifax lies! 

I deserve to be paid {$1000.00} for monetary relief this has occurred for months and no fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We were in the covid forbearance program. when we went to reinstate the loan we were trying to get our payment down and refinance the loan at a lower interest rate. We were successful in that we got our payment lowered by XXXX dollars and the interest rate dropped to XXXX. The papers were sent to us and we had them notarized and mailed back to the company, This was the end of XXXX of this year. We started making payments and then received a call that the maturity date was wrong on the notarized copies. So they were going to send out a new set of papers. Well they sent us the very same papers with the same maturity date. We immediately called and notified them. Their response was to say that there would be a third set of papers mailed out. It is now XXXX and we have yet to receive them. They were called repeatedly every month several times. Their answer was it was going to underwriting or it was being checked into. We have spoken to many many employees a XXXX XXXX, XXXX XXXX, always the same thing. We actually just called them last Friday, everything was ok except that now the program we were originally signed up for was no longer available, so they wanted to raise out interest rate and make us pay thousands out of pocket for the loan to be current. That is financially not an option for us. So Monday We get a call that they are foreclosing, and the guy wants to come out to take pictures. We are not the only XXXX that this is happening to. We want answers and they are criminal in the way they have treated us. We have tried to get this resolved. One person told us on numerous occasions not to make payments till the contract was sent out, now we are being punished for doing what was told. We were not shirking our obligation we have been trying to resolve it for months. This Company is Criminal. They are not working on helping us they are trying to take advantage. There are many like us out there. Please put a stop to their shoddy practice.

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 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I mistakenly withdrew funds ( {$74.00} ) from my XXXX account to my closed Venmo account. When I noticed the mistake, I immediately left an email message for Venmo informing them of this mistake. On XX/XX/XXXX, I contacted Venmo via phone and was informed that a customer service rep is not able to help me with my issue only an account specialist. I was advised that I can only reach an account specialist via email and it would take 7-10 business for someone to reach back out. I was upset as I would have liked someone to allow me to transfer those funds to an active account or card that I had on file via Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was XXXX cents short I my bank account with TRUIST & they charged me an overdraft fee of {$36.00}. I called on XX/XX/22 spoke to XXXX at XXXX then his supervisor, XXXX, they both said they will not waive a fee. TRUIST did this to me before I was {$5.00} short they charged 2 fees. This bank is rip off. Im going to the news on them. I was in the hospital & didnt have access to my account. Also, I had death on family couldnt get to my account from being out of town. I will close this account & get me another account elsewhere & let family, friends, business partners know NOT TO DO BUSINESS AT TRUIST

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 2022-11-22 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: World Omni Financial Corp.
State: NC

Complaint narrative:
I paid my loan off early on XX/XX/2022. On XX/XX/2022 I received a document from the loan company confirming that the XXXX had been released. However, I did not receive my car title in the mail as they said I would, so on XX/XX/2022 I called the loan company to check in. They said the state takes a long time to mail titles, but that everything looked good on their end. After XXXX more months I still had not received the title so I went to the XXXX on XX/XX/2022. The XXXX informed me the electronic XXXX had not been released by the loan company. I called the loan company and spoke to a representative who said there had been an issue with the electronic release and they would correct it. XXXX month later I still had not received the title and so I called the loan company again on XX/XX/2022. The person I spoke to was not able to confirm the electronic release had been processed and said she would call me back the next day. By the end of the following day I had not received a call so I called the loan company again on XX/XX/2022. The person I talked to said the electronic release had been processed. I waited XXXX months but still had not received the title so I went back to the XXXX on XX/XX/2022. The XXXX told me the electronic release had not gone through yet. On XX/XX/2022 I called the loan company again. They said they had called the state on XX/XX/2022 ( a pretty big coincidence that they called the day before I called them after XXXX months of no action ) and that they were working to figure out the electronic release. However, I have lost trust that this company is following through after 8 months of being told that this electronic release had gone through when that was consistently not the case. I need help holding this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
Why do you provide wrong information to consumers by saying carrying a small balance on credit card help score is a myth? Ive tested this theory 3 times in the last 3 months and found youre once again lying to consumers. On XX/XX/XXXX My credit utilization on total card was at 1 %, I paid off the small balance of {$10.00} and brought my utilization to 0 % my score dropped by XXXX points! I tested this again by keeping a small balance, my credit score goes right back up to XXXX points. Today, XX/XX/XXXX my utilization updated to 0 % after I paid off my small balance just for me to see the score dropped of XXXX points. CLEARLY your algorithm negatively impacts peoples scores for having 0 % utilization, why are publicizing on your website that this is a myth?

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