vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Hello, I wanted to contact you because I believe I have been a victim of fraud, not sure. I was in an emergency and was applying for a funds through a third party network. In the midst of needing help- I think I may have fallen for a scam. The person gave me the following information Freedom Financial Asset Management , LLC, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX loan officer. He told me they needed to up my credit score XXXX points so to purchase a gift card with fund they deposited. I did so- thinking it was part of process. I didn't initiate any reversal for the payments I see on my card at the moment. I asked for a copy of the agreement and nothing has been sent. Id like to report this and if I need to do anything? I do not want to end up in legal issues- I didn't authorize reversals for the charges im seeing being reversed. I asked for the copy of the agreement and waiting on it. will send as soon as I get it. Im not sure who to contact in case this ends up being fraudulent, thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld system placed a collection on my credit report in XXXX off XXXX from a collection that supposedly took place on XXXX XXXX. I have never been informed of this account. It also has a natural disaster remark on it and I have never been affected by a disaster. I have tried calling the company several times with no answers or response just their voicemail. They will not return my calls. I do not see how they can just add something to my credit from three years ago without any notice to me that a bill was owed or for me to verify that it is even my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Every day sometimes twice a day..Randolph Brooks Federal Credit Union..is leaving voice mails to call them back..I have blocked them on my phone but they still get through and leave a message..they are harassing me..Please get.them to stop or I will have to change my phone number..Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX / XXXX/ {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX  / XXXX / {$0.00}

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 2022-03-30 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: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  XXXX Bankruptcy / XXXX / {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I asked them to show me the payment history, payoff disclosure, interest rate disclosure, credit insurance, balance history, and the original contract I haven't gotten it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.

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 2022-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXX XXXX  and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX  but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX  is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXXXXXX XXXX and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..

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 2022-03-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX  XXXX act # XXXX -has violated my rights 15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1.XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX XXXX act # XXXX -has violated my rights 15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Contacted American Express at XXXX. 

Reprenestive stated that the card was no longer valid and the funds have been turned over to the state and were told to check there was nothing they can do. 

Here 's the deal, it is a gift card where did they send the funds since there is no information given as to the address when purchased? 

I checked my state, nothing, and no way to check a gift card for unclaimed funds if there is no name or address. 

There is nothing on the card itself that explains that you have to use the card right away or that they will discharge the funds even though the card has an expiration date of XX/XX/24. 

THIS IS A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Fraudulent activity on my Experian consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage paid {$3200.00} for my XXXX property tax on XX/XX/XXXX, which including {$100.00} interest and {$5.00} penalty because of late payment. I've sent a secure message to UWM to request a refund, but they just replied " According to our records, their is no refund at this time. '' I've also made a phone call and they said it the title company 's responsibility to advise them to make a payment. United Wholesale Mortgage start servicing my loan on XX/XX/XXXX and the property tax due date is XX/XX/XXXX, so they should have enough time to make the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian received copy of 1099-C issued by XXXX XXXX  which in fact legally canceled the debt on XXXX, no balance is legally owed. 

Per my dispute on XXXX with Experian including uploaded 1099-C, Experian updated the account to the ACCURATE balance of {$0.00}. Then on or about XXXX Experian reinserted a balance of {$22000.00}. This is a FCRA VILOLATION I already filed a complaint with CFPB complaint number XXXX on XXXX however, Experian has not corrected there error nor provided a response. I did see that Experian noted my credit report on XXXX that their reinvestigation was complete and that the information of {$22000.00} balance was accurate. Experian has been provided with legal proof that the accurate balance is {$0.00} on XXXX account yet continues to ignore this factual information and will not block the account from updating a balance. There was no need for a reinvestigation as Experian already had legal proof of no debt owed to XXXX XXXX. 

I have copies of my Experian reports from XXXX thru XXXX that show {$0.00} balance and then on XXXX showing a reinserted balance of {$22000.00}. Again this is a FCRA Violation, I will give all this factual information to an attorney if Experian does not correct there error.

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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
While I was out of town my residence was burglarized. My bank and credit cards were taken as well as monies and other valuables. When I contacted the banks and credit card companies I learned of unauthorized transactions. I filed appropriate claims with the banks and credit card companies and filed a complaint wit the XXXX Police Department. I faxed a copy of that report to the banks and credit card companies ; however, Capitol One has stated that it did not receive the report. It has not resolved my claim, issued provisional credit, or otherwise taken adequatye steps to inmvestigate and locate the person ( s ) that are responsible for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: SC

Complaint narrative:
Fraudulent activity on my XXXX consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: DC

Complaint narrative:
On XX/XX/XXXX I requested information about a personal loan from XXXX. 

LendingClub was a company with a robust online profile who seemed like a reputable lender. 

I submitted my application on XX/XX/XXXX and received a notification asking me to complete my application with the last step being for me to verify my bank account with a voided check. 

This enabled me to view a Truth in Lending Disclosure so my wife and I could discuss whether or not we actually wanted to proceed with this loan. I can not view this disclosure until I complete my application. LendingClub considers a completed application grounds to fund the loan immediately. That is not clearly disclosed. 

On XX/XX/XXXX I received an email saying my loan was approved and it would be funded in 2-3 business days. Being a XXXX funds were not deposited until XXXX 

LendingClub says that loans may be cancelled within 5 business days of the loan being funded. 

They do not provide a way to cancel your loan within any of their disclosures. On their website they say I may cancel a loan from Monday-Friday from XXXX - XXXX XXXX time. 

The money came into my account on XX/XX/XXXX. I called in on XX/XX/XXXX because I was not able to call on the XXXX and XXXX. The representative said my loan will be canceled. 

Money was not withdrawn from my account. After following up twice LendingClub on XX/XX/XXXX & XXXX will not cancel this loan because they say I needed to call in and cancel on XX/XX/XXXX. Any time after is considered more than 5 calendar days. 

Repeated requests to speak with a supervisor were delayed with excessive hold times and they promised email follow up on XX/XX/XXXX which was never provided. 

How am I supposed to understand my true cost for taking out their personal loan when doing so commits me to moving forward with their financing product. 

As a XXXX XXXX XXXX it is shocking to see that this company is not required to evaluate my ability to repay the loan. A simple debt to income calculation would indicate this as an unreasonably high cost product the manner in which the funds are distributed are intentionally predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please 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 non-monetary relief
Consumer complaint received 2022-03-30 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:
I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please 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 non-monetary relief