vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over these alleged debts. I am requesting validation of this debt.These accounts had been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled these accounts and they were not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2022-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over these alleged debts. I am requesting validation of this debt.These accounts had been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled these accounts and they were not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I was behind on my mortgage payments, so I called Rushmore Loan Management Services to make arrangements ; we decided on a repayment plan for 6 months to catch up. the original amount was {$1500.00} right away ( XX/XX/XXXX and then {$2000.00} starting in XX/XX/XXXX. I mailed via fedex the {$1500.00} on time. I get paid bi-weekly, so the next payment of {$2000.00} was mailed via fedex XXXX, I believe, It was applied to my mortgage XX/XX/XXXX or around then. I included a letter along with my payment asking to split the payment in XXXX as I got paid by-weekly and have yet to receive any response from Rushmore. 
I mailed a payment of {$2000.00} XX/XX/XXXX for {$2000.00} via fedex, I received a confirmation from fedex that the envelope was received and signed by Rushmore XX/XX/XXXX. As of the date of the complaint XX/XX/XXXX, my payment has not been applied to the loan! I have called a number of times and all I was given was excuses. I even received an covert threat by a person named XXXX -customer service, about the status of my loan and how " far behind '' I was! 
I receive emails that I can check their website for statements and make payments online. I do not have access to Rushmore website ; Rushmore has blocked access because of this repayment plan in-effect! so I am XXXX here! I have not received paper statements either since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: VA

Complaint narrative:
Im filing a complaint because Transunion failed to comply with my re-investigation request in complaint XXXX. Since XX/XX/2021 Ive sent 3 letters to them and made over 7 phone calls to resolve this issue. They did not provide any documents requested to confirm their investigation. They are refusing to uphold the law and remove unauthorized inquiries. 

The law says, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Ive told multiple Transunion employees this but they say they dont remove inquiries. This is violating my consumer rights. Transunion must remove the inquiries 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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: SC

Complaint narrative:
XXXX take notice of EXPERIAN FAILURE TO ACCURATELY MAINTAIN MY CREDIT REPORT. XX/XX/XXXX, Experian I have attached XXXX screen shots from your website that show disputes of a account from XXXX XXXX XXXX. Check the dates please. As you can see the XXXX XXXX account was removed from my consumer credit report in XX/XX/XXXX. I checked my Experian consumer report again in XXXX of XXXX and noticed the XXXX XXXX account was back on my consumer report. I disputed it again and received a message from Experian today XX/XX/XXXX that the XXXX XXXX account has been updated and is still on my credit report ( AGAIN ). BY LAW A ACCOUNT CAN NOT BE PUT BACK ON A CONSUMERS CREDIT REPORT AFTER IT HAS BEEN REMOVED. REMOVE THE PORTFOLIO RECOVERY ACCOUNT AGAIN PLEASE. The fair credit reporting act 15 U.S code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NV

Complaint narrative:
sent validation letters in to the company asking for proof of validation including my signed signature and never got the proof I asked for just that was updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Recently XXXX transferred the student loan they claim I owe to Aidvantage  without my consent, I do not have a contract with aidvantage, aidvantage is not the creditor, and I haven't agreed to any terms with their organization. I never received the student loan amount they claim I owe, ask aidvantage to provide my wet ink signature on any document that claims I consented to do business with them. I reserve all my rights and waive none, I rescind any signature on the student loan contract. I never received just compensation. Lack of consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint because XXXX MACYS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I received a notice from Indiana XXXX XXXX Treasurer 's office on XX/XX/XXXX dated XX/XX/XXXX stating that my property taxes had not been paid that was due on XX/XX/XXXX, XXXX if payment was not received by XX/XX/XXXX additional fees and an interception of our personal Indiana income tax. 
I reached out to Mr. Cooper Mortgage company the following Monday XX/XX/XXXX and sent them the documents showing it was past due. 
I spoke to resolution specialist XXXX XXXX who assured me it would be paid within XXXX to 3 days. That did not happen. 
I then spoke to resolution XXXX XXXX XXXX on XX/XX/22 who assured me he would get it resolved. I received an email from Mr Cooper on XX/XX/22 that the payment had been sent on XX/XX/22. I then followed up with the XXXX XXXX XXXX to be sure the payment was received. It had not. 
I then spoke to Mr Cooper resolution specialist XXXX XXXX on XX/XX/22 who assured me the payment was going to be send on XX/XX/22 by FedEx overnight and provided me with a tracking number. That tracking number shows that only a label was created and XXXX had not received the package from Mr. Cooper. 
Today is XX/XX/XXXX, the final day XXXX XXXX has given before interception. 
I have emailed all three resolution specialist to respond and none have replied. 
I need help getting Mr Cooper to pay my past due tax bill as the funds are being held in their escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been unable to access my annual free Equifax credit report since XX/XX/2018. The issue detailed below began before XX/XX/2018, and I finally called Equifax and they verified my information and mailed a report. I should be able to confirm my identity online as I am able to with the other XXXX credit bureaus. I believe Equifax is intentionally denying myself and others free credit reports in order XXXX XXXX business to their subscription based products. A quick XXXX search indicates I am not alone in being denied my free credit report. 

To retrieve free credit reports, I go to annualcreditreport.com, enter my identifying information and select the bureaus I want. I have been able to correctly answer questions posed by XXXX and XXXX to confirm my identity EACH and EVERY time I do this. However, every time I attempt to retrieve my Equifax report, I receive an error message stating my identity can not be confirmed and to mail about XXXX documents with sensitive personal information to Equifax and they will print and send a copy of my credit report. I believe this is an intentional strategy to force consumers to paid subscription services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I am filing this complaint because THE BUREAUS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX XXXX Bank issued a sub prime predatory private student loan to my mother and I for my brief attendance to XXXX XXXX in XXXX XXXX Florida. 

Rather than the loan being sent directly to the school for payment, the loan was sent to us the borrowers. As this was XXXX, we truly did not qualify financially for this loan, and it was provided during the sub prime mortgage nightmare. The loan was issued for a little over XXXX with a variable interest rate of up to 8 %. 

The loan has now been held by Navient for many many years. At many times Navient deliberately increased the interest in a predatory way causing undue harm and emotional stress to my mother and I. There have been little to no repayment options. 

In XXXX even though I was still attending a local university in XXXX I was forced to being repayments of {$270.00} a month. No options were provided for lower payments and any forbearances offer were only provided for a short and predatory duration. 

After paying the loan down over time the interest rate was increased within a 6 months period from 2 % to over 6 % this wiped out any progress made from the payments. 

There are no options for settlement of consolidation. 

As Navient was ramping up for the settlement they have been deliberately pushing private student loan borrowers to refinance through their company. In a direct and terrible way to ensure they don't have to settle the debt of borrowers who would have qualified for the XXXX settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint because LVNV FUNDING has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
fact, I the affiant is aware and have proof that Equifax has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed 24 violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called last week ( today is XXXX ) because I could not login to my account to make my payment online with Citibank. The lady said they had closed my account and she didn't speak XXXX well at all. She wouldn't tell me why it was closed and couldn't tell me why I wasn't notified that it was closed. I dismissed it as a communication error and her not understanding what I was asking. 

Today I called again. This time a man who did not speak very good XXXX either. Suffice it to say he told me it was closed and that they have already told me about this. I STILL HAVE ZERO CLUE WHY IT IS CLOSED!! I've not missed a payment. I have an excellent payment record. And I still can not get into my account to see any statements, make a payment or anything. 

They are quick to tell you about their app but they don't realize I am XXXX XXXX XXXX and can not see my phone well enough to do anything. The print is WAY too small. I don't operate out of my phone either. 

I'm upset. My payment is due today. And I'm done. They are the hardest to contact and deal with and they hold my Best Buy and Staples card as well. They don't listen. They don't help. And I can't understand them. 

Can anyone there please help or do something to make them stop doing this to elderly people. I am so upset right now ( I am fully XXXX ) that my XXXX XXXX has gone sky high which it did last week as well. 

XXXX was the gentleman 's name if I heard him right. He was rude. He answered rude. I don't understand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint because PORTFOLIO RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 my credit card was fraudulently used to order carryout food at a merchant that exists more than XXXX miles from my home. I submitted a dispute with Citicards and the charge was initially reversed. The merchant also disputed the charge and provided Citicards with the information they had from the transaction. This included a phone number that does not ( and never has ) belonged to me and an email address that I do not recognize. With this information Citicards sent me a correspondence ( requiring a signature from me ) to my website profile with them. They DID NOT however send the letter through XXXX  mail and therefore I was unaware that it existed. Once I did realize it existed I submitted it to Citi 's fraud dept. and this is where I have hit a wall. Citi 's foreign call center operatives assure me that this will be reversed in my favor and that they have submitted this to the " back office '' ( an office that I am not allowed to communicate with by the way ). I have been promised call back from supervisors and this has not happened. It is now a full week of business days and I continue to wait for resolution on this matter. The disputed amount is for {$38.00} at a merchant in XXXX XXXX, FL that calls themselves 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 monetary relief