vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive contacted Transunion on multiple occasions concerning the removal of unauthorized and fraudulent inquiries on my credit file. Customer service told me there was no way these inquiries could be removed. About a week later a colleague of mines contacted Transunion with the exact same type of scenario and the representative removed the inquiries over the phone. The colleague of mines saw the reflection of this on his Credit report the very following day. Why was i told something could not be done by one rep? Only to have a colleague call a week later and his request was successfully honored? I feel i was discrimated against, because there is no other alternative for us both to not receive the same type of service. I am requesting again for the following credit inquiries to be removed immediately because they are fraudulent and unauthorized XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX XXXX  XXXX  Date of inquiries : XX/XX/2021 & XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
I had XXXX for year. I swtiched to XXXX briefly my line and my 4 childrens due to a promotion for buy one phone get one free. The new phones kept getting cancelled due to a backorder. In addition, XXXX stated it would be an easy switch but it was not and my current lines were not working correctly. I called XXXX and requested to cancel all orders. 
I returned the one phone they did send, which they confirmed receipt and credited my account. I spoke w several reps to close the account due to the 2nd phone not arriving and awful service. They " Guaranteed '' me it was cancelled. Somehow, I kept getting a bill and FOR THE PHONE THEY CANCELLED the full charge for the phone they KNEW THEY CANCELLED. Now the debt, which I Vehemently dispute, keeps going to collection agency after collection agency. WORST PHONE COMPANY EVER. 
Please make them stop. They are full of empty promises and false charges! 


We canceled some or all of your order XXXX. Here 's what was canceled and why : Item Image XXXX 's XXXX XXXX XXXX Plus - 64GB - PRODUCT RED XXXX Quantity Ordered : 1 Quantity Canceled : 1 Reason : This item flew off our shelves and isn't available anymore. Let 's try this again. Shop online now or visit a store to find what you want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ XXXX Opened : XX/XX/2013

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am disputing a fraudulent transaction on my XX/XX/XXXX mortgage statement from PHH Mortgage Services. On the statement there is a fraudulent charge for {$3400.00} for " Expenses '' that must be reversed. 
The Loan Modification was negotiated and executed on XX/XX/XXXX with and effective date of XX/XX/XXXX. The Loan Modification contract governs. If PHH Mortgage neglected to capitalize their " expenses '' during the negotiations that is their mistake and THEIR responsibility, not mine. PHH Mortgage does not have standing and can not now 8 months after the fact fraudulently charge me {$3400.00}. 
I attempted to resolve this issue with PHH Mortgage with my letter sent to them on XX/XX/XXXX. In their response dated XX/XX/XXXX they clearly LIED and said the Loan was modified on XX/XX/XXXX. Lies and deception that all. 

The executed Loan Modification and it's payment schedule govern and this fraudulent expense charge MUST be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TX

Complaint narrative:
I AM A CONSUMER & Experian is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account is fraud please validate. I told XXXX XXXX no one can help. Can i have an itemized bill, copy of contract etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TX

Complaint narrative:
I AM A CONSUMER & Equifax is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation
State: MD

Complaint narrative:
The company is a debt collector. A third party debt collector. I have no contract with this company. They got my financial information without my permission. Identity theft. 
The company is in violation of the FDCPA. I sent an invoice for those violations. The company has not paid the invoice. This issue has not been resolved. I just sent them a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE to pay my invoice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: AR

Complaint narrative:
I received a letter from a third party debt collector, American Coradius International LLC in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to XXXX XXXX XXXX XXXX 

I use my XXXX regularly and neither my regular XXXX nor my XXXX credit account show any balance owed or past due. 

The letter claims that XXXX will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to XXXX 's security team as well. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I submitted a closure of my American Express account after 23 years of ON TIME PAYMENT and tens of thousands of dollars of consumer credit utilized and paid. They confirmed they would close the account as the balance was {$0.00}. Approximately 2 months later a vendor charged against the account number. American Express had NOT closed the account and allowed the charge to be processed by the vendor. I received a Statement from American Express listing the charge and a " Late Fee '' for not having paid the bill. I contacted American Express and escalated the case with Customer Support management. It was then that I was told that " In the customer terms and conditions it stated that American Express would allow a vendor to charge against the account if received within 60 days from account closure. This is outrageous and buried deep within the 20+ pages of XXXX XXXX XXXX XXXX XXXX. They agreed to remove the late fees and said that they would close the account and I have copies of online chat communications with American Express customer support and a VOICEMAIL from Amex stating they were closing the account. 
I recently received a NEW BILL from American Express where they had NOT CLOSED THE ACCOUNT AGAIN and have accepted a low value charge from a vendor that they have now accrued over {$100.00} in late fees against my account and I AM FIGHTING THEIR INJUSTICE. I am calling them again today notifying them of my filing a complaint with this Bureau a my State Attorney General 's office to fight American Express ' predatory lending practices by NOT CLOSING ACCOUNTS IN A TIMELY MANNER and accepting charges from vendors against accounts closed by Consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. It has been 3 months since I sent my letter. In my letter, I explained that I did not live in the ( Invitation home ) in XXXX or XXXX. I have receipts to show payments for items listed on your itemized bill. With all this said, Please delete this inaccurate and misleading information form my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TN

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. AND A CHAPTER XXXX LISTING THAT IS INCORRECT NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
I'M FILING A COMPLIANT BECAUSE THERE IS AN ACCOUNT AFFECTING MY CREDIT THAT IS PART OF MY IDENTITY THEFT CASE AND EQUIFAX IS STILL SHOWING IT BUT XXXX AND XXXX REMOVED IT ALONG TIME AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: G.W. Golden Enterprises, Inc.
State: CA

Complaint narrative:
G.W. Golden XXXX is sending XXXX XXXX to previous client houses advertising she can lower there rate and help them take cash out. 

My mother XXXX XXXX is XXXX years old and let XXXX XXXX into our house because she lied and said she works directly with XXXX XXXX. She came in and stated twice YES I WORK VERY CLOSELY WITH XXXX XXXX when my mother XXXX asked her again you work with XXXX XXXX she said YES AGAIN I WORK DIRECTLY WITH XXXX XXXX. 

I XXXX XXXX son wittnessed everything and asked her a 3rd time do you work with XXXX XXXX and again sge lied and said I work direclty with XXXX XXXX. 

XXXX was offering to lower our interest rate by and take cash out. 

My mother is XXXX years old when I looked up XXXX she is not even licensed and is quoting rates. 

XXXX was very strong arming us and pushing us to set up and appointment with her Broker XXXX XXXX and stated he is the one that sent her out. 

We told her we are not interested and she couldnt take no for an answer and said she will be back in couple days. 

When she left we called XXXX XXXX and XXXX stated she no longer works with XXXX or XXXX or has any affliations with GW GOLDEN and left that office almost 2 years and she is working for another office. 

We looked up there address on the flyer or marketing letter that XXXX left us and we could not find them or GW golden. So I drove down to this address in XXXX to cancel her coming back the building told us there no compnay by that name in this office or that building They have an address on they advertisment letter they are not affliated with. 

How can this be allowed. That an unlicensed person is promising they can lower the rate by 2 % and bring it down to 2.0 % rate and help us take cash out. XXXX XXXX was our orginal loan officer and she is using her name to connect us to work with her. This is elderly abuse and this is not ok. She strong armed my mother and came into the house and forced her to set up and appointment we didnt want. we told her we dont want anyone coming back. 

After driving to the office and seeing they are using and address that is not there I called XXXX right away and told her do not come back and make sure to cancel everything. If I XXXX was not here to stop this and catch all this they would have taken advantge of my XXXX year old mother. 

My mother is XXXX years old is very upset and can not belive this is happening she is happy she put a stop to it right away. This is very unethical and very dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
At the beginning of the pandemic approx. XX/XX/2020mortgage companies offered their customers a break from payments if they were affected by the pandemic negatively. That break was called a forbearance. I was offered a forbearance and took it. I had asked the mortgage company if it was all going to be due at once or if other arrangements could be made. They assured me that other arrangements could be made for repayment other than a lump sum. These other options included modification, or adding the payments to the end of the loan. The total owed after twelve months is around XXXX, They will not offer me any options other than lump sum repayment or sale of property. I feel as though they are going to steel my home. I have been here for 25 years. What an abuse of a system that was supposed to be used to help people keep their homes not loose them. Please look into this. The company is called Specialized Loan Servicing. Phone number is XXXX XXXX XXXX XXXX. I also have a second mortgage on the home with XXXX, and they modified my loan as described with no problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Ive been trying to get my registration switched back Over in my name since XX/XX/XXXX... they finally sent me the paper work to have it switched back over but its taken to long and Im getting the run around. Ive been paying for a rental car and making my car payment I cant afford to do both anymore I need my registration back in my name ... its bad enough I cant get the XXXX Ive spent on a rental car back .. now here it is almost another month I still cant XXXXXXXX XXXX XXXX and I still have to make payment or they are gon na repo my car and its not fair. How am I gon na keep getting back and forth to work with no car but yet Im still paying on a car that I cant XXXX XXXX. Im over Bridgecrest and how they did me was so unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
Received a letter from Diaz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX and it looks to be a complete scam. They sent a letter saying I owe {$1400.00} on a credit card account that was opened in XXXX and settled in XXXX with the original creditor. They tell me they'll settle for {$510.00} if I pay by XX/XX/XXXX. Not only is this a complete scam, this is 15 years past the statute of limitations. It's predatory. It's not a debt owed at all because it was already paid almost 15 years ago. Y'all have to to go after and put a stop to this type of stuff. Several people are posting online they've experience the same thing from this company. I don't even know if they're real. Who really does?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
This company keeps sending mail and calling my phone to collect a debt of a family member. I sent a cease and desist letter and the address of the person but they keep sending mail and calling my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: VA

Complaint narrative:
I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXX XXXX  and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called XXXX and Experian several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has XXXX missed payments XXXX has 10 missed payments XXXX XXXX has XXXX late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court

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