vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: NJ

Complaint narrative:
I sent a letter asking experian, XXXX and XXXX to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681i-experian, XXXX, and XXXX have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.

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 2023-02-25 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: GA

Complaint narrative:
I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXXXXXX  points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2023-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
DESIGNED RECEIVABLE has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with DESIGNED RECEIVABLE. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Hello, I attempted to transfer {$80.00} to XXXX XXXX XXXX in the XXXX on XXXX XXXX, via MoneyGram. MoneyGram informed me that they processed the transfer on XX/XX/XXXX, and the money was received on XX/XX/XXXX. However, the receiver says he has not received this money. Upon contacting Money Gram, they opened a case on XX/XX/XXXX. 
After calling and contacting MoneyGram about half a dozen times, MoneyGram sent me an email on XX/XX/XXXX, ( Please see the attached file named " doc1 '' ) saying that " After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received. 
As such, you are entitled to a refund in the amount of {$190.00}. This amount represents the transfer fee you paid with this transaction. '' But I checked again with the receiver and he maintained that he had not received any money via MoneyGram in XXXX or XX/XX/XXXX. I contacted MoneyGram customer service, asking for proof of their communications with the receiver bank and their claim that the receiver bank confirmed that the money was received and also asking them to provide me with an exact date that the money was deposited to the receiver 's account. After a few days, I received another email from MoneyGram on XX/XX/XXXX ( please see attached file, named " doc2 '' ) sending me what they regard as " proof of Deposit ''. I have not attached this receipt because it contains account numbers and other sensitive information but I can provide you with a copy of this receipt upon request. 

However, as I said in my response to them I had requested proof that the receiver bank, XXXX XXXXXXXX XXXX confirmed that it had received the money and also the specific date it received the money and deposited it. The document they sent to me is not from XXXX XXXX XXXX. Also, the date on this document is XXXX, which is the transaction date according to the receipt available on my MoneyGram account XXXX not the date the money was received by the receiver bank. Moneygram initially claimed that money was received on XX/XX/XXXX ( according to the receipt available on my MoneyGram account ) but in the email, they sent to me on XX/XX/XXXX, ( please see the attached file, " doc1 '' ), they conceded there might have been an error and the money transfer was delayed although they provided no information on that date. 

I have to mention that this was not the first time I sent money to the receiver and to his bank in the XXXX. I have done it before via MoneyGram once ( in XX/XX/XXXX ) and via XXXX service three times ( including twice in XX/XX/XXXX ) with no problem. 

Thanks for your consideration, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have sent Certified letters to Fox Collection Center for account XXXX located at XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX and XX/XX/XXXX and they have not verified not validate that this is my debt. I have copies of letters that I received from XXXX and XXXX that this collection is deleted from my consumer report, but they refuse to send the letter to XXXX for deletion from my consumer report. I sent them certified letters and as of this day XX/XX/XXXX they have not once sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have been communicating with my mortgage company in regards to a loan modification. They have been stalling and adking for documents previously emailed and uploaed to their portal. There are no direct point of contacts to the loan modification department. Regular customer service agents are relaying information between the consumer and loss mitigation department. I have not defaulted on either mortgage yet, but I am want to avoid credit ramifications as they are taking their time processing my review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
I sent over 10 Faxes and 3 letters to Equifax to remove 5 fraudulent inquiries on my credit report and on top of that I have called more than 10 times and they still have not removed them. They went ahead and removed 3 accounts that I never told them to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OR

Complaint narrative:
I applied for a loan of {$1000.00}. I was desperate to get money quickly and didn't read all of the fees. I read the next day and immediately did the website chat to tell the company to cancel the loan. The said they would and didn't. I got the loan amount in my account. The fees and charges are so high, I've been paying {$320.00} twice a month for 2 months and still owe {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: FL

Complaint narrative:
EQUIFAX MORTGAGE SOLUTION ( EQUIFAX MORTGAGE SERVICE ) labeled Miscellaneous meaing of various types or form different sources. I did not give any authorization for the process of that, different sources unknown using my Private information for applications etc. I applied for mortgage loan with XXXX this is an Act of an Privacy Breach, there is no reason i shall have inquiry from EQUIFAX based on mortgage service. Resulting in other mortgage services having inquiry on my credit file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation

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 2023-02-25 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have provided documentation from the car dealership that the car was sold to them before the payment was due. Exeter also provided letter to XXXX STATING I never had a late payment. XXXX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The Exeter account was never late I need that fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/2023 I Zelle payment a tattoo artist {$300.00} to do a job. I was supposed to meet him at the shop on XXXX XXXX. When I contacted the shop to verify my appointment I found out he no longer work for the company, he is not returning my calls or refund me my money to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I went to get financed for a vehicle I ended going to XXXXXXXX XXXX  auto dealer here in XXXX TN I was told my credit wasn't good enough so I needed a higher down payment I was looking at XXXX XXXX is XXXX model they told me I needed around XXXX to pay for the car that old I couldn't believe it but I was desperate and I didn't have the transportation at the time to look any where else so I agreed they wanted an extra XXXX for taxes which was to much I felt I was paying but I was in a situation and needed transportation to get back and forth to work to pay bills I was told my car would be a total of {$12000.00} but after I filled out and agreed to everything my total went up to around XXXX when I looked at the paper work I asked why they say it was the finance company which is credit acceptance they over charged me for an old vehicle I struggled to keep up with payment when switching between jobs the company would not help me my car was repossessed a couple of times which I had to high fees to release my vehicle causing me to go further into debt I'm not rich I'm just an everyday working American trying to make it and I feel this company and dealership played me for my cash now I fo not have the vehicle and I need help please

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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately 7,000 dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, please help me

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been very disappointed with the AMEX Platinum Card experience. I have been trying to spend a little more than usual on the card and I have been placed on a financial review in the XXXX month. But after that everything went well and the financial review was completed. Fast forward 2 months I spent a little more again and I get placed under a financial review for spending more again for no reason. It is so disappointing when you can not really use your charge card up to the full potential. I even got a checking account in AMEX so they know I will pay my debt to the fullest each month but it is not any of their concern. I can not keep doing financial reviews every two months that is absolutely absurd. Please do something about this man it is draining my day out and I do not want to wake up and go to work just because I have a financial review that I have to stress about and two AMEX cards that I can not use for 2-3 weeks for absolute no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
I am writing to file a complaint against Experian, XXXX XXXX XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with Experian regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, Experian, XXXX XXXX XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided Experian, XXXX XXXX XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against Experian, XXXX XXXX XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that Experian, XXXX XXXX XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that Experian, XXXX XXXX XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that Experian, XXXX XXXX XXXX still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXX Bank Acct # XXXX, XXXX XXXX Bank Acct XXXX XXXX & XXXX XXXX XXXX  Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and 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 explanation