vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Corpra Care, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a robo caller voicemail message stating the following : Hello this is an important message for XXXX XXXX not XXXX. This is not a sales or marketing or sales call. Please call us toll free at XXXX when you call, please quote your reference number XXXX Thank you have a nice day. No mention of the collection agency name! 
The collection XXXX is XXXX XXXX XXXX. XXXX is : XXXX XXXX XXXX waited XXXX  years or XXXX XXXX did not send it for collection until XXXX  years later. I did not receive any statements. 
On XX/XX/XXXX, After returning from XXXX XXXX XXXX, I started returning any voicemails I have. I called and got the same lady before stating another statement for payment but did not acknowledging the payment arrangements. 
On XX/XX/XXXX, I receive a call and spoke to the Office Manger ( not sure but think her name is XXXX in the conversation I was told a statement was mailed in XXXX. If I'd received the statement, I would have quickly made arrangement to pay the bill or pay in full. So, she sent one via email then I called to tell them what amount of the payment I could make. She tried to bully me and threaten me with Collection efforts so I told her those tactics would not work. Later we were able to discuss payment arrangement ( she agreed to ) and told me she would notate the account. I am receiving XXXX XXXX which is a fixed income and will not commit to payments I can not pay. well, I had an appointment with XXXX XXXX for my XXXX XXXX XXXX and decided to call first. I spoke with the Front Desk Person, so I explained payment arrangement were made with the Office Manager. She said let me ask the doctor and I was placed on hold over XXXX mins. I felt the long hold was for me to hang up and she knew my appointment was in an hour. In addition, she knew I would not have time to get to the appointment. She says XXXX XXXX said he would not see me without paying {$50.00} that {$10.00} as agree was sent to them. 
I will request XXXX to send that statement to me. However, if there is a charge for the XXXX archive statement, XXXX XXXX 's office will need to pay it.

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 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose

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 2022-09-30 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: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose

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 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose Please adhere immediately and remove from all credit bureaus or anywhere else. 

Award me {$20000.00} for my inconvenience. They are to never use my information for anything ever in life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XXXX22 I opened a 2.50 % XXXX term apy " BUMP UP '' CD with Marcus.com. Marcus of Goldman Sachs opened this account ending in XXXX. 

Marcus failed in their online marketing promotion to explain that only MARCUS could decide when a rate bump could be initiated even though they introduced a 3.00 % 12 month CD and longer term 3.5 % CDs. 

Marcus online supervisor XXXX which I contacted XXXX22 apologized for this omission but said their was nothing she could do to remedy this unfair circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 ; states that I have the right to privacy. In 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account account without my written instructions. And under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX BANK NEVER LATE XXXX XXXX XXXX NEVER XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AUTO MALL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: OH

Complaint narrative:
I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX, XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I do events for a living, so I book venues a lot. I have a friend who sent me someone elses number saying that someone owned a venue. The venue owners name is XXXX. I spoke to XXXX over the phone and we agreed that I would host an event there. I booked the place and signed a contract online. I never got to see this place in person or to meet him, but I trusted him because Ive done this plenty of times and there has never been a problem. I sent him {$2500.00} through zelle. 2 days before the event, XXXX canceled it and said he would send me the money back. Its almost been a month now and he blocked me and didnt send any money back. Im only XXXX XXXX XXXX and I need the money back asap. I asked the bank to help me and they said they cant do anything about it. Please help me. The contract says he must send it back if he cancels it. His company name is Invite Only. His name is XXXX XXXX XXXX. Location of his venue is XXXX XXXX XXXX XXXX XXXX, FL I have all proof necessary I use Chase Bank I sent him XXXX payments of {$1200.00} through XXXX His phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers afni XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with fair credit reporting act XXXXt the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct 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 non-monetary relief
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXIn accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct 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 non-monetary relief
Consumer complaint received 2022-09-30 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: NJ

Complaint narrative:
There was 3 times where someone tried opening a credit card with my credentials. The accounts include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I notified Equifax about the inaccurate credit report from the hard inquiries from opening but they did absolutely nothing to help me and it ultimately impacted my score negatively. Equifax is in violation of 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance LLC falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On XXXX XXXX, 2022, a charge for {$61.00} from XXXX XXXX appeared on my Citibank credit card statement. I do not recognize this charge, and the statement says its from last XXXX. Ive contacted Citibank by phone on XX/XX/XXXX, XXXX, and XXXX, but they have done nothing to resolve this. Each time they say XXXX get a credit, but it never happens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been calling Mr Cooper since XX/XX/19. They have been collecting my tax impounds for a year and havent had to pay out taxes since the builder prepaid for a year. Ive have had my company run a tax analysis and I have a surplus of funds that I want refunded to me so I can pay my supplemental taxes. They currently have $ XXXX in my escrow account. I know legally they can not hold all that money in a non interest baring account. I work in mortgage and I know how it works and I can not get any resolution with them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hello, I had opened my US Bank Easy Checking account during the promotional period wherein if I get a direct deposit of {$4000.00} or above then I would be eligible for a {$400.00} bonus for opening my bank account. I opened my account over the phone and the representative over the phone said that I was registered for the promotion and that I would get it within a couple of business days of fulfilling the requirements. I opened my US Bank Easy Checking account back in late XXXX and I have already funded it with multiple direct deposits of over {$4000.00}. However, I have not received that bank bonus yet and after calling customer service, I did not get any proper response as to why the bonus has not been posted. They did not provide any resolution on the matter. I am hoping to escalate this matter so I can get the issue resolved and attain that {$400.00} bonus that I am missing.

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 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
Issue w/ Edfinancial : On XX/XX/2022 I requested a refund on my account for {$10000.00} over the phone. They did not provide any confirmation of my request after I got off the phone. I tried a few times to use their chat service to check on the status of my refund but it timed out after 10 minutes of waiting each time and told me I could not be connected. I called XX/XX/2022 to check on the status of my refund request. XXXX helped me on the phone to confirm that my request was received and processing. I asked for an expected timeline and he said he couldn't say. I asked for even a general range and he said 3 months and began explaining to me that there's absolutely no way he could give me a straight answer, [ Edfinancial ] just doesn't know, then said the timeline was solely dependent on the Department of Education processing. I asked if there was anything I could do to expedite the process or any other updates I would receive and he said no, there's nothing I can do and that I have to call in to check the status periodically. I've seen countless accounts online with people receiving refunds from Edfinancial within 14 days and others being told it could be up to 180 days. This wide range of time with no explanation is not acceptable. I felt that the information provided to me over the phone was inconsistent and vague, which felt intentional. I ( and others online ) are worried that Edfinancial is intentionally delaying account refunds so that borrowers miss the XX/XX/XXXX deadline for the single time student loan relief. I want my loan reinstated before this escalates and becomes a legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
We have been working with XXXX XXXX to get them to help us get current on our mortgage. They have sent the paperwork requesting information to LoanCare at least twice. We have called LoanCare several times to see the status of the paperwork and every time they give us a different answer and tell us no one can get on the line to help us get this corrected.

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 2022-09-30 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them

Company response to consumer: Closed with explanation