vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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:
At this time Equifax has remove " XXXX XXXX XXXX XXXX from my report. This confirms all consumer violations at hand and has incurred actual damages and injury from violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Diversified Adjustments account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states, I have a right to privacy. 15 U.S.C. 1681 section 602A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: KY

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX. XXXX dollars. This was listed on all the credit reports that this account was charged off as bad credit. 

According with the Fair reporting act, the above account violated my rights according to the 15 USC section 1681, which state a consumer reporting agency can not furnish any information on my credit report without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: IL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
There is a collection that is re-aging on my credit report in the amount of {$500.00}. I knew nothing of this until it surfaced on my report. The original creditor is XXXX XXXX, but since then I assume it was sold to NCA. I've tried calling, leaving messages, disputing etc. No action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a couple of store credit cards issued by XXXX XXXX and tried to pay them all off on XX/XX/XXXX, however, their website was down and they would not answer the phone system. I ended up sending the payment through my bank which took a few days longer. I should not owe interest on those days since it was not my fault their system was down and there was no way to pay my bill off. As of XX/XX/XXXX my bills should have been paid in full. The website shows my payment cleared by them on XX/XX/XXXX when my bill was due for XXXX. In an attempt to regain my interest, I contacted the store XXXX. They tried another customer service number which ultimately did not go through either. Eventually, I was able to log in to the website and send a message, however, the customer service message did not address my concerns and told me to contact them by phone. I tried to contact by phone again on XX/XX/XXXX, but the call would not go through. I have sent another message to get this new problem of a late fee addressed and the old problem of the interest addressed. It is unacceptable to charge people interest and late fees, but provide no way to contact them. This also applies to my other charge card under the store The XXXX also with Commenty bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed
State: TX

Complaint narrative:
XXXX keeps calling random people claiming they can not reach me and ignores my multiple emails trying to contact them. 

I have emailed XXXX over 40 times and havent received XXXX single direct response to my emails. 

They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my current complaint ). 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which both he and XXXX were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX guarantees the loan in the event that I dont pay Navient which as confirmed by the DOE FSA Ombudsmans and why they wont get involved. 

Its not rocket science simply directly and specifically address my points I need the following directly answered : XXXX ) Because XXXX is the original creditor they CAN contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and XXXX refuses to acknowledge it and confirm that Email and my po box only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with XXXX parties XXXX ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? 

I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Debt collector is trying to hold me responsible for fraudulent account..

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had an American express credit card with Macy 's for over 3 years. Just recently, they closed my account without my permission resulting a 25+ credit score decrease on my credit report. I called their customer service line and they told me that they closed the account because of inactivity. I tried to explain to them that I haven't used the credit card for now but I still shop at Macy 's and will need to use it in the future. The representative was unresponsive and told me that she can not open my account back up. I tried to speak to a supervisor but no-one reached out to me. 

This account closure has dropped my credit score more than 25 point and now I wont be able to purchase a home because my credit is not good enough for a loan. The fact that the company closed my account without my permission and didn't even send me a a notice via mail or email is egregious. 

I had a similar issue with my other credit card, but they sent me a letter saying that if I don't use the credit card they will close it. At that point I used the credit card and the account remained open. 

This issue has created many problems for me and now Macy 's does not want to help me resolving this issue. Because of the decrease in credit score on my credit report, my dreams of owning a house have crumbled. 

PLEASE HELP ME REMEDY THIS SITUATION AND MAKE SURE THIS DOES NOT HAPPEN TO ANYONE ELSE!!

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 2022-08-17 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: Rhode Island Student Loan Authority
State: GA

Complaint narrative:
I sent a letter on XX/XX/22 requesting verification of a late payment showing on my credit report for that account. The company did not send any reply within the 30 days allowed by law. They are now in violation of FCRA for failure to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
They are trying to collect a debt of about {$300.00} for damage caused to the property where I lived. The damage in question is a window, which without any evidence was charged to me for the damage. 
Again, when I lived in that apartment I pointed out that the window was broken, but they waited for the day after I left to accuse me of breaking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I Purchased a online marketing services from {$190.00} from a company called XXXX XXXX XXXX ( XXXX ), which those services were not provided. By XX/XX/XXXX I saw in my credit card statement another charge for {$190.00}. I contacted merchant and he dined to refund payments. then I contacted Capital one ( credit card company ) to request a dispute for those charges. Capital one ask me support documentation which I provided. after few days they replied me back telling that the dispute was rejected because I need to submit more letter and documentation. since then I have been submitting all the documentation requested, including email from the merchant holding me in ransom to get my refund just if I delete review from XXXX XXXX. 

Capital one still rejecting my claim after sending letters, proof of disputes, emails from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Prior to my refinance with Nationstar Mortgage XXXX, DBA Mr. Cooper, my homeowners had for 17 years been escrowed. Upon my refi, due to the equity in the loan, they didn't escrow the loan. My insurance was set on an annual payment. Renewal date of XX/XX/22 was missed this year by me, I take ownership of that. Upon realizing this, my agent/underwriter reinstated my policy effective XX/XX/22 and I provided an updated policy to Mr. Cooper Insurance Tracking center that same day. I have been insured with the same company for 18 years on my home. This presented a gap/lapse of 23 days. The mortgage company forced placed coverage for this period of time. The charge is sitting in an escrow account, but my loan isn't escrowed. 
PROBLEM : Force Placed coverage is a benefit to the lender only, NOT the consumer. 
It only protects the physical structure from covered perils. The annual forced premium of {$7300.00} is calculated on the replacement value of my home, $ XXXX, resulting in a charge of {$460.00} for the 23 days. The maximum this should be calculated on is the outstanding loan balance of $ XXXX as this is the maximum lender risk. 
I tried to contact the tracking center several times and always got stuck in their phone tree, never able to get to a human. I finally contacted Mr. Cooper directly and got someone on XX/XX/22. 
I spoke with XXXX, an Escalation Specialist ( XXXX ) and asked why they are calculating premium over and above their lender risk. He has no answer except that is what is was. I understand the lapse and asked that he calculate on their actual lender risk of $ XXXX which would produce a premium of about 1/2 of what I was charged. He said they would not recalculate. 
If my home had burned to the ground during those 23 days, this mortgage company would only have been out my outstanding balance of $ XXXX. Therefore they should not be overcharging the consumer for something they will never use or need. This is unfair to every consumer out there. I understand the need to cover the lender risk on collateral but I don't feel it is fair to gouge the consumer for any amount over and above what they need to be made whole. 

This is the problem today and where so many consumers are taken advantage of and so often the consumer is unaware of what to do. Consumers rights need to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: DE

Complaint narrative:
Received an email in reference to {$630.00} balance due on XX/XX/2022 from a XXXX XXXX. I in turn called and spoke with her stating I would be making a payment of {$400.00} on XX/XX/2022. A hand delivered notice was place on my door this morning XX/XX/2022. No further contact was necessary, I know my rights and they are in violation : 15 U.S. C. 1692b and c and d and e and f 18 U.S.C. 1514 My payment will be made as I stated to them.

Thank you for your time and assistance in this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had a Chase XXXX credit card for over 5 years, for the first time in 5 years I had to request the travel protection that they advertise in here : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/travel-protection My trip to XXXX from XXXX XXXX was interrupted due to a car accident on my way to the airport ( XX/XX/XXXX ). I've contacted Chase and followed their steps in order to submit a claim for trip cancellation. My claim is for about {$270.00}, which is how much my flight cost from XXXX XXXX to XXXX ( purchased on XX/XX/2022 ). 

I have yet to hear from them since I filed the claim on XX/XX/XXXX, their website says that I should be hearing from them in 5 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In the period of XXXX, I XXXX  in a XXXX XXXX school  called XXXX. The school  offered hands on classes, and certification post completion of classes. The school when bankrupt, and closed its doors leaving me with debt via Sallie Mae. As I was younger I did not seek legal action and just continued my monthly payments. in the period XXXX Sallie Mae transferred my loan to Navient. I continued to pay my monthly payments. In XXXX I received documentation around a class action lawsuit with Navient that I was automatically included in which would include a pardon of my loan. shortly after all navient communication stopped, my account no longer worked on their website portal as well. Information on this class action can be found here : XXXX XXXX XXXXXXXX My identify theft credit check service recently alerted me that navient has reported me delinquent to XXXX XXXX XXXX and XXXX  damaging my credit exponentially after years of no communication via mail, phone, email. I have reached out multiple times to navient via phone with no success due to extensive hold times and automated systems. 

Please advise on what I can do as a consumer, and essentially a victim of services not rendered. 

Thank you

Company response to consumer: Closed with explanation