vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX. XXXX - XX/XX/2022, I log-on Experian to check my credit report and score. What I notice, I had no score and couldn't understand why because I only have one secured credit card from XXXX to try and rebuild my credit. I've made several calls concerning this matter, not one Experian Representative could or just would not help me fix this problem. Employing the use of Experian boost to possibly help me generate and retrieve my credit score, it generated a credit score, but it was not the credit score prior to me viewing an invisible credit score.XX/XX/XXXXXX/XX/2022, The XXXX  XXXX XXXX XXXX telephoned me stating that XXXX the company used to process credit inquiries for XXXX  XXXX stated that there was no credit information on my credit file to pull not even a credit score as well. It was then I explained to the lender this problem I tried to get it corrected through Experian XX/XX/XXXX, no success to correct the issue. I also mentioned to the Lender that XXXX experienced this same issue XX/XX/2022. 

3. XX/XX/2022, each time I log into my Experian account this statement appears in red in the center of the page " Sorry, we can't show you today 's report. This might mean that your lenders have different personal information for you than we do. Until this issue is resolved, you want be able to see your report ''. I've read this statement several times to many different representatives it just went on deaf ears.

4. Please I need help to fix the serious problem with my credit file and get it back to a normal without Lenders having issues trying to retrieve an inquiry on my credit score or report. Please Help Me.

5. I decided to log online to Consumer Financial Protection Bureau to complete a through compliant after viewing the vocabulary typed by the representative from Consumer Financial Protection Bureau over the telephone. The vocabulary was not correctly worded as I stated, that's why I completed this online complaint XX/XX/2022.

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 2022-06-24 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: GA

Complaint narrative:
I had a home loan thru XXXX XXXX. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.

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 2022-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After noticing a late payment from late XXXX on my report that I did not agree with, I began a dispute with Equifax. After a few days the dispute was complete. The result was puzzling, adding fraudulent and untrue information including many late payments in the year of XXXX including 30 and 60 day lates while the car was paid off. I immediately began yet another dispute and contacted XXXX XXXX XXXX to determine why they would do something so despicable and intentionally demeaning. The representative I was connected with spent hours reviewing files, documents, forwarded information, and reached out to the highest of his superiors because of his complete loss of understanding in the situation and why they reported untrue information. I began a conference call with XXXX and Equifax connected, in which did nothing. They asked the Rep no questions, for no files, or insight. They simply dismissed the matter, stating it would get done later. The most angering and concerning thing is the Rep I spoke with the week prior was very aggressive, rude, and dismissive, which created tension the entire call. Prompting me to believe he had something to do with the situation. The incorrect information Equifax decided to report which is different from XXXX, XXXX, and the co-buyer on the account dropped my score significantly and again with no accuracy or merit. The was a complete fail on there part and 100 % defamation of my character and credit worthiness. They also removed all currents and replaced with unknowns, which hurts my on time percentage. I have never seen a situation so baffling from a company that is suppose to ensure updated and correct information. I will most likely be receiving legal assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 non-monetary relief
Consumer complaint received 2022-06-24 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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I want to counterlaw suit this company called Midland credit.com Company in XXXX FL. Don't provided people with the right tools instead threatened with lawsuit and I don't like this company at all their attitudes XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX 2022 my phone was lost and both my banking account and Cashapp were compromised. I filed all paperwork and was completely refunded all money from my XXXX XXXX account. I also reached out to Cashapp and out of 12 unauthorized transactions only 4 were returned to me. I spoke with several representatives and gave all information that was requested to dispute the unauthorized transactions for XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I have been trying to deal with them since XXXX 2022 when I was made aware of the unauthorized transactions. They have since closed the claim and refuse to return the reset of the unauthorized transactions. I have filed a report with the XXXX  they denied the claim. They will not address why they returned 4 of the 12 transactions. I have requested to speak with a manager several times and I have been denied. I feel like I'm reaching out and I'm wasting my time. I'm hoping to get some assistance because {$600.00} is a lot of money for someone to steal from you and you honestly get no assistance from Cashapp. My phone number is XXXX... My name is XXXX XXXX XXXX XXXX XXXX and my Cash tag is $ XXXX ... the address on my account is XXXX XXXX XXXX XXXX Georgia XXXX ..also the email with my Cashapp is XXXX these people will not speak to you and they will not give you assistance in getting your money back even after doing everything that they tell you that you must do. I'm completely lost and would appreciate any help or advice on getting my money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
My brother and I refinanced on a lake property about five months ago, we set up auto pay and it was excepted by the mortgage company. There was a month where they declined our auto pay for no specific reason and we missed a mortgage payment. My credit rating took a XXXX point hit because of their mistake. There is nothing they will do about it as explained in a phone call to the company. 
In 20 years of paying mortgages, I have never been late once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been on an Income Based Repayment program for over 10 years with Navient. I recently received my annual certification to submit income to recalculate the loan amounts. I had submitted my certification and was told I no longer qualified even though my husband qualifies for the plan and our filing status on our tax return is XXXX XXXX XXXX. I had called on both XX/XX/XXXX and XX/XX/XXXX at XXXX AM for updates and was told I no longer qualified and that my husband had filed his forms out incorrectly and was hung up on when asking to speak to a supervisor. The annual submission is straightforward and I am certain they are not using my husbands loan values in making the calculation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am receiving non-stop harassing calls and texts from " Eastern Account '' and " XXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors. 

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lakeside Recovery Solutions
State: FL

Complaint narrative:
I am receiving non-stop harassing calls and texts from " XXXX XXXX '' and " XXXXXXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors.

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXXXXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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 non-monetary relief
Consumer complaint received 2022-06-24 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: IL

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 2022-06-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 

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 2022-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
Private Student Loan debt - deceptive practices : In XXXX I came to an agreed settlement of my Private Student Loans with the loan servicer and made payment arrangements to pay the debt collector. The sum of {$26000.00} is considered as a complete settlement in 71 payments. The first payment in the amount of {$2000.00} is due on or before XX/XX/XXXX. The following 70 payments in the amount of {$350.00} are due on or before the XXXX of each month starting XX/XX/XXXX and ending XX/XX/XXXX. I have been making payments on time every month since this agreement was made. 

As of XX/XX/XXXX I received a notice that 3 of 7 of my accounts had been forgiven that was granted on XX/XX/XXXX, as a result of a settlement agreement the Loan servicer has reached with your state 's attorney general. I contacted both the Loan Servicer and the debt collector to make sure the forgiveness of these accounts were confirmed as true, both parties confirmed. The debt collector has now informed me that I need to renegotiate with the Loan Servicer through them due to stopped payments. They are claiming that I had stopped making payments as of XXXX of XXXX. I had not received any correspondence that payments had stopped being withdrawn from my account. The debt collector has provided me w/the service of auto withdrawals from my account that somehow stopped. This is the 3rd time this has happened during my repayment. The last time it happened I sent a certified letter by mail and email correspondence informing them that they had failed to process payments. 

The debt collector has tried to get me to agree to paying twice as much as I actually owe. They are unwilling to adjust the balance of my accounts to accurately reflect what is left to pay based on. my org. settlement after the 3 accounts have been forgiven and they are trying to force me to pay more than what is actually owed by putting a sense of urgency on the matter, stating I only have until XX/XX/XXXX and then the settlement they have offered is void and I will owe the entire balance that is left of {$26000.00}. 

I have also requested documentation of the loans that are still active and what balances are left to verify that their data matches XXXX data. The debt collector has been unable to present me with this information after several requests to do so. 

Please note I have kept a record of all communications between myself and the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
Will not resolve my dispute of unauthorized charges been hung up on treated disrespectfully after getting my card and my phone stolen from me they will not ohner there terms

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 2022-06-24 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: IL

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I did not know, my fault, that they charge late fee for not paying the full payment. 

Payment Due Date XX/XX/XXXX Minimum Payment Due {$29.00} Payments - {$25.00} Amount Past Due {$4.00} XX/XX/XXXX LATE FEE {$15.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$33.00} Payments - {$25.00} Amount Past Due {$8.00} XX/XX/XXXX LATE FEE {$33.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$44.00} XX/XX/XXXX LATE FEE {$40.00} XX/XX/XXXX Return - {$32.00} XXXX Payments - {$25.00} Their late fees have risen unbelievably.

Company response to consumer: Closed with explanation