vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to Transunion dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to Transunion or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.

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 2020-04-05 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: VA

Complaint narrative:
XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to Experian dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or Experian to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.

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 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Transunion Consumer Reporting Agency. Transunion has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. In addition Transunion was was notified via mail and internet with an identity theft report which included two fraudulent accounts XXXX XXXX  XXXX and XXXX XXXX  XXXX. Transunion also was notified of several fraudulent related inquiries XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This fraudulent accounts and inquiries currently are reporting on my credit file which is unacceptable an in violation since Transunion has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.

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 2020-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Closed on my house XX/XX/20, mort.co paid duplicate taxes that title company paid for XXXX, forced to refund money to mortgage co until they received that payment back ( they rec 'd it back in my account XX/XX/20, title company ck cashed in tax dept ). Also mortgage company added on extra interest to XX/XX/20, when I was PROMISED the following by XXXX XXXX and XXXX XXXX the return IN FULL of all backdated interest, XX/XX/20 ( date they posted the payoff ) to XX/XX/20 ( date they added on interest to even after house paid off ), and IN FULL XXXX, that I refunded them and they got back. All I got back was XXXX, and they insist they owe me no more monies. 
THEY DO!!! I want the backdated interest and the promised taxes paid back in full ( XXXX ). They have NO right to keep interest paid after house closed and to keep the taxes I paid back to them and promised to be returned to me within 30 days IN FULL, again by XXXX XXXX and XXXX XXXX of Mr Cooper. The latest letter I got saying the title company can pay me back the taxes, HOWEVER, the title companies ck was cashed and received, Mr cooper payment was rejected and THEY HAVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Nationstar has lied to the CFPB and XXXX credit rating agencies about the status of my account. Nationstar states that my account was late. On two occasions Nationstar incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account Nationstar 's mortgage payments are paid in time. 

However, Nationstar has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in XXXX  Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian have adequately investigated the fraud and lies at Nationstar. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how Nationstar is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with XXXX and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like Nationstar and XXXX. XXXX   and Nationstar will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Its been over 9 months since I have been going back and forth with Transunion over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.Ability XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX, 6. Ch XXXX Bnkrptcy # XXXX, # XXXX, Ch XXXX Bkrptcy # XXXX. There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.

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 2020-04-05 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
In regard to NAVIENT and XXXX, I had sent a " Goodwill '' request to Navient, asking them to fix the errors ( not delete them ) before disputing the reporting errors with XXXX. The letter Sally Mae and Navient sent back in response was that they are 'accurately reporting and can not change the rating status '. XXXX XXXX  response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion unbelievably is putting fraudulent information on their report regarding me and my accounts.There are two egregious items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX HAS BACKDATED THEIR REPORTING. AFTER CLOSING THE ACCOUNT BECAUSE I DID NOT RECEIVE PROMISED DISCOUNTS AT THE PUMP IN MY AREA, I DISPUTED THE ACCOUNT ; I PAID OFF THE ACCOUNT TO 0 IN SEVERAL INSTALLMENTS ; AND I CLOSED THE ACCOUNT. THEN IT WAS REPORTED BY TRANSUNION AS SUCH. TODAY AFTER DISPUTE IT SHOWS OPEN WITH A LONG AGO PAID OFF XXXX DOLLAR BALANCE.THE BALANCE IS 0.Please immediately delete this fraudulently reporting account. 

THE OTHER ITEM XXXX XXXX XXXX.IS COLLECTING FOR XXXX, THE ORIGINAL CREDITOR.XXXX, ABOUT 3 YEARS AGO SOLD ME NON-FUNCTIONING PHONES AND SERVICE. IN XXXX XXXX, CA WHERE I LIVE THE PHONES HAD DROPPED CALLS, UNRECEIVED MESSAGES, INTERFERENCE ON CALLS ESPECIALLY WHEN WINDY, LEADING TO UNINTELLIGIBLE CONVERSATIONSON A REGULAR DAILY BASIS. XXXX, IN THEIR STORE, EVEN HAD THE NERVE TO TRY TO SELL ME OTHER PHONES TO SOLVE THE " PROBLEM ''. THE PROBLEM, I LEARNED, IS THAT XXXX DOES NOT HAVE SUFFICIENT CELL PHONE TOWERS OR NONE AT ALL IN MY AREA. THEY SOLD ME PHONES KNOWING THIS, KNOWING MY ADDRESS AND KNOWING THE PHONES WOULDN'T BE SUFFICIENTLY FUNCTIONAL BY ANYONE 'S STANDARD. 
This account should be deleted for fraud immediately.

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 2020-04-05 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: MI

Complaint narrative:
I have been a Citi credit card member for many years. They have a process to submit disputes online by clicking on the charge and then clicking on dispute claim. I have done in this in the past with no problems. However, this feature has been disable recently by Citi. When I contacted customer service to submit a dispute they told me I had to do it online by 1 ) clicking on the charge and then 2 ) clicking on dispute charge. Again, this feature has been disabled by Citi. I told Citi through chat on XX/XX/XXXX I wanted to dispute a charge from XX/XX/XXXX, they said they would initiate the process and I would be called. I have not received a phone call and the charge has not been reversed. The dispute process was never started by Citi and I am currently liable for the full charge. I have contacted the merchant and they assured me that the charges would stop and I would received a refund. I never have received anything.

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 2020-04-05 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: AR

Complaint narrative:
Its been over 9 months since I have been going back and forth with Equifax over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Equifax but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3XXXX XXXX  # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Equifax has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Equifax and will provide if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX has lied to the CFPB and Experian  credit rating agencies about the status of my account. XXXX states that my account was late. On two occasions XXXX incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account XXXX 's mortgage payments are paid in time. 

However, XXXX has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in 2018 Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian  have adequately investigated the fraud and lies at XXXX. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how XXXX is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with Experian and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like XXXX and Experian. Experian and XXXX will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.

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 2020-04-05 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: AR

Complaint narrative:
Its been over 9 months since I have been going back and forth with Equifax over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Equifax but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Equifax has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Equifax and will provide if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was placed on unpaid furlough at my job as a direct result of covid19  and they would not assist in any way. They would not defer or offer any options to help me other than pay or repossess car. 
During this time, my husband became a XXXX in the XXXX XXXX and they pushed his date for boot camp to XX/XX/XXXX due to COVID-19 also. I told them this and asked if I can forfeit the vehicle and they denied this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: AR

Complaint narrative:
Its been over 9 months since I have been going back and forth with Experian over several accounts reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX  XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.

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