vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Re : Amount of debt : {$220.00} Original creditor : XXXX XXXX XXXX Collection agency : Waypoint Resource Group Account ID : XXXX On XX/XX/2021, I received notification that my account had been assigned to Waypoint Resource Group for the collection of payment for equipment that they say was never returned. I requested validation of this debt twice, once in XXXX and then again in XXXX. I have yet to receive any type of validation proving I owe this debt. What I did receive on XX/XX/XXXX was a letter for settlement from the collection agency. Again nothing validating this debt. 

This debt is not valid the equipment in question was indeed returned to the local XXXX XXXX facility, where I was told to leave the equipment on the counter and they would take care of it. 

XXXX XXXX needs to ensure when one of their associates say " Leave it on the counter and we will take care of it '' that they actually find the account that is associated with the equipment and properly take care of crediting the account so that this doesn't continue to be a common problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/ SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2021-08-06 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: FL

Complaint narrative:
I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.

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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
McCarthy, Burgess, & Wolff reached out to me via a letter XX/XX/2021 and then with a phone call stating that I owed a debt of {$3300.00} to XXXX XXXX. I do not have a XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT IN THE ATTACHED LETTER HAS BEEN PAID FOR IN A SETTLEMENT AND THE COMPANY HAS AGREED TO REMOVE THE ACCOUNT OFF MY CREDIT FILE. THIS ACCOUNT HAS BEEN DAMAGING MY CREDIT AND I'VE BEEN FIGHTING TO REMOVE THIS ACCOUNT OFF MY CREDIT FILE FOR QUITE SOMETIMES. PLEASE SEE THE ATTACHMENT AS PROOF OF THE SETTLEMENT AND HAVE THE ACCOUNT REMOVE BASED ON THE AGREEMENT.

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 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XX/XX/2017 my husband passed away after battling XXXX XXXX. Because of this i was unable to afford to live in my house. I contacted Mr. Cooper, my mortgage company, and told them in was interested in proceeding with a deed in lieu. I filed paperwork including financial records and a hardship letter. After numerous phone calls, all harassing, all asking the same questions, i was informed that a lien was placed on my property and a deed in lieu could not proceed until the lien was satisfied. I could not find any liens and was never allowed to proceed with the deed in lieu. The harassing phone calls continued, the late fees keep piling up and the homeowners association related to the property has attached my bank account. Recently, I hired a lawyer/ realtor to short sale the property. Mr. Cooper, without my knowledge locked me out of the house. The company they hired stole a refrigerator from the back deck and cut the copper pipe from the basement. Even with these issues we found a qualified buyer. My realtor proceeded with the short sale filed all the necessary paperwork numerous times ( we tried to go to settlement and had to change the dates 3 times ) and Mr. Cooper had no intention of letting the short sale happen. Im at the end of my rope with the deceptive tactics Mr. Cooper has used to block me getting rid of this property. I just don't understand what they have to gain by doing this to someone. I did not stand to make anything off this property I just want out I cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.

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 2021-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I never applied for a target credit card and I called target and I was waiting on a fraud form to fill out and I never received it and the reps are rude to me and wouldnt close my account .. now I didnt make those payments on my accounts and I dont own a bank account Im a XXXX and living with my parents and the credit bureaus failed me and didnt take any actions to remove this account off my credit report with target {$790.00} balance that is currently reporting and I will keep fighting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I received an unsolicited loan offer from the predatory lending private equity firm Mariner Finance in the form of a check I could actually cash. I did not fall for their shameful, deceptive loan offer and have not opened the account. Presenting the loan agreement in the form of a cashable check is disgraceful - preying on the desperation of those needing to pay off other debts with a short-term easy solution ( just cash this check and the money is yours! ) while also driving that person deeper into debt. The terms are not favorable. Information such as payment dates and how to pay are not provided until after you open account solely by cashing the check. I'm disgusted by how craven this marketing approach is for this serious financial instrument - much different from the cash advance checks provided by credit card companies primarily because you already have an account with them at the time. I was likely targeted for this loan offer because of the bankruptcy still on my credit report from several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: NY

Complaint narrative:
To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.

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 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is my second complaint about the same issue. I did not receive my full amount of funds from the account that closed. XXXX is missing. They said they will issue a check but still havent.

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 2021-08-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XXXX of XXXX I opened applied for an account with XXXX Credit or which is also known as XXXX XXXX. I thought that it might be a way to help out my credit score since I didnt have any credit cards at the time, only a vehicle loan. But unfortunately I was informed that XXXX Credit did not report to any credit bureau. Now however I did learn, from a recent call back to XXXX Credit, that they are now reporting So in turn I did not use the account. About a month ago I got an email from XXXX XXXXcom informing me that my Transunion score was dropped by 37 points and my XXXX  score had dropped 89 points due to XXXX Credit closing that account for inactivity. Then I filled disputes with Transunion and XXXX  hoping that those points would be reinstated. XXXX  reinstated the points but Transunion did not. 

I feel that this isnt right. I understand that closing credit accounts hurts your credit score but under the circumstances at the time of opening the account they did not report. As stated above, I recently found out that XXXX credit did not start reporting credit activity for any account until XXXX. I spoke with a Transunion representative today, XX/XX/XXXX, and was told that there isnt anything left they can do and that if I wasnt satisfied with their dispute results I could file a complaint here.

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 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX DOB XX/XX/1971 SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/XXXX I submitted my Public Service Loan Forgiveness information to FedLoan and they disregarded the documents I sent to them and said I didn't qualify and refused to accept my military service dating from XXXX XX/XX/XXXX and I am still XXXX XXXX XXXX XXXX to this date. FedLoan declared they could only count a years worth of my payments as qualifying. I called them and they said to send my paperwork again. I recently sent it in again ( XX/XX/XXXX ) and they wrote me back declaring that only 22 of my payments count towards PSLF. FedLoan refuses to count any of payments made dating back to XXXX when the loans were consolidated to qualify for the PSLF. At this point I should have 108 qualifying payments. When reached out to again FedLoan has yet to respond. They are doing their best to cheat military and public service members out of the PSLF. I would like to have them held accountable for wasting my time and will file a lawsuit if necessary to have them abide by the law created for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: AZ

Complaint narrative:
I the consumer contacted transunion a supervisor to be exact. I demanded deletions of all accounts and inquiries to be removed and unfurnished from my consumer report. He went on to say he can on dispute such matter I stated under the fcra federal law 15 usc 1681 ( 4 ) THIER IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THERE GRAVE RESPONSIBILITY WITH FAIRNESS inpartiality and respect for the consumers right to privacy. And transunion reporting my personal information is invading my privacy. Then went on to say 15 usc 1681 b ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHICH IT RELATES. I TOLD YOUR SUPERVISOR I HAVE NOT GIVEN ANY WRITTEN INSTRUCTION TO YOU GUYS TO REPORT ANYTHING ON MY BEHALF. he said we do have the right because another party reported it. So with another party given you my information you just accept alleged debts on my behalf with out my written concent. He said yes its a automated system. We have no power to delete. But you guys have the power to furnish anything with out my concent? He could not give me one law that says they have the power to furnish with out me saying so I had given him plenty of written instruction as a consumer to have these accounts deleted he said I have to talk with the collectors about such matter. If a third party tells you anything about a alleged debts its your guys job to report to me on such concern to validate any alleged debt but instead you guys just accept and furnish anything you guys want and go against federal law. Once again its my consumer report you have to report to me on my behalf before furnishing alleged debts. You guys need to be responsible for all these individual actions I have the recorded call its about 36 minutes long I have copied a snippet of the conversation for a exhibit as proof you guys have violated my consumer rights. ( NO CONCENT IS IDENTITY THEFT ) I can provide the full record call if need to be.

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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, Somebody made five online transactions for a total of {$50.00} on my account. The next day, Chase Bank send me email asking to contact them due to some unusual transactions. 
In the meeting I try to close the account, but the agent suggests to open a new account, to transfer my balance and change my user ID and password for more security. 
XX/XX/XXXX, probably this person try to transfer {$1200.00}, Chase has cancelled it, because it seemed fraudulent. 
XX/XX/XXXX, an online transfer of {$12.00} XXXX was made from the new account to the same person who already try to made a transfer of {$1200.00} Next day I went to the Bank to have my money back and the Agent closes the new account again and suggests, one more time to open a new account to reverse the amount. After that I close the account definitely and went to get services from an other financial institution. 
On XX/XX/XXXX Chase asks me to pay a balance due of {$12.00} XXXX. I sent a letter with some emails from Chase as a proof that they can find out where the money was deposited if they made a serious and honest investigation. 
On XX/XX/XXXX Chase send me the same letter, I send the same answer I am not the person who do this transaction. I never did online mobile transaction on my account. That why I attached 3 pages of my bank statement.

HOWEVER MY ATTACHMENT IS MORE THAN 10 MB 10937 KB IL TRY TO SEND IT BY MAIL, IF POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I need to fix the problem about my money is frozen. I cant use my account for no reason. I need to know what happen and get my account free to go away with my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I traded in the vehicle that I had financed with Bridgecrest at the XXXX dealership that I purchased my new car from on XX/XX/2021. XXXX sent the payoff check to Bridgecrest and they received it on XX/XX/2021. Due to Bridgecrest claiming theyre are behind in processing and applying payoff checks, they have yet to apply the payoff check, that they received on XX/XX/2021, to my account. Meanwhile, they are calling me daily from their collections department requesting that I pay the carnote on the car that has been traded in/the car that they have received payoff check for nearly a month ago. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

initial dispute XX/XX/2021 round one letter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation