vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.

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 2021-10-21 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: CA

Complaint narrative:
My XXXX card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down 30 points?????????? 

I called XXXX to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with XXXX Supervisor XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the XXXX card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was 83. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in 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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello I am requesting that my sercurity freeze be removed from my credit report. 

Name : XXXX XXXX DOB : XX/XX/1980 SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
Today XX/XX/2021 I received a denial letter in the mail. The denial reason had nothing to do with my lack of credit worthiness. The denial reason was identifying information didn't match. My credit score was listed as a XXXX on the letter which isn't the best but definitely worth an approval. I also was approved for XXXX when I pre-approved which is the only reason I even applied. This pre-approval is a misrepresentation and created an adverse action. I received nothing but I am sure XXXX has received compensation for my personal data. I have received nothing in return for my personal data

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 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
Back in late XXXX my check book and purse were compromised so I had to close my checking account. So I called Net Credit and told them I needed to change my checking account information with same bank but different account. She said I couldn't change the information over the phone but to email XXXX and they can change the account information. She said send a copy of a new check. So I initially emailed them on XX/XX/XXXX with a pic of the check from my phone. Unfortunately my phone used my XXXX email which isn't associated with my account for Net Credit. I was asked to resend the information from the email associated with the account. So I did that. My next response was that they needed a " voided '' check in order to change the account. So I resent a voided check. Then the response was to send my ID because my name on the check didn't match the name on the account. So I did that. Then I get an email confirming the account information and responded with " I approve '' according to the directions. The next response was we can't change this account because there is a pending payment. I knew the payment wouldn't go through but they initiated it a day early. So I never heard back except that my loan is now delinquent which I was trying to prevent. I have sent several emails asking them to change the account with requested pictures ( previously sent ) as they requested. I have called and can now not get through to a person. I'm told the wait is 4-6 minutes but I've tried three times as of today to no avail. The account is still not changed online as of today, and they are initiating yet another payment on XX/XX/XXXX which isn't going to clear. I'm extremely frustrated with the lack of communication from this company, and what appears to be " stall '' tactics so they can charge me late fees and even higher interest. There is no option to make a payment online with a debit card or to edit your banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Credit reporting agencies are in violation of the law for reporting inaccurate and misleading accounts.

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 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: TX

Complaint narrative:
This has been the worst experience ever! The car was delivered on XX/XX/2021, with bad breaks, missing floormats, a malfunctioning sunroof, and broken parts to the windshield. Carvana says they have a 7day guarantee or money back option. I've been attempting to get the windshield fixed since the first week of having the car and Carvana has constantly provided wrong information since I have addressed this concern. I have requested for a manager to call back and I'm still waiting on a return phone call. I'm sure that Carvana knows about the Lemon Law however they don't seem to abide by the Lemon Law regulations since they have failed to inspect the car prior to delivery. Carvana has also given me the runaround for about three weeks with going back and forth with XXXX XXXX ( auto warranty ) knowing that the issue was due to lack of inspecting. The car dealership is expecting a payment of $ XXXX for something that should have been inspected by Carvana . I would NEVER recommend anyone to purchase a vehicle from Carvana. Carvana only wants your money and they do not care about their customers. This seems to be a trend that they have. I know someone personally who has had the same exact challenges as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: AR

Complaint narrative:
On XX/XX/2021 I checked my credit report and noticed that Nationstar/Mr.Cooper has not reported my mortgage payments to the credit bureau from XX/XX/2021 until XX/XX/2021. I called the XXXX XXXX credit reporting company and spoke with one of their agents and told them the balance on my mortgage account is incorrect. The correct balance as of XX/XX/2021 should be {$22000.00}. My mortgage is current and in good standing. 
I filed a dispute with the XXXX XXXX agent and she said the compliant has been sent to Nationstar/Mr.Cooper. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: EQUIFAX, INC.
State: NH

Complaint narrative:
Credit reporting agencies are in violation of the law for reporting inaccurate and misleading accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
In early XXXX, Fortiva misreported my account which damaged my score and report! This has been partially resolve but after three and one half months my scores remain unreported to both XXXX and XXXX. Given a XXXX credit limits the impacts my credit for both bureaus! I have repeatedly contacted them but they remain unmoved! My last response from them was they sent something XX/XX/XXXX but they lied for 2 months about having made contact which they had not!! 
A few yeasts ago, I had to contact CFB, as Fortiva would not send me money as they kept allowing fraudulent charges. You helped me to resolve the problem and hope you can do so again! 

Thanks , XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Va XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report and this company has VIOLATED ME MULTIPLE times under the FDCPA, no consent to having unauthorized use of my information or social security number is identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. This debt collector has violated me under 15 USC 1692g by not validating the alleged debt as the natural consumer ONLY I can validate any debt and several other violations against me and my character. I demand this alleged debt and any of my information that was fraudulently obtained be deleted.

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
According to our loan payment history with Lakeview XXXX, ( history attached ), our {$80000.00} principal payment finally applied on XX/XX/XXXX lowered our loan to less then the 80 % LTV ( see attached LTV record ). 

I say finally above, because this payment made it to Lakeview XXXX, thanks to a previous complaint ( see closed complaint XXXX for more details ) which should have had the {$80000.00} principal payment applied at the end of XXXX, not XX/XX/XXXX, and to our previous loan provider XXXX XXXX loans. 

This LTV of less then 80 % would have allowed us to have our PMI dropped with XXXX, who then sold it to XXXX, who then sold it to Lakeview which is where this complaint begins. 

On XX/XX/XXXX I paid {$100.00} to have our home appraised to have our PMI cancelled. They said it would take 30 days ( it is now XX/XX/XXXX ) and there has been no appraisal and no PMI cancellation progress. We have been paying unnecessary PMI since at least XX/XX/XXXX, for now 5 months @ {$78.00}. 

I just spoke to Lakeview yesterday, XX/XX/XXXX and they said to be patient.

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 2021-10-21 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: OH

Complaint narrative:
On XX/XX/2021 I XXXX XXXX received a letter that as of XX/XX/2021 the following accounts were verified but Transunion didnt provide their investigation process. Nor did I receive validation of debt from ANY of the debt collection companies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TRANSUNION has denied me of my rights of providing me with their investigation process. 
TRANSUNION has denied me of my rights to a fair and accurate credit file. 
TRANSUNION has continued to report fraudulent accounts they know are unverifiable. 

I have sent TRANSUNION a AFFIDAVIT of TRUTH and FACTS which they have assumed ALL FACTS to be true since they have failed to respond. 

TRANSUNION has denied my request for removal of all fraudulent accounts and inquiries on my credit file. 
TRANSUNION has committed fraud themselves and continues to willfully report unverifiable alleged debt. Continuing to cause me great harm and stress! 


I have disputed 3 times with TRANSUNION and they continue to infringe on my rights and deny me of my rights provided by the FCRA. They have also assumed my Affidavit as truth.

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: HI

Complaint narrative:
Unacceptable business practice from US Bank. US Bank placed a lender-bought wind insurance retroactive for XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX. 

When I called US Bank and spoke with the representative to question if they require wind or hurricane insurance, they could not answer me. The first letter I received from US Bank stating they required hurricane insurance was on XX/XX/XXXX and I bought hurricane insurance on XX/XX/XXXX ( next business day ). US Bank did not refund my full {$5600.00} and refunded {$4300.00}. US Bank 's stated in their letter that on XX/XX/XXXX a representative told me on the phone that I needed hurricane insurance on when I called their customer service line. What kind of unacceptable communication from a bank is this? 

I remember calling a US Bank representative on XX/XX/XXXX and he said they will not refund me and hurricane is required. I asked him if he can send me a letter from US Bank stating that I need hurricane insurance, he said he can not send me a letter. Then I talked to another US Bank representative after XX/XX/XXXX, and the representative did not know whether or not I need hurricane insurance or not. She said she would get back to me by voicemail after she speak with her supervisor, but she never got back to me. 

The first written letter I received from US Bank that stated I need hurricane insurance was on XX/XX/XXXX, and I purchased the insurance on the next business day XX/XX/XXXX. I am requesting the the remainder amount {$1200.00} of the lender placed insurance to be refunded due to US Bank 's poor communication and multiple confusing letters asking for wind insurance, which I had. I received the first letter from US Bank on XX/XX/XXXX ( through the complain on CFPB ) asking for hurricane insurance and purchased hurricane insurance the next business day. I request refund of {$1200.00}. As a borrower and consumer, I was not trying to avoid insurance or under coverage. US Bank had poor communication and no clear written notice to borrowers. They had poor customer service, they refused to acknowledge their confusing letters and did not provide written communication to borrower when asked.

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 2021-10-21 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: NJ

Complaint narrative:
On XXXX XXXX TransUnion added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.

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 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
Credit reporting agencies and collection agencies are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert A. Schuerger Co., LPA
State: NY

Complaint narrative:
Mr. XXXX XXXX, in a letter dated XX/XX/2021, created the impression as an agent acting on behalf of the Ohio Attorney General and as a practicing attorney in the state of New York. Mr. XXXX also created the impression that a default judgment would be made against me by the state of Ohio, if I do not contact him. Mr. XXXX made clear he would use any information I provide against me, if I contact him. 
Most importantly, I never owed such debt, never used the name appearing in the letter, never was associated with any person with the name appearing in the letter, and never, in any manner, was associated with XXXX XXXX. 
Mr. XXXX predatory practice is chilling. It is particularly onerous when targeting minority communities, members of which are often immigrants and are unfamiliar with the American legal system and their rights. 
I hope the agency will take action to protect vulnerable communities. I am outraged because I can imagine an old XXXX immigrant lady in XXXX XXXX receiving such a letter. It would deeply worry her and she may settle to pay a debt she never owes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation