vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: EarnUp Inc.
State: VA

Complaint narrative:
I use a company called EarnUp to take a biweekly draft from my checking account and once a month send the payment to my mortgage company. I am paid biweekly which means 26 paychecks per year. Twice a year EarnUp will deduct a third payment and send it as an extra principal payment. This is roughly {$1000.00} that is sent as an extra principal payment twice a year. The third deduction occurred in the month of XX/XX/XXXX. They deducted a payment of over {$1000.00} on XXXX, XX/XX/XXXX and XX/XX/XXXX. I checked my mortgage statement and discovered today, XX/XX/XXXX that EarnUp still has the extra principal payment of over {$1000.00}. I called the company and was told that they will not send it until XXXX 's payment. EarnUp is holding on to an extra {$1000.00} for 2 months when they can easily release the payment and send it to my mortgage company. I expressed this to the rep and was told they will not release it until the XXXX payment. I have a big problem with this business practice and feel that it is highly unethical to hold a customer 's money for this length of time. At the end of the day, it is costing me extra interest because they additional principal payment made on XX/XX/XXXX is held for all of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding got a default judgment against me XX/XX/2019, for an unknown debt. 

Four years later, with no notification and without giving me the legally required time to make a payment in lieu of garnishment, they sent a garnishment notice to my employer. 

I received nothing at all from Midland in four years regarding this debt, so I assumed it was paid off. 

I have no idea what it's even for. It is not even on any of my credit reports. 

This is going to leave me unable to pay my basic living expenses. 

They additionally added an extra almost {$400.00} to the judgment amount, without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
I need you to look properly at the documents that I've to understand what happened to me and my credit 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 2023-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I applied for a HELOC loan with this financial institution whom Ive had a checkings account with for a little over 20 years. My credit score, my debt to income ration, and anything elses needed to meet the requirements for the loan amount I applied for was met. As I reviewed all of the criteria PRIOR to me applying. When my application was received I was told 2 different things by 2 different loan officers. When I spoke to loan officer assigned to me, I was told my income could not be supported even with 3 years worth of W2s and being told I can only qualify for a XXXX loan when I make XXXX per month. Nothing seemed to add up or make sense. I was told I needed an in person appraisal because it had to be done with certain applicants. Being a person of XXXX, this lead me to believe I was being discriminated against. I notified the loan officer of my complaint and even submitted my complaint to financial institution and I received a generic reply back from the loan officer. There is too much data and factual information and research that proves majority of people of XXXX are denied loans, expected to jump through hoops, and are denied loans more than XXXX  Americans. I want the underwriters of this financial institution investigated.

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 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I have met the requirement under PSLF. For the last six months, I keep being told that my most recent employer, XXXX XXXX XXXX in NJ, is in " adjudication '' and Mohela can't give me any more information and tell me there is nothing I can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
I Disputed this account validity with CFPB debt collection agency agreed to remove account from collection reporting it was removed from XXXX and XXXX but has not removed from transunion I have submitted a Disputed with them and refuse to remove it this is illegal and going against my consumer rights please delete immediately I have attached photos of the collection agency agreeing to remove and how transunion is still reporting.

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 2023-05-05 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: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: NJ

Complaint narrative:
Frontline Asset Strategies is attempting to collect a debt from me by XXXX. In early XXXX, I returned a newly purchased phone ( phone purchased within one week ) to XXXX due to issues with the new phone plan. I contacted XXXX, who stated I was able to return the device. I was then sent a return label by XXXX XXXXo have the phone shipped through XXXX. I delivered the phone to XXXX, who then accepted the package and shipped it to the XXXX headquarters in Texas. After several months, I was contacted by a debt collection agency stating that XXXX never received the device, and I now owe them {$790.00}. I was never contacted by XXXX  stating the device was not received. I then contacted XXXX  and received an email confirmation from XXXX stating the device was dropped off & received at the XXXX Texas location XXXX I was then continued to be contacted by the initial debt collector XXXX XXXX regarding the debt, even though I provided them with written confirmation that XXXX had received the device. I finally disputed the debt through the credit companies, and it was determined that the debt was invalid due to fraudulent charges. I am now being contacted by another debt company, Frontline Asset Strategies, that is stating XXXX states debt is still valid. I am now being told that it was not only the device but additional charges on my account ( my account was cleared before I stopped service with XXXX XXXX I was not sent a billing breakdown of the {$790.00}, only a statement showing I owed that amount ( no information or itemization of what constitutes the debt amounts ). When I have tried to speak with Frontline asset management, I am told various reasons as to why the debt is valid, including I was with XXXX  since XXXX and I was not allowed to return devices, that it was from a past bill, that XXXX did receive the phone, but they can not find it in their warehouse so it is my responsibility, etc. I continue to be harassed by XXXX  regarding this debt, although I returned the device and have confirmation from the shipping company it was returned. XXXX and the debt companies refuse to give me a breakdown of why I owe this debt, and I continue to get random reasons as to why the debt is valid every time I speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MD

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was contacted by who I thoght was Bank of America about someone opening an account in my name. I believed I was dealing with the Bank of American when they asked to me to send a payment of {$3400.00}. Once I realized that the caller ID, which showed the call was coming from Bank of America and was the proper phone number, was not correct it was too late. I contact the Bank and they took my complaint and said I would probably not receive my funds back even though I truly believed I was dealing with the Bank.

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 monetary relief
Consumer complaint received 2023-05-05 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: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I was went to XXXX website and saw announcement that a CFPB Order thatrequiresXXXX LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to XXXX XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above XXXX starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for 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 2023-05-05 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: GA

Complaint narrative:
This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.

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 2023-05-05 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: PA

Complaint narrative:
I wrote 3 letters and mailed certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three credit bureaus indicating that were reporting incorrect and invalid information and unverified accounts on my credit report. I have requested the three credit bureaus to update all true and correct information regarding 1 name on my account, 1 address, and 1 employment. I have requested all three bureaus to remove all non-holding accounts inquiries over 30 days. I have asked all 3 credit bureaus in these letter to provide the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor, and the documentation that was used to verify the dispute. I have not received any information, documents, or proof to my request on these unverified accounts. I have also reached out to the creditor companies on XX/XX/XXXX via certified mail and a few have responded but have not sent in the requested information to verify the accounts such as an application with my signature, bond, or an agreement for any debt.

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 2023-05-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief