vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TX

Complaint narrative:
In 2018, I cancelled service with XXXX XXXX XXXX XXXX XXXX ) for television service. I boxed the equipment and attempted to get XXXX XXXX to send me a return address for their equipment. I called them at least once a month for six months and was told they either had a shortage of return packaging, or they would send a return label, but they never provided the information. They then charged me {$190.00} for the equipment. I did not pay for it because I did my due diligence in attempting to return it as they requested and I have absolutely no need for their equipment when I don't want or use their service. They now keep selling the debt to other collection agencies and it keeps getting put on my credit report. XXXX removes it each time I dispute it with the facts. TransUnion has removed it in the past when it was a different collection agency, but has recently put it back on under XXXX XXXX XXXX ( whom it was sold to from a different collection agency ) and now saying it is accurate. I have attempted to resolve this with TransUnion and they won't fix it. 

I can assure you if the debt was legitimate, I would have paid it, but XXXX was uncooperative with the whole situation and I don't feel this should be on 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 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NV

Complaint narrative:
On XX/XX/2022 at XXXX XXXX  I received a phone call I allowed it to go to XXXX went to hear the voicemail abcs it was a collection agency! Thus agency has been constantly calling before XXXX XXXX  my time I called back. Advised the agent that I needed to speak with someone who is in charge of these phone calls or Who I can report this to she then proceeded to argue with me saying we dont open till XXXX so we couldnt call you if we wanted to I explained to this rude representative that I have proof and to not argue with me seeing as i am a consumer or customer with a legitimate complaint she transfers me over to someone pretending to be a manager shes then rude to me as well you dont want to hear the facts we call because you have XXXX XXXX XXXX number I explained that was irrelevant and to pay attention to accounts that populate weather my number is XXXX XXXX or XXXX its not okay to just run with whatever! Shes then proceeded to continue to argue with me XXXX which at that point I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NY

Complaint narrative:
I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on 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 explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I was contacted by Convergent XXXX to inform me that my phone bill was delinquent, however this debt was cleared shortly thereafter due to an accounting error. I reached out to the debt collection company via the email address on the written notice they sent me, # XXXX, and I did NOT get a bounceback/mailer daemon failure, so I assume it was delivered. Upon requesting further information to confirm this debt as well as requesting confirmation that my case has been updated/closed to reflect the state of my debt no longer being valid, no replies were sent back to me despite me sending emails to them with clear requests and documentation to clear my case. This company did do a satisfactory job of clearly identifying themselves as a debt collector, as well as informing me of my rights to challenge this debt notice, which I have, but they have not followed up on the communication channels provided. It is of the utmost importance to me that I get written verification from Convergent XXXX confirming that my case has been closed/that the debt sold to them to be collected from me is no longer valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I had a Company closed my account in XXXX with a {$0.00} balance. Now in XXXX i received a garnishment XXXX my payroll with {$400.00} to {$600.00} being taken out every two weeks without warning. They said they notified me but when i called the clerk of court, it was sent to an address that i haven't lived at in over XXXXyears. It almost cost me my home multiply times my family was almost evicted which caused me hardships and stress at work. In XXXX the debt limitations for auto loans are 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 at XXXX XXXX  I stopped at XXXX gas station to put gas in my car. I used the pay at the pump option, after I put in my pin the pump did not turn on. It gave me a receipt that said declined insufficient funds. I looked on the cash app app on my phone and it had taken all {$110.00} from my account leaving a {$0.00} balance. I made a complaint with the station and with cash app that day. The station was not forthcoming with any information so i contacted the Illinois Attorney general about the matter with them and they did finally send them the proof that they didn't get the final transfer of money I have been in contact with cash App and they are claiming that they have 45 days to resolve this under the EFTA rules. When I looked at the EFTA rules it says that they have 10 days or 45 days if they issue me back my money after the 10 days. they have not done this and they are extremely closer to this 45 day time period if it is business days. If it is not business days they have grossly missed the deadline. 
I need help dealing with them. It is clear that they feel that they can bend the rules to suit their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
Attached to this message is a XXXX Real Estate Installment Quarter XXXX payment due from the XXXX XXXX XXXX Collector. Per the bill, the quarterly payment is due by : XX/XX/XXXX in the amount of {$740.00}. UHM is the mortgage servicer of record for account number : XXXX. As of today, the escrow account has a balance of : {$2900.00}. Therefore, payment should be made in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc.
State: NJ

Complaint narrative:
I went through XXXX sent my proof and kickoff the credit card company says their information stays the same. Since XXXX I've been following the protocol to fix my credit due to as an youth name used for fraud also which XXXXXXXX XXXX XXXX was very helpful. Since XXXX I've been protecting my personal information. I've build my credit up XXXX through XXXX. Currently my score has dropped by almost 70 % my information along with my XXXX son 's age XX/XX/XXXX information was also taken my phone camera someone around me has done in XXXX of XXXX I've contacted gov identity thief which none has contacted me. May I please get the assistance or forward to the right direction. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Entered into a forbearance around XXXXXXXX XXXX and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX XXXX score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - XXXX, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX XXXX XXXX. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NY

Complaint narrative:
I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on 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 explanation
Consumer complaint received 2022-06-03 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: NY

Complaint narrative:
I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SPRINGOAKCAP is attempting to collect as 12 XXXX BANK. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
unauthorized credit inquiries on 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 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have a loan with U.S. Bank for my XXXX XXXX. I downloaded the app to make payments and attempted to make payments on time every month, but due to errors with the app I was unable to make payments on time. Over the course of XXXX months, my payments were returned from XXXX separate bank accounts and I was charged a late fee for each failed payment. After noticing my payments had all been returned, I then linked my account to the app to make the payment and the same issue persisted. I was then contacted by US Bank for the first time, by the Collections department asking for payment and giving notice that I had been sent to collections effectively negatively impacting my credit score. I explained the situation to the representative and asked what could be done and she advised that all she could do was waive my most recent late payment fee and pass me on to either the dispute section or app section to attempt to rectify my issue. I filed a dispute with the dispute section but still have not heard anything back to this day. A week passed, I called to pay my debt in full over the phone after not hearing anything back from the dispute section about my complaint. When I told the representative that I was calling to pay my loan up to date, she asked " do you still have the vehicle? '' Of course, I was confused and she told me that my car had been placed on repossession. No notice, no communication at all had been given to me nor had anyone addressed my issue with the app, but they were planning to repo my car. I told the representative I'd like to pay everything up to date and start fresh with no issues. I was given a total, I paid the total and went on about my day. Then a week later, within the same month, I was called again by a representative telling me that I was late making a payment and had been charged a late fee. Apparently the last representative I spoke to only charged me a portion of my current bill, so I was assessed another late fee and behind again and still can not pay through the app.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have 2 accounts with XXXX XXXX Bank. A credit card and an auto loan. I mistakenly sent the XXXX loan payment to the credit card. I called in the minute I realized that mistake. I had to contact Elan Financial as they are the company related to the Credit Card account. The amount I paid was {$6500.00}. I called in on XX/XX/XXXX to have the amount reversed as I don't even have a credit limit that high on the credit card. They told me due to the large amount that I would need to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the representative told me she had reversed the amount and transferred back into my account. She told me it should show up in my bank in 2-5 business days. 
Today is XX/XX/XXXX still not credit in my account. So I call into Elan Financial again and they told me a check had been cut for the amount on XX/XX/XXXX and mailed out on XX/XX/XXXX. 
I was given the wrong information three different times. Meanwhile I am accruing daily interest rates on the auto loan I am trying to pay off. You don t lie to the consumer and you sure don't hold the consumers money hostage. It was not over the Federal Reserve XXXX deposit amount so please help me XXXXget my money back so I can simply pay off my auto loan.

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