vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: FL

Complaint narrative:
I called equifax on XX/XX/2021 and informed equifax I couldnt access my account. Even I verified all my security questions accurately. They told me I answered questions wrong NOT TRUE. Ive attached documents that I sent to them previously that confirm my address Im asking not only the address beginning with XXXX is deleted but that the address is corrected to reflect the address on my license attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE CONTACTED TRANSUNION AND ASKED THEM NICELY TO REMOVE THE INQUIRES THAT WERE NOT AUTHORIZED BY ME NUMEROUS TIMES. I HAVE A TOTAL OF 9 INQUIRIES THAT NEED TO BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THESE AND I HAVE NO ACCOUNT ASSOCIATED WITH THEM. NO CREDIT WAS OFFERED. HERE ARE THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AS YOU CAN SEE SOME OF THESE ARE ON HERE NUMEROUS TIME. I AM ASKING THAT THIS BE LOOKED INTO IMMEDIATELY. THANK YOU IN ADVANCE.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MO

Complaint narrative:
For the past 3-4 months I have noticed on my credit a amount owed to Hunter Warfield LLC of {$2400.00}. I have filled multiple disputes with the credit bureaus most recently XX/XX/2020 XXXX. The company has never informed me of accurate information that would make me responsible for this account. There is no documentation, bills, or any information that has been provided to me. This is not my account/responsibility and this should be removed from my credit reports. This continues to cause significant challenges to me and my credit in a time of pandemic, preventing me from obtaining services needed.

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 2021-02-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I traded in my vehicle on XX/XX/2020 and immediately XXXX XXXX XXXX was notified and XXXX XXXX XXXX took possession. There is some obligation between XXXX XXXX and XXXX that is operating outside of my deal to trade and the vehicle is still not paid off. The dealership states that XXXX XXXX owes them {$60000.00} so they refuse to send in a check to pay off the vehicle. XXXX XXXX states that dealer services is handling it ... they are not doing collection calls YET they reported me late to the credit bureaus dropping my score 109 points. The dealership also listed the vehicle within days so whatever issues they have with each other ... I am the one being negatively impacted. In addition I am owed a refund for a warranty service plan that XXXX XXXX mandates because I cancelled immediately on XX/XX/XXXX when they opened. I have a contract showing that this vehicle was traded in. Trust me if XXXX XXXX even thought I had this vehicle they would have shown up to repossess it. XXXX of XXXX is culpable also. Two companies that I hope to NEVER do business with again. Unethical, predatory and disingenuous is just a few words that describe these companies.

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 2021-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: IN

Complaint narrative:
Optum Bank is the custodian of my HSA. I can not access online as required-the account remains locked after several days of active effort by phone. Five years ago also, but I gave up, not needing the funds. 

{$1800.00} is available but not the {$150000.00} in " investments ''. 

I am XXXX yrs old possibly in cognitive decline. I've not learned to use computer well. All I need is reasonable accommodation.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I lost my job last year due to the covid-19 hence I have to cancelled my auto insurance as I could not afford it. I received email from XXXX XXXX XXXX that I owed them an amount of $ {$2500.00} due to the cancellation. I responded by mail that I could not afford the total amount but will pay an installment of {$50.00} a month which they did not reject but accepted the offer by has been cashing the checks I have been sending to them every month. ( Implied agreement XXXX They have violated the terms of the agreement by sending me to be collecting agency and without any notification from the collecting agency they have also reported me to the credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: URS Holding, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I was awakened at XXXX XXXX to a recording by a message left by XXXX XXXX at XXXX XXXX central time stating that he was an attorney and he was going to sue me. 
I checked with the state bar association and found out XXXX XXXX is not an Attorney it appears that he is merley a debt collector with Altran Financial When I was checking my credit reports which I often do I discovered that Altran Financial pulled my credit report without my permission that in itself Is a violation. When I contacted Altran Financial regarding this matter The representatives who answered hollered at me using offensive racial Slurs. Also they contacted me on my cell phone which is a violation of The Telephone Consumer Protection Act.

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received notification that itinerary XXXX booked via Chase 's XXXX Rewards portal had a schedule change made by the airline of greater than 4 hours. On same date, I called to determine options for cancellation of this itenerary and was advised that I could cancel and request a refund from the airline, which I did and is also the subject of a Department of Transportation complaint case # XXXX. Today, on XX/XX/XXXX, I logged into my Chase Account to determine the status of the refund, and wish to note that the airline has refunded the monies paid via an airline credit, which is not what I agreed to at the time of cancellation ( cancellation was a result of the airline scheudle change ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I was CITICARDS CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to XXXX pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Today I called Rocket Mortgage to make sure going forward to XX/XX/XXXX they mark my account to only put payments towards Principal since this I don't owe any monthly payments till then. This bank seems to collect money on interest that didn't happen yet. I have been paying $ XXXXweek automatic payment from my bank. Rocket Mortgage only has an option of paying monthly or biweekly so therefore in order to make sure my payment gets there I make sure to have in place an automatic withdrawal the day I am paid so I don't overspend. 
On multiple occasions I have called in to Rocket Mortgage and they have magically put in the computer to put all money sent to them into Principal only until I hit the date my mortgage is due which usually is several months in advance. Since inception I have paid weekly paying more than I need to pay each month. Instead of having the extra go towards principal they stick it towards the next payment. When doing so I have been paying months of payments ahead of schedule and the bank has been keeping the interest. If I don't owe a mortgage payment till XX/XX/XXXX why in XXXX did they collect interest on XXXX, XXXX, XXXX & XXXX BEFORE it has happened. These banks are collecting interest when all additional $ $ should be going towards principal. Because their app and website only has 2 week and monthly options people like me that get paid every week do not have the option of sending weekly unless they go thru their local bank. I am sure if you look back Rocket Mortgage has collected lots of interest they didn't earn. All previous occasions the bank was able to have all money go towards principal until now. Very upset banks get away with this. They should be held accountable for collecting interest and making money on us. If you look at my attached bank transactions I called to them on XX/XX/XXXX and asked that they make sure all payments go towards principal since I was ahead in payments until my next payment that was due XX/XX/XXXX and did it again on XX/XX/XXXX till I owed a payment on XX/XX/XXXX check my attachment I highlighed in yellow!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: DE

Complaint narrative:
Back on XX/XX/2020, I was offered a loan by LendingPoint, the loan was for {$17000.00}, once the loan was approved I was told that there was a charge of {$1500.00} for admin fees, which it was not explained to me, anyway I proceed with the loan and on XX/XX/2020 I tried to pay off the loan on which I already had made the XXXX payment, I made a payment of {$17000.00} and then I was explained all the fees and charges which when I asked the lady the amount to pay off she told me {$610.00} and some change to pay off which I paid then she proceed to cancel my autopayment which it did not happen, in XXXX I notice an auto payment of {$500.00} to LendingPoint when I called they told me that I still owned money did not tell me the amount but that the {$500.00} was the monthly due and so I asked how much was owned and why no one reach out to me about that. he said that to pay it off I still have to pay another {$8.00} and some change, I explained that I was told different back in XXXX and that I thought the account was pay in full already, I was not expecting that extra payment in XXXX which financially put me on a bad situation. I will like to get some clarification on it and about the interest why to high and why I was not provide with the correct information, again I got XXXX financially for the month of XXXX since I was not expecting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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:
I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX XXXX  - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXXXXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX  - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times 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 2021-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, My name is XXXX XXXX. I am XXXX years old trying to get gas service at my home in XXXX, Georgia. The gas company ( XXXX ) wants to access my Equifax credit report which is now frozen. I contacted Equifax to unfreeze on at least 6 times and I have been unable to unfreeze. They asked me to send letters which I did XXXX twice ) and filled out online request and finally received a letter from Equifax with a verification code and instructions to go online to their web site to complete the enrollment process, which I did, This site again referred me to call customer service XXXX which I did. They again asked me to send a letter, and when I demanded to speak with a supervisor they hung up on me ( twice ). This has been going for a month and Equifax is unwilling to unfreeze, and the gas company will not provide gas service until Equifax unfreezes. PLEASE HELP ME get this issue worked out. If you call my number and get an answering machine, please announce yourself and wait for me to pickup. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I moved into an apartment with my ex bf when I signed the lease it was stated that I had no income and would not have any for the next twelve months. My ex moved out 3 months early and now they have sent the account to collections thats preventing me from moving. I have asked them to validate this debt numerous times in the past two months and I still have received no documentation since around XX/XX/XXXX when I disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent and individual money, totaling {$730.00} to purchase an item using my bank USAA through XXXX. The individual never sent the item and never refunded the money. Multiple attempts were made but none resolved with that individual. I went through USAA and XXXX to dispute, but was told it could not be resolved due to XXXX being only a transfer service. I'm not sure I understand why no protection is given to the sender. In modern times you have insurance for everything why is this any different? 

Criminals are given a free pass using this system. As a bank ( USAA ) and a transfer company ( XXXX ) you enable it. Make the effort to incorporate some type of fraud protection or paste a bright bold banner on your app stating " send at your own risk ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
XX/XX/2021, PayPal, {$950.00} and {$2500.00}! My credit union stopped payment on the {$2500.00} and disputed the already paid {$950.00}. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX! PayPal refused to stop the payment on their end after 6 attempts to complain and filed a claim of fraud! The people trying to defraud me are XXXX XXXX ( XXXX ( XXXX ) XXXX, XXXX ), XXXX XXXX ( XXXX, money sent on PayPal ) , XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) used priority USPS mail to send fake check ( tracking # XXXX )! Car Wrap job scam! I have also filed a complaint with the consumer protection agency ( reference # XXXX ) and with the USPS inspector general ( reference number is XXXX XXXX XXXXXXXX )! PayPal is refusing to stop payment on these transactions even after my credit Union said they were fraudulent! Case # s ( {$950.00} dispute Case ID : XXXX ) ( {$2500.00} Dispute Case ID : XXXX )!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are some inquiries on credit reports which I do not no about, it may be potential fraud and I wrote dispute letter to the credit bureau and and they don't correct it, I want all the inquiries that I do not recognize removed from my credit report. 
Transunion, XXXX and 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 2021-02-10 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: National Auto Lenders, Inc.
State: FL

Complaint narrative:
In XX/XX/2021 requesting national auto lenders to validate debt because I have no knowledge of this account the company neglected to provide me with any documents they basically ignored my letter which is very disheartening. The company is allotted no more than 30days to validate the debt failure to do sure means they must delete this account. However, this company is still reporting this account on my credit report please help. By the way Ive also included a copy of my certified mail receipt indicating letter was sent

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 2021-02-10 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: TX

Complaint narrative:
Receive a responds stating my dispute was verified. I requested a Method of Verification and it was not provided. I have proof from the courts that they don't provide any proof to credit agencies and they informed me although it's public records the courts do not report to any agencies. I was informed by a representative that your agency do receive files from a 3rd party vendor.

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 2021-02-10 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: RFNA, LP
State: GA

Complaint narrative:
Republic Finance # XXXX I have sent XXXX  and Republic Finance several letters over the last XXXX months in XXXX and even one in XXXX of XXXX requesting validation of a debt. I included my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. I sent at least 6 letters to XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX starting on XX/XX/XXXX requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. Moreover this account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Republic Finance has been re-aging this account which is a violation of my rights. XXXX  has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me? 

Again, I previously submitted letter after letter to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.

Company response to consumer: Closed with explanation