vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-23 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
i have an account with chase and my account became inactive so i call and they told me to send a fax requesting to activate my account again and i did i send the fax on XX/XX/2021 but still dont see help now they want me to step on a branch but im in XXXX  and theres no way for me to cross back to USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: PA

Complaint narrative:
I filed a dispute for account balance for XXXX, they came back and put a late payment on my credit history. This account has been charged off since XXXX. I received notification XX/XX/XXXX that there was a new late payment. I tried to email XXXX, the email came back undeliverable. I called them and spoke to XXXX, Id # XXXX. He agreed that a charge off should not go on credit report as a late payment and escalated the call. I am waiting for a call back from him at a later date. I contacted transunion ( XXXX ) who is reporting the late payment and whom dropped my score XXXX points and was told that they don't have anything to do with the late payment. I asked if they were to verify and validate information before dropping g a credit score and placing the information. He said no. I was denied a credit card due to the drop in credit score because of erroneous late payment.

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 2022-05-23 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: IL

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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery Agency contacted me on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding debt collection. 

Their message said " Reply STOP to stop receiving text messages ''. I replied STOP that day in response. 

Despite my text reply indicating that they stop, National Recovery Agency contacted me again on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again, their message said " To stop receiving text messages reply STOP ''. I again replied STOP that day in response. 

Despite replying twice to them telling me to stop, they continued and have now texted me again today, XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again their message included " Reply STOP to end. '' I replied STOP today in response. 

I have now had to request they stop texting me 3 separate times because they continue to contact me via text through different phone numbers. Each time they contact me on my cell phone number, which has remained the same throughout all of these interactions. 

I have asked them to STOP contacting me via text, I would like them to stop and I would like to pursue any avenuXXXX of complaint I have available to me against them.

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 2022-05-23 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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2017 Balance {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

XXXX XXXX : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked Experian to remove a negative item name XXXX  account # XXXX from my consumer report. that does not belong to me. I have sent proof that the creditor sent me where the creditor made a huge Error in reporting inaccurate information on me. Have not heard back from experian at all. I beleive this is a major fair credit reporting violation. please have them delete entire account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Convergent Outsourcing called my phone 8 times just today XX/XX/22 and 11 times on Thursday, XX/XX/22. I never gave Convergent Outsourcing my phone number to contact me, calling without my permission is a violation of my consumer rights under the FDCPA and TCPA. The excessive amounts of calls is also a violation of my consumer rights under the FDCPA and TCPA. My phone number is listed on the do not call list 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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
I have never received services.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: POPULAR BANK
State: NC

Complaint narrative:
I was inherited a home from my grandmother, for she was getting to old and unable to care for herself, bills and living alone. So, me and my family took care of everything for her as grandma requested. A Heloc mortgage loan was one of her bills from E-loans transferred to Popular XXXX  then transferred to XXXX XXXX Mortgage. 

One day the Mortgage Company called and wanted to speak with my grandma so we had to report that grandma had past and we had been paying her loan for years of only $ XXXX. The mortgage company expressed to me that they would not be able to talk to me since I wasn't on the loan nor could they accept payment from me until they received a death certificate. I sent the death certificate as requested by XXXX and they have not talked to me until we had to go to foreclosure court with their Attorneys.

I have written letters and have made many phone calls as to where to make the payments so we would not fall into default on this loan with no results. I had been paying on grandma 's loan for over 10 years with not one late payment. This company has lied to the courts and said that the loan was in default but this is not the truth they would not accept my payments and they just want my house. I have lately spoken to a gentlemen in loss Mitigation named XXXX XXXX XXXX a foreclosure tech and default manageXXXX but he has stated to me in a email that he will need a copy of the deed to work with me.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation

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 2022-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2022, I entered into a Deferment Agreement with XXXX Mortgage. The agreement was to have all missed payments and fees moved to the end of the loan. I would have to make a payment of {$1200.00} and sign paperwork and send it by email. I signed the paperwork, emailed them to XXXX XXXX, a client service representative. I also spoke with XXXX and made the payment {$1200.00} and received a confirmation number of XXXX. It took more than 14 days for the deferment to process. When I received the first statement after the agreement XX/XX/2022 ( for XXXX payment ) the deferment did not appear. I called and spoke with XXXX and she insured me that once it mailed the deferment would show. When I received the Monthly statement for XX/XX/2022, it didn't. Then when I received the XX/XX/2022 statement it showed the deferment but there was a fee of {$2500.00}. Under item 4 on the deferment it stated that " any late fees will be waived by the Servicer ''. When I contacted Truist with several calls and emails regarding the fees being deferred they said they were fees from XXXX XXXX XXXX XXXX  before the merger. The fee amount changed during the deferment and portions forgiven. Why wasn't the remainder forgiven or deferred?

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 2022-05-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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

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 2022-05-23 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: IL

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 n 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 us 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 n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im 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 2022-05-23 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: IL

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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation

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