vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Around XXXX of 2021 I closed my XXXX XXXX account, I took the equipment I had of their to the XXXX store ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX and closed the account. The person at the counter said the account was closed and all equipment is turned in and I owe nothing. About week or so later I received a bill stating I still had equipment, I returned to the same XXXX store and the person at the counter stated, all equipment had been turned in and that my account was closed and paid in full when closed. Then XXXX sent me a bill for the month of service when they said I had equipment that I didn't have and the XXXX store confirmed. I spoke to a lady over the phone from XXXX and told her this and she got angry and rude, I told her I didn't owe anything, that all equipment was turned in and the had been closed. She said she'd elevate this and hung up on me. A year plus had pasted and the Amsher Collection Services sent me a bill for the closed account XXXX XXXX XXXX XXXX plus their fee. I contacted Amsher Collection Services and told them that I didn't owe anything and they stated they'd check with XXXX XXXX and XXXX immediately they sent me a bill stating they checked and XXXX said I owed them. XXXX XXXX XXXX XXXX owed {$49.00} and Amsher Collections states I now owe them {$59.00}. I don't owe either. I have tried to resolve this and no one from XXXX XXXX will assist me ( although XXXX did try to get me to become a customer again ). I have filed a complaint with the Texas States Attorney Generals Office against XXXX XXXX XXXX Again, I don't owe either company and never have, This started over a year ago, a False {$49.00} bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: OH

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX  XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX CARD Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2022-08-01 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: U.S. BANCORP
State: ME

Complaint narrative:
I have a business VISA credit card with US Bank. For over 2 months, I have brought to US Bank 's attention that I am unable to pay my credit card statement balance using an external bank 's checking account. I receive technical errors when attempting to add the bank 's info stating that I have already added the bank account and it is ready to use. Unfortunate, that bank is NOT added and I can not use it. Therefore, I am being charged interest on my balance because I can not pay it. No one has ever offered a solution that worked. Nor has anyone set up auto pay for me, nor offered. No one has offered to take payment over the phone. I am only advised to " try this '' option online. Then it doesn't work, and I not only have a late fee but an interest charge. US Bank 's inability to process a payment and/or assist their customer 's with technical support is costing me, the consumer, money and MAKING them money.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX XXXX on my pnc checking account, there was a charge for {$68.00} to XXXX  XXXX  that overdrew my bank account by {$46.00}. Later that day I made a {$50.00} transfer from my savings account that put my account back into the positives at {$3.00} and pnc bank charged an overdraft fee anyways even though their policy states that if the account is brought back to positives by the end of the day, no fee will be charged. They refused to refund the fee. 
From XXXX to current day, the account accumulated XXXX overdraft fees totaling at {$3600.00}, that would not have happened if that {$36.00} fee would have been removed. If that one fee on XX/XX/XXXX was refunded, and my account balance was adjusted correctly, XXXX of those fees equaling {$3600.00} would never have happened. 
They did agree to refund XXXX of the overdraft fees totaling at {$460.00} on XX/XX/2022. However they refuse to refund the remaining XXXX fees equaling {$3100.00}. 
We are somehow expected to feed our XXXX children and pay all our bills with no money because the bank refuses to correct an error. 

When I first opened my account, the overdraft policy was never explained to me. I signed their overdraft policy thinking it meant it would protect you from overdrafting your account but it wasnt until last week when an employee explained it to me that it does the opposite. 

We are trying to get our finances straightened out and its really hard to do when the bank took all our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
OPORTUN/PROGRESO FINAN has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # Bankruptcy XXXX Bankruptcy 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 2022-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
For the last year I have been trying to get in touch with the Public loan forgiveness department under fedloan servicing. Fedloan servicing is the worst loan servicer and company I have ever had to deal with it. I want more information on how to get more credit for months when I was working at XXXX and when I ask an agent to speak with the Public Loan forgiveness department, they place me on hold for two hours and hang up on me as soon as someone picks up the phone. I have not been able to reach anyone for over a year to ask about the PSLF waiver update and how to be able to use it. Specifically the PSLF department at fedloan servicing is not responsive. Today on XX/XX/22, I called again and after over an hour of waiting on hold for that department, a horrible customer service representative answered the phone and refused to identify her name and refused to even confirm that I reached the correct department. 

It is very difficult to get the full advantages of being in the public loan forgiveness program when customer service in that department at fedloan servicing is so unhelpful and it is not possible to get any information. This representative was very nasty and refused to give me her name. However in general it should not be so impossible to get in touch with someone from this servicer. They are not helpful with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX DEPARTMENT OF EDUCATION Accounts # 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Nothing has been corrected, copies has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: NC

Complaint narrative:
Sezzle is a company that has an app that lets you make charges and pay them back in four payments. Each one is spread out by two weeks. You can post pone them as well for a few. 

Sezzle has been great for a year or so. Suddenly they show up on my credit report as if they gave me a one time loan of {$2000.00} and I have been making XXXX XXXX monthly payments to them for it. This is not accurate at all and is not how they operate. No other pay in four company ( XXXX, XXXX, XXXX, etc ) shows up like this either. There is not a set amount they gave me at once and no one time monthly payments I make back to them. 

For example if you buy something for {$20.00}, you pay {$5.00} up front and pay them back {$5.00} in three payments over six weeks, theres no set in stone lump sum as they have reported to the credit bureau. 

I had multiple payments set up but not for this amount. 

My issue is on top of this, out of nowhere they reported I missed one of these imaginary payments that dont exist and ruined my credit. I immediately repaid everything I owed them and closed my account. This was over two months ago now. 

I reached out to Sezzle and got an email apologizing and saying it can take three weeks to update on my credit report and it would be ok. 

Now like another slap to the face they have reported a second late repayment for these nonexistent amounts, after I paid them back, and cant sign in to prove it Im stuck now and really need help, since apparently they can continuously do this to me each month and I cant defend myself. 

I have attached some receipts to show examples of how they are paid back, as you can see there is no once a month {$200.00} payment I owe to them as reported on my report by them. Its cut into sections with no set in stone date. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On Saturday XX/XX/2022 Credit Acceptance Corp contacted me via email and via website at XXXX in attempt to collect a debt. That is a violation under 15 USC 1692 c ( a ) ( 1 ) and 15 USC 1692d and is a fine of {$1000.00}. I have screenshots from Saturday XX/XX/2022 at XXXX of the time the notifications via email and the message sent via website.

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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am in the process of applying for mortgage assistance through the XXXX XXXX XXXX XXXX. I am working with a community organization, The XXXX XXXX XXXX XXXX XXXX XXXX, who is currently been awarded a grant to help non-English speaking homeowners, with the application submission and review process. I am eligible per the program requirements but am having an issue during the review processXXXX XXXX review team has submitted a request for an official mortgage balance statement to Mr. Cooper, my mortgage servicer. However, Mr. Cooper has not cooperating and the review process is currently at a limbo. I have made several attempts to contact Mr. Cooper directly, and they have not been cooperating. XXXX has told me that they can not reach out to the loan servicer directly. My case number with XXXX is XXXX. My loan number with Mr. Cooper is XXXX. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Given the increase in the value of my home, I requested to remove private mortgage insurance ( PMI ) from my monthly payment. The first request was made the first week in XXXX ( XXXX to XX/XX/XXXX ). I was told the letter would be mailed within 10 business days but I could request the letter be emailed to me in a week 's time ( XX/XX/XXXX to XX/XX/XXXX ). After calling in a week, I was told that the request for the letter to be produced was never confirmed. I was given the same timeline. I called again on XX/XX/XXXX and was told the letter has still not been produced. I was ensured that I would receive the email by XX/XX/XXXX at the latest. I called again on XX/XX/XXXX and was told that the letter was still not produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, On Friday XX/XX/XXXX I received a phone call from someone saying that they were from Citibank fraud prevention explaining that my bank account had some fraudulent activity and they needed to verify the information so that they could resolve the problem and protect my assets. They explained that there was an attempt to use my debit card in XXXX and asked me if I had been there or if I was there at the moment, to which I answered no. They proceeded to verify my current address, my previous address, asking me if I had made some transactions with specifics dates and amounts. This transactions where correct. After asking all of this questions they said they were sending a code for security reasons, and that to verify my identity I needed to read it back to them. 

I never provided any personal information, bank account, social security number or username. 

After the call was over I decided to check my account and noticed that I had been locked out of it. That is when I called the bank, the bank notified me that there had been a wire transfer done to a XXXX XXXX  account. I notified the bank that that transfer was not done by me or authorized by me. 

The account number is XXXX. 

The case number from Citi is XXXX. 

The account to where the money was transferred is XXXX account # XXXX Belonging to a XXXX XXXX Routing number XXXX Police case number is XXXX FTC Report Number XXXX On XX/XX/2022, I spoke on the phone with XXXX team number XXXX, she instructed me that I have to get an affidavit signed with my information and that should be done in the branch. This is the first time that someone fro the bank has instructed me to take such action, even after I went to the branch to open a new bank account and brought a letter explaining the events that led to the fraudulent wire transfer. 

I have also been informed that they ( Citi ) are waiting on XXXX to return the funds. XXXX has asked the perpetrator ( scammer ) to return the funds. 

Thanks 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 2022-08-01 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: DE

Complaint narrative:
On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or Experian credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.

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