vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one took advantage of my low credit score and is charging me XXXX  % interest rate on a used car. My payment are way to high and i fell behind and its now reporting as a charge off to credit bureau but i still own the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
I was contacted by a debt collection company collecting for Check into Cash in XX/XX/XXXX. I was informed of an outstanding debt of XXXX and entered into a payment agreement with the debt collection company. In XX/XX/XXXX I received documentation that the debt had been paid and that the issue was resolved. Since this point, I have had XXXX other companies reach out to me to collect on this debt. The latest was on XX/XX/XXXX. I feel that Check into cash is selling incorrect information to XXXX-party vendors for debt collection purposes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022, my Chase bank account have received unexpected REFUND from XXXX XXXX on the amount of {$9500.00} ( PPD ID : XXXX ). This transaction was immediately REVERSED back to XXXX XXXX. Please see enclosed proof from Chase Bank that REVERSED transaction went through to XXXX XXXX ( page XXXX, marked as # XXXX ). 
But XXXX XXXX didn't received this amount. Attached is a copy of my credit card account that shows only CREDIT REFUND on XX/XX/2022 but not RECEIVED money back. 
Please investigate with Chase Bank where this REVERSED money went? 
Since XXXX XXXX didn't get this money, they told me I owe them this amount. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/2015, I allegedly opened a credit card with XXXX XXXXXXXX. The only problem is I was giving birth that day to my daughter. Her birthday is XX/XX/2015. I can definitely provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had signed up for online billing and notifications with my previous mortgage company ( XXXX  XXXX  ) due to my work overseas as a XXXX XXXX XXXXXXXX with the XXXXXXXX XXXX XXXXXXXX XXXX. I've been overseas in various assignments since XXXX, and mailing addresses changed with each assignment, leading to my opting for online communications. XXXX XXXX  apparently sold my mortgage to Truist in XX/XX/XXXX and Truist never notified me of the loan transfer. As a result, my auto-debit payments with XXXX XXXX  stopped stopped without me knowing, and I then missed payments with Truist. I never received communication from Truist. In XX/XX/XXXX, I learned that my credit score had dropped XXXX points due to Truist reporting that I was late on mortgage payments. I immediately ( XX/XX/XXXX ) contacted Truist and found out they were my new mortgage servicer and made a {$7400.00} payment to catch up loan payments and set up auto-debit payments with the new account number I received that day. Subsequently, I requested Truist modify its reporting to credit agencies due to lack of notification of the loan transfer and catching up on payments. Truist refused and sent me a letter notifying me of their refusal. I feel absolutely helpless due to the power that Truist holds over me. I have XXXX other negative marks on my credit history, and this reporting could last for several years, threatening my financial future. Truist has shown no willingness to take the right steps. Thousands of XXXX XXXX XXXX and military personnel working overseas at our Embassies are similarly helpless, particularly as the weak notification attempts ( assuming there were any ) are considered a box checked, without understanding realities of their new mortgage customers, many of whom are their customers not by any choices they made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Incorrect amount being reported on credit report- the account was fully paid off but its being reported as a charge off with XXXX dollars being written off! incorrect data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX submitted PSLF with MOHELA XX/XX/XXXX Submitted FSA Feedback Case because of payment history gap of 48 months XX/XX/XXXX MOHELA secure message stating not qualified for PSLF yet due to not enough qualifying payments. Also, one employer had end date incorrect on employer eligibility form, short on year XXXX. 

XX/XX/XXXX submitted new employee verification form to include the XXXX missing year. 

XX/XX/XXXX added message about payment gap allegedly being due to in school deferment mistake by XXXX. Included upload of transcript to show not in school during that time. 

XXXX?? XXXX transcript of chat with FSA representative ; informed feedback case is being actively reviewed and investigated. 

XX/XX/XXXX emailed Representative XXXX XXXX regarding congressional inquiry of my loan status. 

XX/XX/XXXX emailed Representative XXXX XXXX regarding congressional inquiry of my loan status. 

XX/XX/XXXX Added to Feedback Case request to escalate to the Ombudsman XXXX. XXXX business days since filing complaint. 

XX/XX/XXXX call FSA, representative with ombudsman. Reports complaint is in the queue with MOHELA. 

XX/XX/XXXX call with MOHELA. Representative said she couldn't see payments from the time period and connected with an account XXXX. She was told those payments are under review and I should know something in the summer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Andrews & Cox, P.C.
State: AL

Complaint narrative:
I was notified via my employment that I was having wage garnishment begin on my next paycheck XX/XX/15. However, I have never been served or formally notified in person of any possible litigation action against me. It is my understanding that legal proceedings can't occur without properly being served and notified of such action. Yet, the first I hear of a lawsuit against me was today, XXXX when my company notified me of garnishment. This leads me to believe that somewhere along the lines, XXXX, or this legal company represented by XXXX XXXX ( Bleecker Brodey & Andrews ) managed to improperly get a judgement and wage garnishment against me. I personally have a witness that lives at my current address who vouges for the fact that I was never formally notified properly of any pending litigation against me. 

Having been the executive over large collection and recovery operations for top 25 financial institutions, I believe that somewhere along the path one of these companies is falsifying records of being properly served. And, having been through a number of CFPB reviews while serving as the Collections and Recovery executive in the past, I know this type of behavior is absolutely not supported by the likes of the CFPB. I request that all judgements and actions against the judgement be removed from my records. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I made several calls to them about this account which was charge off over 7 years. 

They report this to the credit bureau every XXXX days which effect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 # XXXX ( XXXX ). Asset Amount is= XXXX XXXX XXXX # XXXX ( XXXX ). Asset Amount is XXXX CREDITORS DISCOUNT & AUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 # XXXX ( XXXX ). XXXX  Amount is= XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NJ

Complaint narrative:
I have been disputing this account for a XXXX  months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global lending service is reporting a charged off auto loan on my credit reports that I have been disputing for some time now. I have sent them a letter over 30 days ago requesting validation of this debt and never received any documents or communication regarding this account. However when this account was disputed with the credit bureaus as well, XXXX found that there was not valid proof for this account and deleted it from my report. If all XXXX bureaus get their information from the same place how is it that XXXX and XXXX is able to verify this debt? How is it that I am left with low credit scores when Global lending service has ignored my dispute? This account should be deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi claims that when I opened an account with Best Buy in XXXX, I agreed to a debt protection program. I was not aware of my enrollment in this program. I noticed the recurring fees for this debt collection program on my statements. I called for an inquiry and was told that XXXX is when I was accepted for the card and agreed to the terms of the debt protection. The fees just from XX/XX/XXXX to XX/XX/XXXX add up to almost {$100.00}. The only response I received was that they would cancel the program. I requested a copy of my enrollment documents and the contact information for who I may ask for a refund of the unauthorized charges to my account. The service representative stated that the information would be included with my enrollment documents that would be mailed to me ; however I do not believe such information will be included IF I ever receive proof of my enrollment. After some research, I see that Citi faced backlash in the past for the same fraudulent practices. In XXXX CitiBank was ordered to refund over {$700.00} XXXX dollars to its consumers. As I have been an account holder since XXXX and CitiBank claims I enrolled at that time, they should have remedied issues such as this in XXXX. I want a refund of all charges related to debt protection on my CitiBank Best Buy credit card account from XXXX to the present.

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