vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Amount : {$170.00} My wife and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. 

Today ( XX/XX/14 ), the agent that call my Wife claimed she the bad credit marks would be removed if she paid immediately and they would leave us alone, then refused to send a letter stating as much in writing. She pushed for it to be sent in writing, and he eventually agreed. 

When I received a call today XX/XX/14, I explained this to the agent, he made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if i didnt pay now, I would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after I said I would be retaining legal counsel. I was forced to hang up. 

My wife called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. 

Imediately after this call, XXXX, then proceeded to call my wife, who, had already received her call under 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. My wife was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. 

My wife then received a text message from Genesis immediately after that conversation. 

I feel this constituted harassment, threats, and illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CA

Complaint narrative:
Experian keeps reporting Bad info. I fix then they added again and this has going on for three years I can not get my credit up unless I let them have Acces to my accounts. So invasive They fixed. XXXX Not mine name or address and still say the verified and that is XXXX its not correct and it not valid They would not delete XXXX XXXXXXXX XXXX XXXX Fraud wrong address wrong name wrong signature And they both say its valid How is this Not my signature fraud by them Now they saying they will do foreclosure on something is not mine but keep reporting Im homeless because of this I have complained so many times and now XXXX a fraud company and criminal are asking to me to pay {$1000.00}. So they would take out of my credit! 

Or the foreclose will go thru and they will put in my credit report That its fraud Its not me its y signature its not my address I even send them a copy of the police report that someone stole my cash box with my identity

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 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
Someone committed fraud with my debit card and credit report. Then i receive a data breach letter from titlemax. Titlemax is guilty of gross negligence. They waited over 90 days to inform me of this data breach. my family attorney instructed me to file this complaint and await a response from title max before we proceed with a class action law suit. Titlemax has offered a 1 year credit monitoring service as if that fixes the problem or compensates me for my NOW decreased credit score and banking issues ive had now due to this. My personal confidential information is now out there forever! No credit monitoring service even begins to correct their gross negligence! I am giving titlemax this one and only opportunity to offer me a more compatible compensation or i will persue this in court. I have also filled complaints with the XXXX the TN governors office in addition to the TN attorney generals office. I just want my account closed my title returned to me and my personal information scrubbed from their system forever! Cut my loan by 50 % ill pay off whats left and that will be the end of it. Otherwise face court fees attorney fees and whatever damages a jury decides is owed. Your call!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were Profiled, Discrimated Against, Mistreated, and Declared Guilty of Fraud without any evidence and told to leave. Unbelievable! 

We were depositing a cashiers check from the sale of a house. Truist bank declared it fraud without doing due diligence. 

Truist declared us fraud without any evidence! The XXXX XXXX cashiers check was good and the funds are still waiting! They charged us a {$96.00} overdraft fee for an account that has never been overdrawn! They have not helped at all at resolving this situation. They just told me I was not welcome at Truist any longer and closed my account. 


Please refer to attachment...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
National credit adjusters has placed 3 accounts on my credit. They sent me paperwork with misspelled name of mine but no proof the debt is mine. This is a check cashing place that I looked up and never used. They refuse to respond timely and can not verify this debt. But refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I filed a dispute with your agency which referenced three ( 3 ) accounts erroneously being reported to my credit report. In response to my dispute i received an auto generated letter dated XX/XX/XXXX which explained that it didn't appear that me or an authorized person sent the dispute letter. This is the second time that you sent me this same exact letter, ( as I also attempted to send in a dispute referencing the same accounts last year ). I'm taking this to be some type of malicious stall tactic in which you do not want to fulfill my request to investigate my accounts. The accounts and reasons I continue to dispute are as follows : XXXX XXXX Government unsecured guaranteed/direct loan with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXI dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account and apply the consumer protections laws afforded under the Fair Credit Billing Act to report my account as having no late payments ( paid as agreed ) ; Collection account from XXXX XXXXXXXX XXXX  with account # XXXX and a balance of {$8900.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$6000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this 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 2023-04-14 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:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit consumer report withholds inaccurate information communicated from Experian, XXXX and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.

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 2023-04-14 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: LEXISNEXIS
State: KY

Complaint narrative:
Lexis Nexis has degratory informtaion on my credit file and i ahve reported. I have phoned and tried to login. How in anyone suppoed to get credit or get above in lifewith adversary remoarks on report that are not true?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
XXXX XXXX is the worst Financial Lender. Incorrect info reporting to the credit bureaus. Status of Account is Voluntary Surrender but called Mercedes Benz Financial and they say the account is suppose to be closed as Early Termination. They have promised to fix this issue but as yet to do so. Its been 6 months. This as caused my credit score to drop 100 points. As far as Im concerned I have know knowledge of this account or what its reporting like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: IN

Complaint narrative:
I got a copy of my credit report and asked the XXXX and Equifax to do an investigation to make sure everything was complete accurate according to 15 USC 1681i.

I waited over 30 days and have not had a response from them. Here are my tracking numbers ; XXXX is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 and Equifax is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 These credit bureaus are holding me back from expanding and growing my business. It's very frustrating because these credit bureaus are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I would like the CFPB to recognize my right to rescind the mortgage transaction with Caliber Home Loans , Inc. due to their failure to provide full material disclosure as required by Truth in Lending, Regulation Z under the Consumer Credit Protection Act. Under 15 USC 1635, an obligor has the right to rescind a mortgage transaction within three business days of the transaction or until the required disclosures have been provided, whichever comes later. If the creditor fails to provide the required disclosures or notice of the right to rescind, this right of rescission is extended up to years in my case. I exercised my right to rescind within the three-year period due to Caliber Home Loans , Inc. failure to provide full material disclosure at closing. I sent three notices of rescission to Caliber Home Loans , Inc. via certified mail, and they failed to respond or file a judgment disputing my right to rescind within 20 days, as required by 15 USC 1635. This failure to respond within the 20-day period means that the rescission is final, and the security interest created by the transaction is void. I have an open lawsuit currently on Caliber Home Loans, INC. at the United States Federal District Court of Delaware, Case Number : XXXX. They have recently foreclosed on my mortgage during an ongoing case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MA

Complaint narrative:
XXXX you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.

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 2023-04-14 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: MA

Complaint narrative:
XXXX you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MA

Complaint narrative:
Experian you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.

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 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/2023 there was a transfer to my savings account in the amount of XXXX dollars, that should have been available to me immediately. The XXXX dollar transfer still remain in a running status today. I spoke with a Navy Federal employee who stated to me there is a security hold on my end and I would need to speak with Security Operations. I was placed on hold for 45 minutes, I disconnected that call and place another call soon after. I spoke with another employee. I asked to speak with a supervisor. I spoke with a supervisor by the name of XXXX who could not resolve this issue and to be honest dont think he actually cared. I explained to XXXX this XXXX dollar transfer isnt available to me and is still in a running status. He stated there has been a lot of fraudulent transactions and there are security in place. I stated to him there was another transfer from the same individual to my account in the amount of XXXX dollars this week that was processed and available. He stated to me the individual need to call in and release the hold. Whats odd is I have received several conflicting statements from this institution regarding this transfer in the mean time, the XXXX dollars that was withdrawn from the other party account is in the hands of Navy Federal but they refuse to release it to me and has not gave me a valid reason. I did ask XXXX why would you release a XXXX dollars but not the XXXX dollars transfer from the exact same individual. He could not answer that question. I sailed him to transfer me over to someone that could answer that question. He stated there was a 2 hour wait in the security operation dept. I asked for his supervisor he stated he could not give me that information. I asked for his id number he stated he could not give that information. I stated I would be filing a complaint and disconnected the call. I have been banking with this institution for 24 years and never had a problem with a transaction or transfer from this individual that has been making transfers for 20 years so there is no reason for this to happy. I would like my funds to be released immediately and I will be closing this account soon after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am a XXXX XXXX  who is tax exempt from property tax. Since XXXX of XXXX I have been trying to get an issue involving my property tax resolved with my mortgage lender Mr. Cooper. My payments went from around {$2300.00} to {$3600.00} starting XX/XX/XXXX I have called and emailed multiple employees of Mr. Cooper. I have sent in paperwork showing I am property tax exempt and also spoke with the Supervisor of Assessments on multiple occasions. I was eventually able to get in contact with XXXX from the escalation team who did help some by doing an escrow analysis in XX/XX/XXXX and the payments were lowered to around {$2800.00}. The last time I spoke with XXXX she told me she would look into everything but I never heard back from her. I contacted a VA technician to help with the issue and I have not received any response at this time and it has been over a month now. The extra money paid on this has not been returned and I was told by XXXX this was used to pay previous property tax. I am now financially in a bind due to the extra thousands of dollars I was forced to pay. The contact information for XXXX the escalation team member at Mr. Cooper is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
The late payments on my student loans are incorrectly reported for XX/XX/2017, XX/XX/2017, XX/XX/2017. I've already tried to dispute it with the company and creditor. I've sent in requested documents.

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 2023-04-14 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:
The late payments on my student loans are incorrectly reported for XX/XX/2019. XXXXXXXX XXXX and XXXXXXXX XXXX are not my accounts. I've already tried to dispute it with the company and creditors. I've filed a police report and sent in requested documents.

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 2023-04-14 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance is still reporting repossessions past the 7 year statute of limitations.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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