vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX account had been removed and blocked from my credit report. They 2 days later put it back on my account which is illegal!!! 

XXXX. XXXX nor the credit bureau sent me any information in writing showing that information was accurate. 

No one has sent me information showing me that I signed anything with my personal signature. XXXX only stated what was purchased which isnt proof that I purchased anything. 

XXXX. I was suppose to be notified of these in writing within 5 days which was not done. 

I was notified of nothing. I keep saying this account is not mine and all XXXX keeps trying to do is say its mine and what was no proof. There is no hard copy evidence given to me at all. 

You XXXX are not above the law and Im willing to take this as far as possible. I will inform my lawyer as well take this issue to court small claims and so forth. I will take this federal because you have failed to follow the law I have requested several times for written proof and you have failed to do so. I have repeatedly sent in information showing and saying this account was fraudulent. So it needs to be removed at once.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion persists in reporting XXXX XXXX, which has been successfully removed from my XXXX report. This discrepancy raises concerns over compliance with the Metro 2 guidelines. Specifically, it appears to violate Metro 2, Field 19, which dictates the reporting of " Date of First Delinquency. '' I have provided evidence of the deletion from XXXX and request immediate correction to align with Metro 2 standards.

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 2024-02-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Kohn Law Firm SC XXXX XXXX XXXX XXXX WI ( XXXX ) XXXX XXXX Is trying to duplicate debt charges I repaid to them for a XXXX  credit card. Payments complete in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Since my loan transferred to SPS in XXXX of XXXX I noticed my Taxes had not been paid ( which I brought to their attention on Friday XX/XX/XXXX and sent the tax bill on the same date ) I started to do some digging on what escrow balance had transferred and noticed that SPS had loaded the wrong balance in my escrow account. I have called in multiple times after my initial call on Friday XX/XX/XXXX and have yet to obtain resolution. 

When my new loan was originated on XX/XX/XXXX I had to deposit {$13000.00} into the escrow account, I then made my XXXX and XXXX mortgage payments, which included an escrow payment each month of {$1500.00} resulting in an escrow balance of {$16000.00} as of XX/XX/XXXX. When my loan transferred to SPS on XX/XX/XXXX the escrow balance they were showing was {$13000.00} the original balance I had at closing and did not account for the two payments of {$1500.00} on XX/XX/XXXX and XX/XX/XXXX. 

I have provided SPS with the payment history from Loan Stream mortgage ( my previous servicer ), the statement sent to me from SPS referencing the improper escrow balance and my XXXX XXXX Tax bill that was due Wednesday XX/XX/XXXX. I have two requests of SPS - 1. Please pay my county taxes to XXXX XXXX in the amount of {$12000.00} that were due by XX/XX/XXXX In addition SPS needs to pay the late fees incurred due to their non-payment 2. Please balance my escrow account and get the proper balance loaded to my escrow account as they are currently missing over {$3000.00} Please feel free to contact me at XXXX with any questions or concerns.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Net Credit is attempting to collect a debt for {$1100.00} I do not recall ever doing business with this company before. I am requesting that NET Credit cease debt collection immediately and delete this tradeline reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-29 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services
State: MS

Complaint narrative:
On Tuesday, XX/XX/XXXX, I applied for a personal loan of {$800.00} through XXXX  XXXX XXXX. Went through the process of sending paystubs, proof of income, and all the typically required documents. 

I received a call that evening stating Blue Mountain Loans needed to see my transaction to XXXX of {$120.00} posted to my account. 

On Wednesday, XX/XX/XXXX, I supplied the screen shots from my bank account showing the charge has posted it. I sent two variations showing it was hard posted to my account. It is unclear why I had to do this when they had linked to my bank account three times at this point. 

I received an email from Blue Mountain Loans on Wednesday at XXXX XXXX stating " Hi XXXX, this is XXXX. Your loan is approved for {$800.00}. Before funding, can you please confirm you have review all banking information entered to ensure funds are set to your bank account? Thank you! '' I responded confirming all my banking information is correct at XXXX am. 

I also received a text from XXXX XXXX at XXXX am with the exact same verbiage as the forementioned email. 

That same day ( Wednesday XX/XX/XXXX ) I received a call from XXXX XXXX XXXX asking for information from my XXXX loan. I asked if they were affiliated with XXXX and was told no. However, I provided to provide screen shots of my payment history with XXXX. During this call I was told everything was good and I would receive the funds by XXXX same day. 

Then I receive another call saying they need to show it has paid? I asked again if they are affiliated with XXXX XXXX to which XXXX XXXX answered XXXX. I asked why they needed this, couldn't get an answer. I asked for a supervisor and my request was not met. 

I called again as my screen shot on my payment history shows the payment for XX/XX/XXXX to XXXX was zero and my Bank account screen shots AGAIN to be told it's not enough they need XXXX to show it as paid to receive my pay out on the approved loan. 

This is going on day three, upon further review all that is legally required to is my banking information, social, and proof of income which have all been provided and obviously led to my " approved '' status. There is no clear answer as to why XXXX XXXX XXXX needs any information on a loan outside of them and that they are not affiliated with. 

I signed an agreement to pay {$3000.00} to borrow {$800.00} due to being stuck in a hard place and the weekly payments to XXXX XXXX outlined in the XXXX XXXX are less than 10 % of my weekly pay. 

I wake up to an email from XXXX XXXX at XXXX am stating now my loan is " pending final approval '' and that approval is not guaranteed and dependent upon " underwriting guidelines ''. 

The company is asking for information not pertinent to them nor my loan or agreement with and to Blue Mountain Loans. The " Goal Post '' keeps moving further and further back and coming off as deceitful practices and creating unnecessary practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have made several calls to American Credit Acceptance to assist in updating my XXXX with accurate information. My credit report has not been updated since XX/XX/XXXX. The balance current reflect on the XXXX as XXXX on all three bureaus. However that is incorrect. As if XX/XX/XXXX my balance is {$3700.00}. The auto loan company does not report accurately each month as required to do so on FCRA. I have called and sent letters and they have not updated at all. Additionally, they also reflected me over 30 days in an instance and was advised that would be corrected. I escalated to executive office due to an error on their part and they agreed. However, they reported me negatively anyway. Please aide in ensuring they are reporting to all bureaus with updated accurate information. I will attach an XXXX XXXX as proof they have not for view. This is happening all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: AZ

Complaint narrative:
Mohela is my student loan servicer and since they have been my servicer I have had problem after problem. There have no way to contact them other then waiting on the phone for an hour and if I am lucky not to get disconnected to finally speak to someone. When you do finally speak to someone about an issue it is deflected to another department or to contact Student aid. My latest problem is that I am back in repayment my first payment of {$28.00} was due XX/XX/XXXX, I made a {$40.00} payment on XX/XX/XXXX and it shows on the Mohela website. Since then I have also received an email on XX/XX/XXXX telling me that I am pasted due. If you log into my account not only does it show my payment being made on XX/XX/XXXX of {$40.00} dollars but now the total amount due for XXXX is XXXX. I called Mohela and a rep stated yes we see the payment, we don't know what the " glitch is '' but we will get the error fixed. Ok- great, today? No. Well before the next payment is due which is XX/XX/XXXX? No, it can take up to XXXX days for that to be corrected and to no longer show I am past due. The rep says dont worry it wont show you are delinquent there is a grace period for people who miss payments. Great- but that does no apply to me since I made the payment and Mohela has caused the error. This is a simple accounting error that Mohela has made but now I have to wait until they decide to fix it. I request to speak to a supervisor and I get transferred to a voicemail box that can take up to 2 days for a call back. 

Now I am in auto pay and since I have little trust in Mohela I worry they will take out a different amount since they have access to my account. I would like this to get corrected. 
Problem- shows I have a past due amount- when a payment was made Solution- correct the balance to reflect payment was made and timely, another possible solution transfer me to another servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting two accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere, Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint number XXXX regarding a recalled wire transfer of XX/XX/XXXX, from my Citibank account XXXX XXXX to XXXX XXXX XXXX at XXXX XXXXXXXX XXXX account number XXXX. Within few minutes of the transfer, I notified Citibank to cancel the transfer and was informed that a recall would be initiated. After XXXX months of frustration with Citibank I filed complaint number XXXX, Citibank responded in a XX/XX/XXXX letter indicating that " funds are returned at the sole discretion of the beneficiary. If the beneficiary denies debit authority, the beneficiary bank may deny the recall claim. '' Upon my follow up with the beneficiary, he shared with me his account information which confirmed that the XXXX XXXX did indeed debit his account ; however, my account had not been accordingly credited. I called Citibank on XX/XX/XXXX, to share this information and was informed that numerous messages were sent to the XXXX XXXX XXXX without response. In another phone call to Citibank on XX/XX/XXXX, I was assured that the case would be escalated- including a SWFT message to Citibank XXXX to follow up with the XXXX XXXXXXXX XXXX The beneficiary 's bank statement continued to reflect the debit of the XXXX ( XXXX {$5000.00} ) which implied one of two things : ( XXXX ) Citibank is withholding my money ; or ( XXXX ) Citibank was not doing enough to have the XXXX XXXX XXXX  to return the funds. Citibank 's action has caused me severe distress and pain since XX/XX/XXXX. With the proof of debit from the beneficiary 's account, Citibank 's disclosure that I " will need to contact the Beneficiary directly to arrange to have the funds returned to you '' is no longer tenable ; besides, I stand no ground to contact the XXXX XXXX XXXX  for the funds except through Citibank. My faith in Citibank to represent me and defend my interest is at the lowest ebb and it is as though I am being robbed of my 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

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 2024-02-29 00:00:00
Product: Credit reporting 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:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
{$600.00} ATM withdrawal did not dispense funds to customer. Dime bank still debit funds from customer account XXXX routing # XXXX no credit back to account to date. Customer wants theft corrected/refunded with interest checking/ATM. Branch at XXXX XXXX And XXXX XXXX. In XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
They were claiming to check my medical bill, I asked why they were calling and they replied theyre just debt collectors for this medical bill Im paying off, they didnt even know I already had a payment plan. The first six digits of the number always start off the same and the last 4 are different. I also called the hospital just to reaffirm if this was typical or if it was something else, they said they only call from one number thats completely different. I did my best to not give out too much information because its my first time paying off a hospital bill and Im not sure how these things really go. The information I did give was my DOB and the amount Im paying off monthly, they asked for a receipt number or a verification but I said I wasnt able to provide one ( which wasnt true ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IN

Complaint narrative:
I got a gift card in the amount of {$50.00} as a gift. I have activation and receipt for this card. 
When I checked the balance it was {$0.00}. I looked to see why and it had been use in XXXX  at a secretary of the state. I called card company and was asked to fax information such as my drivers License, copy of the card, receipt etc. I first faxed info as requested, waited a month, no response so I called again. Again they asked for information to be sent. I did as asked and still nothing. I then began calling again. They ask to enter card number and I do then representatives come on and ask more information, they then put me on hold or just hang up on me. This is happening everytime I call. I want them to make this cards value correct or send me a new card.

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