vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: MD

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 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Fraud reporting of a XXXX  XXXX bankruptcy by experian! This is fraud reporting I do not have a XXXX  XXXX filing please call XXXX XXXX XXXX XXXX trustee state of Georgia for verification NO XXXX  XXXX FILED! Freeze on my credit report but experian has allowed community loan servicing and XXXX to report fraud on my credit reportI have no loan with XXXX mortage servicing or community experian XXXX and transition has also allowed pulling of my credit report by community loan servicing and XXXX and XXXX and credit agencies under freezed credit repor this is unlawful to allow them to report on my credit report when the report is frozen no permission given to these companies therefore there are punitive damages fraud slander defamation You have lowered my score and prevented me from refinancing my mortage you are committing a crime of fraud remove fraud reporting of XXXX XXXX XXXX and XXXX And XXXX IS NOT MY MORTAGE COMPANY Fraud reporting remove fraud reporting I do not have any mortage loan with XXXX  YOU ARE DEFAMING ME USDA DO NOT HOLD ANY LEIN NOR DO USDA HOLD MY MORTAGE USDA IS NOT I REPEAT IS NOT MY MORTAGE COMPANY THIS REPORT IS FRAUD and false allegations of bankruptcy XXXX  XXXX bankruptcy was never filed this is fraud! they have no claims on me remove the fraud reporting! I have not filed any bankruptcy remove this fraud reporting off of my credit report! XXXX XXXX Experian has allowed companies to pull my credit and report fraud under frozen credit report this is fraud!

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 2022-02-09 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: EQUIFAX, INC.
State: MD

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 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
Fraud reporting of a XXXX XXXX bankruptcy by XXXX! This is fraud reporting I do not have a XXXX  XXXX filing please call XXXX XXXX XXXX XXXX trustee state of Georgia for verification NO XXXX  XXXX FILED! Freeze on my credit report but XXXX has allowed community loan servicing and XXXX to report fraud on my credit reportI have no loan with XXXX mortage servicing or community XXXX XXXX and transition has also allowed pulling of my credit report by XXXX XXXX XXXX and XXXX and XXXX and credit agencies under freezed credit repor this is unlawful to allow them to report on my credit report when the report is frozen no permission given to these companies therefore there are punitive damages fraud slander defamation You have lowered my score and prevented me from refinancing my mortage you are committing a crime of fraud remove fraud reporting of community loan servicing and XXXX And XXXX IS NOT MY MORTAGE COMPANY Fraud reporting remove fraud reporting I do not have any mortage loan with USDA YOU ARE DEFAMING ME USDA DO NOT HOLD ANY LEIN NOR DO USDA HOLD MY MORTAGE USDA IS NOT I REPEAT IS NOT MY MORTAGE COMPANY THIS REPORT IS FRAUD and false allegations of bankruptcy XXXX  XXXX bankruptcy was never filed this is fraud! they have no claims on me remove the fraud reporting! I have not filed any bankruptcy remove this fraud reporting off of my credit report! Transunion XXXX XXXX has allowed companies to pull my credit and report fraud under frozen credit report this is fraud!

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 2022-02-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
The company that holds my mortgage has been located in XXXX Michigan for the previous 8 years that I've had my mortgage. On XX/XX/XXXX of 2021 they moved to XXXX XXXX XXXX Florida. Since they have moved, I've tried several times to reach them at their new phone number, XXXX, with not only no answer but receiving a recording that they, the company PHH XXXX, is not answering any calls at this time. I've sent them a payment on my account for {$2700.00} on the XXXX of XXXX and it was cashed but they haven't provided me with any notice of that posting, and the people at their previous phone number are totally uncooperative and will only provide the phone number that is not in service. I've tried reaching them via fax and also via a letter with no response. I need to be able to make a draw from my account and I can't reach them and need your help disparately. The companies name and address are PHH XXXX. XXXX, XXXX XXXX XXXX Florida XXXX. They are over 30 days late on suppling a monthly account record and have changed my account numbers. They were previously located in XXXX Michigan and their phone number there is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Called in XX/XX/2022 to make a payment received confirmation number from rep of paid amount, payment didn't go through because of the representative mishap. never was informed of this until payment was marked as late and reported to credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone used a convenient check on my Sears Mastercard account on XX/XX/2022 in the amount of {$5000.00}. I DID NOT MAKE THIS CHARGE. Can you please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Verisk Analytics Inc
State: FL

Complaint narrative:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: WA

Complaint narrative:
XX/XX/2022 - 1500 $ worth of credit was taken out at a less XXXX  in XXXX  XXXX, I live in XXXX. Ive never been to bend 1 and 2 Ive never opened a line of credit. I found all this out by filling my taxes for the first time and then saw the fraudulent credit lines on 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 2022-02-09 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: Experian Information Solutions Inc.
State: GA

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 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account 06 XXXX XXXX  XXXX : XXXX Please remove it from my credit report.

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: GA

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 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: SLM CORPORATION
State: NJ

Complaint narrative:
Hello, in XXXX till XXXX I took out student loans with XXXX XXXX. During COVID XXXX XXXX sold my loans to another provider, because they did not want to deal with the headaches of " government passes on loans ''. My loan was sold to XXXX. I remodified my loan with them. Removed the co-signer. DROPPED my interest from 12.75 % to 3 %. XXXX has not removed the false inform from my report. The accounts are over 7 years old they are private loans with a company that just lost a 2 billion dollar lawsuit for stealing from there customers. This is horrible. It should be removed from my report as soon as possible. I will provide the new modified agreement. Signed and executed, which states that XXXX XXXX loan was transferred to another leader and all the changes that were mad. As a young man in there 20's.. I need someone to help I feel so small dealing either these companies. I have obtained a lawyer and will sue XXXX and XXXX XXXX for destroying my report and character as a responsible person. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NM

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NM

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-02-09 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: NM

Complaint narrative:
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Card Acquisitions Group
State: IN

Complaint narrative:
The lady at foster and Monroe threatened to garnish my paycheck if I didnt pay by 12 am that day. Also has called me over and over and over again. She also tried to tell me my mom doesnt care about me. She gave me false information about my mom. Shes been very harassing thats why I thought it was a scam and didnt trust paying the debt because Ive never had a collection agency use scare tactics like telling me she would garnish my wages if I didnt pay by midnight and telling me it would hurt my credit. And telling me my mom doesnt care that I will have to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NM

Complaint narrative:
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their 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 2022-02-09 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their 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 2022-02-09 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Unauthorized inquiry on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: MD

Complaint narrative:
I have been contacted by Professional Finance Company Inc I was at the hospital on XXXX XX/XX/2021. I have a letter from XXXX XXXX XXXX wit the approval of finance assistance. 

I submit this documents to them few months ago and I keep receiving mails from them to get the payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The problem XXXX having with Experian is that these accounts are passed the statute of Limitations. 

Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : 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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
In XX/XX/2022 I submitted a form for my XXXX XXXX XXXX  payments to be taken every 2 weeks instead of every month. I also requested ont he same for for an additional {$50.00} to be taken every 2 weeks. 
I spoke to a customer service rep for The Money Source mid XXXX who assured me that the form I submitted would go into effect XX/XX/2022. 
This did not occur. On XX/XX/2022 I call The Money Source and I was told that no one looked at the form I submitted. They then told me I had to pay a month in advance which I did alsong with an extra {$100.00} as an extra principal payment. I was told that the form would be processed by the end of the business day and I would get a call back. 
This did not happen, but they did take the extra money. 
On the XXXX XX/XX/2022 I called again and was told again no one looked at the form.But i was assured it would be taken care of by the end of the business day on the XXXX. 
This did not happen. 
I lodged a written complaint to the company via email on Monday XXXX XXXX and have had no response to my written complaint. 
I initial and spoke to a customer service rep on XXXX XXXX who gave me the same spiel don't worry it will be fixed by the end on the day on the XXXX and it is still not fixed.I have spent about 6 hours since XX/XX/XXXX on the phone with customer service, their supervisors and I still have not had the issue rectified. They XXXX very quick to take an extra payment but not delivering on service. I feel like they deceived me by telling me I needed to pay an additional month and then didn't care to implement the form I sent them. 
I have been told by the company there are no extra fees or charges involved in paying every 2 weeks. I feel like they don't want to implement their own form because they would be losing in interest over the 30 year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI
State: KS

Complaint narrative:
Get daily recorded messages stating " Hi this is XXXX XXXX calling from Gen. Revenue Corporation. Please call me or any of our representatives at XXXX ''. I have contacted them numerous times and advised that this is a law office and the person they are trying to contact ( XXXX XXXX ) is neither an employee or a client of this office and to please stop calling. They have repeatedly advised that this number has been removed from their list, yet I continue to get daily phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VT

Complaint narrative:
My private student loans are serviced through nelnet. I have two separate loans. I have tried to make extra principal payments to one loan, yet the company has a history of misapplying the payments. This has resulted in significant time trying to correct the issue, and I now am having to fight to have interest charges corrected. I am rather exasperated.

Company response to consumer: Closed with explanation