vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: LA

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}

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 2022-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TX

Complaint narrative:
In XXXX of 2021 company added an old debt to my account that damaged my credit score. I contacted them to dispute and then refused the " debt parking ''. They also refused to send me anything in writing that they are legally supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Stilt Inc
State: CA

Complaint narrative:
Both the mobile application and website are full of bugs and issues that need to be fixed as they cause issues with making payments. 

- In order to add a payment method on the website, you need to use a service called Plaid. The issue is that the service seems to never work and the payment method never adds.

- There is only one way to pay and that is online. No mailing address or payments through your banks bill pay.

- Their customer services takes long to respond to inquiries- Due to the fact that their website and app contains bugs, it doesn't accurately display the amount due. My complaint stems from the following : 1 ) I had a payment due of {$250.00} on XX/XX/2022. On XX/XX/2022, I logged in and made a payment of {$250.00}. Additionally, I made a payment of {$140.00} to go towards principal so a total of {$400.00} was made. 

2 ) These payments cleared my bank account on XX/XX/2022. 

3 ) On XX/XX/2022, I logged into XXXX to see if they posted my payments to my account only to see that I am now delinquent and owe XXXX cents. Mind you, I made the exact payment that they said I owed through the website and even made an additional payment. I immediately made the XXXX cent payment and this was withdrawn on XX/XX/XXXX. 

4 ) XX/XX/2022, I receive two back to back robo-dialed calls from XXXX informing me that I am delinquent XXXX cents and need to pay immediately. I then received a text informing me the same. I called them and they confirmed that there is a mistake in their system and to please disregard. Although FDCPA does not state the amount of times they can call, this can be considered " unreasonable ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received an email on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card from XXXX/U.S. Bank and it offered a 0 % introductory rate for 15 billing cycles and {$150.00} cash reward bonus if {$500.00} was spent within the first 90 days for eligible purchases. I applied for this offer using the confirmation code provided and was approved but after using the card and meeting the terms my statement balance incurred interest for regular purchases. I reached out to U.S. Bank about my account and spoke to a representative that soon stated " this was not a bait and switch '' and shortly after I requested a supervisor. I was given no reason why my account reflected completely different terms and was told that more information was required and anything to support my claim should only be faxed or mailed. I faxed the documents on XX/XX/2022 of the email offer which even had the confirmation code included to Card Member Services and confirmed it was being reviewed. Next I told my request for this to be corrected to the intial agreement had denied and a letter stating this along with different terms was being mailed. Over the period of two weeks speaking to four supervisors and multiple agents there was no resolution for me and I was told they would not honor the terms offered and nothing further could be done. Finally the company maintained the claim I was at fault and my only option would be to except that my account will accumulate interest and I will not be receiving the {$150.00} that was offered and I agreed to when signing up for this specific and offer.

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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I was a customer of XXXX for over 15 years. I purchased my own phones outright. I transferred my service to XXXX XXXX in XXXX of XXXX. I paid the final T-Mobile bill and did not receive any additional mail, calls, or email from XXXX. 

In XXXX of XXXX, Receivables XXXX filed a collection account in the amount of {$270.00} on my credit report without contacting me. I sent the attached letter to Receivables XXXX and they did not respond. 

XX/XX/XXXX Credence Resource Management reported the debt to the credit bureau without any previous notification. 

Both Credence Resource Management and Receivables XXXX are debt collectors from XXXX. I wrote XXXX on XX/XX/XXXX and have not received a response. The letter to T-Mobile is attached. 

I am in financial services and this collection account has caused damage to me for a recent job offer. 

T-Mobile, Receivables XXXX, and Credence Resource Management has not responded to any of my letters. I do not owe XXXX any amount. I am requesting immediate removal of the collection account from all reporting credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon, I applied for the Truist " XXXX '' credit card back on XX/XX/XXXX at www.truist.com. 
I was approved for the card but haven't been able to use it, every time I try to use the card, they tell me the card is declined. I check my credit card account on the Truist website and I keep getting the message " This account is currently unavailable for use. If you have questions or need assistance, please call XXXX from XXXX am to XXXX pm XXXX, XXXX and from XXXX am to XXXX pm XXXX, Sat. '' This message has been there since I created the login on the website and it is the same phone number on the back of my card. 
I called Truist on XX/XX/XXXX regarding this issue of not being able to use the credit card and the representative I spoke with said someone would call me back since the person in charge was gone for the day. No one called me back. I must say that the hold time to reach someone at this company is insane, every time over an hour. I called back on XX/XX/XXXX and a representative said that someone will give me a call, the same thing I was told back on XX/XX/XXXX. I never got a callback, so I called again on XX/XX/XXXX, this time I asked the representative to provide me with the name of the person who would be calling me back. She said the person was XXXX XXXX, but she was in a meeting at the moment. I never got the callback either, so I called back today, XX/XX/XXXX, this time I asked to speak with a manager but they told me one was not available and I asked who would be calling me back, the representative said XXXX XXXX will be calling me back. Since I am tired of wasting my precious time on wait time every time I call, and tired of not getting nowhere with this " company ''. Please have them fix whatever issue they have so I can use the card, and since when I applied for the card this had a promotional 0 % APR for 15 months on purchases and balance transfers with no annual fee. I would like for them to extend the promotional offer for 3 months after the original 15 months expire, since I have not been able to use the card due to their incompetence as a " company ''. Horrible customer service. They pulled my credit, approved me for the card, and haven't been able to use it. I am attaching a copy of the message I get on their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper my mortgage servicer is practicing pre-accrual and has been for many years. I called and asked them to correct this on XX/XX/2022 by performing an escrow analysis, and even cited the statute. 1024.17 ( c ) ( 6 ) Restrictions on pre-accrual. A servicer must not practice pre-accrual. I was advised by my mortgage company I still had an escrow shortage. I believe Mr. Cooper is also in violation of 1024.17 ( c ) ( 1 ) and they will have more than a XXXX cushion at year end in my escrow account. Annual escrow : {$6200.00}, XXXX amount {$1000.00} ; XX/XX/2022 current escrow balance {$1700.00}. My monthly escrow payment is {$560.00} x 10 months= $ XXXX $ XXXX $ XXXX $ XXXX cushion at year end {$1200.00}. 

The amount sufficient to pay is computed so that the lowest month end target balance projected for the escrow account computation year is XXXX ( XXXX ) My homeowners insurance is due in XXXX for {$1800.00} Escrow balance XX/XX/2022 $ XXXX $ XXXX {$2700.00} Taxes due XXXX {$3600.00} XXXX Escrow balance $ XXXX $ XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NE

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: LA

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$2400.00} XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NE

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I have a credit card that I have been attempting to make payments on since XXXX. Each time I have attempted to make a payment, I have been told through the customer portal that the payment was received. However, after each payment attempt, I get a notice that there has been a reversal of the payment without any further information. Additionally, this has somehow managed to decrease my available credit on the account based on the current balance. For instance, theres a {$700.00} credit limit, and my balance is currently sitting around {$590.00}. It now says my available credit is negative {$110.00}. I am expecting the payment to be reversed in the coming days as it has since Ive been attempting to make payments since XXXX. I do not know what else to do. The last payment I sent was done over phone instead of the website to ensure that it would go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XXXX/XXXX/2020

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 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global keeps calling. I tell them to stop. I don't settle anything over a phone. They refuse to send correspondence. Proof of debt. They need to stop calling me period. Every day they are calling.

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 2022-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Absolutely insane, my lease which is one month old, on Hyundai  recording says I owe 3 months, the website says my next payment is due on XX/XX/XXXX when it's actually due in XX/XX/XXXX. I've called dozens of times with no response.

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 2022-03-11 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Sometime during the 4th quarter of 2021, I assisted my father in paying off his Credit Card with Sears/CBNA as hXXXX wanted to close that account and switch to a new lender. While my father and I were on the phone wit a Sears/CBNA rep trying to pay off his card with my own credit card from a different lender, the rep asked my father if it was okay for me to make payments to his card and my father said Yes. We were not under the impression that I was going to be an authorized user of the card and that I would have my own credit card with my father being the main account holder. We were under the impression that my father saying yes to the rep meant that I could pay for his Sears/CBNA card with my own card. My complaint is that there was no clear understanding of what it meant when my father said Yes over the phone. As I checked my XXXX Report, I saw the Sears/CBNA credit card on there showing that I had an account with them when in fact, the 11 years that my father had this card, I never did use. I filled an initial dispute with XXXX about this. The results stated Sears/CBNA said there was nothing wrong with that. I then contacted Sears/CBNA to have them remove it, and that rep said there was nothing in my name. I called XXXX back to share what Sears/CBNA told me over the phone and then filled an additional dispute with an XXXX Rep. Again, this 2nd dispute came back and said Sears/CBNA said there was nothing wrong. I have 2 different credit cards of my that I already have in my own name. All I am asking is if Sears/CBNA can be taken off of my Credit Report as I never did use it in the 11 years that my father had that credit 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 explanation
Consumer complaint received 2022-03-11 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: NC

Complaint narrative:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Received a spoofed number call from XXXX XXXX. Told me that my husband and I would be arrested and taken to court and that he would locate me at my premises. Then called my mother on another spoofed number threatening to break in to find me ( meanwhile I own a home ) and he would hunt for me. Stated it was in regards to a Mobiloan account. And to call XXXX. I am contacting an attorney too since this behavior is uncalled for.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-11 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: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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