vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Good evening, First of all, I took out a Home Equity Loan around XXXX of XXXX with XXXX XXXX XXXX XXXX. Another Servicer took over the loan by the name of Nationstar/ Mr. Cooper . I wasn't notified from XXXX or Nationstar/Mr. Cooper about them taking over my Home Equity Loan. From what I gathered about Nationstar/ Mr. Cooper , they didn't even exist until XXXX. I fell behind with my payments due to the death of my Husband. Shortly after the passing of my husband, my daughter had to have XXXX  XXXX on both of her XXXX. I couldn't work because, I had to care for my daughter after her XXXX and then, my daughter was diagnosed with an XXXX XXXX, which is a lifetime condition. This XXXX XXXX causes a lot of Therapy, hospitalization, Psychological Therapy Treatments and other Treatments. I couldn't work due to having to care and transport my daughter to and from her doctor 's appointments. I've tried working with Nationstar/ Mr. Cooper concerning, my Loan, of course they gave me a hard time. I had to file bankruptcy to protect me from loosing my home. I fill like, I've been defrauded since, they took over the loan. XXXX of XXXX, I was hospitalized with XXXX. Before I was hospitalized, I had a realtor representative who, was working for me on a short sale with Mr. Cooper, the first buyer backed out. My realtor had to search for another buyer. My realtor found another buyer to purchase my house. I had to be hospitalized again in XXXX of XXXX for a XXXX XXXX. My realtor was communicating with a representative with Mr. Cooper while I was trying to recover from my XXXX in the hospital. Suddenly, the communication between my realtor and Mr. Cooper just completely stopped. My realtor informed me that, the representative who she was communicating with about the short sale, wouldn't talk to her any more about the short sale. I tried reaching out to Mr. Cooper to let them know that I was in the hospital. They didn't seem to care. Mr. Cooper told me that, I couldn't get another short sale. The amount that they stated I needed to pay is, more than what my house is worth. They, tried to foreclose on my house on XX/XX/XXXX. I had to file bankruptcy in order to save my Home. Since, the bankruptcy got dismissed, now Mr. Cooper is trying to foreclose on my home on XX/XX/XXXX. I feel that, I haven't been treated fairly. I was only allowed one loan modification, when actually I should have been allowed two additional loan modifications. Please investigate this matter for me. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: UT

Complaint narrative:
I have a couple pay cards they are wisley with same company i have been asking for i itemized statement of my cards activity s. Since XX/XX/XXXX i have called several times and have not received them. Its important that i receive them i have called more than 20 times. my cards are from people ready. XXXX and dep com XXXX. ( My transaction statements ) Need this info asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Cascade CISS Holdings, LLC
State: AR

Complaint narrative:
on XXXX i contacted XXXX XXXX about a personal loan to obtain a property for a business, the loan officer used my personal information on another persons mortgage application that i didnt ask her to process, she emailed and said i didn't qualify my scores were low and my credit was damaged, this was not true i was approved with XXXX the same day i received a credit disclosure statement from XXXX XXXX with a credit rating of XXXX, after receving my drivers license and income documents i was treated poorly but was well qualified for the loan i was seeking, i am humiliated for the actions of the XXXX XXXX employee for trying to make me feel like i was nothing tre she lied about my scores and credit because i was XXXX XXXX this was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am in the process of removing PMI. As instructed by Truist. I started this process in XX/XX/XXXX and ( all in the company records and my recorded calls ) have sent multiple checks to have my house appraised. Every time I call the customer service rep gives me conflicting information. On my last call in XXXX, I was assured that they had my check and that the appraiser would be calling to set up the appointment within 120 days. 

Now it's XX/XX/XXXX and I called again this morning to get an update and the customer service rep is stating that I have not even started the process and need to mail a check to the same address I've already sent 2 checks to. I refused to mail a 3rd because this is outrageous after all the records they have of me going through THEIR process and following THEIR instructions. Again I started this process in XXXX of XXXX and it's now XX/XX/XXXX with them stating I need to start all over. 

The calls are all recorded, I've been told so much different information at this point I only want to speak with a manager and have still never received a call from anyone. I feel like I am getting the runaround and being lied to. I am trying to just follow their steps yet they fail to make sense and provide support.

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 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Around XX/XX/XXXX, I applied for and received a XXXX XXXX XXXX XXXX XXXX XXXX sponsored by Synchrony Bank. It included an offer to obtain a large statement credit on my furniture purchase ( maybe 20 % of the purchase price but I don't fully remember ). I paid off the credit card and closed it with the first card statement. A few years later on XX/XX/XXXX, I received a credit card statement from Synchrony Bank stating that I had a credit balance on the closed account XXXX. I called Synchrony Bank 's XXXX number ( XXXX ) and they explained that I did have a credit balance and asked me if I would like it refunded via check totaling {$2100.00}. I received and cashed that check on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Synchrony Bank stating that I had missed payments on this cash advance, and fees were accruing. I'll call this the Sychrony XXXX XXXX XXXX. Please help me resolve this.

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 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
In XXXX I switched phone companies from XXXX XXXX XXXX to XXXX. I paid my last bill in full to XXXX XXXX XXXX. I called and verified that I was clear of all debt and account closed, XXXX XXXX XXXX confirmed this. Within 1 year I received letters and phone calls about a XXXX XXXX XXXX dollar debt owed to XXXX XXXX XXXX that went to collections. I do not remember the name of the first collections company. Again i called and confirmed with XXXX XXXX XXXX and they told me they we're in no way associated with the collections company and that i owed nothing. 
Eventually after tons of harassment and me telling them I spoke with XXXX XXXX XXXX, they stopped. Now around 6 months or so ago, a new collections company is calling daily, sometimes twice, and has sent mailers as well. AFNI, is the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
incorrect 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 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I opened my account and afterwards made my 1st payment ( for the full statement balance ) I was sent an email later hat day and another one a few days later confirming my payment.

But, a few days later I was notified that I had not made any payments yet. Wen I called Synchrony I was told that there had been a problem routing my payment, so I made a payment over the phone and they agreed to remove the late fee and interest charges. 

Since their notification regarding my payment problem likely came only after they had prepared next month 's statement, it did not include a credit to allow for my payment over the phone. It was therefore not clear to me how much I had to pay by next time to avoid interest charges. I received no revised statement and so I had to guess how much I would have to pay so as to not have tp pay any interest.

Next day, after the {$200.00} or so that I paid was credited I saw no sign online of what my revised payment to avoid interest should be.and ditto when I phone them ( tedious automated system ). Both their Website and phone system indicated NO payment due. 

I just spoke tp someone at Symphony and was told that they would remove the interest charge as a " courtesy ''. I was also told that I should have paid the FULL statement balance in my previous statement - even though it was about {$600.00} over what it really was! And this from a so-called " supervisor ''. 

Synchrony has messed-up at least twice now!

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 2023-03-31 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: FL

Complaint narrative:
I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXX  {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. AXXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXXXXXX XXXX XXXX {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: FL

Complaint narrative:
I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXXXXXX {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. XXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXX XXXX XXXX  {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX ORIGINAL CREDITOR:XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.

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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-31 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: IL

Complaint narrative:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
Hyundai Motor Credit informed me that my interest on my car loan does not go down as I make my monthly payments to my vehicle loan. This is not the contract I signed. They informed me that my interest will stay roughly the same every month at {$1.00} per day from due date to due date. My truth in lending disclosure states I should pay {$2500.00} over the 72mo life of the loan. But if I pay {$1.00} per day that's nearly {$4000.00} over the life of the loan. I will attach a screenshot of my payments I made and you can see I am making extra payments to the loan but my interest is increasing every month

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 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: TX

Complaint narrative:
I am filing a complaint about G.L.A Collection Company Inc. 
I spoke with a collector named XXXX XXXX on XX/XX/23 about account number XXXX. I asked specifically about how to dispute the debt with G.L.A, and XXXX told me to go back to the " original creditor ''. When I asked why I would go back to the " original creditor '' to dispute, he responded " because we work for them ''. This company has no interest in validating this debt as I directly requested, and did not provide any information on their process on how to have a debt validation performed. 

After my repeated requests for debt validation, XXXX XXXX hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: FL

Complaint narrative:
I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}

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 2023-03-31 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: FL

Complaint narrative:
I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NJ

Complaint narrative:
There many inaccuracies on my account report. I reached out to the credit bureaus and also had XXXX XXXX reach out but inaccuracies remain. Attached are two different credit reports from two different companies that show inaccurate reporting.

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 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
This is my formal written complaint. I am denying all calms by. CONVERGENT OUTSOURCI I have never done any business nor received any goods/services from CONVERGENT OUTSOURCI In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between CONVERGENT OUTSOURCI and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer 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