vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CT

Complaint narrative:
LCalled looking to get information on 90 day interest free promotion that expire XX/XX/XXXX on my loan. Immediately the rep started implying about late payments and by XX/XX/XXXX they would attach XXXX dollars to my loan!! which is bizarre illegal and she simply lied about my account being late because they EFT my bank account every other week. Csr then places me on hold for 30mins. She then switch story and tells me if full payment not made by XX/XX/XXXX then 90 day promotion is null and will still attach XXXX interest fees to account she was talking over me wouldn't allow me to speak was very rude wouldnt let me speak to a manager. Nowhere in contract it says anything this csr was saying over phone. 

Interest free means nothing goes towards interest for 90 days. You will immediately start to take interest after promotion expires moving forward. 
This company dishonest crooks does subprime and goes against FTC. 

They never report all my payments to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: LA

Complaint narrative:
I'm having an issue with a debt collector for a student loan. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) contacted me yesterday by phone to collect on a student loan debt. My son and I have the same name, but he's referred to as XXXX XXXX XXXX. He makes payments on the debt. I've requested in writing to XXXX that they only contact me in writing ( not by phone ). I explained to the rep that I would call my son and have him check on his payments. The rep was very aggressive and would not accept my reply-so I ended the call. My son made a payment that day- but I was informed that my credit was pulled that day without my consent for new account activity. When my son called to find out why, they explained that they can pull my credit at anytime. 

I believe this was done in retaliation. I would like to file a formal complaint about XXXX 's methods and procedures for collecting debts. As stated, I've requested from them several times not to contact me by phone. XXXX 's tactics are meant to financially harm consumers by distorting credit reportings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed this erroneous informations and I haven't received a response and I also submitted a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NM

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: U.S. BANCORP
State: GA

Complaint narrative:
I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports

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 2021-05-05 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: AL

Complaint narrative:
XXXX XXXX XXXXEFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX  TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX  IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND EQUIFAX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX AND EQUIFAX STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX  THAT HAS THE ACCOUNT TO XXXX XXXX  AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX HOW THEY VERIFIED MY DEBT TO EQUIFAX AND XXXX  NOW DUE TO XXXX XXXX  NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND EQUIFAX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND XXXX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX  AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO PROFESSIONAL COLLECTION THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX  '' THIS Was SAID AFTER I ASKED PROFESSIONAL COLLECTION HOW THEY VERIFIED MY DEBT TO XXXX AND XXXX NOW DUE TO PROFESSIONAL COLLECTION NOT VERIFYING DEBT AND XXXX HXXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: IL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
hey my name is XXXX XXXX paypal closed my account is not keeps sending my my remanding balance to the wrong address and refuse to send it to my primary address and wont allow my to up date my debit infomarmation please help.my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper has lied to us for 4 months. My last call in XXXX they assured me they would NOT pay the supplemental taxes. I sent a check for the taxes and the next day they sent a check for the same taxes. Then they set up our supplemental taxes ( one time payment XXXX to be escrowed and paid again in XXXX. I had to call and have them delete the future tax payments that were incorrect on our account. Long story short we have been overpaid {$910.00} at XXXX XXXX of XXXX since XXXX and Mr Cooper has lied to us every time we call, they have NEVER responded in writing to one of several inquiries, they now have inflated our mortgage payment again due to the error they made for money already paid. I am XXXX on Social Security and they refuse to take any responsibility for the errors they make. Most representatives are only concerned when you call about another refinance and never follow through or call back. I asked for office of the president last week and after 45 minutes they never called back again. I just spoke to them again, they have now transferred our loan which has escrow overpaid and they have inflated our payment. I even sent a check to them for {$740.00} to make up the difference of the overpayment. They lied to us for 2 months saying the money would be refunded to our account in 8 weeks or less and now XXXX XXXX is saying 90 days. We shouldn't have to deal with so many problems or never get a call back EVER from a mortgage company handling a half XXXX dollar loan. Not one reply to anything or follow up ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Professional Placement Services has committed identity theft using my information provided to them from XXXX XXXX XXXX. I have never been to a hospital in XXXX  nor have I ever executed any paperwork using my information for XXXX to disclose in the state of XXXX where the claim originates. I live in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
This debt is not mine and gave requested to have removed numerous times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
I submitted my first dispute onXX/XX/XXXXand never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX  , and XXXX XXXX XXXX data breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off 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 2021-05-05 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: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 31st day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: MA

Complaint narrative:
On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: NY

Complaint narrative:
Factor Trust has, on multiple occasions, failed to meet their legal obligations under the FCRA by responding to a consumer request within XXXX XXXX. I have contacted Factor Trust on multiple occasions, and they still have yet to mail me a letter regarding a security freeze, fraud alert, out-out prescreen, and consumer report. 

XX/XX/XXXX - Forms mailed priority to FactorTrust XXXX GA location XX/XX/XXXX - Forms faxed to FactorTrust at XXXX XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX GA location XX/XX/XXXX - Forms received by FactorTrust at XXXX PA location XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX PA location XX/XX/XXXX - Forms were received by XXXX FactorTrust in the mail ( I have a certified mail return receipt. 

On, XX/XX/XXXX and XX/XX/XXXX, I received a letter from FactorTrust indicating that they had no file matching my SSN, so they could not process my request. I did, however, enclose a letter giving FactorTrust permission to create a file under my SSN for the purposes of placing a security freeze. 

On XX/XX/XXXX, I sent an email to XXXX, and received an extremely informal response on XX/XX/XXXX ( only after I called did they send an email ). 

Additionally, I have contacted FactorTrust by phone, and they told me multiple times that I should receive a response, but to date, I have not received a response in the mail. 

ALL of the other consumer reporting agencies ( such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) that I have contacted have responded within a timely manner and mailed a confirmation of a security freeze and opt out. Although some delays are expected from the pandemic, a delay over XXXX  moths is unreasonable and unlawful. 

The only thing I am requesting is a physical letter indicating that I have a security freeze XXXX  with PIN ), fraud alert, out-out prescreen, and consumer report. This request is reasonable, standard under FCRA, and standard in the consumer reporting industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Fco is showing as delinquent account on my and my husband 's credit that are not our account but affecting ourcredit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: TX

Complaint narrative:
I never received my escrow refund in XXXX and XXXX ( loan # XXXX ). The property address is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I have called Nations Direct Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) monthly for the past 6 months about my refund for escrow and overpayment of {$1000.00} ( XXXX ) and {$620.00} ( XXXX ) and each time they say that they will send it but they never send it. Every time I call they say that I have to wait 30 business days and then they can update their accounts. They have try to say that that do not have record of a refund and they have removed my electronic history for more than 365 days so I can't even see my account for years past XXXX. I have sent proof of documentation from physical copies I printed even though they have restricted my account history and then they change their story ( different story every phone call! ) to say they never received the request for the refund or they forgot to send it. This has gone on since XX/XX/XXXX. They have since increase my escrow requirement in XXXX and have not reflected the current balance due to the overpayment on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation