vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: NC

Complaint narrative:
Hello, I sent letters to the three national reporting agencies, XXXX, Equifax, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. Equifax and XXXX totally ignored the letters and I received zero feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NC

Complaint narrative:
Hello, I sent letters to the three national reporting agencies, Experian, XXXX, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. XXXX and Experian totally ignored the letters and I received zero feedback.

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 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
Today, XX/XX/2022. I got an XXXX credit alert that said an account in my name was reported to collections. 

I looked at the reported and it shows that a debit collection company by the name of Credence Resource MAMA is trying to collect a debt in the amount of {$3300.00} from the XXXX XXXX XXXX XXXX XXXX. The credit collection company said it was given the account on XX/XX/2022. There number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never been with XXXX XXXX XXXX at all in my life, so I know that this infact is not my account. 


I called XXXX to report this as fraud. They told me to fill this form out that I'm filling out right now. 

I called XXXX XXXX XXXX and reported a fraud. 

I called the debt collector and told them this was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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: Global Asset Agency, Inc.
State: NJ

Complaint narrative:
I took out a payday loan with XXXX XXXX during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? XXXX XXXX sold this debt to Global Asset Agency. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that Global Asset Agency has reported this on my credit report. When will this harassment end? This cant be Ok!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
What happened on XX/XX/XXXX i used a payment method called Cash App, i sold an item an Brand New XXXX  XXXX On XXXX XXXX XXXX and Tried to get payment, So to find out My Cash App Account was compromised by hackers and spoof email and fraud imposters of Cash App, so both my {$1200.00} which i made from phone and XXXX was stolen from me. 

So far ive Filed Complaint with the XXXX XXXX XXXX XXXX an Disputes Resolution Specialist said i didnt have a letter proving that i was scam, but i do have a written copy of spoof letter from imposters. 

I contacted My State Attorney General and filed an Complaint with her, i havent heard from her yet. 
Just today i filed an complaint with FTC ( Federal Trade Commission ). 

And im writing Cash App Pre-arbitration Policy about this matter. 

I want to fight this and get my {$1200.00} and all damages, stress, mental anquish and a compensation for all my stress and problems theyve caused me and my woman. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: SC

Complaint narrative:
This is not a duplicate! I talked with someone today concerning XXXX XXXX account- XXXX or XXXX. Her name is XXXX XXXX from the XXXX, SC office. The telephone number is XXXX. I asked for a copy of the of the original contract that I allegedly signed. She stated that by the account being so old that they didn't have a copy of the contract. So to my knowledge the account can not be validated. There is nothing with my signature proving that the account is mine. If they cant prove that I signed a contract this account should be deleted.

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 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My Mortgage was sold to Specialized Loan Servicing in XXXX. The monthly payment was {$1600.00} including the escrow for the flood insurance, home insurance and taxes. Effective XX/XX/XXXX my monthly payment increased to {$2400.00} because of escrow analysis in which the numbers do not add up. I have called several times and spoke to customer reps, who told me that I am paid up to XXXX, of which I have recorded. I have also used the message center to contact them.They sent me a message stating that they reviewed the account, and it reflects that the mortgage payment made on XX/XX/XXXX was applied to the XXXX monthly payment. The mortgage payment made on XX/XX/XXXX was applied to the additional principle, and if I would like the payment applied to the next monthly payment due for XXXX, to please advise them in another message. This does not seem to be correct, since I pay an additional $ XXXX $ XXXX monthly on my mortgage. I can not get anyone at this company to help me. I even requested for a company representative to call me back, and it has not happened. I would like your help in resolving this issue, given the history of Specialized Loan Servicing and their reviews. Thanks.

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 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I entered into a XXXX XXXX XXXX XXXX XXXX loan as a co-signer with my wife at the time when we were only XXXX XXXX XXXX in the year XXXX. We XXXX XXXX XXXX XXXXater in XXXX under very negative circumstances and have had nearly XXXX connection over the past XXXX years. Our XXXX decree stipulated that my ex wife was responsible for the XXXX joint loan as the vast majority came from her schooling and not mine. However, she stopped making payments a couple years later after filing for bankruptcy. Now my XXXX XXXX is devastated by this and I'm forced to make payments on her behalf. 

XXXX was unwilling to help connect me with my ex in order to share information. XXXX also stated that I am not eligible for a loan separation. I have had years of agony trying to ask for help on this topic and feel betrayed by the system that allowed a XXXX XXXX XXXX XXXX XXXX loan to happen in the first place. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I transferred my FFELP loans serviced by NAVIENT to DIRECT LOANS serviced by XXXX XXXX. I applied for this transfer ( re-consolidation from FFELP to XXXX ) on XX/XX/2022. The estimated payoff on that date per NAVIENT was {$110000.00} in subsidized loans and {$53000.00} in unsubsidized loans. NAVIENT received payment in full on XX/XX/2022 of {$160000.00}. {$110000.00} was paid to subsidized loans and {$53000.00} was paid to unsubsidized loans serviced by NAVIENT ( more than the amount stated when the re-consolidation was applied for at XXXX on XX/XX/XXXX ). Prior to transfer of these loans to XXXX XXXX these loans were in an XXXX payment plan. The payment amount was XXXX. NAVIENT now states, after the loans were paid off and transferred, that I owe NAVIENT {$92.00} per my conversation with them on XX/XX/XXXX. This is inaccurate. The monthly payment was {$0.00} under XXXX prior to the loan transfer/re-consolidation to servicer XXXX XXXX XXXX I do not owe NAVIENT {$92.00}. The entire loan amount held by NAVIENT was requested to be transferred to XXXX XXXX. No remaining amount should be held my NAVIENT. Moreover, NAVIENT was paid more ( additional interest ) than they stated the payoff amount was for these loans. The current interest rate on these loans is XXXX percent. Please assist with having this resolved as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a Home Depot credit card through citibank online and used my card in store with my ID in XX/XX/XXXX. I tried to get an increase so that I was able to purchase an oven but citibank refused and stated i needed to verify my identity which i did with the rep that I was sitting in front of in the store. The rep on the phone proceeded to tell me that my phone has to be in my name in order for them to text me and verify me. My phone is in my business name. Everyone does not have their phone in their name for various reasons so how dare them. So, I've received my card in the mail, various coupons but no letter from citibank. These people have continuously lied to me about sending correspondense and saying they will call my phone and they never do. They are intentionally sabotaging me. I have connected my bank account to my home depot card and even paid my first bill but they didn't stop that now did they. They took my money perfectly fine. I have verified my identity with several reps at Home Depot and they said that is not good enough. Then today XX/XX/XXXX a representative proceeds to tell me that they will send the XXXX letter to my address, not what i signed up with but the XXXX has. Excuse me, my address is listed on my credit report. This has been nothing but harrassment for a measly {$500.00} credit limit. This is the worst card ever and I do not recommend any one apply for this 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 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Spent hours on the phone, multiple calls, multiple attempts requesting to close my savings account due to poor customer service and company refused to close my account.

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 2022-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Something is very strange. We bought the house for {$140000.00} and took a mortgage out for that much and we have been paying for 4 years now, and the balance has only gone down {$1000.00}. 

Something seems wrong. 

Also, it is not clear whether or not they added {$7500.00} that Michigan for down payment assistance into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Account shows as a charge off and not Paid in Full.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On Saturday, XX/XX/2022, around XXXX XXXX  we ( my husband and I ) checked into the XXXX XXXX XXXX on XXXX XXXX  XXXX, XXXX Texas XXXX. We left our bags and went back to our brother in laws house. We returned around XXXX XXXX  with our children and grandchildren. We started to give them baths ( no showers ). The manager came and knocked on the door. He stated the room below us was flooding. We allowed him to go in. He checked the shower, flushed the toilet, and left. 

Upon check out ( XX/XX/2022 ) we asked for an invoice and he refused to provide one. We called the police and they obtained an invoice for us, we saw the charge for a broken showerhead. We reached out to our bank to dispute the charges and provided pictures. Our banking institution wrote : " It's unfortunate, but they stayed there and broke the shower head which caused the damages. '' Not only did our bank fail us by remaining neutral they also condemned us by stating we did something ( broke the shower head ) that we did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: MT

Complaint narrative:
I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NV

Complaint narrative:
I ordered a copy of my credit report and saw an account was opened fraudulently under my name with a company called XXXX XXXX on my credit report it shows a balance if {$6500.00} that was charged off. This is not mine, I need this to be removed. The account was opened around XX/XX/2021.

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 2022-10-25 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: NV

Complaint narrative:
I ordered a copy of my credit report and saw an account was opened fraudulently under my name with a company called XXXX XXXX on my credit report it shows a balance if {$6500.00} that was charged off. This is not mine, I need this to be removed. The account was opened around XX/XX/2021.

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 2022-10-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have received a collections notice on my credit report. I don't owe any money and this is the first time I'm hearing of this debt. I want this item removed from my credit report. 
Fair Credit and XXXX Amount {$10000.00} Account : 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