vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: LEXISNEXIS
State: WI

Complaint narrative:
Related to reference # XXXX My wife called on XX/XX/2021 to dispute a judgement that appeared on her report and called back on XX/XX/2021 to confirm whether it was also on mine. After I gave the ok for her to talk to my wife, the phone rep confirmed it was on my report, and my wife asked that it be removed. She indicated a dispute had already been filed and it can take up to 30 days. 37 days later, the bank pulled our credit, and while it's finally been removed from my wife 's record, it's still on my mine ( though there's now a note that the judgment was released ). We called LexisNexis and were informed that a dispute was never initially filed under my name ... even though my wife was reassured numerous times over that once the resolution was provided, the judgment would be removed from BOTH reports. She called again today ( day 49 ) and still no resolution has been submitted. The phone reps are limited in their abilities and the " dispute team '' is unresponsive. Do I have to file a lawsuit to get this resolved!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Received information from " Equifax '' informing me of a background investigation bring run on my file. The website on the link is not a creditable website from Equifax. The phone number from where the text message was received is XXXX XXXX XXXX XXXX XXXX, the link is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
in XX/XX/2019 i made hotel reservation thru Chase Travel, and paid total {$1000.00} for hotel in Greece.Hotel cancel my itinenary due covid 19 and notified Chase travel for refund.Chase Travel sending me notification about processing a refund, but not refunded yet. i spoke with dozen suprvisors over 12 month period and evryone agree that they unlawfully holding my money, but they have limited tools to help.its disgraceful.please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
Google Payment Corp. ( GPC ), which administers Google Play balances in users Google Payments account - refuses to redeem 4 Gift Cards of {$10.00} value each. On XX/XX/XXXX, I attempted to redeem these at the play.google.com/redeem webpage and received the message that " The code you entered has expired ''. The text printed on the cards under Terms & Conditions states " No fees or expiration dates applicable to this card. '' The website referred to on the card - play.google.com/about/card-terms.html that provides the extended Terms and Conditions - specifically says in Section 3 No Fees or Expiration. " No fees or expiration dates apply to this Gift Card or Credit. '' On XX/XX/XXXX, I contacted Google Play support at the link available through the Learn link. I corresponded with their support over 8 days with more than 6 email exchanges. I was repeatedly asked for the receipt for the cards, and if I couldn't provide a receipt, there was nothing they could do for me. As these were A GIFT, I do not have a receipt. You can find screen shots of the redemption rejection, and photos of the card with Terms and Conditions text. I can provide all 4 card codes upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NV

Complaint narrative:
This message needs to be priority. I don't feel safe contacting you guys through phone anymore. Ever since I paid off my personal loan on XX/XX/XXXX at the branch, there seem to be some 3 withdrawn that wasn't made by me. and it still you guys are charging me for a personal loan, when i literally paid it off. 

fraud transaction 1 ) XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller - {$5000.00} 2 ) XX/XX/XXXX Cash Withdrawal XXXX # XXXX Citibank ATM XXXX XXXX TXXXX XXXX XXXX XXXX XXXX, NV - {$1000.00} 3 ) XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller - {$8000.00} and why am i still being charged for this? 

XX/XX/XXXX ACH Electronic Debit - CITIBANK LOAN EZ-PAY - {$310.00} Once again, my account seem to be hacked and i don't know who to trust or who is doing this to me. I want my money back!! I might need to get a whole new account number or something needs to be fixed. I have already blocked my debit card since i don't feel safe around you guys.

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 2021-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: KS

Complaint narrative:
AVANTE USA at XXXX XXXX XXXX XXXX XXXX TX XXXX. Has been sending me collection notices in the amount of {$1900.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: OH

Complaint narrative:
On XX/XX/ 2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, XXXX and Transunion ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XXXX XXXX, 2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.

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 2021-05-13 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: OH

Complaint narrative:
On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( Equifax, XXXX and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights.

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: OH

Complaint narrative:
On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, Experian and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.

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 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
This was added to my credit report with out any mailing or notice. I demand that they show this debt is mine and that they are even allowed to collect in my state. Show me were I signed and if this is still within the statue of limitations for my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I have disputed the value of the bpo given by Mr.coopers representative for months. 

I have now as of last week requested a full Appraisal on the home and come today XXXX. I was told that no new evaluation of the home can be done for 120 days from the first evaluation. 

They ( Mr.cooper ) Continue to give the run around and do not have their customers best interest in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
The debt is with XXXX XXXX XXXX. The debt was paid with a settlement offer by XXXX. The amount was XXXX and settlement was XXXX. The company never notified the credit union. Telcheck took payment on XX/XX/2021. The reference number Company : TELECHECK SERVICES C-3 Reference Number : XXXX Acct : XXXX Rounting. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
According to the Fair Credit Reporting A ct, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I received a text message reportedly from Speedy Cash claiming that I had been approved for a loan for {$5000.00}. As I had been in the market to obtain loan recently I took it to be a legitimate offer and contacted the number listed on the text message. The gentleman I spoke with had a very heavy XXXX or XXXX  accent claiming his name was XXXX XXXX, took down all of my information as if you were taking a normal loan application. Near the end of the call I began to get a bit apprehensive when he asked to obtain my online banking login username and password. I provided the information as requested, knowing that I can immediately change the information. He then stated they needed to confirm some information with the login information I given him I would contact me again in 15 minutes. When the time came to contact me, he called me back and told me that he was unable to deposit the funds into my account because my credit score was too low and the credit bureau was not allowing the payment to go through. At this point I knew that he was a roster because I am well aware that the credit bureaus have no input or control over who deposits what where. Then he told me that the reason be deposit was declined is because my credit score was too low. I advise him calmly that my credit score is currently at a {$700.00} and I'm able to look at it in real time through my bank and online banking service. He kept interesting that I needed to do something to raise my credit report score by 25 points and in order to do that they would be willing to make a series of small deposits into my account on the condition that I pay them back. He offered to deposit {$1000.00} into my account stating that I was to pay it back to them immediately about that my credit score. At this point I confirmed his first and last name and attempted to get a phone number other than the one I already have on hand and he immediately terminated the call while I was speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: LA

Complaint narrative:
I still have unverified accounts that are posted to my TransUnion credit file that have been disputed on four separate occasions ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) without any verification documentation sent back to me from this company showing me how they have been verified or who they verified these accounts with and the contact information of those companies/persons. I sent four separate dispute letters to TransUnion requesting that they provide applications signed by me for these accounts to show proof of verification, however, none have been sent. I have also requested that they remove any and all accounts that they can not adequately verify with a signed application for credit with these accounts. I have suffered damages as a result of these unverified accounts remaining on my credit file and will be litigious pending the immediate removal of these erroneous accounts.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Refinanced my home in late XXXX through XXXX XXXX, and generally had a very positive experience. My previous mortgage was being paid via electronic transfer every two weeks. We asked for this same protocol of biweekly automatic payments from XXXX, and that was agreed to, at no additional charge. 

In XX/XX/XXXX, XXXX wrote to inform us that that they had sold or re-assigned our loan to " Mr. Cooper ''. We were prepared for this, as it was a condition of the XXXX refinance and we have experienced it before with other refinancing transactions. 

What we were NOT prepared for, and what we are seeking assistance on from the CFPB, is that Mr. Cooper is seeking to charge us a fee in order to continue biweekly payments on the mortgage, which we estimate will cost nearly {$900.00} over the life of the loan. By continuing to pay biweekly ( rather than monthly, the default with Mr. Cooper ), we expect to save over {$5100.00}. 

On the FAQ from XXXX, it says the following : " Can the new servicer change my loan terms, due dates, or grace period? Your loan terms will remain the same. 

Both XXXX and Mr. Cooper say that biweekly is a " payment option '', not a term for the loan. But how can the " same loan '' originated at XXXX cost me nearly {$6000.00} more if I opt for the no fee payment option? And how can the biweekly payment option that was foundational to my XXXX XXXX cost me extra to continue. 

Stated differently, Mr. Cooper is charging me nearly 20 % ( ~ {$900.00} ) of the savings ( ~ {$5100.00} ) that I rightfully expected, based on my original deal with XXXX to accept payments on a biweekly rather than a monthly basis. 

Surely I am not the only consumer facing this unfair and predatory treatment. If CFPB is not working on this issue, it should be. If you have the power to make Mr. Cooper drop their {$65.00} annual fee to make bimonthly payments, you should apply that power NOW, in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I received numerous emails and calls from TrueAccord. On XX/XX/2021, I replied to the email stating, " I don't consent to being contacted at all '' by the company, so no phone calls, text messages, or emails about the supposed debt. By XX/XX/2021, I received an additional six letters in the mail from TrueAccord despite asking them to not contact me or anyone I know. I reiterated this to them and clarified on this date that I would seek compensation for violation of my FDCPA rights if they continued contacting me. 

Today, XX/XX/2021, I received three additional text messages from TrueAccord, again trying to collect a debt that I've never even made aware of. ( Their messages just keep stating that they're trying to collect a debt but never told me who, how, why, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase card is reporting a late notation for XX/XX/20 and ask that they please remove it. Due to Covid, I suffered financially and have done my best to stay current and make all my payments on time. Prior to this, I had no lates and have not been late since. I was just having hard time with the holidays and my hours being cut because of Covid. I was surprised to see that Chase is still however, reporting lates on credit during a time of hardship for people. Under the CARES act creditors were supposed to take lenience on credit reporting because of events surrounding the pandemic. I ask that Chase please take leniency on my hardship and remove the XX/XX/20 late as a one time goodwill adjustment.

Company response to consumer: Closed with explanation