vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I had been reading publications and seeing news segments about how consumers have been getting short ended by payday loan groups pulling funds intermittently out of their bank accounts. Well, this is extacly what has been transpiring in my case for the last 5 months. XXXX title loans pulls funds out of my checking account when first and foremost, I never gave them authorization to. They asked to see my debit card and I asked why. The representative stated, " because this is just to verify if the debit card is linked to your name and your account. For veification purposes only. '' Then, 2 weeks later I began to see charges from XXXX on my statement. I called the company and told them to stop taking money out of my account, and that I can sumbit payments to them through and online portal or by phone. They refused and week after week, having funds in my account or not, XXXX continues to give themselves authorization to pull funds from my account. Every time this happens, my bank hits me with overdtaft fees. When I address this to XXXX XXXX  XXXX and attempt to get refunded, they refuse to. With that being said, at this point, I'm not only being account jacked for all of my hard earned money, the bank holding my personal interests are allowing this and leaving me with multiple overdraft fees that they refuse to refund ; even after i called them multiple times to stop all transactions from XXXX Loans. I Had been out of work and in between jobs for 2 months, which is the reason I got the loan. Not only am I being forcefully locked into having a company forcefully extract funds out of my account, my bank allows it and collected over {$300.00} in overdraft fees. The biggest question I have is, are the Banks in on this consumer scam as well? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called EQUIFAX now more than 10 times to get this matter corrected. I may have even contacted CFPB regarding a similar situation with this organization. 

I have disputed an item on my credit report that should not be there but Equifax claim they received notice from the company claiming the information is correct. Well, it is not correct. My conversation with Equifax was via phone as I could not access my own personal information online with Equifax. 
I disputed again and now I have received at least 3 emails from Equifax claiming that they have completed my dispute and that I only have until XX/XX/2019 to reply. 
Again, I have tried time and time again to view this information online but have been unsuccessful as before, the Equifax system always give a notice of something along the lines of " can not proceed online '', " unable to continue '', " This page can not be displayed '' or something similar. No matter how many times I have tried to review the e-mail, I can never view it even from the e-mail that they send. 
As I mentioned, I have called this organization at least 10 times and they refuse to assist. They continue to say the same things over and over and over. 
Spoke with several people including a lady by the name of XXXX who is supposed to be a supervisor and she has been absolutely not help but constantly repeats herself over and over. 
I am SICK and TIRED of Equifax. Why do this company and the other two major bureaus even exist? 
Just to give you an example, please see attached documents. 
They give me until XX/XX/XXXX but yet, I disputed again on XX/XX/2019 and a notice came back saying " this is an unmonitored address ''. 
This needs to stop and stop immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Company Name XXXX XXXX XXXX XX/XX/XXXX certified mail. I mailed a letter to the creditor and they signed my certified mail and no response back from them. XX/XX/12/19 certified mail to follow up on XX/XX/XXXX dated mail I mailed a second letter and still heard nothing back from them. The amount is {$800.00}

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 2019-04-01 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: LA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
I recently became aware of the XX/XX/XXXX CFPB Enforcement action against Flagstar File XXXX.  I have the necessary documentation to prove that I was an " affected consumer '' under this action ( a copy of the Note from closing in XX/XX/XXXX and the assignment from when Flagstar sold my loan in XX/XX/XXXX ). I was never notified as required by this order. As a result, I was denied the opportunity to explore what modification options would have been available to me. 

I want a complete explanation of why my loan was not identified. I want a copy of my complete loan file. According to the enforcement order, Flagstar is required to retain my file until five years from the order date of XX/XX/XXXX. I also want a direct contact to deal with at Flagstar.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. 


I have been dealing with Equifax for almost a year trying to correct an error with my name. 

I have again, and again, and again, try to correct an error in my report with Equifax. They have me listed as XXXX XXXX XXXX! 

My name is NOT XXXX XXXX XXXX! 

My name is XXXX XXXX XXXX!. 


A few weeks ago I spoke with an Equifax employee who claimed to be a supervisor, but was clearly lying, as they will do anything to keep from getting there contacting a supervisor tally up. 

The poorly trained rap did not speak enough English to do their XXXX job, which is messing up my XXXX life. It is literally keeping me from being able to get credit or get a mortgage. 

This lying, poorly trained, poorly English-speaking rep actually deleted my proper name from the report when I had told her the Erroneous name is XXXX XXXX XXXX! 

THEY DELETED XXXX XXXX XXXX. 

AND KEPT THE WRONG XXXX XXXX XXXX!!! 


Please help me!!! 

This has not been resolved for over a XXXX year and they have now made the XXXX insane mistake, a staff member that was clearly not a true supervisor. 


Attached is a copy of their investigation report showing the insanely XXXX mistake they have made XXXX up my life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX 19 Citi Credit Card has not .Relayed all payment to Credit Bureaus. 
Thru out entire Credit history period with CITI CARD ..It causes a bad Reflection on my Credit Score .Citi provides Card Members free credit scores Provided thru XXXX .The last 6 month score 740 '' s currently XXXX and Same period.. 
XXXX provides free credit scores via my long term CREDIT UNION as a member has shown a 50 point difference ..800 's Considering closing my Citi 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 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
The issue I've been having is with XXXX XXXX, the provider of the XXXX XXXX service in Florida. I was a customer of XXXX until the end of XXXX, terminating my service on XX/XX/XXXX. My account was set to auto-bill to my credit card ; therefore the month of XXXX was paid up in advance and there were no issues. Subsequently, I received a bill for services provided in XX/XX/XXXX, with an auto-bill to my credit card for the full amount. I disputed the transaction for XXXX services with my credit card company and successfully had it resolved. 

XXXX then sends me a bill for XXXX services ( 2 full months after I've ended my service with them ). I call their customer service, and they tell me it is normal - it sometimes takes 1-2 months for the billing to clear up, and I should just ignore it. Then I get a past-due notice from XXXX towards the end of XXXX, with same results. Call customer service, they apologize and ask me to ignore it. Now, I get an official debt collection notice from a collection agency being used by XXXX threatening to put a negative item on my credit report ... and I have literally NEVER been late with a payment in my entire life on my credit report. 

XXXX 's practices of continuing to charge customers ( or at least attempting to ) months after the end of service and going as far as sending " unpaid '' bills to debt collection are outrageous and need to be stopped. I'm attaching documentation that shows the same ( if the opportunity is provided later ).

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 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
On XX/XX/19 I requested a payoff from my Mortgage Company, ( Carrington Mortgage ). At this time, I had not yet paid the month of XXXX. I noticed that the interest amount noted on the statement also included the month of XXXX totaling {$1900.00}. I also noticed a {$42.00} late fee which, per Carrington does not get accessed until the XXXX of each month. I called to speak with a Carrington representative and they told me to that I would have to pay the values shown or the payoff would not be accepted from my new Mortgage Company. They also stated that any the additional overpayment would be refunded to me once the loan was paid off. I paid the month of XXXX so as to be up to date and requested an updated Pay off. 

on XX/XX/19, I received a revised Payoff statement which no longer calculated a late fee but it is still holding {$980.00} for the month of XXXX. There are no recording fees or other fees noted on the last payoff statement. 

The mortgage was satisfied in full on XX/XX/19. I had a pending escrow balance to be returned to me in the amount of {$1200.00} as well as the {$980.00} advance interest payment for XXXX. The mortgage note in XXXX was no longer held by Carrington and was paid in full on XX/XX/19. After several attempts of attempting to reach Carrington and getting no response, I did receive the escrow check for {$1100.00}. They short paid {$91.00} with no explanation and to date they have not returned the overpayment in the interest for XXXX. I have attached copies of both pay off requests. A copy of a statement reflecting the escrow balance as {$120000.00} after my XXXX payment as well as confirmation of the loan payoff to Carrington on XX/XX/19 and the check copy for the escrow funds. 

Please help me get this resolved and the remaining balance of my overpayment returned to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: AZ

Complaint narrative:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations. Please immediately remove these fraud alerts Without my phone number these fraud alerts are useless. Please sent me proof the I requested these fraud alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights. Please send me a record of of the fraud alert request made by me or should I should subpoena such records, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations. Please immediately remove these fraud alerts Without my phone number these fraud alerts are useless. Please sent me proof the I requested these fraud alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights. Please send me a record of of the fraud alert request made by me or should I should subpoena such records, please advise

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 2019-04-01 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: VW Credit
State: SC

Complaint narrative:
- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with VW Credit   was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. VW Credit account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with VW credit, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with VW credit to not report this to credit bureaus - Received call from VW credit customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and VW Credit Biz Dev Rep Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 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: ME

Complaint narrative:
I submitted a Dispute and on XX/XX/2019 it was removed by Equifax. On XX/XX/XXXX they resubmitted the item on my report.WITHOUT send or Notifying me in any way! FCRA says I am supposed to be notified within 5 days. I never received anything! XXXX and XXXX, are not doing this ... ONLY EQUIFAX!!! 

XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: MI

Complaint narrative:
Equifax has a lot of my information in credit report wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with XXXX XXXX was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XX/XX/XXXX, which was promptly done. XXXX XXXX account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with XXXX XXXX, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with XXXX XXXX to not report this to credit bureaus - Received call from XXXX XXXX customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX  and Transunion in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and XXXX XXXX XXXX XXXX XXXX Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''

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 2019-04-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with XXXX XXXX was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. XXXX XXXX account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with XXXX XXXX, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with XXXX XXXX to not report this to credit bureaus - Received call from XXXX XXXX customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of Equifax and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.

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 2019-04-01 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: FACTUAL DATA CORP.
State: NY

Complaint narrative:
This is an inquiry on my credit report that I do not recognize.

Company response to consumer: Closed with explanation