vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Stilt Inc
State: CA

Complaint narrative:
I'm currently trying to pay off a loan with Stilt , IncXXXX XXXX # XXXX. I overnighted them a check viaFedex on Tuesday, XX/XX/2022 and they received the check on Wednesday, XXXX XXXX at XXXX. Tracking number XXXX ; proof of delivery attached. It's now XXXX XXXX and the lender is advising that they have not received the check and is refusing to help. XXXX was issued through escrow on a refi that I did, so the check is not drawn on my account. XXXX advised that they did not receive the check I asked if I can wire the money and they said that theydo not accept wire transfers. They only accept debit payments or XXXX, which does not work for thistransaction. I have been calling and following up with them for a week and they are not even looking forthe check. I was told on Friday XX/XX/XXXX and Monday XX/XX/XXXX that they were followingup with the warehouse where they recieve mail on the check. They said they would get back to me butthey never actually do get back to me. I'm getting badgering collection calls because my payment is nowlate. Soon they will report the account late to the credit bureau 's. Interest is also continuing to acrruewhile the payment should have been applied on XX/XX/XXXX. Customer service refuses to allow meto speak with a supervisor or XXXX who may be able to help. They are ignorning my requests forhelp to get the loan paid off. I have only held the loan for 9 months, so they are probably refusing toaccept my payment in order to continue to accrue interest on the loan. I need help getting them to acceptmy payment. 

After I initially filed this complaint, the company found my check and advised that they would backdate the payment and apply it to my loan. However, they did not do that and applied the check 7 days after receiving it, resulting in additional interest of over {$150.00}. They are now refusing to correct the payment date and properly refund me the overpayment amount. The check I provided was {$21000.00}, and the payoff amount due on XXXX was {$21000.00}. I should be receiving a {$430.00} refund, but they are refusing to refund me more than {$250.00}. Included here as an attachment is the email from them advising that they would backdate my check and post it to my account. Stilt provides the payoff amount online, and I watched the payoff amount increase daily between XXXX and XXXX. They applied my payment effective XXXX instead of XXXX in order to improperly charge me additional interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXviolated 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. 
Also this collection was Removed/Deleted from my account XXXX. XXXX, XXXX because I was a victim of the XXXX pandemic earlier during the time so I was jobless and homeless

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 2022-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
5/3 bank issued a garnishment on all of my savings and checking account assets due to fraudulent activity. Due to a levy by the State of Michigan, 5/3 bank unlawfully froze my accounts in an attempt to pay the funds to the State of Michigan although I was not involved in this garnishment furnished by a fraudulent company. 5/3 utilized my social security number provide by the perpetrator and currently has my assets frozen. A similar issue just happened with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Looking to file a legal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I submitted a previous complaint with CFPB and I am asking CFPB to reopen. Paragon Revenue is a Debt Buyer and I do not owe them. I asked for a " signed '' copy of the original written agreement that I owe a debt them. Paragon sent me an XXXX  Health Statement, as well as a printout of XXXX XXXX Treatment and Authorization standard lingo with a printed version of my name, as well as the signature of a witness that is unidentifiable. I do not owe this debt to Paragon Revenue. I had never heard of and only learned of whoever Paragon Revenue is by seeing their name on my credit bureaus accounts. 

The company did not provide me with the documents I requested which is a signature agreement that I " signed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr. Cooper has failed to pay my taxes, failed to reimburse me for my fees and interest I paid because they did not pay my real estate taxes, and failed to add the new parcel on my account so this wouldn't happen again. A year later I am going through the same motions of failed tax payments, house being put up for auction, and long overdue bill with fees and interest with promises of resolution this time. I am doubtful of success after the last 3 attempts to resolve this with them. 

I purchased my house in XXXX of XXXX through a different lender ( Nationstar? ) where it immediately changed hands to Mr. Cooper. My house has 2 parcels which were purchased appropriately, but in XXXX of XXXX, I received a letter of delinquent taxes for the one of the parcels where they didn't pay the taxes for the entire year and are about to put my house up for auction. I immediately paid the bill with fees and interest, where Mr. Cooper told me over the phone that they missed XXXX of the parcels with the Escrow Tax payments, were very sorry and have added the parcel back, and will reimburse the fees and interest. After no progress or update was done, I called back where I was able to get a confirmation email that they were supposed to have added the parcel back in, and are working to pay me for the fees and interest accrued throughout the year XXXX. No response or action despite follow-up calls, escalations, and faux promises. 

Currently, I have received yet another letter that I have a few weeks to pay this Real Estate parcel tax bill that Mr. Coper has failed to pay ( again ) or my house is going up for auction. 

I have no faith that Mr. Cooper will resolve this issue nor make restitution for their errors where I am looking for outside or legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TX

Complaint narrative:
My Ex husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/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 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: UT

Complaint narrative:
I have made arrangements with GC Services to repay my tax debt and have been making my regular monthly payments as agreed. 

GC Services continues to call and harass me monthly about setting up a plan to repay the debt. I have already done this! The most recent call was today, Monday, XX/XX/2022 at XXXX XXXX  XXXX. XXXX XXXX is the person who called on this date. 

They also called me on Wednesday, XX/XX/2022 at XXXXXXXX XXXX  XXXX. I believe XXXX contacted me on this date as well. 

I am very busy, I work from home and I am very tired of being harassed by a company I have already agreed to pay and make payment to. 

Please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 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: TN

Complaint narrative:
CREDENCE RESOURCE MANAGE. 
Continues to state I have a collection account for {$340.00} for XXXX XXXX XXXX. I never received written communication from XXXX XXXX XXXX or Credence Resource Manage for any type of account. This account was the result of a fraudulent act committed by a criminally abusive boyfriend who had access to my private information. He had no permission to use my information for his phone plan. They continue to post this on my credit report and I have to relive the pain caused by him each time they deny my dispute. I just want this to be over with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My statement period closed on XX/XX/02 and the bank did not issue a statement or deposit the interest accrued. I spent over an hour trying to get an answer from the customer service reps and received no help whatsoever

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, EXPERIAN, & XXXX has violated my rights. 

XXXX XXXXXXXX ACCOUNT # XXXX**** XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX Dept Of Treasury Account # XXXX 15 U.S.C . 1681 section 602 A states I have a right to privacy/ 15 U.S.C.1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion stated in their response to my complaint with CFPB and in a letter I received on XX/XX/XXXX from Transunion dated XX/XX/XXXX in response to my original dispute of XX/XX/XXXX, that the status ( as open ) and balances ( over {$100000.00} with the 10 students loans ) with XXXX in my credit report are accurate. In their letter they also stated that the documentation I provided did not meet their standards. Transunion also stated in their response to CFPB that their computer/internet system was " temporarily unavalible. '' First, it is impossible that XXXX could report that I still have open student loan accounts with them and with the balances reported. All my student loans were paid off and transferred to XXXX XXXX on XX/XX/XXXX ( and subsequently transferred again to XXXX ) as demonstrated in the XXXX XXXX XXXX Summary and Verification enclosed and the screen shot from my XXXX account. I am providing the official XXXX XXXX statement stating that the loans were transferred, the status is close and the balance is {$0.00} for all my student accounts. How is it possible that such document does not meet the " standards '' of Transunion? 

Second, I tried again today, XX/XX/XXXX to re-enter my dispute about the XXXX student loans into the Transunion website and after I finished entering the info and the supporting documents I received the same message than one week ago : " Dispute Temporarily Unavailable. '' I have enclosed the screen shot of the message of today.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX XXXX Transunion The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm submitting a complaint to all 3 major consumer reporting agencies. 

Equifax XXXX XXXX The accounts and inquiries in question are below. 

Equifax specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX Bank '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . 

XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX Bank. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. 

Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( 21!! ) need to pay from this money for my moms needs as soon as possible. 



Please, Do not hesitate to contact me if it necessary.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/2022 Three members of my family had their Experian accounts compromised. There is no two factor authentication which is unacceptable. None of us were notified that our login credentials were changed and assigned to an unknown email address. This problem is prevalent with Experian and when contacting them their only response is " we take security seriously ''. 

Their system give me zero option to talk to a live person. They should be fined for their negligence.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX Service # XXXX XXXX U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 response to consumer: Closed with explanation