vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 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: GA

Complaint narrative:
I have a hard inquiry that is listed on my report. I have called Equifax to have it removed because I do not have an open account with the company. They stated that I needed a FTC report. I do not have an account with the creditor, I have not initiated, authorized, or gave permission on any transaction with listed consumers. 

I have requested that the inquiry be removed. When I spoke to Equifax they told me the do not abide by the the laws but go by their policy to have a report. I told them that I could not file a police report, as there is not active account open, I have not lost any money or no accounts have been obtained. 



I advised they are in violation of Fair Credit Reporting Act 15 U.S.C. 1681b. A person should not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized. 



It requires that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. 



Equifax told me they did not care about the law and to file a complaint with FTC. I told them that I was aware In XX/XX/XXXX, Equifax settled a lawsuit stemming from its XXXX data breach, which exposed the personal information of 147 million people. Under the settlement with the FTC, CFPB and state attorneys general, Equifax has agreed to spend up to {$420.00} XXXX to help people affected by the data breach. 



If my information has been breached by their company they should abide by my rights as a consumer to remove the incorrect information. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.15 U.S. Code 1681 I can seek damages from a business that violates my rights under the FCRA XXXX They told me they did not care and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: MO

Complaint narrative:
On XX/XX/2020, I called TransUnion to challenge the public record item showing on my credit file with them. The supervisor named XXXX replied stating that the record was verified with XXXX XXXX, but provided me the telephone number XXXX. That was strange to me because that is a XXXX XXXX area code, and to my knowledge we dont have a XXXX here, so I called and indeed it was NOT XXXX, it was the US Bankruptcy Court. So I spoke to someone in the courthouse, and they stated that they do NOT EVER validate or confirm bankruptcies. I have been writing and calling for an update on this item per the FCRA privacy law to no avail. Per FCRA section 609/a/1/a, the credit bureau must provide physical verification from the original consumer, as I've requested time and time again, if they can not this item must be eradicated as it is a violation.

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 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: AR

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a call from a XXXX claiming to be from Universal Collection Systems. She simply told me to pay a debt of {$50.00} and then asked for my card details. It seemed suspicious to give my details over the phone so I asked for a website and put the information there. I still find it strange that a debt collector needs my card number, expiration date and the three numbers on the back. I was never told what the debt was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a Personal Loan with the XXXX XXXX XXXX " Citizens One Loan XXXX '', back in XX/XX/XXXX. I was approved for the loan. I paid off the loan XX/XX/XXXX. Originally I was told that I would be billed through the XXXX XXXX XXXX XXXX, and every payment would be reported to the credit bureaus. Now that I have paid off my Personal Loan in advance, Citizens One ( Citizens Bank ) is refusing to notify the credit bureaus that the loan was satisfied in good faith. And they make it very hard for you to pay them. The payment options are unjust and should expand. The financing company refuse to be linked to other banking institutions, refuse to give the customers their payment address and contact information in order to pay through the customer 's banking institution. ( Unable to make payments through the customers BILL Pay Option ). They lack transparency. Now Citizens One aka Citizens Bank informed me that they only report late payments to the credit bureaus and they are no longer reporting when a Loan is paid in full! This is unfair and unethical. My timely payments should reflect on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have two issues with Navient : I called requesting that all monies paid for my loans that are subject to forbearance under the CARES act be returned. The representatives gave me a difficult time, although I see several Direct loans owed by the US Department of Education in my account statement. 

I, also wanted to exercise the forbearance opportunity under the CARES Act. I understood them to say that my loans were under them, and the forbearance that I had in the past was through Navient not by way of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter dated on XX/XX/2020, requesting the company to remove inaccurate information from my credit report that is on file with them. The company sent a response dated on XX/XX/2020, deleting some of the inaccurate information but left XXXX bankruptcies in the public records section. I sent a Method of Verification letter dated on XX/XX/2020, requesting how the information of bankruptcy was verified as my right as per the Fair Credit Reporting Act ( F.C.R.A. 611 ( a ) ( 7 ) -to request a complete description of all methods used to investigate my dispute ). 

To the date of this complaint, I did not receive a response and the company had fifteen ( 15 ) days to provide a response to the Method of Verification as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: FL

Complaint narrative:
i have send dispute letter to Equifax on the account that are reporting incorrect information after 30 days no response so the account i would like to be removed and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EVERY NUMBER I TRY TO REACH A LIVE CUSTOMER SERVICE PERSON CUSTOMER AT EXPERIAN LEADS TO AN ENDLESS LOOP OF QUESTIONS AND NO OPTION TO SPEAK WITH A LIVE AGENT. THE NUMBERS I HAVE TRIED INCLUDE : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. I CAN'T BELIEVE THIS COMPANY IS ALLOWED TO GET AWAY WITH HANDLING ALL CUSTOMER SERVICE BUSINESS BY A RECORDING. I AM REACHING OUT TO MY LOCAL, STATE & FEDERAL OFFICIALS TO COMPLAIN ABOUT THIS ISSUE.

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 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
There is a company, Franklin Collection, saying I owe {$250.00} and has popped up on my credit report. I do not know this company nor do I owe this debt. If this debt was valid, I would have received a notification that I owed this debt. I have not received anything in writing verifying I owe this debt or who this is owed to. This is not right nor legal and needs to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
We paid off our Mortgage on XX/XX/2020 with Berkshire Bank. The bank owed us an escrow refund. They say they sent the check on XX/XX/2020. We did not receive it. We called on or about XX/XX/XXXX to report this. They told us we had to wait 30 days from the first mailing date to request a new check. We called back on XX/XX/XXXX and they said they would issue a new check. We called back on or about XX/XX/XXXX to report we had STILL not received it. We were told the check was not issued on XX/XX/XXXX but actually XX/XX/XXXX! So now we're waiting again, as we have still not received it. It has now been nearly 90 days since we paid off the loan and we have yet to received the refund of our escrow amount. They continue to hold OUR money and appear to have no clue what is going on. They further refuse to issue us the funds by some other means ( like a bank transfer ) and insist the paper check through the mail is the only way they'll do it.

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 2021-01-30 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: FL

Complaint narrative:
i have send dispute letter to TransUnion on the accounts reporting and listed in the letter and i have not received any response so i am asking the remove and delete the account after 30 days fair credit report act laws.

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 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am about a month ahead in paying my mortgage premiums. I habitually go online, make my mortgage payment and add additional funds to go toward the principal. Most recently, and three times now, Mr. Cooper has taken my payment and applied it entirely to the principal balance. I do not want this! I specifically allot the payment to 1 ) house payment & 2 ) additional principal. I can't understand why they are not following my directive.

I have called to have this corrected for last months payment & low & behold, it's happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information, by saying that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must 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 2021-01-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Equifax on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me to give to Equifax. Again I called Equifax to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately. This would be the second time Ive submitted a identity theft report, the first time it was faxed on XX/XX/2020 at XXXX. They verified they had received it, STILL NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I live in the XXXX floor of a XXXX story residential building that is actually located in a flood zone. My mortgage lender is threatening to impose a lender imposed supplemental flood insurance policy since the condo association master policy allegedly does not suffice needed coverage. XXXX XXXX covers a little over XXXX K per unit and they are requiring XXXX XXXX I really think is abusive and even stupid to require that I pay for extra flood insurance when in fact I live in the XXXX floor. It will require a tsunami to hit XXXX in order for my unit to get flooded. I believe this is an abusive practice and I feel that consumer need to be protected against it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent disputes to the credit bureaus because of some incorrect items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I asked Transunion to investigate items on my credit report that were not accurate. I was very specific about the items and included all the details. The company took more than 45 days to respond to my initial dispute. Legally, because of this all items in question need to be deleted because they could not verify within the legally allowed amount of time.

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 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
I have a online account with MoneyGram to send money. Something happened on my account and MoneyGram close my account without give me right to appeals his decision. And tell me I cant use his online service anymore. 
I want to fix this issues and MoneyGram can allow me to use his online services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent disputes to 3 credit bureaus for inaccurate information and i haven't received any response

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 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
An account showed up on my credit in the amount of {$890.00} for a debt that I am not aware of

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 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
4 years ago, XX/XX/XXXX, I terminated my XXXX account. They had told me as long as I return the phone, it will terminate my contract with no fees. I went into the XXXX store and returned my phone. I asked the representative if I owed anything at all, several times, to which they said no and provided me a receipt saying that I owed {$0.00} to XXXX. I thought I was all clear. 1 year later, XX/XX/XXXX, I applied for a loan on a car and XXXX showed up on my credit report saying I owed {$680.00}. At the time, I luckily still had the receipt. I went into the store and provided the receipt. The representative said that they would take care of it, I did not owe anything to XXXX and they would send a letter to IC Systems saying that I did not owe anything. Again, I thought I was clear. 3 years later, XX/XX/XXXX, I am applying to buy a house and again XXXX shows up on my credit report with the same charge of {$680.00}. I immediately call XXXX, I speak with a supervisor named XXXX. XXXX says that I do not owe anything to XXXX and it is just though the debt collector IC Systems. He said that he sent a note to IC Systems that I am clear of all balances to XXXX and do not owe anything and I could call IC Systems right away. I got part of this conversation with XXXX recorded because when I asked for a receipt of this, he refused. Upon calling IC Systems, I find nothing was sent to them clearing my balance and I ask for a receipt and they also refuse on their end. I try to call XXXX back and can not get a hold of XXXX and get hung up on not once but several times. Finally I manage to get a hold of a supervisor, who was absolutely rude and says that the balance above is from terminating my contract early ( first time hearing this 4 years later ). I looked it up online and it says that for XXXX in some cases there is a early termination fee, of $ XXXXmonth with a max of {$350.00} and {$100.00} for the phone making the {$680.00} not possible. Upon asking, they have never been able to fully explain the charges just the overall number. However, I was told for the past 4 years that I did not owe anything and had {$0.00} balance anytime I spoke with a representative. Nobody has even tried to contact me for the balance in the last 4 years, I only found out through my credit reports. Please resolve this as XXXX and IC Systems has ruined my credit for a reason I am not responsible for and for the past 4 years.

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