vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: NC

Complaint narrative:
Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX Equifax and XXXX has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: IL

Complaint narrative:
I sent two R.E.SP.A QUALIFIED WRITTEN REQUEST on XXXX XXXX & XX/XX/2021 both time the servicer of the loan has not responded to my quest for documents I am requesting help from the CFPB to have Novad Management Consulting follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I closed on my mortgage in XXXX and my mortgage was set to end pmi in XXXX, I called to have it removed. I was told that because I was I. Forbearance they extended the date automatically to end pmi five years later. I explained to them that the forbearance does not change the terms of the signed agreement. They said it does and would not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
Paragon Revenue Group has been repeatedly harassing me. I have contacted them numerous times to settle this debt but they refuse to work with me. They have harassed me at work, told me I need to get a second job, and hung up in my face. They will not work a payment plan out with me despite the fact that I am a single mom working full time while in XXXX school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions.

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY

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 2022-04-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX IN # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-14 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: GA

Complaint narrative:
Hi I filed a chapter XXXX that was Discharged on XXXX. Experian is posting all the late payments, these accts we're all XXXX and should not show this it's affecting my approval to build my credit after filing Bankruptcy.

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 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
I contacted the hospital where I went to the ER and this is not the company I owe my debt to. They have repeatedly harassed me despite the fact I have made it clear that I know that I do not owe my debt to them and will not supply them with my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THIS FRAUDULENT ACCOUNT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.

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 2022-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: OH

Complaint narrative:
The school I attended filed chapter XXXX bankruptcy after defrauding me on earning potential and loan process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Lending Club Corp
State: KS

Complaint narrative:
There is a clear billing error here. This account was on auto draft since I first opened it with the same bank account. Somehow their system made an error and they refuse to correct the billing error. The 2 loans that I had out with them somehow went 30, 60 and 90 days In XXXX, XXXX and XXXX of 2020. Theres 2 big issues I have with this. 1 I was never ever contacted by them for any late payments nor was I given an option to rectify the late payments before they through it on my credit report. Where was the grace period notice in this billing error? That is a clear violation because the error was completely on their end and not mine. Two how were they able to report these false late payments in the middle of Covid-19? Does the cares act not take into effect here at all? These payments should not be reporting late on my account due to billing errors but The Lending club refuses to remove these payments further violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : 1. XXXX Bank Account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. 

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY

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 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions.

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX has called my Husband and my Son looking for me. When they called me I refused to " verify '' the last four of my social security number. They claim that I took out a payday loan in 2011 from a place called Check Smart Loans over the internet. I looked up their website and it's very suspicious to me. 
Their website address is XXXX The phone number they have listed on their site is XXXX and they called me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payment being done in the month indicated in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
We had a fradugulent modification with XXXX  back in XXXX they then had us sign a new mortgage with them they bascially had there hands slapped like other mortgage companies and t away with it now XXXX  back in XXXX sold our loan o Rushmore loan management and they have increased out mortgage by XXXX dollars a month by stating a new escrolled with taxes even after XXXX just did this in XX/XX/XXXX which they had our new taxes why do mortgage companies get away with this not suppose to change the contract and now we cant even delete our insurance off escrow because of the contract we signed with XXXX  why should the consumer have to pay for this please help us this doesnt seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We ( XXXX XXXX XXXXmyself and XXXX XXXX XXXX my daughter ) opened two separate saving accounts with Citi Bank via phone ( last week of XX/XX/XXXX ). We instructed Citi Bank to withdraw {$50000.00} each from our joint account at XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Note that we had sufficient funds ( $ XXXX ) to process this transaction. ( we have sent the proof to Citi Bank ). Citi bank sent two requests to our bank XXXX to transfer $ XXXX each to our new account. XXXX told us that Citi sent two duplicate requests. ( The request came to two counts of $ XXXX each to transfer to Citi bank in the name of XXXX XXXX. Citi should have sent two requests $ XXXX each one for XXXX XXXX and one for XXXX XXXX ). Since it was duplicate request, XXXX rejected one of the request and transferred $ XXXX to Citi bank. XXXX sent $ XXXX in the name of XXXX XXXX. Citi Bank credited $ XXXX to XXXX XXXX 's account, instead of XXXX XXXX 's account. Citi bank sent us a letter that my account ( XXXX XXXX XXXX is closed because of a fraudant activity ( XX/XX/XXXX ). On XX/XX/XXXX I deposited $ XXXX to my Citi account. It has been more than 4 months, I sent numerous emails to Citi bank to let me know what the reason of closing my account and refund the money. So far Citi bank hasn't sent me the details of the issue and also hasn't refunded money ( $ XXXX ). 
The issues are : 1. Citi bank credited $ XXXX to the wrong account ( the money should have been gone to XXXX XXXX 's account, not XXXX XXXX 's account ) 2. There is no reason that Citi bank should closed my account, as I had sufficient cash to fund 2 new account $ XXXX each. It was Citi Bank 's mistake to send a duplicate request. 3. Even after closing the account, Citi bank hasn't refunded the money back to me. 4. Citi bank should send me details why $ XXXX was deposited to XXXX XXXX 's account, not the XXXX XXXX 's account. 5. I opened this account in response to Citi bank 's reward program. Since it is Citi Bank 's mistake, Citi bank should still credit this award to me, along with refunding $ XXXX and the closing balance. 6. A penalty should be imposed to Citi bank, causing this mistake and wasting their client 's time and efforts and not refunding the money back to the client in a timely manner. 
I have sufficient documentation to support above details.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Tried to transfer the points I earned and my account was being reviewed. Can't book the flight I want to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I requested a temporary suspension of payments with XXXX XXXX on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. XXXX XXXX responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor XXXX  XXXX  was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, XXXX XXXX appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2022-04-14 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: GA

Complaint narrative:
Hi I filed a chapter XXXX that was Discharged on XXXX. XXXX is posting all the late payments, these accts we're all discharged and should not show this it's affecting my approval to build my credit after filing Bankruptcy.

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