vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
DATE : XX/XX/XXXX TO : XXXX XXXX XXXX, LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : CITIBANK N.A. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to XXXX XXXX XXXX XXXX  You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list CITIBANK N.A. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to CITIBANK N.A. to sell, exchange or provide any information to third parties, including XXXX XXXX XXXX, XXXX. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between CITIBANK N.A., myself and XXXX XXXX XXXX, XXXX authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to XXXX XXXX XXXX 
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.

All rights reserved. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: PA

Complaint narrative:
Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: NJ

Complaint narrative:
I noticed a negative report/account on my XXXX Credit Report XXXX XXXX TAB/SUNBIT collection/chargeoff for a Personal Loan for {$1700.00}. On the credit report status it stated the dated opened and the XXXX information, which I contacted and the number is no longer in service. I contacted transunion and submitted a claim and the next day, without providing me any documentation of their research they claim it was valid. This account was not opened by me and I wanted to have them further research the claim as fraudulent. This account does not show up on my other credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have a {$2900.00} debt collection on my credit resulting from an previous apartment that I lived in with my mother. I signed a lease, but she was head of household. We moved out and there was still a balance due. However my mother has filed bankruptcy since then and that debt has been cleared off her credit, but still shows up on my credit report. I need to get this charged cleared from my credit report, as it is hindering me from applying to future apartments. I should not be liable for this amount as it has already been put through my mothers bankruptcy. Its off her credit but not mine. Without this charge taken off I cant find a place to live.

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 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Last year XX/XX/2022, I applied for a XXXX removal. I was asked to pay for the appraisal. After paying out of pocket for the appraisal, my equity was still under 20 %. To go over 20 %, I called in XX/XX/2022 and paid on the phone an additional amount towards the principal o make sure I had over 20 % equity and requested XXXX  removal. The XXXX was never removed, and they have kept charging me for XXXX  even after over a year. I have called customer support numerous times. However, they haven't fixed the issue. According to the support, this was a mistake from the support person on the call as they did not pay the whole amount towards my principal and skipped that month 's automatic monthly payment. I keep getting told this will be fixed, and every few weeks receive a call from one support person. However, it has been over 2 months since I called them back again. Please help me get this issue fixed, and I should be refunded the last 1 year of PMI insurance payments. Below is the additional payment info from XX/XX/2022 when I paid the addition principal to go over 20 % equity. 

Additional Principal XX/XX/2022 {$41000.00} {$41000.00} {$0.00} {$0.00} {$0.00} {$440000.00} Lender Paid Expense XX/XX/2022 {$500.00} {$0.00} {$0.00} {$0.00} {$500.00} {$480000.00} Additional Principal XX/XX/2022 {$3300.00} {$3300.00} {$0.00} {$0.00} {$0.00} {$480000.00} Payment Reversal XX/XX/2022 ( {$3300.00} ) ( {$780.00} ) ( {$1400.00} ) ( {$1000.00} ) {$0.00} {$480000.00} Unapplied Funds Payment Reversal XX/XX/2022 ( {$500.00} ) {$0.00} {$0.00} {$0.00} ( {$500.00} ) {$480000.00} Principal Payment Reversal XX/XX/2022 ( {$41000.00} ) ( {$41000.00} ) {$0.00} {$0.00} {$0.00} {$480000.00} Additional Principal XX/XX/2022 {$41000.00} {$41000.00} {$0.00} {$0.00} {$0.00} {$440000.00} Lender Paid Expense XX/XX/2022 {$500.00} {$0.00} {$0.00} {$0.00} {$500.00} {$480000.00} Monthly Payment XX/XX/2022 {$3300.00} {$780.00} {$1400.00} {$1000.00} {$0.00} {$480000.00} Monthly Payment XX/XX/2022 {$3300.00} {$780.00} {$1400.00} {$1000.00} {$0.00} {$480000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am still in school, so my student loans are deferred. EdFinancial falsely reported to NSLDS that my loans are in default. As a result of this lie, I can not get a new student loan to finish my program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I purchased a car and used credit acceptance as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX of 2019. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I purchased a car and used XXXX XXXX as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I purchased a car and used XXXX XXXX  as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right.

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.

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 2023-08-04 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: MO

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 non-monetary relief
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery is furnishing multiple different amount over different reporting agencies and different information about the same debt along with information they got from pulling my credit history without my consent. Every month they change the payment, payment delinquent date, and other information, I disputed the account multiple times and every time they just put something they stole from my credit report, change something and keeps the collections on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Grain Technology, Inc.
State: FL

Complaint narrative:
Upon reviewing my credit reports from all three major credit bureaus, I have noticed that the late payment months do not match, which has resulted in a negative impact on my credit score. 

I believe this discrepancy is erroneous and has led to an inaccurate portrayal of my credit history. I maintain that I have made timely payments to the aforementioned creditor during the period in question. The conflicting information across the credit reports has caused undue hardship in my efforts to secure loans and other financial services. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and remove the inaccurate late payment entry from my credit report. I have attached copies of my credit reports from all three bureaus, highlighting the discrepancies for your reference. 

As per the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving this dispute. I request that you promptly communicate with the creditor in question to verify the correct information and rectify the inaccuracies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Imperial Recovery Consultants, LLC
State: MI

Complaint narrative:
IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from XXXX XXXX XXXX in 2019 and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother XXXX. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had XXXX hour to pay. I do have a payday loan that I owe on from 2019. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I had a XXXX altima XXXX that was totaled in XXXX and was paid off with wells fargo and never received difference for the gap insurance. 
And why I am I not part of the lawsuit with wells fargo. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: OH

Complaint narrative:
I purchased a used car with my girlfriend and received a loan in XXXX of 2017 from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the XXXX major credit bureaus. XXXX, XXXX and Transunion are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, Transunion and XXXX shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, Transunion shows a balance of something different! 

It's only one or the other, how can there be XXXX different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!

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 2023-08-04 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I was provided the 10 day payoff amount and paid in full on XX/XX/2023 in the amount of {$6400.00} and cleared my bank account on XX/XX/2023. Now they are trying to get another day of interest of out me and not reporting my account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report 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