vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

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 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
XX/XX/XXXX Quicken loans employees said my escrow account payment short XXXX. Quicken loans employees stole XXXX. Property tax bill for XX/XX/XXXX. Quicken loans employees stole money from escrow account during months XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX and XX/XX/XXXX XXXX will be what I was told they will take. I paid first time mortgage payment for escrow account XXXX mortgage payment is XXXX new payment mortgage payment due XX/XX/XXXX XXXX. Quicken loans employees stole since XX/XX/XXXX. How do I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On a XX/XX/2021 @ XXXX XXXX, sir-mam I had got a phone call a robocall from an US bank from the phone number XXXX, concerning financial issues and I XXXX XXXX XXXX accepted an offer that was made by acts of the US Bank, my acceptance of the offer was hereby approved do the officials of US Bank agree or disagree with such an act of the US Bank. In addition the depositing of such funds hereinto my bank account no., is still in progress do the US Bank officials agree or disagree with the process as the funds are being deposited, thereinto my Bank account. In addition, sir-mam myself XXXX XXXX XXXX had an agreement for therein US Bank for a financial assistance as a consumer from acts of the US Bank sir-mam do you as an official for an US bank agree or disagree. You sir-mam as a US bank official must hereby respond hereto the cause or matter for the hereinabove within a 72 hrs. time frame thereafter receiving this legal notice do you agree or disagree. Your response hereto this cause or matter, concerning the hereinabove must hereby officially be within a written statement concerning the hereabove cause or matter do you agree or disagree. Also if you sir-mam do not respond hereto this legal notice, sir-mam you can and will hereby ruled within a default and therefrom that default proceeding ( s ) will hereby begin do you agree or disagree. Therefrom your written statement must hereby officially be delivered to myself, as a service hereto myself an XXXX XXXX XXXX, hereat this email-address XXXX. In addition this is a non-litigation notification.

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I closed down my XXXX internet account in XXXX of XXXX. At the time of closing I was told my account was paid up and it would cancel on the specified date. However, after cancelling there was one more bill of approximately {$60.00} that I was not made aware of at the time of closing and therefore missed the payment. It wasnt until pulling my credit report in XX/XX/XXXX that I saw there had been a collection made on my account due to the missed payment of {$60.00}. I immediately called XXXX to understand the situation and they told me by making the payment right then the derogatory mark on my credit report would be removed by the third party debt collector, Radius Global. After settling the debt with XXXX  I called Radius and they informed me the first time that they could not remove the late pay from my credit report and that it would need to be XXXX. I spoke with XXXX billing, collections, customer support, technical support, and their XXXX mailbox, all of which advised that since the collection went to a third party the 3rd party would have to remove the mark and they said we would remove it but can not since its been transferred to a 3rd party. When I called Radius back they told me they will not without written authorization from XXXX, due to high up executives at XXXX prohibiting this. I then called XXXX back again and the representative I spoke with in Collections said in her 18 years she has never heard of this happening and that the 3rd party can and should remove the mark from my credit history - there is no high up executive policy that prohibits it. The rep escalated the issue to her manager, and her manager spoke with her superior and all confirmed what the Collections rep told me, that the 3rd party can and should remove it from my credit history. 

Each time I contact either XXXX or Radius they continue to push me back to the other and say its their problem. XXXX says they would remove the mark if they could buy since its with a 3rd party they can do nothing. Whereas Radius says they would remove the mark if XXXX gives them written permission. However this debt has been settled and and neither are willing to help with the 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 explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

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 2021-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I stayed in XXXX XXXX, XXXX, NJ, from XX/XX/XXXX - XX/XX/XXXX. 

My father in XXXX had passed away in XX/XX/XXXX. Therefore, I had given 2 month ( 60 days ) vacate notice, as per my discussions with the Property Manager, and the General Manager at XXXX XXXX. 

Since my father in XXXX had passed away suddenly, and in order to attend to the remaining activities, and take care of my mother, I had moved to XXXX the end of XX/XX/XXXX. 

After returning back to the United States on XX/XX/XXXX, I had found to my disappointment that the XXXX XXXX XXXX, had incorrectly reported to the NATIONAL CREDIT SYSTEM, that I had not paid the rent from XX/XX/XXXX - XX/XX/XXXX, in the amount of {$6600.00}. 

Immediately, I contacted both the XXXX XXXX XXXX, AND THE NATIONAL CREDIT SYSTEM, to remove this collection amount that was incorrectly reported to ALL THE CREDIT AGENCIES such as XXXX, XXXX, AND XXXX, that I did not owe. Despite several requests, and in person visits, they neglected my pleadings, and threatened me that I owe the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i was contacted by XXXX XXXX on XXXX. Ms. XXXX, obtained an attorney, Mr. XXXX XXXX XXXX XXXX Mr. XXXX indicated that Ms. XXXX has funds that she could not access, and that she needed help. They both furnished copies of thier identification, along with supporting documents from the XXXX XXXX All documents were faked. The aforementioned indidividuals did create, and further produced bank account information that was totally false .... In an effort to assist miss XXXX, i did in fact send her {$750.00} ... It was all a scam ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I received a {$100.00} visa gift card for XXXX upon opening the gift card that had no signs of being tampered with I checked the amount on the card, the balance was XXXX. I informed the company XXXX who handles theses matters for this Visa card and they informed me to submit a proof of ownership via fax. I sent the company my license, original receipt, my contact info, front and back of the card and a hand written statement. I called back a week later and they said they did not receive anything from me although my fax machine said the paperwork had been sent. So I sent it again while the representative was on the phone. She said they did not receive anything on their end and my fax machine was stating the paperwork was sent. We checked the fax numbers, which were correct. So she advised me to send the paperwork via mail. Cut to XX/XX/XXXX, I call the company and they state that they never received my information via fax or U.S. mail and I should start the process all over again. After speaking with the customer service rep I spoke with a rather rude, and unhelpful supervisor, XXXX ID XXXX. I asked whether he could stay on the phone and verify that the company had received my information if I sent it again he states that there is no way for him or anyone in the department to verify whether they had received a fax which contradicts the initial lady I spoke with and makes no sense.

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 2021-02-23 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: TX

Complaint narrative:
I sent a certified letter on XX/XX/2020, received notification of its delivery to TransUnion on XX/XX/2020. I was disputing 4 accounts that are not reporting accurate statuses. However, instead of addressing or correcting the issue, TransUnion responded to OTHER items that I didn't even request disputing on!

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 2021-02-23 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
There is an account reporting on my account showing a balance owed from a company that was involved in a lawsuit where the company ended up sending me a check as a part of the class action lawsuit settlement. The account on my credit report is showing up under Lockhart, Morris and Montgomery. The original company/creditor is XXXX XXXX. XXXX XXXX was sued and ended up having to pay {>= $1,000,000}. I do not owe this company any money. The company sent me a check from the lawsuit. See the attachment to this complaint. I do not know why this company has this collection company reporting that I owe any money to them on my credit report. This is wrong. See the lawsuit notice/summary from the court that is attached. The lawyer 's contact information is listed on the notice from the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial is reporting XXXX  lates on my credit file. This auto loan is for my mother, though in understand it is in my name, and she has been experiencing a hardship. I try to help her when i can but with my situation and i could not help her these last few months. Again i understand this is in my name and i have been in contact with Ally about this and set up an arrangement to help my mom keep he car and to help keep my account in good standings. I was told through this arrangement lates would nit be reported to my credit file. I recently checked my credit file and noticed i have been receiving late notations in spite of our agreement. I need Ally Financial to remove these lates from my credit file.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$970.00}, {$550.00}, {$0.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$970.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AES/PHEAA
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I have an inquiry on my XXXX  credit report for Caine and Weiner from XX/XX/2019. I did not authorize this inquiry at all. I contacted XXXX  and was told to contact the company ( Caine and Weiner ) that made the inquiry to have it removed. I did reach out to Caine and Weiner and was told that they only placed a collection account on my report, not an inquiry. My XXXX report clearly shows an inquiry from this company on my report and I need help having it removed as it was never authorized. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION IS NOT LOOKING INTO MY DISPUTE THAT I HAVE PROOF SHOULD HAVE A ZERO BALANCE.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
They said there is not enough time to do a modification due to the sheriff sale being so close. They speak a different language they arent even from the XXXX. They have zero sympathy for what has happened to me and they want XXXX XXXX dollars to keep my house l. Insane. I lost my job in XXXX of 2019 then COVID hit a few months after and it was devastating. These mortgages companies do not care about Americans becoming homeless someone please help us. They will not. Millions of us are losing homes and they want all the months past due on the house are you serious l? How is that realistic?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation