vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi my name is XXXX XXXX XXXX and as this complaint is for Experian. They needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021

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 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
WHEN I DIAL XXXX XXXX XXXX PROMPT SAYS THAT I HAVE XXXX ACCOUNTS : XXXX, AND XXXX. 
XXXX???????? 
XXXX WAS TRADED IN XXXX OF XXXX TOWARDS ANOTHER XXXX AT XXXX XXXX ( PLEASE SEE ATTACHMENT ) I HAVE NO RESIDUAL OBLIGATIONS FOR THE XXXX THAT WAS TRADED. 
ONE AGENT TOLD ME THAT I OWE OVER {$300.00} BECAUSE I, " DIDN'T CANCEL MY PLATE. ''???????? 
TODAY, XX/XX/XXXX, A, XXXX TOLD ME I NOW " OWE {$100.00} FOR A PROPERTY TAX. ''????? 
GET THE " {$100.00} '' FROM XXXX XXXX WHO CLEARED THE XXXX AS A TRADE, PLEASE!

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 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
We ended our forbearance with Mr. Cooper ( Nationstar ) in XX/XX/XXXX. As of yet we can not get them to provide updated statements with payment & date due, have not sent us any information by mail or to our Mr. Cooper online account. They took {$990.00} from us when I called them on XX/XX/XXXX to see what was happening and they said that amount was due by XX/XX/XXXX which was only 3 days later and NO ONE had contacted us stating that amount was due and by XX/XX/XXXX. Had I not called to try to get an update we would have missed it. Just tried to get more info over the phone yesterday ( XX/XX/XXXX ) and the woman totally gave me the run around, could not answer any of my questions, sent me something by email I could not even open. I'm scared they are trying to set us up to take our home- this company is notorious for being shady! They shouldn't be allowed to be in business. They stole {$400.00} from us a few years back and I simply do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 Has violated my rights. These account has also been removed by XXXX, and XXXX. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand Experian to remove these two accounts.

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on XXXX an exceptional payment history that I do not recall. And it's showing on Experian as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my transunion credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my Experian and XXXX credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am following up on a collection notice I received stating that I owed unpaid rent for XX/XX/XXXX in the amount {$1100.00} due to me moving or lease termination. I am still living at the address in question uninterrupted since XX/XX/XXXX and have not missed any payments. 

I previously addressed this issue in court in XXXX and the case was dismissed since I did not owe the funds. I was unaware the collection remained until completing an application to rent another property and I was contacted by mail from a collection agency trying to collect on the same debt.

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 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  SXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I submitted a CFPB complaint on XX/XX/XXXX COMPLAINT ID XXXX in which the response from Mr Cooper did not address the actual issue. I am aware that I am no longer on a forbearance plan and that ended in XXXX as that is why I made the call to address the payment date issue we were left with. The problem we were left with was the due date is the XXXX ( 6-7 days before my husbands check ) each month. I discussed this with forbearance department and we discussed options like modification and putting the amount at end of loan as I junior lien, or a payback plan for what was needed etc,, I was transferred to someone in forbearance department whose name was XXXX who told me ON A RECORDED LINE about a new option Mr Cooper was offering customers that just started. She said I was able to make my monthly payment at ANY time throughout the month for the next 12 months and NOT RECEIVE ANY LATE FEES. I said that was wonderful and would be a great solution for me and I already started paying extra to put in suspense/unapplied funds to total the monthly amount due and could just continue doing that over the next year or until I reach a full extra payment since the due date can not be changed to jump ahead. 
I made my payment in XXXX, XXXX and XXXX, XXXX now only to find a late fees on my account in XXXX. When I called MR Cooper to question the late fees, I was told there is no such assistance available and I was told incorrect information on a recorded line. A escalation department pulled the call and verified after listening to the call what I am saying was accurate but is not holding to what I was told by MR Cooper on that call XXXX. This is NOT acceptable as I had monthly budgets surrounding over paying monthly t o reach one full payment in suspense /unapplied funds account to jump ahead a month to pay by the XXXX. This is not fair treatment to me as a customer especially on a FHA loan. I need better assistance and accountability from Mr Cooper to assist after being told FALSE information and late fees {$68.00} charged to my account. I have been directed to file a complaint with the Attorney Generals office if this is not resolved. My resolution I am asking for is that I am given proper time allowance to make a extra monthly payment of around {$75.00} each month until I reach the {$740.00} I am short to get ahead of my monthly payment like I was told I could and do this with NO LATE FEES charged to my account monthly like I was told by your forbearance department on XXXX and ALL FEES REMOVED. I also am requesting a written transcript of my recorded conversation from XXXX to be sent to my home address or email ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: PA

Complaint narrative:
I received a debt collection notice from Credit Control regarding a XXXX XXXX account they claimed I owe. I immediately sent out the attatched form for debt validation on XX/XX/22. On XX/XX/22 I received a phone call from them telling me I owe money and how am I going to pay. This is in violation of the FCRA rules as I had not received anything back. I said I had requested validation and was told that YES they did receive it and it has not gone out yet. He then warned me to be on the look out for a thick package as they have all kind of paperwork and told me to make sure I have this XXXX number written down because once I get it I need to call them back and talk about paying. They are not supposed to attempt any kind of collection activity until they send me validation

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 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: ID

Complaint narrative:
My truck was totaled and paid in full to American Credit Acceptance from XXXX XXXX. The truck was totaled on XX/XX/XXXX and paid in full to their office over the phone by XXXX XXXX on XX/XX/XXXX. I still get daily emails from them about an overdue balance. I paid the late fees {$100.00} XXXX days ago also and that hasn't been updated either ( which I realize could take longer to process ). I have contacted them on numerous occasions and the keep telling me that they still haven't recieved payment. I have told them multiple times that I have the invoice stating it was paid in full on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I was sent a medical bill for {$180.00}. This bill was sent incorrectly to me as it should have been sent to XXXX Municipal Court. I provided all the information necessary so the invoice could be properly addressed yet they continue debt collection attempts via phone and mail. I have spoken to the supervisor XXXX that this is in error and gave a complete explanation. I even informed XXXX I never gave consent nor agreed to be the guarantor of said invoice.

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 2022-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: LendKey Technologies, Inc.
State: LA

Complaint narrative:
On XX/XX/2022, I submitted an application to have my cosigner released from my private student loan. On XX/XX/2022, I received email notification that my application has been received and it can take up to XXXX days to receive a response. I called XX/XX/XXXX and was told I should get a response by XX/XX/XXXX. I did not receive a response on XX/XX/XXXX. I called on XX/XX/XXXX and was initially given the wrong information. I received a call back and was told that no response to my application has been received and I should get something within the next few days. I called on the XXXX and XXXX of XXXX and no response. Today is the XXXX and I have yet to receive a response to my application to have my cosigner released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I started receiving phone calls from Transworld Systems Inc regarding account XXXX during work hours and after XXXX pm at night. I was told that I had a collection with them regarding a medical debt. I have great insurance and did not understand how I would owe anything plus I have not received anything in the mail telling me that I had been sent to collections. I asked them to verify this debt and was hung up on. At the time I thought it was a scam but wanted to check XXXX XXXX. I saw a new collection. I called them back and explained that I did not think I owed the debt but they talked about suing me so I just paid it as it was under {$300.00}. The representative also told me that it would be removed if I paid but it has not. I have since found out that it is the law they mail a letter and give me 30 days to pay. I did not receive this letter. I have also found out it is the law that they verify the debt and they hung up on me when I asked that. Now I have asked them to remove this item from my report because I was threatened and harrassed and certain laws were not followed. They can't find my account anymore. I have disputed this with the credit bureaus XXXX and XXXX but they have not removed it. The other one is not reporting the account. I would like for this item to be removed because they violated the Fair Debt Collections Practices Act and Fair Credit Reporting Act by filing a collection without mailing me a letter first and refusing to verify the debt and lying to me about it being removed. I see that the CFPB has over 5000 complaints agasint this terrible company and I am hoping you can help me. Also the collection was opened in XX/XX/XXXX but they are reporting the date of last activity XX/XX/XXXX. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly sent letters to TransUnion regarding not only the inaccuracies regarding a bankruptcy on my credit report, but I have also included legitimate facts on how they are breaking the law with the reporting in itself. I have been sending in letters every few months with the same results, of them telling me that : they will no longer investigate. The last letter I sent, dated, XXXX, XXXX, 2002, they responded with a letter, " applauding '' me on my " efforts '' - then went on to insinuate that I used a credit repair company. I DID NOT use a credit repair company to dispute all of the inaccuracies on anything that I have requested ( most of which have not been corrected ), but if I did, I have the right to do whatever I need to as a consumer to ensure that my credit report is ACCURATE!!! I do not need an applause, I need for TransUnion to follow the law and report accurate information concerning my report. I have also sent letters regarding the verification of my student loans, but have received similar responses. I am very aware that TransUnion, as well as others are an elaborate mechanism, with no standing authority, pursuant to 15USC 1681 ( a ) ( 2 ). So, what/who gives them to right to decide what they " think '' is fair? They are not only breaking the law by violating my privacy, they are also NOT accurately reporting said information in its certifiable requisite Metro 2 compliance format.

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 2022-02-25 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: FL

Complaint narrative:
XXXX XXXX  IS ATTEMPTING TO COLLECT A DEBT FROM ME THAT DOESNT BELONG TO ME. THE ACCOUNT NUMBER IS XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
{$800.00} was stolen from my checking account on XX/XX/2022, using XXXX XXXX ( my debit card was in XXXX XXXX ) in a diffrent state. Within 5 minutes ( i get alerts if withdrawal is more that {$200.00} ) i called chase and opened a claim that is wasnt me. I have proof on my XXXX  bill showing my location when I called them. I have police report and I followed every step to file a claim. Chase received all documentation and they closed my case claiming because XXXX XXXX  was used they decided transaction was authorized. I spent 7 h calling them, I am a customer for 20 years and they promote digital wallet as a safe product claiming there is 0 liability and you are protected and your money is safe with them. I never lost my phone neither my debit card. I have no clue how such a fraud could happen. Please note that last response I received on XX/XX/2022 that they closed the case because it was authorized. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
They will not release my tax refund I been waiting days on them to release my money its always something this bank card I hate it and will never refer no one

Company response to consumer: Closed with explanation