vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I wanted to buy a desk from uplift desk. I chose the buy now pay later option with affirm. I returned the desk. The incorrect amount was applied to affirm. They charged 15 % at XXXX  for restocking- outside of their available policys incorrectly. I submitted documents proving that to affirm in my dispute within 30 days. Affirm continued to respond with automated responses, which mean nothing to me. They did not contact the company uplift desk until XX/XX/2022 about their policies of returns. Affirm told me it is too far outside the time frame to accept the dispute even though I provided all the correct documentation to them in my dispute that they requested. No one opened the documents in my original dispute at affirm. Affirm is reporting negatively to my credit and incorrectly. I am not responsible for payment of an item I returned to the company in whole and in compliance with their returns the entire amount should have been returned and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
disclaimer : i already filed a complaint with the XXXX in XXXX. i got a call from a company that said it was debt collection company, ERC located out of XXXX, fl, according to the letter they sent afterwards, and they said i owed at & t {$45.00}. i believe it's a scam for 3 reasons : 1 ) when they called me ( and they only called once ) and i answered, it took between 5-10 seconds for them to answer back. red flag right there. 2 ) they got my name wrong. and 3 ) i stopped using at & t in 2015 and now they've decided i have an unpaid debt? - please look into this matter asap. they said they'll report me to the credit score companies if unpaid after 30 days. thank you. ps - i don't have anything to upload because all this is news to me. i really don't know what this company is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to lodge a formal complaint against Navient, my student loan provider, for their refusal to grant me the full 48 months of in-school deferment eligibility as outlined in the terms of my loan. Despite multiple attempts to resolve this issue, Navient has consistently attempted to gaslight me by suggesting that I have already utilized some months of eligibility with my prior loan servicer. I am absolutely certain that I have never used in-school deferment with my previous servicer, and Navient is well-aware of this fact. 

Navient has sent me documents from my previous servicer ( please see the attached files ) which they seem to have used to arbitrarily determine the number of months I have already spent in in-school deferment. However, nowhere in these documents is there any indication that in-school deferment was ever applied. In a poor attempt to resolve the issue, Navient has arbitrarily applied additional months of in-school deferment to my account, but this solution is neither satisfactory nor accurate. 

As it stands, one loan has in-school deferment expiring in XX/XX/XXXX, and another in XX/XX/XXXX. According to Navient 's own documents, in-school deferment was first applied in XX/XX/XXXX. With 48 months of eligibility, this would mean that my in-school deferment should not expire until XX/XX/XXXX. 

This issue has been inadequately resolved and poorly managed. Every attempt I have made to contact Navient has resulted in copied and pasted responses suggesting that the issue is being " researched. '' I am disappointed and frustrated with Navient 's lack of transparency and failure to fulfill the terms of my loan agreement. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this issue and ensuring that I receive the full 48 months of in-school deferment to which I am entitled. I have attached all relevant documents for your review and consideration. 

I appreciate your time and attention to this matter and look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
ON XX/XX/2023 I WENT TO THE XXXX XXXX ATM LOCATED AT XXXX XXXX XXXX, XXXX XXXX CALIFORNIA AND WITHDREW XXXX XXXX DOLLARS FROM MY ATM DEBIT CARD ENDING IN XXXX AT THE TIME THIS WAS MY LAST WITHDRAWAL AS I HAD ALREADY WITHDRAWN A TOTAL OF XXXX FROM THIS ATM, THERE WERE SOME RALLY SHADY PEOPLE OUTSIDE SO I JUST WITHDREW THE MONEY AND IMMEDIATELY HID IT SO THAT THE HOMELESS PEOPLE WOULD NOT SEE IT. WHEN I GOT TO MY CAR AND COUNTED IT LIKE TEN TIMES I REALIZED THAT THE LAST WITHDRAWAL OF XXXX MUST OF SHORTED ME SIXTY DOLLARS BECAUSE I ONLY HAD XXXX WHEN MY RECEIPTS SHOW XXXX. I AM A SENIOR CITIZEN AND I AM RAISING XXXX SMALL GRANDCHILDREN. I NEEDED THE CASH TO GIVE TO MY GRANDSON THAT IS IN COLLEGE, I NORMALLY WOULD NEVER WITHDRAW THAT MUCH OUT AT ONCE. PLEASE HELP ME GET MY XXXX ASAP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
We were notified that our mortgage servicing company was no longer going to be XXXX, and instead was going to be Mr. Cooper the end of XXXX. XXXX transferred the amount left in our Escrow of {$550.00} on XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, and we received a notice from Mr. Cooper saying that we had a SHORTAGE in our escrow account in the amount of {$570.00}. To which our payment would be going up from {$750.00} to {$810.00}. Of course, on the notice, it states that shortages are likely caused by an increase in taxes and/or insurance. We had no change in either. Upon further inspection of the Escrow Account Activity that they included with this, they were showing our Starting Balance in our Escrow Account as {$0.00}. There was no credit whatsoever for the amount transferred to them by XXXX. 

On XX/XX/XXXX, I reached out to Mr. Cooper to ask how we were short, and why our payment was increasing when there had been no increase to taxes, or insurance. At first the woman tried to state there had been an increase in taxes. I told her that was not true, because I had already contacted our local municipality and verified that our property taxes did not go up. I also told her that it was concerning that they were showing a {$0.00} starting balance on our escrow account activity. I told her that XXXX had sent them the remaining funds in our escrow account in the amount of {$550.00}. She told me she didn't see that. She put me on hold while she had her supervisor look into it. I told her the funds were disbursed to Mr. Cooper on XX/XX/XXXX. After being on hold for a while, she came back on to tell me that her supervisor did " find '' the funds that were transferred in the amount I had told her on the date I had given her. To which I said, " So, there should be no change to our payment then, since we were truly never in the negative? '' Her reply was " Yes, the payment is still going up to the {$810.00} ''. I told her I still wasn't understanding how the payment was going up, when the supposed " shortage '' never existed to begin with. She claimed that this is based on their projected shortages. Again, there shouldn't be a shortage when neither the property taxes nor insurance has increased. 

I have seen other horror stories online regarding this company and their dealings in the past for not crediting payments properly, etc. I am frustrated that their increase to OUR PAYMENT is based off of their INCORRECT math. She did email me a copy where it shows that they did an " escrow correction '' to reflect the {$550.00} received by them from our previous servicing company. However, this is completely unacceptable. If the amount was reflected properly the first time, our payment would've never increased. And my concern is if we pay the increased amount when they can't even record a payment received properly, what are they going to do with the excess? XXXX it? Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: AE

Complaint narrative:
In XX/XX/XXXX, Trans Union placed a collection account in the amount of {$920.00} on my credit report, from a company, XXXX XXXX XXXX. There was no letter of notificaiton of the debt. Additionally, the " investigation '' did not provide the original document/promissary note, nor my signature that I agreed to pay this debt. No validation was suppled when disputed. I have never lived in, nor did business with any organization in Florida, nor with XXXX XXXX in XXXX. Trans Union states the debt is valid, but, no proof of the debt has been provided. 

I have written to the company for request for validation and it was ignored. 
TransUnion - Dispute po box XXXX XXXX, PA 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 2023-03-20 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: WI

Complaint narrative:
Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
The new mortgage company Freedom Mortgage which my mortgage was sold to, did not make payments to the homeowners insurance company and then sent me a letter to tell me that my mortgage requires insurance and I need to provide them with one as soon as possible. I tried to reach out to them via phone but nobody is available at all times of the day. Left my number for a call back as well and nobody called me. How am I to resolve this issue which they caused when I can never reach them? I am not sure what else to do to reach somebody and speak to a representative.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 I went in person to Truist Bank to verify my identity & open a new account. I made a XXXX transfer of {$100.00} from my XXXX account to the Truist checking account on the same date & 2 mobile deposits on the XXXX XXXX XXXX ; one deposit of {$500.00} to the savings, one deposit of {$500.00} to the savings. My account was marked for fraud & closed. I talked on the phone from XXXX CST to resolve the problem & was denied access to reopen my account & haven't been told where my deposits would go. This definitely is starting to feel like a problem with my ethnic/national/hereditary background. I need help with this matter as I am experiencing discrimination without cause or merit.

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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I bought a new Hyundai XX/XX/XXXX and traded in my old Hyundai to the dealership who in turn paid the loan off with my car and additional money I had to give them. I was told I was getting an overage check from Hyundai Finance but never received it. When I called Hyundai finance they said they sent my check to the dealership by mistake. I called the dealership and they said they never received it. I was told by Hyundai finance that I had to wait 30 days and to call back to request a new check. I called back in XX/XX/XXXX and was now told that the dealership had to call them and tell them to send the check directly to me. I called the dealership several times and no one would help me out. I finally was able to get the comptroller of XXXX  XXXX Hyundai dealership to call Hyundai Finance to let them know to send me my check. On XX/XX/XXXX the dealership finally called Hyundai Finance to issue me the check. I was told I would get the check in 2 weeks. I called Hyundai Finance today XX/XX/XXXX and was told in the notes of my case it has that XXXX XXXX dealership called to request that Hyundai finance release the check to me and then it said that on XX/XX/XXXX an email needs to be sent to a manager and no check was issued. I asked the woman why wasnt an email sent to a manager and she said that they were waiting for me to call and request this. I asked how would I know that an email needs to be sent and she didnt have an answer.

I have been getting the run around from Hyundai Finance for 4 months and have been doing everything they requested me to do in order to receive my check and every time I speak to someone there they give me a different answer and the run around. Please help me get my money from them. I am a XXXX yrs old woman and I have never had any problem trading in a car and receiving my overage check. I really need that money so I can pay some bills. Thank you very much.

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 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
The medical debt collector is adding finance/interest fees to the original amount, and reporting an inaccurate balance on my credit reports. I called they couldn't sufficiently explain why they're charging interest on this medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Is not my account need to be removed thank you

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