vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Payday loan from Speedy Cash showed up on my credit report. I never applied or received a payday loan. Called speedy cash and they said I had to do this or make a police report to dispute it. I also disputed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I used my XXXX 's Credit card for a purchase. I received the statement in late XXXX for a balance of XXXX. I issued a check for XXXX on XX/XX/XXXX for the total new balance. 
On the next statement, we were charged a late fee of {$29.00} plus {$1.00} in interest for a total balance of XXXX. 
On XX/XX/XXXX, I issued a check for XXXX XXXX less late fee and interest ) before I realized that Comenity had not cashed the check issued on XX/XX/XXXX for XXXX. 
I called the comenity -XXXX  requesting a credit of the late fee and interest plus credit for the double payment of the XX/XX/XXXX purchase. The Comenity Associate ( XXXX XXXX XXXX would not issue a credit for the late fee and interest. 

The two payments from my account were issued via the " Bill Pay '' function of the XXXX XXXX. 

Essentially, Comenity is charging a late fee and interest to my account for their inability to credit my account for payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 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:
I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law

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 2021-05-03 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:
I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law

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 2021-05-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I received an alert stating that my score drops XXXX points because I made a XXXX payment on one of my credit cards ( XXXXy XXXX XXXX ). 

I made contact with Experian in XXXX and advise of this. The gentleman I spoke to started he was going to open a research request to have my concerns address. Gentleman stated that he also sees error as well. 

However, nothing was resolved I never heard back from anyone and the problem occurred again. 

On XX/XX/XXXX, I received an alert stating that my score decreases by 8 more points because one of my installment loans decrease by XXXX dollars.

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 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital Services is claiming I owe them for two debts they are currently reporting on my credit report. XXXX  XXXX XXXX Ref ID XXXX & XXXX XXXX XXXX ref I'd XXXX. The FDCPA entitled me the right to request these debts be validated, I sent two letters certified mailed and the information received did not validate the date in fact it looks unauthenticated. As if it was typed in house & not information provided by an allged credit card agency. This was the letter I sent requesting information they should have in house I also enclosed what they sent me which I can easily duplicate on a type writer. 
T0 : Resurgent Capital Services This is my 2nd attempt in trying to get the issues in my credit report resolved. I wrote you a letter in regards to two accounts you have listed in my credit report. 
1. LVNV Funding LLC # XXXX XXXX XXXX {$920.00} 2. LVNV Funding LLC # XXXX XXXX XXXX XXXX As a reply to my concerns I am just receiving template letters stating these accounts are verified. By law the information I am requesting I am entitled to if you can not provide this information these accounts need to be removed. The information I am requesting on the accounts are listed below. 
1. Original Contract with my signature 2. Pay off disclosure 3. Interest rate 4. Balance History 5. Payment History 6. Credit Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MS

Complaint narrative:
XXXX XXXX XXXX  online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.

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 2021-05-03 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: MS

Complaint narrative:
XXXX XXXX XXXX online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
Payday loan from XXXX XXXX showed up on my credit report. I never applied or received a payday loan. Called XXXX XXXX and they said I had to do this or make a police report to dispute it. I also disputed on 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 explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After I disputed information to be removed from my account the credit bureau allowed XXXX to add the same account multiple times. I have 4 XXXX  accounts but my credit report shows 16 XXXX  accounts. I have called multiple times to get the information corrected by the credit bureau Equifax but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be XXXXhe servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : XXXX Emai : XXXX XXXX gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX I was informed that the payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

In the meantime, I received to notifications that my servicing account was transferred to XXXX. 

According to the notification which I received from XXXX XXXX ( dated XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), my loan was transferred to XXXX effective XX/XX/XXXX, XXXX and XX/XX/XXXX respectively ( please see the attached ). 

But according to an email which I received from TMS said that " effective XX/XX/XXXX, the servicing of your loan will be transferred to XXXX XXXX d/b/a XXXX XXXX ( copy attached herewith ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which remitted to it would be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and talked with one XXXX XXXX. She told me that according to the law, TMS can hold the money for 90 days and within 30 days, {$800.00} will be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and spoke with XXXX XXXX. She said TMS did not transfer {$800.00}. 

On XX/XX/XXXX, I also spoke with Spoke with XXXX XXXX of TMS. He said TMS received {$800.00} on XX/XX/XXXX. He said that {$800.00} was not transferred, it would take up to 60 days. I told him that period was over. 

He said that XXXX XXXX provided an account number of XXXX XXXX XXXX. In fact, MrCooper.com account number is : XXXX XXXX XXXX. 

XXXX XXXX, after checking with someone else, said that {$800.00} is for TMS for the month of XX/XX/XXXX, and payments to XXXX should start from XX/XX/XXXX. 

Then he said that the TMS is entitled to {$800.00} as the account was transferred to XXXX only on XX/XX/XXXX I told him that Fannie Mae and XXXX informed me that my mortgage servicing was transferred to XXXX on XX/XX/XXXX, and XXXX respectively, and emailed a copy of those letters. 

He said he would further make a research on this. 

On XX/XX/XXXX, XXXX XXXX called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not received {$800.00} from TMS.

I would appreciate very much if you could ask TMS to refund me {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/2021 - I opened an account with CitiBank and deposited {$15000.00}. 
XX/XX/2021 - CitiBank closes my account without notifying me other than my statement that was released XX/XX/XXXX. 
XX/XX/2021 - I notice that CitiBank has closed my account and I call to retrieve my funds that I deposited. I'm told that CitiBank closed my account due to suspected fraud activity and they will issue a check for the amount that was deposited. I'm told by a Customer Service Rep that they will issue a check for the {$15000.00}. 
XX/XX/2021 - I'm told that the account was closed by the fraud department and so my request to have a check issued was denied since it was issued by the wrong department. I'm told I will have to go through the fraud department to have my check issued. I'm told that my account will be referred to a fraud specialist who will check into my account to identify where my funds are and when a check will be issued to me. I'm told to wait 48 hours for the fraud specialist to reach out to me. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again to wait 48 hours because no update has been received from the fraud specialist. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again that the fraud specialist has not update my account and there is no timeline for when they will review it.

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to USC 15 1681a ( 4 ) consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. Please remove this account from my credit report. I will exercise 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Please remove Chapter XXXX BK 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 2021-05-03 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: PA

Complaint narrative:
Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that XXXX marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the XXXX account was one of several accounts involved. 

I informed XXXX of this error and have not received any reply.

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 2021-05-03 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.

Complaint narrative:
I am client with Equifax XXXX for credit report i paid XXXX $ and XXXX $ respectively for credit report which i have got the report. Now i want to cancel my subscription also remove my credit card details. In their online service website doesnt have options to cancel the subscription nor they have option to delete my credit card details. since they provide credit report online and take payment online. Why they do not have option to cancel the subscription. When i spoke to them they do not have supervisor or manager to answer my questions no they have call transfer facility. They always technical difficulties. I feel scammed reason being they do not operate 24/7. Refused to proceed my request to cancel the subscription on my first call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I reached out to Amerifinancial Solutions LLC in early 2021 about a bill that was being reported to my credit file from their company. 
The bill was for medical debt. 
I mailed Amerifinancial Solutions LLC a request for debt validation, a contract between their business and the original creditor that showed they could collect debt and proof that they were licensed to collect debt in the state of Florida. 
Amerifinancial Solutions LLC mailed me a document that appeared to be medical services that were performed and my name was attached to those services. 
However I was never mailed a HIPPA release form stating they could access my medical information. 
Amerifinancial Services LLC has violated HIPPA in a attempt to collect debt however has yet to validate the debt, show proof of a contract between their business and the original creditor to collect debt and show proof that they are licensed to collect debt in the state of Florida. 

I would like to report this incident to the CFPB and ask for help in resolving 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 explanation
Consumer complaint received 2021-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX Inquiry from XXXX XXXX, 2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
A derogatory remark appeared on my credit report on XX/XX/XXXX and it was put by the CBE Group. I contacted the CBE Group on XX/XX/XXXX and I let them know that the debt is disputed and I also told them that they did not try to contact me to first before putting the debt on credit report was derogatory remark and thereby hurting my credit score which dropped by more than 25 pts by this action. When I contacted CBE group and disputed the payment, they said they will remove the debt remark immediately but it has been 14 days today and the this fraudulent debt has not been yet removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
CASHAPP is a horrible company. I thought my money was safe. I thought my investments were safe. I had about {$300.00} in bitcoin sitting in my cashapp. Also about {$50.00} cash sitting in the account. One day XXXX XX/XX/XXXX ) I got an alert saying thank you for your XXXX $ purchase of bitcoin. I said HUH? Then I go to check and it said I was logged out of cash app. Someone hacked into it. Then after hours of trying to gain owner ship again, I seen that hackers took my original XXXX plus the new XXXX $ of bitcoin and sent it to their account. Very sophisticated scammers apparently. I personally believe this seems like an inside job because of the convenience and intelligence of the situation, also the commonality. It happens to quite a few people for small amounts but this was XXXX XXXX I was on the phone emailing, waiting for call backs for weeks. Here we are 25 days later and still no response. They always respond with a generic long email asking to fill out 10 questions which I answered already 6x. No moving forward after that 1 email. I give up. I take the loss I guess. Your money is not safe with cashapp/square company I guess. All I wanted was them to see where this money got sent to. I dont think that is too much to ask?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/2021, NationStar Mortgage ( dba Mr. Cooper XXXX drafted two mortgage payments of {$2100.00} - one of which was not authorized. Attempts to rectify this with Mr. Cooper customer service via email and online chat were unsuccessful. On XX/XX/XXXX, I saw news coverage outlining that Mr. Cooper was aware of the problem, as of XX/XX/XXXX, and would have all unauthorized debits reversed by the end of day on the XXXX. On the XXXX, the two debits of {$2100.00} on XX/XX/XXXX were still present, so on the XXXX I reached out to the reporter, XXXX XXXX of XXXX, to inform her that the press release was not accurate. She reached out to Mr. Cooper bout it who ask for my name. Shortly there after, debits and credits showed up all over the place. Including a debit on the XXXX, that was not there previously, two debits on the XXXX and two credits on XXXX. Both Mr. Cooper and my bank, XXXX  XXXX XXXX, say they can not see this activity. NationStar is lying to regulators, the press and customersXXXX XXXX XXXX XXXX is not keep adequate audit records of how accounts and statements are being changed.

Company response to consumer: Closed with explanation