vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2022 we received a transfer of XXXX ( british pounds ) into our checking account at U.S. Bank. The transfer arrived between XXXX and XXXX Central time. 

The exchange rate from pounds to dollars on XX/XX/XXXX had a high of 1.3418 and a low of 1.3318. So we should have received between {$130000.00} and {$130000.00}. We received {$120000.00} or an exchange rate of about 1.2960. In our view, depending on the rate at actual exchange we are {$3500.00} to {$4500.00} short on this transaction.

So this equals a 2 % -3 % fee on top of the {$25.00} transaction fee that U.S. Bank charged us for this terrible exchange rate. 

I called the bank to complain and I was told that " the rates you see on financial websites aren't what you receive, those are what banks receive ''. I told this person that was not true as I exchange currency at other banks and venues within a few basis points of the exchange rate regularly. So they then explained that they don't actually exchange the currency, they use an intermediary bank and there is nothing that can be done. 

I submitted a complaint to the bank on XXXX via their website and someone responded on XXXX to say she would forward the complaint to the appropriate person but there was not guarantee I would receive a response and I never have. 

This exchange rate is borderline criminal.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been with FedLoan and pursuing Public Student Loan Forgiveness since 2017. I am fully eligible to have waiver payments added to my count and there has been absolutely no movement in my account. There are people who just recently consolidated to FedLoan and are already seeing updated counts and forgiveness. That is asinine when I have had the correct loan type for 5 years. I submitted another PSLF form two weeks ago to possibly trigger some type of actual review of my account but it seems itll be several more months despite new customers being automatically forgiven. I expect an updated waiver applicable count in order to make immediate financial and tax filing decisions especially in light of my adherence to all PSLF program rules for many years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Check Recovery Bureau, Inc.
State: NC

Complaint narrative:
CALL RECEIVED AT XXXX ON XX/XX/2022. IT WAS A CALL IN REGARDS TO SOMEONE THAT DOES NOT LIVE WITH US NOR IS RELATED TO XXXX. CALL FROM UNITED CHECK RECOVERY XXXX XXXX XXXX XXXX NY XXXX. THEY HAVE REPEATEDLY CALLED ON DAILY BASIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TN

Complaint narrative:
I currently went through a major financial life change A divorce Ive tried working with the company I informed them Im using a debt consolidation company I currently work from home I have multiple zoom and teams meetings per day Ive asked them not to call back to back They state they have a right because its my cell My office sent all employees home to work due to covid 2 years ago so this serves as my office phone as well XXXX particularly is extremely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The signing of loan modification documents! 

I have completed my three payments as terms of agreement of the loan modification. 

The loan modification loan docs arrive. Looking through loan modification docs my mother name is on it and my name only. My father was the primary borrower. Makes absolutely no sense why my dad 's name is not on the docs. Mr Cooper has both death certificates for my deceased parents. 

I was contacted by the first Notary to come by and get loan docs signed. She keep asking about my mom and if she would be here to sign loan docs I told her my mother and father are both deceased and my father was primary borrower he is not even on the new loan docs and I also told her Mr. Cooper has the both death certificates for each one that's how this loan modification got stated I informed her my dad was the primary borrow and my mom was just on the loan. The first Notary claimed she was at my house and no one was home. She stated she was at my door from XXXX to XXXX AM my door was open and there was construction going on in the building next door. That's why I left door open. I called Mr Cooper office to let you know the situation. Given the information above by the Mr Cooper representative. I informed him it's XXXX AM I standing on my porch why would I be calling. 

Schedule Second Notary she arrives and as we are signing docs she put a line through my mother 's name while we completing the signing of docs. Mr Cooper reject the line through my deceased mother name. Get second set of new loan modification docs sign all of them again. All seem good. 
Just got a call from third notary indicating you rejected those loan docs again. Spoke to new Notary she is now asking me about my mom again to see if she will be here to sign loan docs. Here we go again around and around with this XXXX again. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: T.S. Holdings
State: MD

Complaint narrative:
I received a spam call from XXXX XXXX XXXX. He called to collect a debt on behalf of IQ Data International , Inc.. When I requested to have an invoice sent to me via email, he claimed that he could not grant my request but can tell me over the phone questions about my invoice and an invoice was sent to another address. I explained that I do not know him or feel he is trustworthy to rely accurate information. His call was spammed. He became very rude, speaking over me and threatening. IQ Data International , Inc is pulling my personal and private information unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TX

Complaint narrative:
I sent in a formal request for an investigation on XX/XX/, 2022, in which they received the letters on the following dates : XXXX XX/XX/2022 Experian XXXX XXXX, 2022 XXXX XX/XX/ 2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/ 2022 Experian XX/XX/ 2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.

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 2022-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent DEPARTMENT OF EDUCATION/NELNET a certified mail letter requesting information in which I have yet to receive a response. 
DEPARTMENT OF EDUCATION/NELNET IS IN VIOLATION of my rights as a Federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
Received a notice from Credit Corp Solutions that I owe {$300.00} to XXXX. 

I try to login to my account to review. I am locked out of my account. I call company. Company informs me I am locked out of my account. I ask repeatedly for the company to provide either an email or a letter showing what I owe and when. 

The company refuses and tells me I will get a letter from collections. I ask why are they writing off my debt to a third party? XXXX informs me this is from XXXX 's collection department. I find this incredulous because the collections letter is from Credit Corp Solutions Inc XXXX XXXX XXXX and not XXXX XXXX. 

XXXX can not send an email or letter showing what I owe. Further, what I find strange is that I paid outstanding balances in 2021. However, I can not dispute because I do not have access and the company will not provide proper notice. They did not notify me that they will be closing my account and sending it to collections and without my ability to properly review the account. 

How can I do business with a company with such business practices? Not being able to review the account in writing or electronically? This is not ethical. 

Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/21, our car was broken into and my wifes purse was stolen. One of the cards was a Chase XXXX XXXX card. The thieves went and bought gift cards at a local XXXX right after the theft. We reported the theft and the fraudulent charges immediately, as in within the hour of it happening, and also filed a police report. Two months go by, and we assume Chase handled the matter, just like XXXX, XXXX and XXXX did ( we only have 4 credit cards ). Then we receive a statement from Chase this month with the charges on it. When initially contacting Chase, the rep said we were sent a letter ( which we absolutely did not receive ) and then told us we had to speak to the fraud department. Each time my wife called, the department was closed, until today. Today my wife reached a rep XXXX XXXX ) who told us that the account notes say my wife, " said that we still had the card in our possession ''. Really?? Someone needs to check the recording of my wife calling in on XX/XX/21 before implying that she's lying. It was STOLEN so obviously NOT IN OUR POSSESSION!! Then XXXX said we need to send in a copy of the police report AND suggested we make the minimum payment due on the account. Upon being told this, my wife became irate and I took the phone from her and spoke to XXXX. Unfortunately, I can't say that I was any more composed then my wife. I let him know that I will file complaints with the CFPB, FTC, and other relevant regulatory bodies and get my contact at the local media to run a public interest story about the theft, and include my experience with Chase XXXX XXXX customer handling. I've done 2 of the 3 with the filing of this complaint. I've reached out to XXXX executives as well. Its completely unfathomable the way weve been mishandled. Weve never missed a payment and did everything we needed to, to report the theft! 
In addition, we are buying a new home. We have no debt, so I doubt this will be the case but, if this impacts our credit score, I will take legal action and make sure Chase/XXXX  gets as much attention as I can draw to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: DE

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC

Company response to consumer: Closed with explanation