vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I spoke with a verified vendor on XXXX regarding purchasing a golf cart. I received the attached invoice for {$1500.00} for the golfcart and {$500.00} additional for the door to door shipping. At the seller 's request I made a payment for {$1000.00} via credit card and another {$1000.00} via zelle. I received what I thought was tracing information from a website that appeared to work. 4 days later the item supposedly reached customs in the USA and I was told the shipper needed an additional {$2900.00} for an insurance fee that was refundable. I paid another {$2900.00} via zelle. The following day I was told it would be another {$4000.00} for a HMF fee ( also fully refundable ). I told the seller that wasn't possible, and they offered to split it with me at {$2000.00}. I then sent a XXXX for {$2000.00}. The following day I am told it will be {$1500.00} for the shipping, however the " tracking website '' now shows released and out for delivery. I told the seller I felt this was a scam and asked for photos of the golf cart as well as the port it was located in and stated I'd go pick up myself. The seller said photos and pick up were not possible and I'd now be charged storage fees. This is all documented on XXXX, however they are not assisting in getting my zelle funds back from their " verified seller ''. All items are documented attached. I filed a dispute with my banks regarding the zelle payments and they have said they also can't assist. The shipping company doesn't appear to exist, they have no phone number and the email address doesn't receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: NH

Complaint narrative:
Southwest Recovery Services is reporting I owe them {$1100.00}, trying to collect. I never had an account with this company. I hired XXXX XXXX to help with this situation. A letter was sent to Southwest Recovery and the letter was returned to sender. I have tried to call and no response. This is very frustrating because my identity has been stolen several times in the last 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Months ago, i sent in a letter to Equifax to validate some accounts that came up on my credit report. I received a response back but their investigation was not thorough at all. They did not show me proof of my debt that they are saying i owe. I gave up for awhile because i was not getting any response back from the bureau. I checked y credit report again today and they have added a tremendous amount of accounts and they have no information for these accounts. All of the accounts have no creditor name, no creditor address, no phone number, nothing. Most of them are also duplicated more than twice on my account. They listed some of them under opened accounts and then relisted them under collections as well. 

Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX COLLECTIONS : Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX These information have been hurting me. I am not able to get a house, ive been denied jobs, and other things i am trying to do to get my life in order. This is very unfair because by law they should be reporting detailed an accurate information. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: IN

Complaint narrative:
I have been sending disputed about my credit report to all CRAs XXXX, Equifax, & XXXX, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off XXXX XXXX - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CO

Complaint narrative:
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Experian was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. I disputed This inaccurate information with Experian nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Experian is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 They responded by " UPDATING '' the account and balance instead of removing it. THIS IS FRAUDULENT AND ILLAGAL UNLESS EXPERIAN CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE EXPERIAN HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNER FCRA SEC. 605 RE-AGING DEBT! I AM ENTITLED TO A 100 % ACCURATE REPORT AND THIS IS FALSE

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have atttached backup of my complaint. XXXX my escrow balance was {$660.00} Nationstar Service . Nationstar became Mr. Cooper. We paid full escrow {$160.00} for 8 months {$1900.00}. Mr. Cooper no longer transparent on escrow balance on statements. Mr. Cooper without my authorization paid home insurance bill twice with 2 different amounts. I called up and opted out of escrow. Then they in error just opted out of RE taxes so I called again and said all was opted out. Finally got full opt out but now they are not refunded the monies due us on the escrow balance they were holding.and refunded only {$190.00}. Contacted them again and the people that look at the account have no knowledge of the balance they are holding just the current year analysis and never look at beginning balance. They claim they sent a check of {$110.00} XX/XX/XXXX but we never received it and I asked what address it was sent to and he couldn't answer and just said that is all the balance left in escrow. I show they owed prior to the refund of {$190.00} they owed {$280.00}. You can never talk to anyone who knows anything about basic accounting. Did Nationstar not transfer all the monies to Mr Cooper? Who knows But they still owe us a total of {$280.00} as we never received the check they claim they sent {$110.00}. There is no way to look at the account and see what they are doing. Nationstar was always transparent with the escrow account. What do I do now? I wrote them a letter complaining but all they did was sent a letter acknowledging they receipt of my letter. There should be a full audit of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I requested a master promissory note for each of our original loans. Navient representatives said they did not have them and submitted the request to another department, but i have still not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXXXXXX XXXX  2020, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world  cause me to missed a payment on my capital one credit card in XXXXXXXX XXXX 2020. I didn't know i was penalized on my credit report for this late, I tried calling capital one today to have this removed and they refused to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I'm writing because on my reports from XXXX Trans union and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct  Transunion shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXXXXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.

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 2022-09-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: FL

Complaint narrative:
To Whom it May concern, I have reviewed my credit reports reflecting an account with General Revenue Corp. However, I was uninformed of this account. I was never provided any written documentation validating this debt was mine nor was there anything sent in the mail such as a statement, etc. 

Not to mention, when reviewing this file on my credit report it is showing incorrectly. This account is a collection that is showing opened and this is a way to continue to re-age this false account in order to impact me negatively. According to the FCRA Section 6. 23.5A it states that the date of delinquency determines how long the debt can be reported on a consumer credit report, they are trying to damage me long term so it will never fall off my report. This a violation of my rights and as mentioned in my dispute directly to them I will be forced to seek legal action and in return I will request up to {$1000.00} in damages. 

They have withheld notices from me and I ask this company to cease all communication and reporting on my credit since they have violated my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Total Card, Inc.
State: OH

Complaint narrative:
Total Credit Card issued to husband, XXXX XXXX XXXX in XXXX was included on his XXXX XXXX bankruptcy in XXXX. 
They THREATENED to have my wages garnished. 
My husband and I were not even together in XXXX. We got married XX/XX/XXXX. 
I also filed a XXXX  XXXX bankruptcy in XXXX. 
We have both added our numbers to the do not call registry. 

This is in so many ways fraudulent activity. 
Please investigate this 'litigation ' company ( could not get the name of it from the caller ) numbers included : XXXX & XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: OK

Complaint narrative:
I do not qualify for the two repayment programs that Sallie Mae offers. These programs are the Graduated Repayment Period and the In-School Payment Assistance. I've tried chatting with them, this just gets me a bunch of pre-filled answers that I don't qualify for the programs but I can speak to someone during regular hours, in which I am attempting to speak to them during. My two loan payments are in the amount of {$150.00} and {$120.00}. I can not get help from my co-signer ( this is my spouse ). We make less than XXXX a year. However because I do not qualify for either of the two options I am XXXX. The school that I received the loans for is under investigation for defrauding ( XXXX rebranded themselves as XXXX ) and they pushed me to get this loan while I was waiting for my Pell grants and FFSA to go through. If I did not get the loan, I would not start in time, nor would my Pell Grants and FFSA cover the cost of attending. I have these under investigation with the Department of Education. However, because these two loans were private I can do nothing but just stop paying and hope they are willing to do an agreement at a later date. We do not have the credit to get refinanced. Because we are XXXX, there is nothing we can do, but hope that if we stop paying that they will be nice. I have capitalized interest applied in the amount of XXXX applied in XXXX of 2022 on both individual loans, during the Covid loan deferment period. As well as accrued interest starting from the original date of the loan until today ( will be additional days as well ), there was no pause on this either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS 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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma claimed I was pre approved for a credit card and after application I was denied. Credit karma claimed that I was approved for a credit card as well and after I filled out the application I was denied. This has happened multiple times throughout the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX  ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING 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 non-monetary relief
Consumer complaint received 2022-09-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
After paying {$400.00} dollars ( {$8.00} per day ) on XX/XX/XXXX or XXXX, I emailed the 53rd investigation asking them to temporarily suspend my account in order to understand just exactly what they were charging. I only received the standard " Do Not Reply '' email. 

On XX/XX/XXXX, I went to the XXXX XXXX location and paid another {$270.00} in order to CLOSE the account and to stop the bleeding. Bank Receipt information follows : XXXX/XXXX/22 XXXX pm Teller : # XXXX BC : # XXXX REF : # XXXX As of today - XX/XX/XXXX - I still have not received any mail or emails from 5th 3rd bank ). Customer service rep said I had to go to local bank for letter to ( now ) stop doing business at 5th 3rd.bank. 

This was my rarely used business card for XXXX XXXX. Please cross-reference this complaint with DOJ regarding XXXX. This bank is partnered with XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NC

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 2022-09-01 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: CA

Complaint narrative:
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS 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 2022-09-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.

Company response to consumer: Closed with explanation