vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: CA

Complaint narrative:
I am an authorized user of a XXXX XXXX card, and have been for years. This credit card shows up on XXXX and XXXX, but not on Equifax. 

I have called Equifax and XXXX XXXX once a month beginning in XX/XX/2021. Each time I am told by XXXX XXXX  that they are reporting the information to Equifax every 30 days, but Equifax says they are not receiving any information from CXXXX XXXX 

Neither organization seems interested in helping me solve this problem. 

In addition to this, Equifax has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
XX/XX/2021 I refinanced my new lender sent the pay off check but they weren't sure that it would get to Mr Cooper prior to my loan due date. I made my payment for that month, because I was told I'd get overage paid back to me. I have been struggling with Mr Cooper since that time trying to get my money back. They keep saying their sending the check and it hasn't been sent. I've gotten my tax information, I've gotten my escrow money but not the $ XXXX refund. I was promised it would be sent overnight on XX/XX/XXXX, on XX/XX/XXXX a label was printed on XX/XX/XXXX, still hasn't left the building. This keeps happening. I want the money due me. They've been holding it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: GA

Complaint narrative:
N accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct  # XXXX 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 consumers reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APPLE RECOVERY SERVICES CORP
State: OH

Complaint narrative:
I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as Apple Recovery Services in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MI

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXI ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am an authorized user of a Capital One card, and have been for years. This credit card shows up on XXXX and XXXX, but not on XXXX. 

I have called XXXX and Capital One once a month beginning in XX/XX/2021. Each time I am told by Capital One that they are reporting the information to XXXX every 30 days, but XXXX says they are not receiving any information from Capital One. 

Neither organization seems interested in helping me solve this problem. 

In addition to this, XXXX has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I attended XXXX XXXX  from XXXX XXXX XX/XX/2007 I had taken out several loans. However, in 2007 I had taken out loans that XXXX kept and never returned after I had left and graduated in XX/XX/2007 over {$10000.00} in private and government loan money. It appeared in my student loan history on XXXX XXXX XXXX XXXX XXXX at the time but now its on XXXX. After graduating I had caught the fraudulent act in XX/XX/2007. I called XXXX XXXX  XXXX XXXX XXXX at the time and explain the situation and asked XXXX XXXX  to return the loan money since I was no longer a student there but rather a alumni. At the time, the Financial Aid Director at XXXX XXXX  promised he would return the loan money that XXXX XXXX  illegally kept after I had graduated but never did. Can someone please help me investigate 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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
The debt collector is enacting a levy on my XXXX XXXX  XXXX checking account which the debt is older than the statute of limitations under the federal Fair Debt Collection Practices Act ( FDCPA ) in New York. New York State recently passed the Consumer Credit Fairness Act which primarily changes the statute of limitations ( SOL ) from 6 years to 3 years for all collection lawsuits. I also havent receive any information about the debt theyre attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as XXXX XXXX XXXX in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX XXXX. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$360.00} XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This complaint was closed and the errors were not corrected Complaint XXXX SLS continues to ignore the fact that they are reporting a Closed Account as Active which causing me not to qualify for a home loan. Ive been trying so hard with SLS to no avail.. 

I need the information being reported corrected or deleted. Asap. 

Calculated using XXXX XXXX Provided by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Show more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$28000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$23000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$69.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX & Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX + {$1100.00} In good standing XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$3000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ( REMOVE ) - {$0.00} Closed Overview You have 0 % left to pay on this real estate loan. 

XXXX {$0.00} XXXX XXXX $ 207000 Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX Youve made 99 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Closed Type Conventional RE Mortgage Responsibility Individual Account. 
Remarks Foreclosure Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Quite honestly the only reason we decided to give Huntington a shot was because of their promised sign on bonus. It said that if we signed up and had a collective total of {$1000.00} or more direct deposited into our account within 60 days, that after 90 days we would receive a {$150.00} bonus. We have far surpassed the requirements and after multiple phone calls and messages, I have come to find that was a complete lie, and Huntington isn't willing to abide by THEIR agreement. Every representative asked for a bonus code... THERE ISNT ONE. The link is still on their website and explicitly states that the only way to get the bonus is to follow that link. No code. It doesn't give you one. I have a screenshot. This is beyond unacceptable - I've already had to file a complaint against Huntington for holding a check under false pretenses ( tried to say we double cashed it, when we most certainly did not ) and making our mortgage payment bounce. Give me what you agreed to or I will have no choice but to get my attorney involved and rake your company over the coals for every lie you're worth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
We have Citi Costco card when Costco switched over from XXXX XXXX. We did not always get our monthly bills consistently. We payed on time by checking online but two of the years ( XXXX & XXXX ) we did not get our reward certificate. We called their support number and was told to go to Costco when we wanted to purchase and they would be able to assist us. At Costco, they told us that it was a Citi bank issue and they don't have the reward. We have been told the total for those years is {$1000.00}. We have asked them to check call recording to verify what the Citi representative told us on the phone but they won't honor what they told us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MI

Complaint narrative:
I don't owe anything in these following accounts below. They should have confirmed this from the Original Creditor since I have made my payment to them. INVESTIGATE this account thoroughly and make the necessary correction or just REMOVE the account automatically. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: FL

Complaint narrative:
This morning on XX/XX/2022 I receive a picture message from my co-signer giving a past due notice. Meanwhile Sallie Mae should be well aware that I have been having financial troubles with paying my loan. Every single time I call them its always an issue, every single time I call its always a problem, and every single time I call nothing seems to get resolved, and it seems to be nothing but an uphill battle every single month to get a reasonable solution. I have been dealing with this for six years and I am at my breaking point, because nothing seems to change. They are preventing me from moving on, and they will not help me refinance. I am beyond livid and I want a change now, and feel like I rightfully deserve one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
On XX/XX/2022, A letter was sent to Portfolio Recovery Associates , LLC that I was providing a formal notice that there claim was being disputed for {$2200.00}, {$700.00}, and {$660.00}. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I was provided letters saying that Portfolio Recovery Associates brought my account. Nothing was provided to me that I ever entered a contractual agreement with this company. 

On XX/XX/2022, A second letter was sent to Portfolio Recovery Associates , LLC that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I additionally asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Again I was sent a letter that Portfolio had brought my account and some billing statements from the original creditor. I also attached a copy of the legal document from court on the settlement for the {$2200.00}.

Company response to consumer: Closed with explanation