vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I saw Upstart on the XXXX XXXX website this company is completely unprofessional from start to finish I applied for a {$30000.00} loan I was preapproved and then was sent a list of to do documents two of them are that last two years of income. Now understand several years ago my CPA said I could take some of my income and move it to an XXXX XXXX and have a lower tax basis since Im XXXX XXXX  to pay less SS tax, from the start it was a mess first I had applied and waited day after day from almost 5 days and hadn't heard anything i called and went over my issue and the person I talked to said he would talk to a supervisor and when he came back he said my income didn't match and I told him again my situation where you had to add the 1040 and the XXXX XXXX to come up with my income I got some nonsense about they went from " line 31 '' which said between the two years tax returns I only had an average of {$150000.00} trying to go over they had two 1099 that clearly shows my income to be almost {$290000.00} I have no office expense and while yes I have to pay income tax from that my net is about {$200000.00} but anyway I finally told him I now have SS and how can that be shown. Well he said first the loan was declined but he said if I reapplied just show the SS with some bank statements that show this income I reapplied and then called the next day got some rude women who didn't seem to know up from down and I explained I sent in the tax returns again along with the bank statement which now gave me about {$220000.00} in come and she said she had to do some research and came back after a long delay and said well you incomes don't match and your declined nothing about he " line XXXX '' nonsense. This company jacked me around for over a week for nothing, and why do I say this is nonsense and completely false adverstising with some smoke and mirror double talk? I applied for a long with XXXX XXXX and from start to finish I had {$30000.00} deposited into my checking account in two days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MI

Complaint narrative:
I contacted Experian, XXXX and XXXX  back on XX/XX/2020 regarding information that was was reporting incorreclty on my crdit file. The information was removed from XXXX so when it was not updated with Experian, and XXXX, I contacted them and have yet to see results. I have called and written and yet this information is still on my 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 2021-02-08 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: NY

Complaint narrative:
When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including XXXX XXXX, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from XXXX XXXX  was added to my credit report, which is inaccurate. I filed a dispute and called XXXX XXXX, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is XXXX 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 2021-02-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-02-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My issue started in XXXX when I got a loan modification from XXXX. Went through the trial period and got a regular schedule payment one year later. XXXX XXXX  took over and they took me back to XXXX stating that they dont see a modification from then I have change services 3 times and no one can basically tell me how they going to resolve the isssue. Im just told to continue paying they will resolve it. Im now 5 years later with no resolution. It affecting my credit and my interest I have left to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: GA

Complaint narrative:
Hi, my mortgage company CMG Financial isn't paying my property taxes to the XXXX County of Georgia Tax Assessor with the money I pay through my mortgage each month into escrow. The XXXX XXXX Tax Assessor sent me a delinquent property tax bill and advised a tax lien will be applied to my property on XX/XX/2021, if I fail to pay $ XXXX-something in back taxes- taxes which I've paid via my mortgage through escrow. I tried contacting my mortgage company as advised on the back of my mortgage bill by sending an email to XXXX, but I haven't received a reply. 

The thing which is deeply disturbing to me, and which I can't understand to save my life, is the seller, from who I purchased this property on XX/XX/XXXX, XXXX their name is listed as the property owner on the delinquent tax bill I received. I pay taxes through escrow and this property cleared title, so I don't understand why I'm receiving this tax notice. 

Additionally, I can not login to my mortgage payment account at https : //cmgmortgage.loanadministration.com/ Suddenly, my login credentials fail to work and when I go to look up my username, I receive a message that my email address and social security number isn't recognized. When I call to speak with someone, after navigating through about 10 minutes of useless automated information, I receive a message to call back during normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is attempting to get an additional judgment for a judgment from XXXX. They filed a memorandum for costs after a judgment in XXXX XXXXXXXX XXXX on XX/XX/XXXX to my former residence in XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX. I've lived in XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX since XX/XX/XXXX due to a Covid-19 related job-loss. 

The original judgment filed in XXXX XXXX XXXX XXXX for my defaulted debt with Citibank in XXXX. 

They have also subpoenaed my tax returns, paystubs and other financial documents from my creditors, namely XXXX XXXX XXXX. 

Based on the court filing, XXXX XXXX XXXX XXXX. purchased the outstanding debt from Citibank and now is trying to resuscitate zombie debt during a pandemic, and is trying to manipulate the court system in XXXX Further, XXXX  destroys all court-records after 10 years and some of the information on the new filing is not consistent with the original judgment. I have copies. The new filing is based on an attestation from the XXXX XXXX XXXX and not actual documents. 

I have clients in the mortgage and real estate industry who are subjected to bully tactics from XXXX XXXX that seeks multiple judgments on the very old debt and puts in on the credit reporting files as a way to tarnish the credit of people who owe past judgments or to extort additional money from people. Most of my clients get the judgment or collection removed from their credit but it is harassment. 

If I still lived in XXXX the filings should take place in my home county NOT 49 miles away in another county which is a 2-hour drive one-way. Additionally, XXXX XXXX XXXX Courts have been closed for certain filings due to the pandemic and was hard hit with Covid cases so they tried to file in XXXX XXXX because of it's lax laws and lenient Covid restrictions, but I moved back to XXXX because I couldn't afford to stay in XXXX 

Resurgence and XXXX XXXX XXXX are attempting to renew a judgment when I have proof of me living in XXXX and XXXX  for the past 12 years out of 13 years.

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 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: OH

Complaint narrative:
I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.

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 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HAWAIIAN, INC.
State: AZ

Complaint narrative:
First Hawaiian Bank closed my checking account and gave the fund in my account to the XXXX XXXX w/o telling me! They cited that I had not used my account in over a year. But I have had non-activities with my checking account before and what they did in the past was charge me $ XXXX and they quickly refunded it as soon as I called customer service. But this time, they put my account into dormant situation and actually closed it and gave my balance away! At the time, I had over {$700.00} in my account. So this closure isnt due to negative balance or anything. 


I called their customer service number XXXX around early to mid XXXX to inquire about it. First they said they my account would go into dormant if there were no activities for 3 years, then they changed the time frame to 1 year as soon as they saw activities dating back XX/XX/2019 ( less than 2 years ago ). Then they said they would help me get my account and balance back. They claimed that they contacted their XXXX branch ( where I opened my account ) and someone at the XXXX branch will contact me but i have not been contacted by any of them! It is as if they just ignored me and my issue! 

My email and phone number are both up-to-date with First Hawaiian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been reaching out to Tran union credit reporting to dispute some information that is on my report inquiries that I did not give permission to be done they refused to remove them I put a freeze on my report information on there I didnt do I was able to talk to the fraud department they told me to send my license and a letter to them never heard anything back now I am not able to dispute online or by calling here or the dates on the inquiry

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 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2021, I went to CVS to send {$400.00} + {$9.00} fee to receiver XXXXXXXX XXXX XXXX XXXX in XXXX XXXX XXXX. Once I completed my transaction then call the receiver and was told the name was incorrect, so unable to pickup the fund. I waited for awhile before the check back with receiver and were given correct name XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called moneygram immediately and was told the money has already pickup. This doesn't make sense to me because if incorrect name then the transaction can not be completed. Moneygram takes all information and said it will investigate. I don't trust the way how moneygram process, so decided to report my complaint with evidence and information of the parties involved and get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: MI

Complaint narrative:
I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware of *These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no Nada. Please help me cause I'm taking this to the next level after this

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 2021-06-26 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: MI

Complaint narrative:
I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware of *These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no Nada. Please help me cause I'm taking this to the next level after this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.

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