vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: NY

Complaint narrative:
XXXX XXXX  on my credit report ( XXXX, transunion, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off transunion, XXXX and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, Transunion and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, Transunion and XXXX removed but XXXX still didnt remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NY

Complaint narrative:
XXXX XXXX on my credit report ( XXXX, XXXX, equifax ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, Equifax and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, XXXX and equifax XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and Equifax removed but XXXX still didnt remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, XXXX, or Transunion. I have attached the dispute letter I sent on XX/XX/21.

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 2021-11-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, Equifax, or XXXX. I have attached the dispute letter I sent on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I bought a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, California on XX/XX/XXXX. According to the salesman, he said I got approved by XXXX XXXX  for my auto loan. According to the contract, I financed {$50000.00} with the monthly payment of {$900.00} starting on XX/XX/XXXX. Today, XX/XX/XXXX, a lady called me and said she is the director of the Finance Department from XXXX XXXX XXXX. She demanded a check of {$55000.00} to pay off the car I just bought, which I was fully surprised about. I asked her what was happening, and she said she saw the note that I will bring a check of {$55000.00} to the dealer. I was confused about the information she just said and did not understand what was going on. I mentioned to her about XXXX, who works at XXXX XXXX XXXX finance department and also worked with me to finish the documents the day I bought the car. About 3 hours after the conversation with the director of the Finance Department, XXXX XXXX XXXX. I received a notification that someone just ran my credit report. There were 2 credit reports under Ally Financial on my record today. I called XXXX XXXX XXXX, talked to XXXX. and asked her what was happening. She said there were some mistakes on how they process the documents. I was upset and asked why they ran my credit again without my permission. She couldn't answer my question. I also questioned her about why I got my auto loan from XXXX, but the dealer ran my credit report again today. She said will get back to me when she has a chance to talk with the director. I told her I will file a complaint to the Consumer Financial Protection Bureau about this matter. I have the proof as the voicemail from XXXX XXXX XXXX as well as the contract I signed.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I learned through my credit monitoring company that XXXX XXXX pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I learned through my credit monitoring company that Capitol One pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I learned through my credit monitoring company that XXXX  XXXX  pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

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 2021-11-06 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had a call earlier today FRI XX/XX/XXXX with a very helpful Navient agent. I was made aware today that payments to federal loans serviced by Navient not owned by The Department of Education were accruing daily interest XX/XX/XXXX - present. I thought a federal loan was a federal loan. Navient is not honoring the federal 0 % APR but are rather acting daily interest. I paused payment XXXX. Further, if a borrower elects to have Covid accommodations they would have required to be renewed every 30 days and that interest is capitalized and added back to the principal every time it is renewed. This is required every 30 days. When I found out and inquired about a refund of all monies paid since XX/XX/XXXX - XX/XX/XXXX I told I was entitled to it but processing a refund will put my account in some state of failure to repay and reported to a credit agency. I insist i would like to request a full refund of any payments made on federal XXXX subsidized and unsubsidized FFELP loans since XX/XX/XXXX. The amount comes to roughly {$2300.00} in payments. One notable lump sum was {$800.00} and roughly {$500.00} was applied to interest and I was never overdue. Ever. A refund of capitalized interest charges for payments pauses XX/XX/XXXX - XX/XX/XXXX would amount to {$1200.00} capitalized on XX/XX/XXXX and {$100.00} capitalized on XX/XX/XXXX. In no way did I expect that I had a federal loan that was not being in zero percent APR. In the middle of a pandemic I did not know that I would be penalized and have {$1300.00} ADDED to the principal of my loan for pauses relating to the coronavirus. All US press said federal loans were at zero percent. Literally I paid {$1300.00} in capitalized interest before resuming payments for the PRIVILEGE of choosing to begin repaying loans thinking I was adding monies straight to principal while federal loans were at 0 %. In all I have been scammed out of {$3300.00} - {$3500.00} under the guise of being a PARTNER with The Department of Education servicing a federal loan. When I tried to call back Friday XX/XX/XXXX the call center was closed. Previous emails closed the ticket and encourage me to call but the calls are circular, threatening, attack my intelligence and are demeaning. The agents state with dubious intonation that not all federal loans are owned by ED, yet, the only demarcations on paperwork is loan type ( subsidized or unsubsidized ) and repayment type. I strongly suspect my in school deferments also capitalized interest. Very ruthless organization. I had {$110000.00} in student loans and the only ones that are not paid off in 19 years were the ones serviced by Sallie Mae then Navient. This is not a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX finished my policy and they still attempted to collect without notice XXXX XXXX has 2 collection agencies after i closed the account and never had a contract with them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TN

Complaint narrative:
Experian is reporting alate payments and although I have disputed this with them they continue to report it. The Credit CARD Act prohibits a creditor from treating a payment on an open-end credit plan as late for any reason. Experian claims that they have verified the information but yet XXXX and XXXX do not report these late payments.

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 2021-11-06 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: WA

Complaint narrative:
I am disputing violations by Equifax misreporting information. I never been notified by mail account closed and its inaccurate. Also XXXX XXXX XXXX account I do not have a contract with. I was never given anything proven debts validated which is required by law. I am enforcing my rights 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There is a reporting on my credit saying I owe XXXX $ to lvnv funding. I reported this before as identity theft. And it was removed from all credit reporting agencies. And know it is back on my credit. I would like for this to be REMOVED AGAIN AND TO STAY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a lot of inquiries on my credit report that I did not authorize at all. I have disputed these items as identity theft and they will not remove. I also have identity theft on my credit meaning if any one apply for credit they will first toake sure it's me. And nobody has called at all. So I called TransUnion to ask why they are not calling I was told that are not required to do so. But it clearly says they are suppose to call and make sure it's you applying for any credit I would like for all this to be removed. What's the purpose of having credit alert

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 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing this because had money that was taken from me by my Father. He Ended up taking {$14000.00} to be exact he told me he took it awhile after the case had Closed XX/XX/XXXX. No he Didnt have a reason to use the money on me No He did not have a medical reason to use the money on me. The money was court ordered to be deposited into an interest account with an Officer of M & T Bank so by time I turned 18 I was suppose to Receive that Amount.

I Turned 18 ( XX/XX/XXXX ) I Called M & T Bank that same day Gave them the 9 digit Routing number on the bottom of the check I Also gave them the 10 Digit account number. They searched them and said that there was never no account in my Name they proceeded to ask me for my social I Gave it to them they told me again there was no name in the System under the Name of XXXX XXXX in there system. 

I ended up calling M & T in XXXX NY. XXXX XXXX XXXX XXXX to be exact to see what was going on because the check was suppose to be Deposited with an officer of the bank at that specific branch I Ended up speaking to the manager at that bank they were able to locate the account number and routing number under the name of XXXX XXXX  . Then proceeded to tell me that the account wasnt mines and couldnt give me no more information and that the account of closed out in XXXX of XXXX then proceeded to hang up the phone. 

Im writing this because Ive been dealing with this for months since ( XX/XX/XXXX ) up until this present day Ive done everything I can Ive talking to my lawyer that represented me on this case he didnt know what to do I talked to other lawyers. Theyve never heard this before and could only assist legal advice Ive been calling all over to any and everyone I could reach out to help me Ive walked into M & T Personally many times they dont know what else to do besides send it up to the M & T legal department . Ive even went down to the court that settled this case they told me it was taken in error and to hold the bank accountable then they suggested me to contact you guys and Im really writing this because I want the money that was Wrongfully taken from me when I was younger Im only XXXX doing all this and Im really losing my mind trying to get my money back I would really appreciate the help

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 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XX/XX/2021- I was contacted by Radius global solutions LLC in efforts to collect on a debt.

On XX/XX/2021- I responded to Radius global solutions collection letter with a dispute letter.

On XX/XX/2021- Radius global solutions sent me a resolution offer of {$650.00}. With no debt verified.

On XX/XX/2021- Radius global solutions says they have received my recent correspondence ( dispute letter ) and can not locate an account with the information that was given in my dispute letter. 
In efforts to resolve this matter, I sent a follow dispute letter stating, In a good faith effort to resolve this matter amicably, I restate again my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

Around XX/XX/2021- Radius global solutions mails me communication stating they have received my recent correspondence ( dispute letter ) and Can not locate an account with the information provided. 
I have also noted in that dispute letter that [ Radius global solutions llc ] have failed to supply the demanded proof of the alleged debt, and again I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

On XX/XX/2021- Radius global solutions llc has sent me a resolutions offer in the amount of {$780.00} with have no proof of the alleged debt. Thats is {$130.00} more than the first offer requested to pay this alleged debt and they are continuing to contact me to try and collect on this debt after I have requested for them to terminate the collection because there is no proof of myself owing this alleged debt. They are in violation of my FDCPA rights.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX  ( Transunion ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( Transunion ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$52000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$36000.00} - XXXX XXXX ( TU, XXXX, XXXX ) - {$1300.00}

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 2021-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I registered with my lender Homeloanserv with the special forbearance program in XX/XX/2021. In XX/XX/2021 the company reported my loan delinquent which I then contacted them and they reported to me by email that they would correct with the credit reporting agencies. I am required by them to do a monthly check-in which I do. They sent me another letter dated XX/XX/2021 stating they have been trying to contact me even though I called and spoke to one of their representatives on XX/XX/XXXX reported I still needed to continue my forbearance but they again reported my loan delinquent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
CREDIT COLLECTION SERVICES is communicating with me through XXXX, XXXX, and XXXX stating that I owe a debt when I have never done business with their company before. I XXXX XXXX disputes this debt and ALL claims in accordance of 16 CFR 433.2, Tital 15 USC 1692, Regulation Z, Regulations M, and ALL applicable UCC Articles.

Please govern yourself accordingly. If you lack understanding, forward to your ATTORNEY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXX XXXX XXXX XXXX & Equifax ) ; Bal : {$640.00} - XXXX XXXXXXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX XXXX ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - XXXX XXXX  ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015

Company response to consumer: Closed with explanation