vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.

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 2022-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.

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 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is my XXXX  XXXX XXXX and I am the cosigner, XXXX XXXX XXXX 
AES XXXX XXXX XXXX XXXX, PA XXXX XXXX The loan has been paid on time for the requirement of a cosigner release which was XXXX consecutive on-time payments, AES/XXXX change rules as they go. I requested the release only to be told NOW that the borrower
does not meet the credit score required for the release. He owns his own home, cars, and other financial obligations all in good standing.

In the original documents, there is no Clause stating such a requirement. 
The payments are auto-drafted from my son 's account and Have never been unpaid. 
This is unfair and damaging to my credit report and I feel this is discrimination against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MS

Complaint narrative:
I noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that 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 non-monetary relief
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that 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 2022-11-07 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Made a online purchase using XXXX - the merchant has XXXX as a form a payment. After completing purchase I contacted the merchant to see when item will arrive. A few days had went buy with no response from the merchant. I went to the merchants website where I made purchase. The merchant website was no longer available. Over the course of a week I been trying to contact merchant. And see if the merchant website is visible it is not. I contacted XXXX XXXX to. Let them know the merchant is unreachable. And I would like my refund. Shop pay told me theres not enough evidence. To dispute my transaction and I need to contact the merchant. Theres no one to contact because the merchant store dont exists any more. I file a complaint with the federal trade commission and also will be filing a complaint with my states attorneys office as well. XXXX XXXX  is telling me to continue making payment on a item I never received and never will receive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX paid a payment that day, they picked it up XXXX. following day. Called them to see what they required to release the vehicle so then paid and additional XXXX XXXX dollars to have it released and they have keep my vehicle and payment? Wells Fargo 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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX XXXX attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.

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 2022-11-07 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: Avant Holding Company, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
Avant marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Requested refund for payments made during XXXX XXXX XXXX had to wait for loans to consolidate late XXXX when I made Request aidvantage told me the refund was approved XXXX and would receive in XXXX to XXXX weeks since then no updates til I called this morning XXXX and they just now told me after XXXX weeks that I wouldn't get refunded because the payments were made before consolidation didn't know they had to be!!! Anyway misinformed all across the board!!!! No communication at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I lived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, TN from XX/XX/2019 to XX/XX/2019. My lease was paid in full and I notified the management company when I was moving out. XXXX years later, I saw on my credit report that I was sent to collections that I owed {$2000.00}. I never received any communication that there were outstanding charges from when I lived here. I called the current management company of XXXX  XXXXXXXX XXXX XXXXXXXX XXXX and all they were able to tell me is that I " broke my lease ''. I then asked them to send me a copy of the lease for me to review and they have been unable to provide that to me despite multiple requests. When I reached out again, that same management company then told me that a different management company was managing the property at the time I was living there and that if I needed any further information I would need to reach out to them. I then reached out the previous management company, XXXX XXXX XXXX, multiple times, received no response and no one is able to send me any documentation of the charges that I am supposedly delinquent on. I have no outstanding charges due to the XXXX XXXX XXXXXXXX XXXX nor to Consumer Collection MN where they sent me to collections. I also reached out to Consumer Collection MN as I never received any notification from them that I was sent to their collection agency. When I spoke to them they also had no documentation of what the charges consist of other than " I broke my lease ''. This process has been an absolute nightmare and all I've gotten is the run around from XXXX XXXX XXXX XXXXXXXX XXXX who is currently being managed by XXXX XXXX, XXXXXXXX XXXX XXXX who was the management company at the time I was living at XXXX XXXX XXXX XXXX  XXXX and Consumer Collection MN. This collections has a negative effect on my credit score and I just don't understand how companies are able to do this to an individual. If someone owes money, the creditor should be able to provide sufficient documentation of the charges. I've tried disputing the collections via XXXX and it came back as " verified '' by Consumer Collections MN however they still can't seem to find any verification of the charges that they can send to me???? Somebody please make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a mortgage with XXXX XXXX in XXXX, they sold the mortgage since to XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX. I am fully up to date with XXXX not late however with XXXX XXXX, and XXXX, and XXXX they are still reporting negative information about the account that is over XXXX  years of age. the 3 credit bureaus wont removed from my account its past the statue of reporting 7 years. Experian, XXXX, XXXX. I have tried to have them removed but they will not. 

XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX This item remained unchanged from our processing of your dispute in XXXX XXXXXXXX XXXX 
XXXX XXXX This item was updated from our processing of your dispute in XXXX XXXX The original mortgage XXXX XXXX is not reporting they informed me it's too old.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I have been trying to log into my AXOS  checking account to pay my mortgage since Saturday, XXXX/XXXX/2022. I recieved a message that they are performing scheduled system maintenance. I tried again unsuccessfully on Sunday, XXXX/XXXX/2022, so then I called the bank where I was told their servers were down but the expect the problem to be resolved within a couple of hours. I tried again today, Monday XXXX 2022, and I recieved the same message that they are performing scheduled systems maintenance. I took a screenshot in case you need to see. I called the bank and was told there is no problem, my account has been frozen until further review, which could take 24 to 48 hours. I asked to speak to someone with more information, perhaps her boss, and was told she can not transfer phone calls. Having received three different responses, I don't know what to believe, and I have NEVER been told I can not be transfered to someone that might be able to clarify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I took my daughter to a XXXX on the XXXX. I pulled money out from an atm at the carnival in the amount of XXXX XXXX Around midnight I received a charge on my Chime XXXX card in the amount of XXXX $ From XXXX XXXX. I did not authorize that payment nor have I ever made a payment to that Florida company in my entire life. I immediately contacted chime and they informed me that they automatically turned my card off because after that XXXX  payment they tried to purchase more things. So a couple days later after the transaction finally posted to my account I called chime and they told me that their dispute department would not return the funds to my account because I received my XXXX XXXX pay earlier that day of the XXXX of XXXX. Since my pay hit my account the day before the dispute department concluded that I was expecting that payment to be made. I reiterated to them that Ive never made a payment to that XXXX company and I even had a representative from XXXX on the line who vouched that I've never made a payment nor do I even have an account with XXXX. Like I said their own fraud department said they cut the card off as soon as they saw that charge so again I am not understanding why they won't credit me back funds that I lost Fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX Late payment reported XXXX XXXX Late payment reported XX/XX/2022 Payment Made in Full Furthermore, the FAIR CREDIT REPORTING ACT 15 USC section 1681 ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include.

( A ) Subject to section 16815-3 of this title, any.

C ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC section 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you verified the accuracy of this alleged debt, but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER.According to the law, you must comply when a consumer requests a debt validation letter. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My mortgage servicer Caliber home loans ( loan # XXXX ) received a check from the HAF program ( application # XXXX ) in the amount of {$17000.00} on XX/XX/XXXX. I confirmed this with XXXX ( XXXX XXXX XXXXXXXX ) at Caliber on XX/XX/2022. As of today the funds still have not been posted to my account. My loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX and the past due balance is over {$18000.00} now. This is impacting my credit, Caliber has had people out inspecting the inside and outside of my home because my mortgage is in default. I have been calling Caliber home loans twice a month for 5 months trying to get this corrected and every time I call I get a new excuse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: WI

Complaint narrative:
We are not currently in foreclosure and have applied to XXXX XXXX  to prevent anything while My wife, XXXX yer old, XXXX XXXX XXXX, XXXX XXXX old and myself all have XXXX and XXXX. Issue I am having is we are trying to sell the house and company used a XXXX party service to threaten to change locks and charge me money to upkeep the house that I drag myself to every other day, if I can, to clean and keep up on. They did this under the guise of " protecting the home. '' Which I am already doing and the company they used XXXX XXXX has documented instance of breaking into homes that are for sale to do this " service. '' This feel like another way to squeeze money out of people in hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation