vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX TIAA bank XXXX XXXX XXXX XXXX  XXXX VA XXXX THE REFERENCED DEBT COLLECTORS HAVE ENGAGED IN DECEPTIVE PRACTICES, AND BROKEN CONSUMER LAWS. 
UNDER THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). 

SUBJECT : This is a formal complaint and request for an immediate investigation, intervention and your protection on this egregious matter against the above referenced Debt Collectors for doing dual tracking under XXXX XXXX XXXX XXXX " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 

I have been trying to obtain a modification from the above debt collectors, for my under water property. I submitted my application on XX/XX/2022 within a 10 weeks the debt collectors have put a sale date on my property for XX/XX/2022. I have been advised that my application is been reviewed by the underwriter and nothing else is needed as per a Phone call made to TIAA Bank Servicing XXXX ( XXXX ) XXXX on XX/XX/2022, spoke to XXXX, a TIAA representative. 

The above debt collectors also failed to provide verification and validate the alleged debt from the original creditor with true and certify signed original contracts to validate the debt. and verification through audit certification of debt entry in accordance with XXXX, and XXXX. 

Please by the intervention of an investigation of THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. 

Thanking you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MA

Complaint narrative:
I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

TRANSUNION CREDT BUREAU .Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified 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 2022-08-10 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: Synovus Bank
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) secured credit card ending in : XXXX. URGENT! 

I recently had my credit pulled to get pre-qualified for a home loan, however, I was denied due to an error in your reporting of my old First Progress secured card account. 
My scores are XXXX points lower than they should be because you are reporting inaccurate data to my three credit bureaus. 

My account was paid in full when I closed my account as I no longer wished to have a secured credit card. 

The {$4.00} balance has to be an error. I haven't been successful in reaching a customer service rep as it seems to be impossible to talk to anyone at First Progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: KY

Complaint narrative:
I received a bill from Montgomery Ward for a product I did not order. Friend took catalogs home with her. I know it was fraud because I did not order this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The weekend of XXXX XXXX money was transferred from my account through XXXX amongst XXXX and XXXX. I contacted my bank, which is Bank of AmericaXXXX, and they were able to refund me for the XXXX and XXXX transactions. 
Neither Bank of AmericaXXXX of XXXX have been helpful/I have a hard enough time getting through to anyone regarding BOA and XXXX regarding my funds that were taken unauthorized. I have tried contacting them on multiple occasions, and have gotten nowhere. 
Another thing to note is the fact that they were able to take out {$3500.00} without my card being dinged/frozen. If you go through the receipts you will see that these charges were not a usual pattern that I would make, so it's crazy to me that those people were able to take that much without anything happening. 
I am afraid to activate my new card as well because charges keep trying to go through even though those transactions were found to be fraud.

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 2022-08-10 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: AR

Complaint narrative:
Transunion and XXXX both have posted on my credit reports that companies XXXX, XXXX, XXXX XXXX XXXX XXXX have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since XXXX I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.

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 2022-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OSG Group Holdings, Inc.
State: TX

Complaint narrative:
I received a phone call today from a mediation service in California. XXXX XXXX XXXX # XXXX, XXXX, CA XXXX is the address. The number did not show up on the caller ID. The person I spoke with goes by the name of XXXX XXXX and claimed that they were hired by XXXX XXXX XXXX to collect a debt. They said that there were numerous complaints from XXXX and that they made several attempts to contact me. This is the first time I received any kind of phone calls about this. I asked him to send me documentations and information about the debt because I was not just going to authorize any kind of payments. He refused to give or send me any kind of information and stated that XXXX XXXX XXXX wasn't going to send information either. He then became abrasive and started threatening me stating that if I did not attempt to pay or make any arrangements that I would be getting sued and face criminal prosecution. So I said that I would make arrangements. He sent me an email through adobe acrobat sign to sign the documentations which came from a XXXX XXXX with Dispute Resolution Service. I have not signed anything. The statement states that I owe {$3200.00} but when I reached out to XXXX XXXX XXXX, they stated that I owe {$1400.00}. They told me that my account was sold to Debt Management Partners. I also called the CFPB and stated that it sounded like a scam.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-08-10 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: IL

Complaint narrative:
on XX/XX/XXXX I notified Equifax that there are unauthorized and unverifiable information being reported to my consumer report, Pursuant

to 15 USC 1681 ( a ) ( 3 ) I have to give Equifax written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon pursuant to 15 USC 1681 ( a ) ( 4 ). In light of the recent investigations brought upon Equi
fax Ive found that my consumer file has been tampered with. Equifax have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. The XXXX  data breach has affected me as well as, the recent revelation that Equifax has damaged millions of consumer reports by sending erroneous scores. Equifax is continuous reporting unverified accounts on my consumer report. For the past 2 year I have made several attempts to remind Equifax of their duty to uphold the law pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Equifax Certified documents under the penalties of perjury to support my claims. Equifax has committed upon my basic consumer rights. Equifax is continuing to ruin my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). Credit Reporting is voluntary and always has been according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I over paid my Macy 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-10 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: VA

Complaint narrative:
I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with Equifax, XXXX and XXXX. I also contacted XXXX regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three credit bureaus.

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 2022-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was awarded funds from XXXX on XX/XX/2022 and my mortgage ( shellpoint mortgage ) is saying they have not received any payment yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Venmo has become a utility that is difficult to operate without. Venmo canceled my service after XXXX incident where a user paid me above the weekly limit for an item. Rather than reject that payment Venmo allowed it to process and then cancelled my account. Other than that I provided all the IDs and proper account info and have been a perfect member and that one transaction was completely legitimate other than it exceeded the weekly limit unbeknownst to me.

They will not reinstate my account after multiple attempts. With such a common utility they shouldnt pick and choose favorites. I have a credit score over 800, no criminal or civil record and over a XXXX dollars in the bank. Venmo is being unfair not allowing me to use this community utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had two credit card accounts with Capital One and a debit account. I paid off both credit cards when my debit account was closed during my recent two-month stay in XXXX and XXXX ( XX/XX/XXXX - XX/XX/2022 ). I have repeatedly tried to reach out to Capital One directly and then subsequently disputed the two accounts ' balances using official channels on XXXX XXXX. I was going to escalate this to a small claims court yet decided to correspond with CFPB first per my research into the matter. I have statements with posted amounts zeroing out both accounts. Anything you could do to help would be greatly appreciated, I am a XXXX XXXX XXXX XXXX XXXX XXXX. Times have been very difficult the last two years, and I am very upset about the almost {$2000.00} I spent paying these letters of credit off. I am not even sure why they closed my debit account ; they said it was inactive for 60 days, yet I had paid my XXXX subscription and the previous month 's CC bills with the same debit card. Thank you for looking into this matter for my family and I ; we sincerely appreciate anything you can do especially if it avoids drawn-out litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing called my personal cell phone number in an attempt to collect a debt. Last I checked it's a violation of federal law for debt collectors to call the personal cell phones of customers to attempt to collect the debt. The debt collection agency called me from telephone number XXXX. I looked them up and their website is : https : //www.convergentusa.com/. 
My telephone number is also registered on the Federal Do Not Call list and has been for several 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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have paid this company thousands to get out of a lease that terminated in XXXX. They are trying to make us pay XXXX more dollars- some of this is stating that it includes a carpet that is XXXX XXXX XXXX but in the lease, we signed only XXXX XXXX per charge on the damaged spot. On the bill, it states that the carpet is XXXX months old - if the rug was XXXX months old in XXXX ( the date they wrote this ), this means that someone would have broken into the apartment to place the carpet without our consent of entering because we were living there in XXXX of XXXX. This company is known for charging everyone for " destroying '' their carpets. '' They are also asking us to pay a termination fee of which we spent our part already- XXXX There are already tenants replaced in the apartment- why are they asking us to pay for them? There should only be a XXXX $ negative balance on the bill, and they are now trying to charge us XXXX $ more when we moved out in XXXX!!!!! -- -- If no tenants were replaced, we should only owe XXXX XXXX If NO tenants were replaced, and in fact, we did not sign an agreement that we would replace the carpet, which we did NOT. The company should ow us XXXX XXXX They need to leave us alone and quit harassing us for money. We moved out of this apartment early because the living conditions were unimaginable, with XXXX XXXX everywhere in the yards not being picked up and the workers and maintenance men sneaking in at night using the trash bins for their personal trash, which I have on camera.

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 2022-08-10 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: MA

Complaint narrative:
I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : EQUIFAX MORT Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account EQUIFAX CREDIT BUREAU Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : EQUIFAX MORTGAGE XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : EQUIFAXXXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account

Company response to consumer: Closed with explanation