vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to Complete Credit Solution, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX, XXXX, and XXXX is also reporting this information inaccurate STILL after disputing with them multiple times. They also have failed to provide me proof.

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 2021-11-07 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 — Investigation took more than 30 days
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX is reporting XXXX derogatory account on my credit report by the name of XXXX XXXX XXXX. I have sent over XXXX dispute letters since XX/XX/2020 to XXXX asking them to investigate the account and I have yet to receive a written response with validation documents or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I have been working on issues with Freedom Mortgage snice 2019, when the co-borrow on the account filed for bankruptcy chapter XXXX on XXXX XXXX. 

I was told that I would not be affected by any of this but I no longer receive any type of correspondence form the mortgage company and the mortgage company will no longer speak to me. 

My current statement for XXXX states total amount due is {$4400.00} with a partial unapplied amount of {$1000.00} and XXXX 's statement states partial unapplied funds in the amount of {$2400.00} total amount due {$4400.00}. 

I have attached XXXX 's statements on the trans action activity shows XXXX funds XXXX XXXX still shows unapplied funds {$200.00}, {$2200.00} & {$1400.00} I have been told time and time again to " wait and to give it time to catch up ''. 

I can provide you with copies of any statements if needed. 

I am unable to speak with anyone at the mortgage company due to the co-borrower Bankruptcy being filed. 

Her attorney has been following up on this issue for months now and nothing has been resolved. 

I keep getting further and further behind, they keep saying I am behind when I know I should be ahead. 

I just want my statement to reflect that I am now current and no longer behind. I do Not want any funds in the reserve.

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 2021-11-07 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: DC

Complaint narrative:
Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my TransUnion account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!

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 2021-11-07 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I was checking my reports and a {$10000.00} charge showed up on my US Bank account. It says a credit card but I have not had a credit card with US Bank in years. Please refund as fast as you can.

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 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I NOTICED INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC
State: MT

Complaint narrative:
XX/XX/21 : Multiple calls to my employer from XXXX stating they are attempting to serve me paperwork at my place of employment. Gave me an XXXX to contact for further information. Contacted the individual so called XXXX XXXX from XXXX XXXX XXXX? Claimed he was a legal administrator trying to collect a debt for {$550.00} for an indigo mastercard. Explained I have never owned such a card and he became abusive stating to take it up with judge. Refused to give me information re debt and hung up on me. I called back asking he give me the correct spelling of name, work place, address. States he is not interested in being my penpal and hung up on me. I called back again and asked for business name, state and city license number. Stated he would only give it to an attorney and asked that I quit wasting my time and his and hung up on me. I called back and stated I have the right to self represent in court of law. He said see you in court and hung up. At this point I have no idea what company I am dealing with, the legitimacy of the debt, nor how to move forward since I have only been threatened of being served at my place of work and have not. Meanwhile, I have found a {$300.00} debt on my credit report and have disputed the account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have issue with U.S. Bank I been charged more than one fee for a single overdraft. 
XXXX XXXX they returned the fee but by that time they took the fee and made my business account to go un paid . U.S Bank turn around and charge my account again for the same transaction, this cause my business account to lose vendors. On XXXX I deposit {$100.00} all these overdrafts took my account over again then U.S. Bank put another overdrafts back to back XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these charges of {$36.00} each has cause my account to continue overdraft

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 2021-11-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) Experian to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to XXXX XXXX directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.

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 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
There is one bank name BB & T returned my deposit of {$650.00} which I received from Social Security disability by Automaticly deposit on this XX/XX/2021. No bank returned there customer deposit to creditor who deposit money in there customer account but this fraud BB & T bank returned my {$650.00} automatically Social Security deposit back in there account and closed my BB & T account. 

This was happened because BB & T refund me there overdraft fees or {$32.00} 3 times back in my account. BB & T bank is really poor bank who can't give back {$32.00} overdraft fees back in there customer account and when they give back this fees in there customer account than they closed there customer account themselves because of this because if BB & T give this fees back in there customer account than BB & T bank goes bankrupt. 

From so many years many banks waives many times {$32.00} fees from my account but never closed my account but this BB & T bank closed my account because of this reason and returned my {$650.00} deposit back to Social Security Administration.

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 2021-11-08 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: TX

Complaint narrative:
Complaint : ( XXXX/XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

TransUnion must remove all information reporting from and relating to ( XXXX/XXXX ) including third party debt collection accounts associated with ( XXXX/XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 
XXXX/XXXX TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Reviewed my credit report and XX/XX/XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XX/XX/XXXX doesnt report anything while XXXX and equifax reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? Equifax says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XX/XX/XXXX has incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Comments are all different. Date last active all differ XX/XX/XXXX incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Last payment all differ XX/XX/XXXX incompleteness XXXX incompleteness and equifax has XX/XX/XXXX. 
Second XX/XX/XXXX XX/XX/XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: PA

Complaint narrative:
Reviewed my credit report and XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while experian and XXXX reports its and open account. Funny how experian payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness experian incompleteness and XXXX has XX/XX/XXXX. 
Second XXXX XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished 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 explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
Ive contacted The Money Source and reported issues multiple times regarding escrow being placed on my account when my closing documents clearly indicate that my mortgage does not include escrow. Ive spoken to many representatives, managers on both the mortgage and insurance side and this issue is still not resolved. An overpayment in the amount of {$880.00} was made last month to partially cover insurance amounts totaling {$1700.00} that were paid out without my or my husbands permission. Now I received another statement saying my escrow account is short {$1500.00}. The remainder of the {$1700.00} ( that was paid without permission ) after paying the {$880.00} last month, would be {$890.00}. TMS needs to be cited for unfair business practices and this issue needs to be immediately resolved. Ive requested resolutions in writing multiple times and managers have refused. The last excuse that was given by the manager on the insurance end, was that they dont have the ability to free type a letter. Ive also requested additional manager call backs and no calls have been received. I am considering refinancing just to get away from TMS. Its disgusting to think that Ill be forced to pay closing costs yet again because of a companys unfair business practices. They should be fined for knowingly converting a non escrow mortgage to an escrow mortgage without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Two charges on my credit card or in dispute because I did not make the charges or order anything from the company. Credit card company said I would not be charged a late fee because of the charges in dispute. They have charged me two late fees even though they said they would not. I have much difficulty trying to talk to somebody at the company, and they have no email address that I can find.

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 2021-11-08 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Reviewed my credit report and lvnv is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while XXXX and XXXX reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness XXXX incompleteness and XXXX has XX/XX/XXXX. 
Second LVNV XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) Lvnv have furnished inaccurate information!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CarMax, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE XXXX Balance {$9900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation