vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
THIS DEBT WAS THE RESULT OF IDENTITY THEFT, I DISPUTED THE CHARGES. THE DEBT COLLECT IS USING FALSE AND THREATING TACTIC TO TRY AND COLLECT THIS DEBT. THE DEBT COLLECTOR NEVER VALIDATED ANY OF THIS DEBT WITH ME, THEY IMMEDIATELY REPORTED THE DEBT TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
I had a mortgage financed through XXXX Mortgage XXXX XXXX XXXX, IL that served me very well. Recently XXXX sold my mortgage to Specialized Loan Servicing LLC of XXXX, CO. I was notified of this change from XXXX on XX/XX/2022. XXXX even provided an address for Specialized Loan to send the XX/XX/2022 payment. I mailed that XXXX payment but have yet to be contacted via phone, mail, or email by Specialized Loan. As per the periodic statement rule of the reforms passed in the XXXX, I am entitled to a monthly statement from my new service provider, yet I have not received 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 2022-12-15 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: FL

Complaint narrative:
false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is 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 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hi there. 

My name is XXXX XXXX. On XX/XX/2022, the State of Illinois sent a tax rebate check ( i.e., trace # : XXXX ) to my closed PNC Bank checking account ending in XXXX and the check in the amount of {$50.00} was never returned to the State Comptroller 's office. 

I called the state comptroller 's office to verify that the payment was made. I received the confirmation from the state and a contact number ( i.e., XXXX XXXX ), to reach out to PNC Bank for the payment to be returned to the state. I called PNC and they verified receipt but couldn't verify the return of the check! Neither could they say that they were obliged to return the check to the state by Law.

Something was off with this approach! If an account is closed, the Bank is required to return the payment to the sender by Law. In this case, the Bank violated that fact. Upon realization, they hung up and did not answer my calls again. 

So, I'm reaching out to find someone with a bigger voice to resolve this simple fact that the Bank violated the law and they are hiding away hoping that I don't follow up. I'm a poor person, {$50.00} can make a difference in my life and the Bank just doesn't care. Can you please help correct this wrong which might be happening to countless folks without a voice? 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OR

Complaint narrative:
In response to my complaint # XXXX, Key Bank provided a letter dated XX/XX/2022 stating that, " As a further gesture of goodwill, we will refund additional overdraft charges of {$55.00} to the Account. This refund will be reflected on your next account statement. '' As of XX/XX/2022, I had not received the promised {$55.00} credit, so I contacted my branch manager. He stated that the branch could not address the problem and that I needed to reach out to XXXXXXXX XXXX corporate offices for resolution. I called the representative from Key Bank who wrote their CFPB response, and he stated that if I had not yet received the promised credit he would have it deposited to my account. However, he called back later in the day and stated that because the bank had refunded some fees to my account in XXXX he would not be crediting the additional {$55.00} to my account. I informed him that the letter he wrote in XXXX offered this amount *in addition to* the {$33.00} refunded in XXXX as a resolution to my formal CFPB complaint. I stated that if he was now refusing to honor that resolution, I would be filing a new complaint with CFPB. The XXXX representative stated he would look into the issue, and I requested that he follow up with me when a decision was reached. 

On XX/XX/XXXX, the representative called and stated that he will not provide the {$55.00} " goodwill '' refund as promised. I am therefore filing a new complaint based on Key Bank 's refusal to honor the resolution they provided to my CFPB complaint # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My account with Citizens Bank was an account they Bought with XXXX. I was very happy with XXXX, Citizens not so much.There website never works, signins do not work with the most popular browsers. We constantly have to call and wait on hold for hours and we are told upgrade our browsers. 

Now on top of this CItizens keeps Charging me services fees. As a 16 year long customer of XXXX I never had fees for statements, or not having direct deposit. CItizens inists on charging me these service charges XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} I want them waived because as an original XXXX customer I never had fees like this. To implement these surprise fees when they bought MY account is bait and switch. they shhould leave the services the way they were. These fees are completely unfair to people on limited income

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage did not pay my insurance on time. And, when they did pay it, they short paid it. I spoke with XXXX on XX/XX/13 at XXXX a.m. It was extremely difficult to get her on the phone as it is practically impossible to get a human being in the insurance department. She said she would check into it and get back with me. She has not done that. Instead, Rocket Mortgage is threatening to get insurance for me at a higher price. I'm very upset that my insurance was not paid and Rocket mortgage caused my policy to lapse. I'm even more upset that XXXX has not responded to me or done anything since my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NC

Complaint narrative:
I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems Equifax failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if Equifax continues to defame my character and cause me more emotional distress, XXXX XXXX XXXX. I'm being denied credit due to these inaccuracies of debt. Equifax has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I closed my XXXX account because I had to live abroad for more than a year. My bill was prorated and I paid it promptly. Three months later my account was reactivated bXXXX XXXX  without my permission. I was sent a one month bill. I contacted XXXX XXXX again, and after few additional calls my account was closed. This one month bill of {$70.00} was sent to Amsher Collection Services and I received a {$140.00} collection notice. I filed a complaint with them and never heard back from them. Few months later I received another collection bill from XXXX XXXX XXXX XXXX. I filed a complaint again, and was never contacted back. Recently, checking my credit report I found that my account was reported to the credit bureau by Amsher Collection Services. Called them, and was told that the account was reported by XXXX XXXX XXXX. Called XXXX XXXX, and was told to pay them {$75.00} to take reporting off my account. I believe I do not owe money to any of this companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: WA

Complaint narrative:
I'm trying to handle this Dispute with the collection agency, and they referred me back to the creditors about a debt that I do not owe. 
When I contacted the creditor, they no longer have my file. 
I Paid full months ' rent was on a month-to-month rental, never late also was not given back my deposit. 
my deposit was {$500.00} the rent was {$620.00} & I had One month extra paid rent. XXXX XXXX XXXX Apartments Owe me a total of {$1700.00} This Apartment complex became very unsafe for me and my kids. I had to move immediately due to the severity of the situation. 
There were people squatting in empty apartments not on the LEASE and these people were banging on tenant 's doors at all hours of the day & night. I was being stalked, followed and asked for change or food from these people. My kids and I were terrified. I filed a complaint with the front office, they said there's nothing they can do and that I had to call police. Here are the police reports. 
XXXX 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
TransWorld System Inc XXXX XXXX XXXX XXXX XXXX I have disputed this account TransWorld System Inc with the credit Bureaus because I had no knowledge of the account, and all they did was update the information on my credit reports. I then wrote to TransWorld System Inc on XXXX XXXX requesting more information about this account, but they never responded to my request. I again wrote the Credit Bureaus on XX/XX/2022 informing them that TransWorld System Inc has not responded to my request for validation which is a violation of my rights Under the Fair Credit Reporting Act, and to PLEASE REMOVE this information from my credit reports. Again, all the Credit Bureaus did was update the date on the report. I have enclosed all notarized letters to show proof that I had correspondence with the Credit Bureaus and TransWorld System Inc regarding this inaccurate reporting. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, CAPITAL ONE : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX XXXX : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of God itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX through Chrysler Capital in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, Chrysler Capital has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my credit score dropped by almost XXXX XXXX and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with Chrysler who claims they cant fix it even though its wrong and negatively impacts my credit and according to XXXX, even though its wrong and now considered a negative item on my credit report, they cant remove it until Chrysler updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but Chrysler wont remove it or update the remark so it doesnt continue to impact my credit score for the next XXXX XXXX. I have no where else to turn at this point as Ive exhausted all efforts thru Chrysler and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Nelnet, Inc.
State: GA

Complaint narrative:
I went to XXXX XXXX. I was never able to use my so-called degree to help me get anything in terms of work after I graduated. I was supposed to get a full refund, but I have been getting the runaround from the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX Account XXXX : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was trying to send a Zelle transaction in the amount of XXXX to my daughter however the last 2 digits of her phone number i by mistake put in backwards resulting on the money sent to another person. I have contacted my bank as well as the person who I sent the money to. I requested for him to send my money back however it has been a couple of days passed and no money has been sent back to me. I have persons full name Phone number and my banks confirmation that I have tried to dispute this transaction. Is there anyway can get assistance. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I got an offer in the mail from Regions Bank offering a {$400.00} bonus within 90 days for opening a checking a count by the 3 steps on the mailer ( see photo ). 

I followed each step, opening the checking account with {$1500.00} on XX/XX/2022, complied with every detail written, and they did not award this {$400.00} bonus. I believe this is false advertising. 

I went to my local Regions Bank 3 times for resolution, the first time with XXXX who filled ticket number XXXX, the second time with XXXX XXXX, and the last time today XX/XX/2022 with branch manager XXXX XXXX who gave me complaint number XXXX. 

Regions Bank has a scam going here. I think the public should know.

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 2022-12-15 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: NC

Complaint narrative:
I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XX/XX/XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.

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 2022-12-15 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: NC

Complaint narrative:
I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XXXX XXXX XXXX XXXX XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.

Company response to consumer: Closed with explanation