vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I held an account with Truist for over a year prior to my enlistment in the XXXX and stopped using the account in XX/XX/XXXX without realizing there were still several autopayments being charged to it. I paid off the amount and attempted to stop payments and close the account around XX/XX/XXXX, both had been clearly ineffective as I continued to accrue a negative balance. I made numerous attempts to contact the company but would be immediately hung up on rather than connected to an agent. I paid the account off and froze my card. I continued to call them and finally got through to an agent to close my account around XX/XX/XXXX. I have an XXXX XXXX of {$170.00} on XX/XX/XXXX in my XXXX XXXX account to my Truist account to pay off my debt. I have since received 3 debt collection letters for the amount of {$160.00}, with the last two being sent on XX/XX/XXXX and XX/XX/XXXX. After the first letter, which I can not recall when I received, I called the company several times until I got back to an agent who confirmed for me that the debt was settled and that I could ignore the letter. I can verify the account is closed by my inability to access the account, and their phone system being unable to verify the account number when the number is spoken or typed into the phone.

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 2022-11-03 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: FL

Complaint narrative:
There are accounts being reported on my credit that are inaccurate and I do not give Experian written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).

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 2022-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX an account like this is showing up on my credit and IT IS NOT MINE!

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 2022-11-03 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: GA

Complaint narrative:
In accordance to the Fair credit reporting act This creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.

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 2022-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance to the Fair credit reporting act This creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Received a " subpoena '' from a debt collection agency for my mother. They included what looks like a judgement for a case but we have never been informed previously about any of this. The " debt '' is from 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated try rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681a- Definitions ; rules of construction - Exclusions. 
-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Wisconsin Housing and Economic Development Authority
State: WI

Complaint narrative:
Good day, The Wisconsin Housing and Economic Development Authority ( WHEDA ) is proceeding with a hearing to confirm a foreclosure sale for a client I represent. The mortgage may be federally backed, but we haven't yet been able to ascertain that. The borrower submitted an application for the Wisconsin Help for Homeowners Program ( HAF ) on XX/XX/2022. His HAF application case manager sent a Verification of Mortgage Request on XX/XX/2022. The sheriff 's sale occurred around the same time. WHEDA claims the VOM was sent for the wrong mortgage, but the application only shows one loan and it's a WHEDA loan for the address WHEDA has on file for the borrower and his mortgage. 

WHEDA has since moved forward with the foreclosure and is refusing to adjourn the hearing to confirm the sale, despite the fact that HAF funds are available, the HAF application is pending and the applicant will be approved for funding, so long as WHEDA participates in the process and acknowledges the Verification of Mortgage already sent to them. WHEDA 's attorney is mistakenly claiming that they do not have to stop the foreclosure because the HAF application was not received 37 days prior to the sheriff 's sale. She is citing CFPB guidelines to support this violation. 

The Wisconsin Housing and Economic Development Authority is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. 

Email : XXXX Tel : XXXX Fax : XXXX Toll Free : XXXX Sincerely, Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
California Bank & Trust is a divisions of Zions Bancorporation, XXXX. 
I was disputing escrow payments and finalizing a loan modification in early XXXX. I was told that escrow payments for my property insurance would be removed once I 1 ) signed the loan modification agreement 2 ) allowed for a couple of new loan modification monthly payments to process and 3 ) paid off the balance on the escrow. I did everything the bank asked and paid {$3700.00} on XX/XX/XXXX. I mailed a letter requesting removal of the escrow on XX/XX/XXXX and the bank said my request was denied. Now I have to pay a higher mortgage every month and I can't pay my monthly bills. XXXX misrepresented themselves to me and explicitly told me they would remove the escrow payment if I would just sign the loan modification documents. The misrepresented themselves again when they told me to pay {$3700.00} and they would remove the escrow payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
There are accounts being reported on my credit that are inaccurate and I do not give Equifax written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: LA

Complaint narrative:
I had an allotment going to the bank routing number XXXX since XX/XX/2017. It was supposed to pay for a XXXX policy. The account number was wrong or according to the bank does not exist. XXXX says the money was not returned to them. The bank says they did not receive the money. The bank has not helped me at all and the last person I spoke to was very rude. I have XXXX or I would not even know this happened. Please help me find out how to get my money returned as I need it due to illness. I have no XXXX policy and I do not have the money that was supposed to pay the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
1. please remove old items i.e XXXX XXXX XXXX  XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid

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 2022-11-03 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:
On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account Number XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Self Financial Inc.
State: MN

Complaint narrative:
i brought something from a seller i met on XXXX i used XXXX  to complete a transaction with them. the seller got my money then told me i had to wait until the next day to receive the documents i paid for. he stopped answering the phone and i tried to dispute it with XXXX but they told me they wont do anything about it. i then went to my card company and explained that i was scammed and wanted to reverse the transaction since i didnt get anything for the {$150.00} that it cost me. they claimed to do an investigation and found no error. I was scammed and told them this and they still refused to give me back my money. there are 3 people involved in this transaction besides me and no one is willing to give me back my money or the product i paid for. I dont understand how they can just decide that there was no error made when i paid for a product that i never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated try rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of construction - Exclusions.

-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On behalf of my late grandfather 's safe deposit account, The Staff at the XXXX XXXX of Capital Bank was forced to close his account on XX/XX/XXXX without his knowledge by mail. Unfortunately, he passed away on XX/XX/XXXX. My family and I have attempted to get his valuable contents from a safe deposit box. The contents are {$10000.00} cash, jewelry, and a XXXX property deed. Therefore, It has been unsolved since XX/XX/XXXX, even with help from an attorney. Recently my attorney filed a petition from a XXXX XXXX XXXX last XXXX, but still no resolution because of the unassigned file number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
i brought something from a merchant on cashapp. I sent this person {$150.00} and they wont give it back so the companies told me i have to get it back from the seller, but they seller wont give it back. the merchant did not send the product and stop answering my calls. cashapp told me there was nothing they can do about it. my card company ( XXXX, XXXX ) told me there is nothing they will do about it. i was scammed out of my money and every company is telling me they wont do anything about it. they did an investigation and found no error. I dont know how me getting scammed was no error but i want my money back.

Company response to consumer: Closed with explanation