vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: MD

Complaint narrative:
Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. 
This discrepancy was reported directly to the company listed as well as the credit bureau. 
Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. 

Line item being reported was established without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
NordstromTDBank open in XXXX my Identity was taken and chargers were made. I called in to report, creditor stopped chargers being made and a couple of weeks later it was reopened when the thieves called in pretending they were me in which it wasn't me but they had my personal info. Police report was given at the time of the call the first call. They

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on serval dates XXXX. XXXX, Equifax and XXXX have completely disobeyed FCRA. they have not removed personal information that needs to be removed immediately. XXXX, Equifax and XXXX have not marked accounts as disputed. So, I'm requesting that they delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 with the Fair Credit Reporting act XXXX  ACCOUNT # 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.

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 2022-12-20 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 with the Fair Credit Reporting act XXXX  ACCOUNT # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom it May Concern, My name is XXXX XXXX, and I am writing to file a complaint regarding the treatment of my account with SPS Mortgage company. 

I was offered the repayment plan for my mortgage starting in XXXX of 2022. I called the company and asked to set up automatic payments, to ensure my payments were received on time. A representative of SPS told me that they were only able to set up automatic payments three months at a time, meaning the money would be withdrawn from my account in XXXX, XXXX, and XXXX. I agreed to this and gave my information to set up automatic payments, anticipating that my payments for those three months would be taken care of. 

In XXXX, I noticed that SPS had not withdrawn any money from my bank account. I called SPS to address this, and was told by the representative that I did not set up automatic payments, even though SPS had automatically withdrawn money from my account in XXXX and XXXX. The representative then suggested that I could set up the automatic payments again, to cover charges for XXXX, XXXX, and XXXX. I agreed to set up automatic payments again, hoping that the issue would be resolved after speaking to the representative. 

Recently, I have received concerning letters from SPS dated XXXX XXXX claiming that my repayment plan was canceled due to payment delinquency. This claim is false, as I had ensured my payments would be on time by setting up automatic payments with SPS representatives. Simultaneously, SPS has still automatically withdrawn money from my account for the month of XXXX. { XX/XX/2022 ] At this point, the lack of competence and harassment from SPS is causing an outstanding amount of stress, and I will be pursuing further action if this issue is not resolved in a timely manner. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
Hello, My name is XXXX XXXX I am a HUD Certified counselor and helping XXXX XXXX with his mortgage loan. We applied for Mortgage assistance through The State Of Colorado and did receive it back on XX/XX/2022. USBank processed the check on XX/XX/2022 for the amount of {>= $1,000,000} which should have been applied to my loan and in this case pay it off so we thought. They instead applied it to fees according to my XXXX statement nothing was applied to the balance. I have been trying to get them to speak with me and sent in several 3rd party authorizations and they needed me to add a PIN and my company 's tax ID number which have done and just resubmitted it. I am asking you to step in and see if we can get some kind of resolution to this issue. They say he has a payment amount of {$400.00} and something but there is not payment amount on this statement or even when it is due by. XXXX XXXX is XXXX XXXX XXXX XXXX and he does not understand this. He rarely recalls even getting the loan but we do have loan docs showing where and when he got the loan.

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 2022-12-20 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 with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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 2022-12-20 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 with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 with the Fair Credit Reporting Act XXXX XXXX XXXX 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.

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 2022-12-20 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 with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: LA

Complaint narrative:
I sent a letter on XX/XX/2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved. I am also attaching my ID so this time please continue your investigation for this matter of great importance.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispute number : XXXX This bank 's online system does not let me attach any documents. This bank 's fax number does not work. Attached are supporting documents. 

Two items in concern were returned to XXXX. Crooked XXXX is not willing to refund me my money. 

XXXX ) XXXX XXXX : This item was returned at the XXXX store. The XXXX store provided me with a return receipt. The return receipt is attached with this message. You will find the tracking details in the return receipt for this item. 

XXXX ) XXXX : This item was picked up from my house. The tracking number for this return is 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 monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2022, I received a call from someone using my credit union phone number. They said there were suspicious activities on my account and needed me to verify whether I made those charges. As we were going through the transactions, I was sent a code to verify so that the charges could be reversed. However, what happened was that they gain access to my bank account and wired out approx. {$20000.00} in XXXX separate transactions. As I was speaking to the credit union later that afternoon, XXXX of the wire transactions failed and part of the money went back into my account. The scammers changed my email and phone number. I have been working with my credit union to reestablish my account but I have not been able to get this done. I have called every day and each time the member service person gives me a different answer and indicated that someone would be calling 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 monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I spoke with my loan consultant at Better ( XXXX ) via phone to discuss my loan. We discussed the appraisal process and that the appraisal would be ordered and scheduled when I arranged that time with Better. I confirmed that the appraisal would NOT be completed prior to my scheduling the same as I was waiting on the inspection report and was also in the process of shopping for rates from other lender. I was assured that was not the case and XXXX encouraged me to continue shopping for lenders as Better would match any offers by other lenders. 
I received an email on XX/XX/XXXX that my appraisal was ordered. I confirmed that I did NOT want the appraisal completed and was assured it would not be completed until I scheduled the same. I received an email on XX/XX/XXXX that the appraisal was scheduled and on XX/XX/XXXX received an email that the appraisal was completed and would be sent to me. The appraisal was ordered without my permission when I EXPRESSLY prohibited the same until my consent was given. 
As a result of the appraisal being ordered without my permission and having received little to no communication regarding my loan from XXXX after multiple attempts for assistance through the application process, I decided to proceed with another lender. 
On XX/XX/2022, I sent an email to my loan consultant XXXX and a team leader XXXX requesting my appraisal to be transferred to another lender for closing. I did not receive a response to said emails. I received a call from another loan consultant who attempted to salvage the mortgage. After several conversations wherein we reached an impasse I confirmed via phone that the appraisal needed to be transferred and was assured the process would be completed as soon as possible. 
My new lender and I have sent multiple emails to Better attempting to request the appraisal be transferred. I close on XX/XX/22 and it is now XX/XX/22 with no completion of the process. I have been told Better is waiting on a " paid invoice '' before they will release the appraisal. There has been no contact with me directly outside of my numerous calls into Better wherein I am constantly told everyone is on a call or a meeting and I'll be responded to, but I do not receive a response. I was charged {$550.00} for the appraisal on XX/XX/XXXX. The amount has cleared and was given to Better for an appraisal that was not permitted to be ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I attempted to pay the company that owns my apartment in the amount of {$310.00} on XX/XX/XXXX for fees associated with my living space. On XX/XX/XXXX, the money was re-added to my apartment 's list of charges, along with a Non-Sufficient Funds ( NSF ) fee of {$100.00} added onto it. Checking back later, on XX/XX/XXXX, I found that I now owed {$430.00} as a result of the company not receiving the previous funds, the NSF fee, and late fees. I immediately attempted payment again, only for the same incident to occur again today on XX/XX/XXXX, with another NSF fee applied, resulting in {$530.00} being the money I now owe. On both occasions, I attempted payment with XXXX. 

Panicking, I check my bank statement to find when I sent in the money. I vividly remember having the appropriate funds prior to paying the landowning company on both occasions, and when checking my balance after, I found that the amount of money I sent in was missing from my account. However, I can not find the money listed anywhere on my account. 

I had called the number on the back of my US Bank XXXX XXXX for assistance, and was told by the agent I reached that the transactions never occurred. When I asked where my money went then, the agent avoided answering directly, and suggested I speak with the merchant I paid. I then discussed the problem with my leasing XXXX, who stated that most tenants in the building I live in pay their bills with XXXX, and that no one else had this issue. 

I am now missing {$740.00}, and I can not find when or where they went on USBank 's XXXX XXXX site, or their mobile app. I then checked online and found that earlier this year US Bank was fined {$37.00} XXXX for stealing from their customers, and I fear they've simply found another way to do so, and that I've become a victim.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX, Ive been unable to get my credit report or score from XXXX and experian. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.

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 2022-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Rocket Mortgage sent over {$6000.00} to XXXX XXXX XXXX XXXX FL when {$0.00} should have been sent. 
They deducted it from my personal escrow acct. leaving me debt for flood coverage already paid by my XXXX XXXX XXXX XXXX XXXX. 
Rocket Mortgage deducted this amount on behalf of XXXX units at XXXX Condos They acknowledged verbally on XX/XX/XXXX that the check was sent out due to an error on Rocket Mortgage. 
They have yet to refund my escrow and have raised my mortgage payment where I will be in default as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 : It also states a consumer reporting agency can not furnish a 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 items of information, other than records of convictions of crime which anthedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has responsible cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Filed a complaint with Aidvantage last month and with XXXX before then. Still have not received any information regarding my account or loan refund request. I requested a refund of a student loan payment from XXXX back in XXXX of this year. I requested a refund of my last payment that was made on XX/XX/2020, for the amount of {$21000.00}. I didn't hear anything back. I called back 2 months later and found out that my account had been transferred to Aidvantage. 

So I called Aidvantage and they did not have my account info. They said that it would be available " mid XXXX ''. XXXX XXXX has since passed and I still can not create an account with Aidvantage or get any information about my payment refund request, or my account at all. They lied several times and switched up the story each time I called and gave me conflicting information about dates. 

In general I received no notification at all from Aidvantage letting me know that they are taking over my account, and when calling them they have no info. Not a letter, not an email ( I checked spam folders, etc ), not a text message... nothing. I also have not received any notice or communication from XXXX that they were even transferred to Aidvantage. Calling these companies is the only way to find out info. That has to be illegal. Corporations are working behind the scenes without giving any knowledge of my account or where my information is being moved to. I filed previous complaints and made dozens of calls with both companies with no success.

Company response to consumer: Closed with explanation