vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
THIS IS NOT A NEW COLLECTION ACCOUNT AND WAS REMOVED BY XXXX XXXX WITHIN THE PAST MONTH. IT IS FROM A COMPANY NAMED PARAMOUNT RECOVERY FOR {$900.00} AND CLAIMS TO HAVE BEEN OPENED ON XXXX BELIEVE THIS STEMS FROM AN EMERGENCY ROOM VISIT FROM 7 OR 8 YEARS AGO THAT WAS SUBMITTED TO INSURANCE FOR PAYMENT. I HOPE YOU CAN HELP ME GET THIS REMOVED FROM MY CREDIT HISTORY WHICH HAS SCORES IN THE 760 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received an email today, XX/XX/2022, from Suntrust now Truist regarding my annual escrow analysis. There was a PDF attached which provided a breakdown of the options ( pay shortage in full, increase payment to cover the shortage ). Fine. 
Nowhere on the PDF did it say WHEN this had to occur by ( keeping in mind that my next monthly payment is due XXXX 1-did i have to do this in a week? ), nor was there a coupon attached as the notice said there was. Very frustrating due to the lack of details. 
I called the company and they indicated there was not going to be any coupon mailed. I could : 1 ) use the PDF to accompany a check and mail the payment in or 2 ) use my monthly mortgage statement ( which was my idea, not theirs ). I can see this is going to a servicing nightmare for them! 
For something so important to most people-the mortgage on their home-this email from Suntrust now Truist was stunning in its lack of detail-no due date for when to pay the shortage nor how to pay it as the referenced coupon is non existent. 
The company rep I spoke with provided all the relevant information. Imagine how much time Suntrust now Truist would save if they actually sent out a complete notice replete with due dates and coupons. I am not happy with their statement and how it was delivered, but I was able to obtain the information I needed.

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2022. I ordered a Pre Paid American Express XXXX. I received my card via mail on XX/XX/2022. I called the number given on the back of the card # XXXX. I was able to successfully " activate '' the card, however when I go to login to their website to check my account, their website gives me an " error '' message saying to " try back later '' this has been happening every single day since I activated the card. 

Also, the same thing is happening with their XXXX XXXX phone app. I try and use the " forgot my username '' and or " forgot my password '' functionality and neither works either. I have already submitted a request to my employer ( direct deposit ) previous to me knowing I was going to have these issues. I tried calling the " customer service phone number '' on the back of the card to report the problem however it ONLY gives me the option to " activate '' the card, it does NOT allow me to select an option to speak with an actual representative. 

I also did some further research online to see if anyone else was having this issue. There are multiple complaints regarding multiple issues with the American Express Blue Bird Card on XXXX, XXXX, XXXX. 

Please advise? 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: ID

Complaint narrative:
Had property taxes wrong. The property insurance has been a issue for 5 Months.. Company put lender insurance on the property, I now have XXXX policies. I had to place place a new insurance policy in 2021 because the firm had let original policy lapse. .The lender insurance policy purchased did not cover the property replacement value and non coverage for personal property. I have tried to make contact through the VA, XXXX XXXX XXXXt, the servicer ( XXXX ) more than 10 times and no response. No body home. Help!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2022-01-27 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: Early Warning Services, LLC
State: FL

Complaint narrative:
There is a consumer report from EarlyWarningSolutions which states an account from XX/XX/2017 is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX that this account with this account number is not a valid number or valid account with XXXX XXXX This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC
State: TX

Complaint narrative:
In late XX/XX/XXXX I was sent an escrow shortage letter IN THE MAIL. On XX/XX/XXXX I sent the attached letter requesting that the shortage be spread over 60 months as permitted by XXXX guidelines XXXX I also attached the guidelines to this request. In my request, I asked LOANCARE to send me a WRITTEN CONFIRMATION that this shortage will be processed over 60 months. I'm yet to receive any updates. 

My experience with this company has been appalling to say the least and I do not trust that this issue can be resolved without CFPB intervention. Without getting the resolution in writing, this company would most likely readjust my due payments incorrectly after next years escrow review. The service reps I've spoken with are just as clueless as they come with no product knowledge to resolve issues.

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 2022-01-27 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: NJ

Complaint narrative:
I am a victim of identity theft. I have requested documentation of how these accounts were opened including my signature and have not gotten a response. I am looking to have this debt removed from my name and press charges against the person whom opened the accounts. I have filed a police report and also reported on XXXX. A fraud affidavit was also sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have used Comdata to provide lumpers for my drivers. I used transactions to see charges. I found out when trying to reconcile my account, Comdata added a fuel program and tire program that I never agreed to. I have my own fuel and repair accounts with XXXX and XXXX account. They charged XXXX and XXXX a month. They agreed to remove one charge. I was also charged {$150.00} for late fees totalling {$4000.00} for the year of 2021. I am saddened and embarassed by their abuse and my hindsight. I had a {$3000.00} credit line that I paid with my bank bank account, this does not show a due date. They said you had to pay every 5 days. I was never aware of this. I asked for all monies to be returned. They said they would research it. I asked for a supervisor. I was told a XXXX would call me, no call, I called again and I was told it was escalated, ( no call in over a week. ) I have 10 fleet managers per comdata and have spoken with XXXX, XXXX, XXXX and XXXX. I closed my account, so not to incur any additional fees. I am unable to get back in and review any charges and or credits and have asked for someone to contact me. This has not happened. After being on hold for 20 minutes, customer service, XXXX said send an email. Here is my email. I will be awaiting your response. 
You are welcome to call me at XXXX x XXXX, XXXX XXXX to XXXX XXXX  or call my cell XXXX. 

Comdata received this email today XXXX plus all the other calls that happened throughout this month. 
. 

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 2022-01-27 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX  Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USCB Corporation
State: AR

Complaint narrative:
This is 3rd call I received a call from a company called USCB Corporation XXXX. The first two times were hang ups but this the woman didn't say anything until I said " hello '' a 3rd time. When she finally started talking, she asked for my name. When I gave her my name she started saying " this attempt to collect a debt '' then proceeded to say it was for an online course. I told her I didn't take an online course. She says, " Yes you did, it was an online course, I said " with whom '', she says " " XXXX XXXX '' I said " I don't know what you are talking about, I didn't sign up for an online course ''. She then says " I can send you the bill, if you just give me your date of birth '' ... 
Me : " just send me the bill and I will call back to dispute it '' Her : " I'll send you the bill once you give me your date of birth '' Me : " If you have my address, why don't you send me the bill? '' Her : " JUST GIVE ME YOUR DATE OF BIRTH AND I CAN VERIFY YOUR INFORMATION AND SEND IT TO YOU '' getting loud with me. 
Me : " I'm not giving you information you should already have if this really my debt '' Her : *Hangs UpXXXX

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 2022-01-27 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
XXXX XXXX account is fraud and please remove and block, I contacted XXXX XXXX serval months back and told them there was a account that was opened under my name that was fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The attached letter to Citizens Bank documents the closure of my personal checking account, which has resulted in my inability to pay my bills. The account has or had exactly {$3900.00} at the time of the improper closure of the account, as I had deposited {$3100.00} into the account at XXXX on XXXX XX/XX/2022 with a bank teller, who gave me a deposit slip for the transaction ( my bank card was used/swiped for the transaction ). Soon after I left the bank, I went to a local baker to purchase {$15.00} worth of bread, and my card was rejected three times. I called my branch manager, as indicated in the attached letter, and she said the card was shut down, but said it was nothing to do with anything she or her teller had done, and that I should call the bank 800 number. This has happened the previous month as well without explanation from Citizens Bank, and a new card had been issued, but this time when I put the card number in, there was no fraud alert. Instead the 800 automatic service said there was no such account at all. I was then placed on hold for some time until a Citizen 's customer service representative came on, and told me my account had been put on " hold '' for review and that someone from " the Director 's Office '' from the bank would be in touch with me within 2 business days. I asked to be put through to the Director 's Office, and they said that wasn't possible, and that there was no phone number to call directly. The rest is set out in the attached. It is now 4 business days, since this occurred, and I have had no contact from the bank at all, no email, no mail, no phone call from any representative from the bank, although I emailed the attached letter on the morning of XX/XX/2022 to the VP in charge of Branch Services, and to her boss. Neither has replied to my email or letter, and I have also overnighted the letters. Needless to say I'm in shock. I don't know what has happened to my money or my account, and the bank, which has published office numbers that don't work, has not contacted me at all. I don't know how to pay my bills or what is happening at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: CT

Complaint narrative:
I hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2022-01-27 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: FL

Complaint narrative:
I been trying to get in contact with all three credit bureaus since XX/XX/21 and still haven't received response from any one them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately :

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Person made a post on XXXX selling car parts on XX/XX/21. I proceeded to buy car part from this person for {$1000.00} thru XXXX and my bank Capital One. Found out next day XX/XX/21 it was a scam, I immediately contacted XXXX and Captial One about the fraud/scam. Both companies said they could not help get my money back and refuse to help which I'd think I'd be protected against fraud from my own bank, but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, XXXX, Experience due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

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 2022-01-27 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: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

Company response to consumer: Closed with explanation