vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: GA

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 these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In late XXXX went to the drive through of a truist bank asked for a certified check for {$1100.00}, teller pulled up a joint account that was not mine and after ealizing the mistake froze their system. I was working I was asked to come inside and then they wanted me to come back at XXXX in the XXXX. I came back the next day as the bank opened and was there for a hour and a half and was told by a bank officer that usually the money would have came out of the managers account but they took it out of the tellers account is what I was told. They gave me the certified check and as I left I said " is my money ok? '' He said " yes sir '' I gave the check to my landlord and it took 2 weeks for the check to be recognized as no good. I went back up to the bank where I got it from and they said it was a mistake that there was 2 checks out their and needed information from my landlords bank. I gave them the information I could get from him that he deposited it from a paper deposit check with other checks. When I found this out I went up to that bank and as I walked the manager stopped me and said very bluntly that they could not help me. I told him that somebody would help me before the end of the day and I went outside and sat in my truck and filed a complaint with their headquarters in XXXX NC over the phone.i have now paid XXXX, XXXX and XXXX rent and my XXXX still isn't payed. The stress has been unbearable I am a XXXX XXXX XXXX XXXX  who gets no help from anyone. And have been up to my regular bank 4 times with no results, my landlord is well known in the area and it is amazing that he hasn't thrown me out by all I want is for them to make it right they have my money.

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 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX  sold an account to LVNV Funding. I have submitted disputes with XXXX XXXX and have been told XXXX is buying back the account from LVNV Funding. However LVNV Funding has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at Resurgences capital or XXXX XXXX XXXX have access to LVNV funding information they are only tasked to collect the debt of which I do not owe. LVNV Funding is also reporting multiple inaccuracies to the Credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX$1700.00} 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 a 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 2022-06-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$1700.00} 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a 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 2022-06-13 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-06-13 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: IL

Complaint narrative:
Equifax will not investigate and remove inquiries that were fraudulent I talked to several representatives in the fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank sold an account to XXXX XXXX. I have submitted disputes with synchrony bank and have been told Synchrony is buying back the account from XXXX XXXX. However XXXX XXXX has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at XXXX XXXX  or XXXX XXXX XXXX have access to XXXX funding information they are only tasked to collect the debt of which I do not owe. XXXX XXXX is also reporting multiple inaccuracies to the Credit Reporting agencies.

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I received a Coinbase Debit card in the mail on XX/XX/2022 but I don't have a Coinbase account. 

The debit card was sent to my home address and is in my name. 

I am unable to speak/chat with anyone at Coinbase as I don't have the email address or password for the Coinbase account created in my name. They do not have a way to recover an account using the owner 's social security number. 

Coinbase website states it requires identity verification before issuing a debit card but there is no way for me to use that information to gain access to this account created in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sirs, I have had 2 lines of credit with Bank of America since 2005. One is fixed and the other was variable. I have fully paid off the variable portion some months ago but during the process was never able to get a payoff amount for the variable portion. I pay my fixed rate portion on or before the XXXX of the month at the branch in cash and always pay additional toward the principal. I have been incessantly harassed by phone calls from Bank Of America stating that I have not paid my loan payment on time. I have repeatedly told them that I have the receipts but they tell me that the branch does not reflect the payment. This happens practically every other day and honestly I fear a sort of set up. they send me statements that I owe XXXX cents on the variable portion. I feel that this is totally in bad faith and that they are trying some sort of unseemly tactic. I feel harassed and harangued. I want to have my fixed HELOC vacated and damages awarded.

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 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
In accordance to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 section 604 A Section # 2 Also states a Consumer reporting Agency can not furnish a report without my Written Instructions 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Received an email stating an bank account was opened using my information including social security number. I contacted the institution and closed the account 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 2022-06-13 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there are unauthorized inquiries for XXXX  XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
there are unauthorized inquiries for XXXX XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CT

Complaint narrative:
**** In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-13 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: CT

Complaint narrative:
**** In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 3.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7 Validate Account NCA Account XXXX : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report XXXX10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 11.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Since XXXX My mortgage company ( PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has made repeated errors to my account. I switched XXXX XXXX XXXX as of XX/XX/2022. Since then my mortgage company has insisted I pay XXXX monthly on top of the XXXX they draft monthly. My new home owners insurance is much lower but they can not seem to understand what they are trying to do. Then they sent XXXX separate payments to my new insurance company, XXXX for XXXX and another for XXXX. It took me calling over and over to find someone that would help fix the problem. In the meantime, I sent in XXXX by check and marked it for escrow along with a letter stating the payment was for escrow. However, they took XXXX out of that check and drafted my XXXX as mortgage payments. I have called and spoken to a lot of representatives but it leads XXXX. My credit rating has dropped as well. I am a XXXX parent and care for my XXXX XXXX XXXX My budget goes to bills first and then I put extra down when I can. This company is totally out of controlling and should not be in the mortgage business. My loan was sold in XXXX to PHH and I have had nothing but problems since. Any assistance would be so appreciated. The company has never reached out to me with any type of notification as to what and why they are doing these things. I have not recourse as to who buys my mortgage, but they can ruin a person 's credit with no questions or responsibilities.

Company response to consumer: Closed with explanation