vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This complaint is for providing knowingly false information by Customer Relations Specialists XXXX XXXX and XXXX XXXX, employees of RightPath Servicing while acting on their ( The Company 's ) behalf. In response letters dated XX/XX/2023 and XX/XX/2023, the Customer Relations Specialists mentioned, knowingly made false statements by claiming the XXXX master insurance policy for XXXX XXXX, provided by the borrower, does not provide insurance coverage equal to or in excess of an XXXX policy. This is a knowingly false statement as the Customer Relations Specialist was provided a SIDE BY SIDE image, a comparison of the XXXX master insurance policy and the XXXX policy purchased by RightPath Servicing . It CLEARLY shows the XXXX master insurance policy covers ALL of what is found ( insurance coverage ) in the XXXX policy purchased by the loan servicer, RightPath Servicing. The XXXX master insurance policy actually provides more coverage than the XXXX policy purchased by the servicer, RightPath Servicing XXXX The Customer Relations Specialist has taken the position that they can arbitrarily decide to accept or deny the insurance coverage provided by the borrower, in the form of a master insurance policy for XXXX XXXX XXXX. In addition, RightPath Servicing has never provided the requested documents, that being the actual master insurance policy the servicer claims to have reviewed on multiple occasions and proof of their claim that a previous insurance policy for the property had " expired ''. This complaint can not be dismissed as a previously addressed issue as the false statements in this complaint are unique as to the parties mentioned and the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. 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 2023-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America are depriving consumers the opportunity to open end consumer credit plans, the requirements for home equity plans, which is clearly against federal law, per 12 CFR 1026.5, 12 CFR 1026.6, 12 CFR 1026.40, per 15 USC 1637, 15 USC 1637 ( a ) ,15 USC 1691.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: TX

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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, 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 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 2023-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told a few months back that I was to be forgiven my loans dating back to XXXX via XXXX XXXX, XXXX Fl as i.had public service job with 80 % XXXX  vet for XXXX yrs till he died XX/XX/XXXX. My income is XXXX a month and I am XXXX XXXX  in debt since moving from XXXX  to XXXX and I am XXXX yrs old!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
XXXX XXXX I could no longer pay my Home Depot credit card XXXX XXXXXXXX. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed XXXX XXXX XXXXXXXX I was served a court order from a XXXX XXXX XXXX XXXX attorney XXXX  XXXX  on behalf of XXXX XXXX XXXX saying I owed this debt even though it was after the XXXX years legal to collect the debt in XXXX and was now a legal resident of XXXX XXXX so XXXX  years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I informed them was XXXX years past the legal standing to attempt to collect a debt in XXXX  since that was where this case started and even if it went to XXXX it was still a year past their legal standings and the attorney told me this call was over and hung up on 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Formal Complaint Regarding Identity Theft and Inaccurate Debt Reporting by Allied CollectionXXXX XXXX XXXX XXXX 

I am writing to file a formal complaint against Allied Collection concerning a debt associated with XXXX XXXX XXXX. The account in question has a sum of {$3400.00}, and I am disputing its validity. I do not know this account, and it is not mine. My primary concern is the impact it has on my credit report. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX Debt Amount : {$3400.00} Background : In 2022, I filed an identity theft report with the Federal Trade Commission ( FTC ) under the reference number XXXX. This report was submitted to address fraudulent activities and unauthorized accounts opened in my name. The debt associated with XXXX XXXX XXXX is one such account, and I am formally disputing its accuracy. 

Requested Actions : Deletion from Credit Report : I request that Allied Collection promptly remove the account in question from all major credit bureausXXXX,  XXXX, and XXXX. The inaccuracies on my credit report are negatively impacting my credit score and overall financial standing. 

Verification of Debt : I ask for a thorough investigation into the validity of this debt. I have attached a copy of the identity theft report submitted to the FTC for your reference. 

Cease and Desist Communication : I request a cessation of all communication from Allied Collection related to this disputed debt. Pursuant to this request, please refrain from any further attempts to collect the debt or report it to credit bureaus. 

Enclosures : Copy of Identity Theft Report ( FTC Report Number : XXXX ) I understand the seriousness of identity theft and the importance of maintaining accurate credit information. I appreciate your prompt attention to this matter and request that Allied Collection comply with the necessary actions outlined above.

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 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I attempted to transfer my funds out of my cheesing and savings account. Chase was able to transfer the checking account but we're unable to transfer my savings account funds after multiple attempts and many phone calls. They forced me to pay to access my own money through a cashiers check disbursement and did not give me an option for a free way to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: CT

Complaint narrative:
I seen the collection appear on my credit report. I called the company verbally requested proof and sent an a debt validation letter. I received some type of medical coding that gives me no number to contact the medical billing department. I am unable to find a number to call the hospital as they have merged with another company. I am XXXX per XXXX and have full medical coverage. I have been to the hospital before and after the date listed and have had no issues. I contacted my health insurance and they have no bill submitted at that time for medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past few months I have been disputing inaccuracies on my credit report. Outdated and irrelevant accounts, accounts that have been paid in full but are still reporting a balance ( XXXX XXXX ), incorrect credit age, it should be recalculated because it is much higher, unauthorized credit inquiries and fraudulent late payments being reported. XXXX XXXX XXXX ( b ) Timing of payments specifically states that a creditor may not report payment as late on a XXXX XXXX account under an open ended credit plan unless they have adopted reasonable procedures to ensure that periodic statements have timely been sent to the consumer within 21 days of the billing date. I have continuously asked for proof from the CRAs and creditors alike to provide this information. They can not provide proof that they have sent periodic statements for the accounts that they continue to report derogatory late payments to. It needs to be corrected. Equifax specifically is reporting to accounts twice, negatively affecting my report and ability to obtain credit. The inaccuracies need to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2023 called the agency and was told to log in online and submit a dispute. Still today no update. 

XX/XX/2023 submitted another dispute and still no update. 

XX/XX/2023 submitted another dispute no update. 

XX/XX/2023 submitted another dispute no removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CCS XXXX is attempting to collect on an alleged debt. They sent me a letter which contains more than XXXX FDCPA violations. I will attach a copy of the letter highlighting each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm XXXX XXXX. Regional Acceptance Corporation did not have MY written permission to furnish anything on my credit report. Regional Acceptance Corporation has not furnished any documentation of validation ( sworn under oath ) or judgment that I owe an alleged debt.

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 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I had someone send me {$200.00} on venmo I got some of the money off but then out of nowhere the froze my account and no I can't even get my money. XXXX has been calling everyday and emailings. Account specialit was XXXX was expired ID and they won't. Let me get my money. Then more keeps throwing me around in a circle to the next person. Then back to other people, venmo is not right. I just want my money and close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Inquiries 1. XXXX XXXX XX/XX/2023 2. XXXX XX/XX/2023 3. XXXX XXXX XXXX XX/XX/2023 4. XXXX XXXX XX/XX/2023

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I opened a Destiny Mastercard, and have been making payments on time. Each and every time I make a payment the company puts the payment on a 14 day hold without any explanation and or notification. I asked the supervisor for the reason why and she said that she did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Coast 2 Coast Financial Group, LLC
State: TX

Complaint narrative:
This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the wrong payment information. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with Coast 2 Coast lenders to remove this account from my credit report once account was paid. The account was satisfactorily paid in XXXX  so I am confused as to why this information is being furnished to XXXX. I am enclosing a copy of my credit report. Please remove this account from my credit report COAST 2 COAST LENDERS 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 2023-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by XXXX XXXX XXXX XXXX because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: CT

Complaint narrative:
Me and my Fiancee were served eviction for failure to pay water bill even though the lease said landlord was responsible. When we went to court, the landlord 's attorney asked for mediation. We signed an agreement to turn the eviction into an end of term agreement. We agreed to move out and leave the unit in broom swept clean condition. We signed a stipulated agreement that if the landlord didn't withdraw the original complaint and agree to the end of term agreement, We were to file a motion to open for the case to be withdrawn. The landlord never responded within the allotted time period and we were granted a judgement of dismissal. We were contacted by Hunter Warfield in XXXX saying we owed a debt based on terms of the lease that we signed. We explained to them that we were never found liable for any debt and any thing pertaining to the lease was dismissed along with the original case. We also sent them a certified debt validation in XXXX letter to which we received no response. We contacted the credit agencies and had the collections removed from our reports. Even though we didn't receive any validation to prove we owe the debt, Hunter Warfield has once again sent correspondence asking for payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I tried to get an XXXX XXXX XXXX  account and they told me one was already active and that I had to add a line to that account. I explained to them that it was not my account. The guy asked me for my address my phone number and he told me all the information was correct except for the address and that the account belonged it to me I explained to him I have never had service with them And right after that a few months later, the account hit my credit report Ive been disputing. I contact them several times and he told me it was nothing they can do about it that all the information was correct. The guy change the address to my current address.

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