vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I called to Wakefield & Associates due to them calling me and leaving a voicemail about debt needing to be collected. I called to get information on what supposed debt they had about me. The rep shared that I had medical bills not paid for the service dates of XX/XX/XXXX and XXXX XXXX, XXXX and that this was my Acct XXXX to pay the debt online. I informed them that I never received a bill from the doctors to reprovide my insurance for insurance to cover and pay. Wakefield and Associates told me that it was too late provide my insurance information to cover the bill with the doctors. I asked to know who the doctors were, they shared it was XXXX XXXX XXXX and XXXX XXXX. I tried to follow up with the doctors offices and was unable to get ahold of someone associated with these doctors. I called my XXXX insurance to ask if they had ever received a claim from these doctors for those specific dates. The XXXX XXXX I spoke with, his name was XXXX and verified that they never received a claim and asked that I try to get the itemized bill to resubmit a claim. I shared that it was sent to collections. XXXX was willing to help me get Wakefield and associates on the phone and get that information. I provided XXXX with Wakefields number. I verified myself to Wakefield. I gave XXXX permission to speak on my behalf and try to get the itemized bill. Initial Wakefield rep had to transfer our call to the Manager of my account. I believe the manager we spoke with was XXXX XXXX. After speaking with her, she confirmed that she would email the itemized bill to XXXX for the claim to be submitted and pay bill. 60 days after this call, I followed up with my insurance claim department because Wakefield reached out again about the debt. The rep I spoke with shared that Wakefield never sent the itemized bill and that the claim has not been submitted. Over time I have called Wakefield to provide the itemized receipt and state the name of the manager who told us she would send it and they dont send the itemized bill. I am tired of calling to get this cared for when my insurance is willing to pay the bill and just need the itemized bill and this company is not being complacent and giving me the run around. This is very frustrating and I refuse to pay out of pocket for a service that happened while insured and covered by insurance. I have been working diligently with XXXX credit repair to get this cared for and I am very frustrated with this not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2022 I sold a property. The property had a Truist home equity loan. They initially lost the payoff from the title company that closed the property. The XXXX envelope was signed for by a Truist employee. About a month later, they admitted that they lost the check and asked the title company to issue a new check. The account should have been closed since the property had been sold. 

However, they subsequently force placed insurance and charged me for that insurance. They withdrew the money from an account at another bank even though I had deleted all payment information prior to selling the property. Every person at Truist told me that was not possible since I had deleted all payment information. Yet, they still found a way to steal the money from my other account. 

In XXXX, I was told it was all taken care of and the insurance had been canceled. But now, Truist has sent me another letter threatening me with forced placement of insurance yet again. No one at Truist is smart enough to figure out why they keep buying me insurance for a property I do not own.

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 2022-09-01 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 Acts XXXX XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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 Acts XXXX XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These items has been reporting inaccurately.

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 2022-09-01 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These items has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc.
State: VA

Complaint narrative:
I received a bill from debt collectors Vanguard Financial Services , Inc. in the mail stating that this is in advisement of a delinquent account and how it may be reported to a National Credit Reporting Agency. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Vanguard or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. 

I have no contract with Vanguard Financial Services , Inc . I have yet to witness a " wet ink '' signature between XXXX XXXX and Vanguard Financial Services , Inc nor have I ever received a True Bill in commerce in regards to this account. Vanguard has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage was not recorded and affecting my ability to VA refinance. 
I am currently in the process of doing a VA cash out refinance loan, appraisal ordered and paid, rate locked and just found out the present lender never recorder my mortgage in error. Mortgage not being recorder is hampering my ability close on this loan. I contacted ( XXXX and XXXX ) my servicer NewRez and they could not provide my with a direct contact information to my lender in order to expedite this problem and to top it off XXXX hung up on me.. My rate lock will expired in about 10 days and I need to mortgage to be recorded ASAP and cant seem to obtain the proper assistance. 
I have attached a copy of my mortgage statement with all the pertinent mortgage information to hopefully assist you with expediting the recording of my mortgage. 
Also About 6 months ago I attempted to do a VA refinance directly thru my NewRez servicing company. They ordered appraisal ( paid by me ) ordered title report. 
Why did they not notice my mortgage was not recorded then? 
I am available for you call after XXXX Central time.

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 2022-09-01 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-01 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: PR

Complaint narrative:
My identity was stolen I send a dispute to Transunion for the accounts and they still reporting this account Dept Of The Treasury File Number 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 non-monetary relief
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
Theres XXXX fraudulent credit inquiries on my profile that needs to be deleted bellow is my IdentityTheft report and other documents

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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I am not liable for this debt with Credit Management LP, XXXX XXXX XXXX XXXX XXXX, TX XXXX. They did not provide me with the original application or contract bearing my signature like I asked. Therefore, they are unlawfully reporting this debt under my name to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: FL

Complaint narrative:
Happy Money ( PAYOFF loans ) issued me a loan which they make it difficult to make final payments and caused my account to incur additional interest. They will not issue a 30 day payoff which does not appear to cause additional interest except for the fact that their website does not allow me to make the last smaller payment to close out my account. My account shows past due even though I made a large payment in excess of the actual amount due a week before the due date. 

When I attempted to make my last payment, Happy Money does not allow to make a small payment and only allows for the regular monthly payment. My options from the website are to over pay hundreds of dollars or contact them to setup the payment. This again causes increased interest to my account. 

The first time I reached out to the company I received a response that they are closed for 2 days due to a company outing. More interest. 

When they got back to me the payment could not be scheduled for a few more days. More interest. 

All of this extra interest might be a small amount but they are doing this to multiple customers. I found this out by looking at social media and found others complaining of my same situation. This makes me feel that it's done on purpose to increase profits. 

I have included 2 screenshots. One shows that I made a large payment but yet the website still says I'm past due. The second shows that I'm unable to pay the {$81.00} balance. The {$81.00} has additional interest because I was unable to pay using the website but they do not provide a statement that shows this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I paid my mortgage with Shellpoint Mortgage via a wire sent on XX/XX/2022. The mortgage has still not been released with the county, and I have not received my note showing that it is paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX XXXX credit card into the program. I completed the program and paid all of my creditors in full as of XX/XX/2022. Even after 2-3 disputes with the major three credit reporting bureaus, XXXX continues to provide false or incorrect information to the three major credit reporting agencies and specifically, Equifax and XXXX continue to list this account as an unpaid charge off, however, the status has been changed to paid with XXXX. ALL 3 agencies are reporting the written amount after negotiation and settlement with XXXX XXXX XXXX, is {$5100.00}. This is also incorrect. The settlement information I have attached clearly shows that after settlement, the final balance was {$5800.00} and XXXX agreed in settlement and was paid {$4400.00}. I am not a mathematical genius but that doesn't amount to {$5100.00} as a write off. There are several errors and inconsistencies among all three reports all around. I am filing a complaint so that I can find and seek resolve as to why they continue to report incorrect information after being paid in full 3-4 months ago. They did not hesitate to very quickly report any negative information surrounding this account when I made the hard decision to include it in a debt consolidation program when going through a financial hardship a couple of years ago. Why does it take so long to correct now and provide accurate information for reporting purposes? I didn't run from the obligation but paid most of it back, albeit, at a lesser amount after settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate account that do not belong to me. I want to ensure that that the reporting is true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, have listed above and below be removed immediately as are not accurate and untrue.

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On Friday XX/XX/2022, " XXXX '' reached out to me on XXXX XXXX to purchase an item I had listed on XXXX XXXX. He agreed to purchase it and then tried to pay me through XXXX but it wouldn't go through because I didn't have a " business account ''. I got an email from " XXXX '' explaining I would have to send him {$300.00} and I would get the {$300.00} refunded as well as the {$70.00}. I wanted to back out, but felt guilty because he said he already lost the {$70.00} and in hindsight none of this makes sense/ I suspected it was a scam earlier on, but that guilt and good faith got the best of me. I sent him the {$300.00} with proof and then got an email saying I'd need to send an additional {$500.00} and when I asked " XXXX '' about it, he provided a different email for me to send the money to which made me snap out of it because I could not possibly reason why he had two separate XXXX accounts I would need to pay. As soon as I realized, I called Chase to file a claim and once I did so, proceeded to let XXXX know that I knew it was a scam. I received a notice from Chase today ( XX/XX/2022 ), that there would be no action taken. 

I've attached the conversation with XXXX, the email thread with " XXXX '', and the letter from Chase saying that my claim was resolved with no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sends me monthly rent money from my trust. It is deposited on the XXXX of each month into my checking account for use the next month. This rent money is due on the first of each month, with a grace period of five days. They did not deposit my rent money this month ( XX/XX/2022 ). I called my XXXX  officer and she needs a budget form filled out and mailed back in order to continue my payments. This has always been done in XXXX or XXXX each year. This year the budget form was not sent to me and they continued depositing my rent into my checking account. I thought they finally realized that since it is just for my rent, a budget form was not necessary. I tried to tell her the money is needed now, but she just said she will send another form and then hung up on me. I do not want a XXXX officer who is rude and inconsiderate, but one who treats a client with respect and understands and listens. She is quite able to help and deposit my rent money while mailing out the budget form, but refused to even comprehend my stress and in the meantime, I still have no rent money for XXXX. The trust officers name is : XXXX XXXX, phone : XXXX. Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I would like another XXXX officer. Preferably 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 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In my last communication with EXPERIAN, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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 2022-09-01 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: The CBE Group, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXXXXXX CBE Group, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation