vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I did as Phoenix Financial Services said on the last CFPB Complaint ( complaint attached ) I called their office to get full number of the alleged account since they claimed I was only giving a partial number. 

This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, they should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CA

Complaint narrative:
Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts

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 2021-11-30 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: CA

Complaint narrative:
Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. This has been a rough time during the phases of my life, as well as the Covid 19 and the impact that it had on both me and my loved ones.

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX FIRST  NATIONAL BANK OF OMAHA ) " ...... all XXXX  times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... ..this account has been re aged..this is a major violation

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 2021-11-30 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: PA

Complaint narrative:
This is an issue with my Experian credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my Experian app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from XXXX XXXX XXXX ( XXXX ) as usual ; sent an email to XXXX inquiring about this issue XX/XX/XXXX - received email from XXXX that mortgages are in good standing and have been reported ; told to use the credit section of my XXXX app to sign up for credit reporting through " XXXX XXXX '', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with Experian ( XXXX ), also filed a dispute with XXXX ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called Experian again and told by Experian that XXXX is not reporting ; that Experian can not assist me ; dispute was useless XX/XX/XXXX - sent email to Experian customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by XXXX mortgage representative ( XXXX ) that Experian refuses to report ; told this is affecting all XXXX customers yet the XXXX mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called Experian again and was told that " what is showing is reflecting what XXXX is reporting '', yet the other XXXX reporting agencies of XXXX and XXXX are both showing my XXXX loans ; Experian refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from XXXX mortgage department ( XXXX ) stating they had just received an email that Experian 's reporting should be " turned back on '' by XXXX, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for XXXX weeks. I have documented this in writing to both companies. Someone is not telling me the truth.

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 2021-11-30 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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress  you caused me. My information was also impacted by the XXXX data breach and may have gotten into the 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 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
On XX/XX/XXXX I received a letter from Citi Bank stating that on XX/XX/XXXX they incorrectly credited my account for a payment of {$3500.00}. To correct the error they have rebilled my account. 
I have phone records indicating that on XX/XX/XXXX at XXXX and XXXX I called Citi Bank XXXX XXXX them know that I had been credited {$3500.00} and I did not think it was right. With both phone calls the representative on the line said that It was an anonymous donation and mine to keep. I tried doing my part by calling to let them know about the {$3500.00} credited and both times they said it was mine to keep. 
I called Citi last week to dispute this letter and they said they would file a dispute. I called again today XX/XX/XXXX to check the status of my dispute. No such dispute was on file today and I had to start over. After speaking with three different people they said because I spent the money I had to pay it back. I asked them about the representatives being responsible for miscommunication back on XX/XX/XXXX. They said they have no records of phone calls I made to them on that date. I found the records in my own phone service records so They lied about that also. 
They state at the beginning of all Citi Bank phone calls that all calls are recorded, they should have recordings of both phone calls I made in XX/XX/XXXX to prove that the mistake was on their part, not only with crediting the account but also with saying the money was mine to spend.

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC
State: GA

Complaint narrative:
Steel River Systems LLC made contact with me attempting to collect on a debt from 2005, without providing all information pertaining to the debt. I informed them I was disputing this information.

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 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I went to dispute XXXX {$2500.00} charges equaling a sum of {$5000.00} that were made on XX/XX/2021 for {$1500.00} and the remainder paid on XX/XX/2021 for {$1000.00} equaling {$2500.00} and on XX/XX/2021 for {$2500.00} I informed PNC that I purchased a product that did not perform as advertised and rendered unsatisfactory performance. I am of belief that I am a victim of deceptive marketing and fraudulent practices by the XXXX XXXX XXXX  also known as XXXX XXXX XXXX  ( XXXX ) and the XXXX XXXX ( which would be the merchant reflected on the bank statement for both {$2500.00} purchases ) I, along with hundreds of people purchased a software/service that did not perform as promised. We were told from the creator/merchant that we could request refunds yet after numerous attempts to rectify the situation those same requests were denied. 
The results from the software/service were inconsistent, and when updates were announced they were never given in a timely manner. I have taken further measures to file a class action lawsuit against the company ( XXXX XXXX XXXX for their deceptive marketing. PNC informs me that they would look into the matter and to check back in with them in XXXX  days. It is now the XXXX day and upon reaching back out to PNC they informed me that a dispute was never filed ( though I spoke with several representatives on different occasions confirming the filing of the dispute for the return of my money ) thus leading me to believe that I as a customer do not matter and with the lack of effort by PNC my money would not be returned without assistance from someone. Please help me, Ive lost all hopes of retrieving my money back and am having a hard time trusting this company moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: FL

Complaint narrative:
Ive sent multiple letters and FTC Reports to XXXX Trans Union and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # 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 2021-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive sent multiple letters and FTC Reports to XXXX XXXX XXXX and Experian. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Account # 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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I recently received my " annual escrow account disclosure statement account history '' document dated XX/XX/XXXX for the escrow period from XX/XX/XXXX through XX/XX/XXXX. 

I recently reviewed the document and noticed that my payment for the month of XX/XX/XXXX is not incldued in the past payments history for payments to escrow. I made the payment and the statement indicates a payment in the amount of {$260.00} was credited to escrow in that month. It is not clear in any mortgage statement related to this account, from XX/XX/XXXX through today, that the XX/XX/XXXX escrow payment was reversed or where it may have went. 

In addition, the amount anticipated owing to County of XXXX taxing authorites for property taxes is incorrect. The amount to be paid no later XX/XX/XXXX and following is {$1300.00}. You ( and I ) were notified of this increase prior to your preparation of the current escrow disclosure statement and it should be reflected in the anticipated payments section of th disclosure document.

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 2021-11-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$700.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$920.00} I have contacted each and every creditor they told me to call the credit bureau they can not give me any information on these accounts that they are saying are mine they are very rude and not being considerate of identity theft!

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 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I made a payment to payoff the loan on XX/XX/21 as there is an option under the make a XXXX time payment for additional principal payments and payoff quotes. I paid what the amount was. I went back to check the account on XX/XX/21 and it showed I had a balance. I called the office and spoke with a representative who told me payoffs could not be paid online although the option was there. So I made the final payment with interest included with the representative over the phone and was assured the payment would process and Id have a XXXX balance. I checked the account once more and its now showing I have a balance due of {$1.00} and to payoff would be {$1.00}. I have called and emailed to have the situation resolved with no success. The company is practicing in deceptive tactics to continuously receive extra payments for errors in their payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Contacted Synchrony BankXXXX and PayPaXXXX XXXX on XX/XX/21 to inquire about temporary relief due to financial hardship resulting from Covid 19 . I was told there are no programs available to assist with temporary financial hardship at this time. I have never been in default with any lender/credit card company, yet my efforts to avoid default during this temporary financial hardship is being met with zero assistance to avoid default.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: FL

Complaint narrative:
Millenial Home Lending , Inc. sent me a letter offering to refinance my mortgage. 
Only, the return address on the letter that showed through the envelope was not " Millenial Home Lending, Inc. '' but rather my original lender. The entire letter is written as if it is coming from my original lender, but only at the very bottom does it have a disclaimer that Millenial Home Lending does not have any affiliation with my original lender.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
UWM incorrectly force placed insurance on my mortgage when they erroneously input the end date on my insurance as XX/XX/XXXX instead of XX/XX/XXXX. Because of that mistake, they force placed insurance of over $ XXXX backdated to XX/XX/XXXX. 

They had proof of insurance from my former insurer as well as my following year 's plan. I've called them XXXX times and spent over XXXX hours trying to explain to their customer service team the mistake they made. 

I tried to explain how non-sensical it was that my insurer would send them a non-renewal notice in XXXX of XXXX for XXXX of XXXX. Instead, they were notifying them of non-renewal in XX/XX/XXXX which is logical. 

No one at UWM questioned this or tried to fix the mistake. 

They made me call my previous insurer and confirm when my coverage ended, which was as expected XX/XX/XXXX My new insurance was effective XX/XX/XXXX. 

I've had the insurance company fax that as well to go over and above my requirements to provide proof of insurance. 

Meanwhile, UWM is not able to provide me the cancellation document or apparently locate it that states XX/XX/XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB 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