vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/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 2022-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Loan mod was approved and signed mod received by PHH on XXXX PHH has not reviewed loan mod All payments are current accordingly This foreclosure is illegal Person pursuing foreclosure is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from XXXX global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through XXXX global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to XXXX XXXX. 

I still receive letters from XXXX XXXX even though there is no debt on my account. XXXX sent an email to XXXX global to have it removed and I am still receiving letters from XXXX global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to XXXX. 

This is complete fraud that I should pay both XXXX XXXX the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I have received a debt letter in the mail. I didn't recognize the debt and emailed the company email that was on the debt letter to dispute and 5 days later the company trying to collect a debt hasn't notify me proof of debt and still contacting me to collect a debt with two text messages. 

XXXX is the email on the debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Today XX/XX/2022 I received a email from Citibank. I called Citi and spoke with a representative. The Representative stated that there was not a block on my account. However a new debit card needed to be ordered in order to access my online account. My phone is currently disconnected so I couldnt not receive the verification code. Representative then transferred me to a supervisor to verify my identity. I answered every question and the supervisor said that I had failed the verification. She instructed me to hang up and call back to do the process over again, I did. Once again a representative transferred to a different supervisor. This time the supervisor tells me that a block has been placed on my account again and I have to wait 60 days. I ask what was the purpose of placing another block on my account, The supervisor said fraud. I have {$4300.00} in my account and I have verified my identity since XXXX XXXX. I keep getting the runaround about my money. Im not giving the opportunity to pay any debts because of being refused access to my account. How can they its because of fraud when theyre denying me the opportunity to pay any thing. CitiBank is the one who is being fraudulent. Im fed up with the XXXX and I am ready to seek legal action against CitiBank

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 monetary relief
Consumer complaint received 2022-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, a credit card charge for {$310.00} was posted for an order I made from XXXX. On XX/XX/XXXX, after many attempts to contact the vendor, I still had not received the goods, so I disputed the charge with Bank of America and received a credit for the {$310.00}. On XX/XX/XXXX, I received the parts and contacted Bank of America to cancel the dispute at which time the charge of {$310.00} was replaced on my card. On XX/XX/XXXX, Bank of America charged me {$310.00} on my card. 

I attempted to call Bank of America about such charge and I've been oh hold for over an hour due to being transferred to the wrong dept. multiple times ( XXXX XXXX -> XXXX  -> lady that wouldn't give me her name that said she was going to transfer me to a specialized dept. but then just put me on hold and didn't say anything ). At the time of writing this complaint, I have been on the phone for 1 hour and 15 minutes. An investigation into their practices needs to be completed as they should have the controls in place to ensure this type of fraud by the bank doesn't occur. How many others have been wrongfully charged?

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 monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Our business checking account with Suntrust / Truist had 43 fraudulent checks processed on our account totaling around {$37000.00} back in XXXX of 2021. Someone falsified our checks and did mobile deposits into their account. Suntrust is denying the clams for no reason. We have spend hundreds of hours talking with Suntrust and no one can help us. 

The falsified checks are not even signed and Suntrust still processed the withdrawal.

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 2022-03-10 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 with product or service terms changing
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from Radius global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through Radius global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to Radius Global. 

I still receive letters from Radius Global even though there is no debt on my account. XXXX sent an email to Radius global to have it removed and I am still receiving letters from Radius global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to Radius. 

This is complete fraud that I should pay both Radius Global the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NC

Complaint narrative:
Had a XXXX XXXX XXXX XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was XXXX XXXX  inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NJ

Complaint narrative:
Experian Information Solutions is willfully violating the Fair Credit Reporting Act. On XX/XX/2022 I filed CFPB Complaint XXXX demanding monetary damages for their negligent and willful violation of refusing to send me a FCRA 609 full disclosure of the consumer file they have concerning me. I have demanded this file multiple times because Experian is refusing and/or failing to ensure maximum possible accuracy of the information they furnish in reports concerning me and keep in the consumer file. 

Experian completed their investigation in response to my XX/XX/2022 CFPB compliant by " Updating '' the information. There is no way to " update '' information on a company that DOES NOT EXIST!!! 
I DEMAND THAT Experian provide me with with full disclosure of the entire consumer file INCLUDING the name, address, title, telephone number, and a PHYSICAL COPY of the CERTIFICATION of the employee of XXXX XXXX XXXX who validated the information Experian alleges they investigated. 
It is impossible to contact a company that does not exist. I have looked for XXXX XXXX XXXX in every state that Experian claims this company is from, and the Secretary of State in each state has NO RECORD of a company by the name of XXXX XXXX XXXX XXXX. 
Experian is defaming my character, causing business disparagement, intentional infliction of emotional distress, mental anguish, harassment, and impeding my access to credit in violation of the Equal Credit Opportunity Act. 
It appears Experian is a co-conspirator in violating my consumer rights and is hiding access to the actual entity that is furnishing inaccurate and defamatory information about me. 
Experian updated these accounts with a " Customer Service '' address in Florida. I attached proof to my last complaint that XXXX XXXX XXXX  does not exist, and I am including proof that this entity doesn't exist in Florida either. 
I have no legal recourse against an entity that is not registered to do business in my state or any of the states Experian claims they exist. There is no agent for process of service for me to file suit. The only company that does have a registered agent who is party to this complaint is Experian Information Solutions LLC, who I have served with my disputes and demands. 
Their continued refusal or failure to comply with the Fair Credit Reporting Act is no accident now. It is negligent and intentional, and I seek monetary damages.

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 2022-03-10 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:
On XX/XX/2021 XXXX entered into a lease-purchase agreement with a minor child who is a distant relative in my name. They did not ask for my Identification or make any effort to contact me to verify that my information was authorized to be used in this transaction. They did not even check to see that a minor, XXXX XXXX had in fact signed under my printed name and that the initials didn't match my name. He was under the age of XXXX and in no way had the where with all to be a participant in this transaction. Clearly the initials and signature don't even match on this " executed '' lease-to-purchase agreement. This company violated my rights and has caused me grave financial consequences as I am in the process of purchasing a home and this has damaged my credit score because this company illegally entered into this contract.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX 
A credit alert found threw Capitol One advised me that my social security number was used in the dark web XXXX, XXXX, twice. The alert says a XXXX account breach occurred in XXXX of XXXX. Ive had XXXX XXXX XXXX for 6 years. Im on a fixed prepaid plan. I also noticed my Mothers address and phone number was used. I havent lived at that address in over 6 years and NEVER use my mothers internet phone number for reference, as nobody will ever answer it. The po box used belongs to XXXX XXXX who is my step-father. I have no contact or interaction with these people so please be advised I have no clue as to what, who, when and what else. Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
A debt collector sue me because i owe discover bank an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
This started sometime last year with a phone call and leaving voice mal messages for me to call them back regarding this debt. Then it escalated to sending out a letter asking me to acknowledge the debt. I called the company on Wednesday, XX/XX/XXXX and spoke to a representative and told them I do NOT know about this account and I will NOT back a debt that I wasn't familiar with and very very old. The rep had no clue on how to address the matter. They tell you to call, write or email them about the debt. When I called the rep wasn't helpful at all. I told her that I wouldn't pay and that we can go the court. I also went on to explain that I would send something in writing regarding this debt and that's exactly what I did about 2 and half weeks ago. I sent them a letter telling explaining that I wasn't responsible for this account and that I would not own the debt. I also once again, told them that I would like to go to court and handle this matter but until then, I would not pay a cent. I received another letter on Wednesday, XX/XX/XXXX regarding the same matter, after I sent a letter. I did not open a checking account, savings account or credit card with this company back in XXXX. I will not be responsible for this debt and would like to proceed legally if I have to. The first letter I received from them did threaten to take actions on my funds it I didn't pay or could ruin my credit. I'm sick and tired of having to make weekly or monthly claims to CFPB or FTC. It's f*ing with my mental health and it's highly stressing me out. Especially when I 1000 % am sure that this is not something I took part in. I don't have no idea what this company is and what is pertains to. Is it a bank for checking/savings? Is it a credit card company? Is it both? They will not share this information with me and I even asked them to. Either they see me in court or leave me the XXXX  a lone!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KY

Complaint narrative:
I am concerned about the quality and compliance control system in Community Loan Servicing. My loan was sold to Community Loan in XXXX. In XX/XX/XXXX I received a notice of cancellation from my insurance company. I called Community and, after a long talk, was told that they will take care of it. That it was an error. I followed up with an email and supporting documents. I never heard back. 

On XXXX XXXX I again received a notice of cancellation. I called and after a time found this : - The loan should have had the insurance escrow transferred but didn't. 
- After my first call the team I had spoken to sent a memo asking to have my bill paid. They were told not to pay it as the escrow was not supposed to be transferred. This decision was not told to me. 
- When I called on XXXX XXXX I was told initially that the loan didn't include insurance escrow but after pushing found out that it should have been paid. 
- I have again been told that the bill would be paid. 

I am concerned about the competence of this organization. Were this my taxes I could have lost my house. I am shocked at the sloppy work and hope it wasn't deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I received threatening and harassing letters in the mail. This is mail fraud. There was also copyright infringement etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX kept making double charges on my account as a miscellaneous adjustment. Then I made a large sum of payment to pay off my balance completely to the charges I made, then the double charges they made was left. I never paid interest because I made my payments in full and on time. Then they told me I had {$830.00} more dollars to pay that they created by double charging my account. On XX/XX/21 they charged my account {$1400.00} as a miscellaneous adjustment. I want XXXX to reimburse me the amount they adjusted because I overpaid and they owe me money. They closed my old account and opened I new account without my permission. My husband and I pay all our credit card in full each month to avoid interest. If for some reason we miss a payment we call right a way and pay. They usually give back our late fees because we are excellent at paying on time. Now my credit is messed up because of pay pal. Please help me. They are very unresponsive and sometimes they hang up the phone when you call them.

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