vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Run Solutions, LLC
State: NC

Complaint narrative:
Mountain run solutions has called and texted me. I do not have an account with them nor have I had an account with XXXX in which whom they alleged they purchased the account from. Mountain run stated someone named XXXX XXXX signed the paperwork with his name. used his debt card do pay for their service but had the service in my name. That is the first red flag of a fraudulent account when XXXX or mountain run should have never activated service for him without showing a pictured ID.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Suntrust bought my mortgage from another lender earlier this year. I set up online, automatic mortgage payments, but Suntrust failed to process my last payment and notified me via postal mail that my payment was late. This mail arrived after they charged me a late fee. I submitted a complaint with Suntrust and am submitting a complaint here. 

Prior to this incident, I had called Suntrust several times to resolve problems with their poorly designed online payment system, which had previously prevented me from submitting automatic payments. During those prior months, I paid my mortgage via their phone system. Further, Suntrust claims they did not have my email on record despite having submitted this information to them. Suntrust also claims they did not process an automatic payment because a checking account number had additional numbers appended to it. This doesn't make any sense. Suntrust has successfully processed payments from this same checking account before. Finally, Suntrust indicated that their internal complaint process does not result in any responses to customers.

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 2021-07-03 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: NY

Complaint narrative:
I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MO

Complaint narrative:
I would like a file a formal complaint against our loan office XXXX XXXX from mutual of omaha Mortgage bank. The loan officer doesnt reply to our texts/emails on time and we had to delay our closing already by a week. We might loose our house if we dont close in next coming week. We have been very patient with him. But he is not supportive in any way. We will be loosing {$5000.00} deposit money+ XXXX $ delay fee and our truck rental for 15 days is extra too. He is probably the worst officers we or our friends have worked in the past. 

NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I contacted Chase Freedom Services concerning errant charges to my card. The first was an accidental charge from XXXX XXXX XXXX services in XX/XX/2021. I had accidentally clicked on a charge for this service and did not realize until it was too late - they charged my account. I had no idea that I had done this. Immediately after recognizing that this was on my account, I immediately went to XXXX XXXX and made sure to cancel the subscription. I subsequently received 2 additional charges from XXXX XXXX XXXX for XXXX and XX/XX/2021. I contacted XXXX directly and they reported that I did not have any subscriptions with them and that I should not be charged. Meanwhile, additional charges in XX/XX/2021 was placed by XXXX XXXX. I didn't realize that was an error, because I maintain a XXXX XXXX service for my cloud storage on a different card/ different account. It did not catch my eye that it was substantially higher than normal. Another charge came in from XXXX XXXX on the same card in XX/XX/2021. I believe that is when I called XXXX directly. I then contacted Chase services in early XXXX when another XXXX XXXX XXXX charge came through. I was asked to cut up the old card and get a new one from the company and formally disputed all of the charges through the Fraud Division. 

Approximately 1 week later, I received a notification that the charges were " determined '' to be valid because someone with the last name XXXX was the authorized user for the charges. I made it very clear that I did not authorize anyone else to use my card or the account. I submitted direct documentation to the Fraud Division showing them my XXXX subscriptions to prove that these were fraudulent and told the card company to not authorize any additional charges from XXXX. 

On XX/XX/2021, they charged me again. 

This is not OK. 

Here are the charges : XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX - XX/XX/2021 - {$18.00} XXXX XXXX - XX/XX/2021 - {$13.00} XXXX XXXX XXXX XX/XX/2021 - {$59.00} Phone calls to Chase : XX/XX/2021 - may have been unrelated to fraud charges XX/XX/2021 - 3 phone calls XX/XX/2021 - 2 phone calls XX/XX/2021 Email XX/XX/2021 disputing charges with email documentation. Was informed this could take another 90 days to correct. 

Meanwhile, they allowed XXXX XXXX XXXX to charge my account again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Receivables Management Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXX  XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Receivable Management Partners, LLC Debt collectors account number : XXXX XXXX Alleged Debt Amount or Balance : {$440.00} Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX Dear Receivable Management Partners, LLC I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The loans are private loans and they have reached the statute of limitations but they a reporting on their web portal as though i still owe it but i don't. attached to this message you will see a document were the first default date is XX/XX/XXXX which means that the statute of limitations is XX/XX/XXXX. which means i don't owe this debt anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated.

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 
The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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:
I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

XXXX : Transunion XXXX XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of XXXX. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my 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 2021-07-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I contacted Transunion and XXXX to dispute inaccuracies that I noticed in my credit report. They Credit Bureaus are reporting inaccurate information on my credit profile. 

Today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

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 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pittenger Law Group, LLC.
State: MO

Complaint narrative:
Pettinger Law Group, llc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX ( all ) Debt collection agency-attorney 's representing XXXX XXXX XXXX. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962. 
In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit has repeated attempts to send me letters that has nothing to do with me. They have repeated broke 15 usc 1692b, 15 usc 1692 f, 15 usc 1692 e, including other violations. They have even made claims that I made payments to them and have plans set up and I have never talk with them and they never respond to my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am having problems with Wells Fargo bank they have taken money out of my savings account with out my permission. I didn't give them any authorization to take the money out of my account. I am on a fixed income and I am XXXX and usually I get {$300.00} out to pay for the utilities where I reside at. Social security sends Wells Fargo my checks directly to my savings account every first and third into my savings account direct deposit. And I am aware of that Wells Fargo bank was sued because they were opening up fake accounts taking people money. And after I told them not to take any money out of my savings account. Wells Fargo took the money out anyway with out my permission and when they took the money Wells Fargo wanted me to pay {$290.00} cent 's to pay for service fees in which I pay my utilities and want to charge me money that I get the money to pay my utilities bills every first of the month. And after I told them that I didn't want them to {$10.00} out of my savings account in which I supposed to have {$84.00} with out my permission took the money anyway.

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 2021-07-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I contacted XXXX and Equifax to dispute inaccuracies that I noticed in my credit report. They Credit Bureaus are reporting inaccurate information on my credit profile. 

Today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have made a payment on my credit card of {$850.00} by using my account at a large retail bank. The credit card company has acknowledged my payment and has emailed me to tell me it has posted to my account. However the credit card company is not releasing the corresponding credit. In other words they have my money but theyre not allowing me to use it.

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 2021-07-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I contacted Transunion XXXX and XXXX to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

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 2021-07-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I contacted XXXX XXXX and Equifax to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: NY

Complaint narrative:
To Experian if you dont remove this negative inaccurate accounts from my credit report immediately we are going to arbitration XXXX XXXX XXXX  XXXX XXXX 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 2021-07-04 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: NY

Complaint narrative:
If Transunion dont remove this negative inaccurate accounts immediately We are going to arbitration XXXX XXXX  XXXX XXXX XXXX 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 2021-07-04 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: NY

Complaint narrative:
If Equifax dont remove this negative inaccurate account from my credit report We are going to arbitration XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation