vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I went to XXXX on I think XX/XX/2022 to send my friends mother something for her birthday, I was in store on XXXX XXXX I paid for overnight services in cash. XXXX weeks later I get a letter from a credit agency for a debt owed through a XXXX XXXX corporate account, which I do not have, through further investigation they paid a large portion of the debt and left me with collection fees. I called on XX/XX/XXXX both XXXX XXXX  and the credit company, and XXXX XXXX  waived collection fees because of a some sort of billing error. Both companies I recorded calls from today.what I would like to know is why my credit report was in a jam for a debt I had nothing to do with???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a $ XXXX ( enormous ) overpayment of my car loan ( beginning balance around $ XXXX ) with Bank of America. I never got a statement the following month saying anything was due. Instead, they called to harass me that they were " collecting a debt '' for our missed payment. Clearly the bank failed to apply the large overpayment ( the monthly payment is closer to {$600.00} ), did not reduce the balance appropriately, failed to send a statement if indeed a monthly payment was due despite the large overpayment, and then had the audacity to call to " collect a debt ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NJ

Complaint narrative:
XXXX, XXXX, Equifax information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, Experian, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.

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 2022-04-29 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: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
I have sent this company a letter on XXXX/XXXX/2022 about a validation they have not responded within 30 days now I am looking to collect my {$1000.00} per violation under 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist is our mortage company. We do not know where they are located. We only know them are at XXXX XXXX. 
The customer phone number is XXXX XXXX XXXX. 

Since XXXX and XX/XX/2022, we do not receive our statement to pay our mortgage. 

We currently have 2 loans with them and both are having issues. We have a difficult time to get a hold of them. Most of the calls are wait time of 30 minutes or gets hung up.

Without the statements, we will forget to pay as we are seniors. 

We think the bank is doing a dis service to us. Right now we have to live in fear to check our statement every month to make sure we get it so we can remember to pay it. 

Please investigate.

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 2022-04-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act Accounts with XXXX XXXX XXXX account # ending in XXXX Shows a late payment in XXXX of XXXX. XXXX ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc
State: FL

Complaint narrative:
My Chime XXXX XXXX XXXX Account was removed from reporting on my XXXX back in XXXX of 2021 for not reason. Although it was removed from XXXX and they refuse to provide a reason as to why, the only way the XXXX will restore reporting of the Chime Credit Builder Account is to have Chime send them a reinsertion letter and updating the account information. I have tried for several months to get Chime to do this yet the keep giving me the run around and repeatedly tell me that since XXXX removed the account, it's XXXX 's problem. This of course is not true since XXXX is telling me that the only way they'll start reporting the Chime Bank XXXX XXXX account again is if CHIME submits a reinsertion letter. For nearly a year Chime and XXXX has blamed the other for the account not reporting on my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Description of Complaint : On XX/XX/2022, I used Zelle, thru my XXXX XXXX Account, to send money to my son. I was in Arizona and he was in Missouri. I had done this many times without problems, using his phone #. Today, however, it failed. I tried a couple more times and it continued to fail.. As my son learned, later, this was due to the fact that his debit card had been compromised and he had a new number and he failed to add the new card to his standalone Zelle app XXXX His current bank, XXXX XXXX XXXX  in XXXX XXXX, XXXX, therefore would not accept the money. On XXXX, I phoned my bank and advised them what was going on. The person I spoke with, a Zelle rep I would assume, told me to use his e-mail address. I told her I did not think he used it anymore. She said " TRY IT ANYWAY. '' I did and she said it went thru, I was good. Of course, it DID NOT work because this was one he had used with a previous bank, XXXX Bank and with a debit card that was no longer any good. His app was with XXXX. HE HAS NEVER RECEIVED THE MONEY. XXXX did an investigation and said everything went thru. Zelle told my son, and sent him a print out, showing all the failed ones, but NO completed transaction. I am so angry that a company can just take your money. there were XXXX FAILED notices for {$400.00} each on XXXX. There were XXXX Failed notices for {$400.00} on XXXX and XXXX for {$450.00} on XXXX. The one in question is Confirmation # XXXX on XXXX for {$400.00}. I was able to send him XXXX and XXXX after he corrected his debit card with XXXX XXXX. We have talked until we have NO talk left. There seems to be no one that has any idea where this money is. Is that how ZELLE stay in business? My phone # is XXXX. XXXX ' is XXXX. XXXX choose not to send bank account info thru this email. Thank you for looking into this problem and helping me/us with a resolution. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Good morning. I am a consumer bankruptcy attorney. As such I sometimes get letters addressed to debtors whom I do no know and/or do not represent. I always contact the collection company to let them know. Today I contacted XXXX XXXX XXXX XXXX by phone to let them know or represent a " XXXX XXXX XXXX, XXXX ). They asked for the " XXXX ID XXXX '' and the representative advised that they could not pull up the account by the ID Number as XXXX 's ID XXXX. have all changed. I was stunned that they are sending letters to wrong addresses and when I call them so that they can update their system to give property notice to a debtor they have no way to update their system. XXXX was collecting for LVNV so I reached out to them directly to advise them of the problems and my concern. They said they could only pull the account up in their system if I had the debtor 's social security number. Of course I do not know or represent the individual so how could I have the social security number. My question is how can they be properly noticing the debtors if, when they care sending incorrect notices out, they have no way to update the system when someone calls to tell them they have the wrong address. My guess is that this is a systemic problem and something the CFPB should be investigating for pattern and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
XX/XX/2022 I purchase two {$100.00} prepaid XXXX XXXX and XXXX XXXX XXXX. I was unable to spend them it kept showing no money. available. I phone XXXX on XX/XX/XXXX and reported it. I provided them with the card numbers and I was told the cards had been used to pay XXXX insurance and XXXX. I advised I never used the cards and they were presence the entire time. I was told a fraud investigation would occur and I would be emailed documents in 7-10 days to complete and return. I was provided a claim number. I never received the emails. 
I phoned a second time and spoke with a representative provided my claim number and was advised the same scenario and to look for an email from XXXX. Today no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXT Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I mailed a cease and desist letter to MRS BPO on XX/XX/2022 not to contact electronically or phone to myself, any family members, neighbors or friends. For about two weeks the calls stopped. For the last four days they have called daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: LEXISNEXIS
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I asked Truist bank to remove PMI from my mortgage as I have an appraisal - they initially said I would need to do a refinance to remove PMI ( which I know is not true ). They have been charging me {$72.00} since I called for my PMI. My loan to value from my appraisal is below 65 % and they have not removed my PMI. 

Truist bank now says they are " reviewing '' a request that was submitted on a date I do not recognize and while I wait they are still charging me PMI. 

When will PMI be removed from my loan as I am paying {$870.00} per year for nothing? Why would they take that money from me if my loan to value is well below 80 %?

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 2022-04-29 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: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was affected by the coronavirus and was given an option by Enerbank to satisfy a debt due to this and that if I did it would not negatively impact my credit however they did add it in XXXX as a charge off which negatively affected my credit score I was under the impression that the CARES act did not allow this and also told by them it would not and they are saying they will not take it off and I feel this is unfair given the pandemic issues we have been dealing with etc.

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 2022-04-29 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:
TransUnion and XXXX is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.

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 2022-04-29 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: MD

Complaint narrative:
XXXX and Experian is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.

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 2022-04-29 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: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-29 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: TX

Complaint narrative:
Reached out to Equifax and XXXX multiple times for multiple months via CERTIFIED MAIL regarding FRAUD ACCOUNTS and FRAUD INQUIRIES. They advised me to file an FTC report which I did. It has been months and no responses nor removals. Spoke to XXXX from the Attorney Generals Office and he is going to dig deeper to see why the reporting agencies are neglecting me and violating my consumer rights.

Company response to consumer: Closed with explanation