vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
he debt collector, XXXX, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXXand this is OUTRIGHT FALSE. 

The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX. 

Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages. 

At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY. 

At worst, they are making up debt all together. 

Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities. 

I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices. 

I disputed this account with Experian back in XXXX and this company verified the false information they are providing and Experian took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged. 

As such, I would like to file a complaint against both Experian and XXXX. But especially against XXXX. 

For them to intentionally cause financial harm to Americans with false information after everything we went through with XXXX shutdowns is particularly repulsive.

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 2022-03-01 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: IA

Complaint narrative:
XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item several since XXXX 2021 stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly! I have also sent XXXX letters to both XXXX and Transunion asking for signed documents or original contracts with my signature on them for the account they are reporting incorrectly.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: IA

Complaint narrative:
Regions Bank is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to Regions Bank. I have disputed this item 4 times since XXXX 2021 to XXXX, XXXX, and XXXX stating this item from Regions Bank is reported incorrectly and they will not update the account. Regions Bank can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item 4 times since XXXX XXXX  to XXXX, Experian, and XXXX stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I have a lot of incorrect information on my credit report that XXXX, XXXX and XXXX is refusing to take off! There are wrong balances, incorrect addresses that are not mine as well as not even valid addresses! 
XXXX dollar hospital debt from a place I have never been too! I disputed it and it came back accurate when in NEBRASKA we have HIPA LAWS so there was no way they could have accurately verified that! Would have been a violation of my rights! 
There is missed payments when I havent missed any payments! These credit bureaus are purposely being negligence towards my credit report and reporting false information! 
I have disputed repeatedly as well as tried reaching out to original debitor to resolve these debts and get them removed but all to no prevail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
This is my second compliant and a follow on to XXXX XXXX  : XXXX, which has now been closed with PHH mortgage ( formally XXXX XXXX XXXX  ). I purchased this property and went to closing via an heir payoff on XX/XX/XXXX. 

This is related to their XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX who caused damage to the home I now own own. 

On or about XX/XX/XXXX, this company started winterizing the home. However, they broke ( 2 ) back security security doors and ( 1 ) broke the glass to an interior lower level door in an attempt to change the locks. They did provide a lock box. But I called to complain last year around this time, because of the damage. 

On or About XXXX, they added a lock to a shed on my mother 's property that I still don't have the key to. They changed the locks again and removed the lock box. 

I asked PHH to have them STOP coming to the property because everytime they came I found additional damage to exterior back doors. 

But they continued coming. And this time, locked me out of the fence that secures the backyard and changed the locks- again with no lockbox. 

PHH stated that they requested this company STOP coming out. I also called XXXX and they stated that they stopped coming on the property. But I found additional notices dated XX/XX/XXXX and XX/XX/XXXX, which indicates they were still coming out to this property. 

I have been calling for over a year to rectify this situation and stepped up my inquiries for PHH to get XXXX out to make the necessary repairs and I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I was allegedly loaned {$110000.00} to purchase my home @ XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX by XXXX home loans. This alleged debt was subsequently was sold to Shellpoint Mortgage company. It is being serviced by NewRez. It has come to my attention that these companies never actually loaned me money, but they created money by using my credit. Since they used my credit without disclosing they were doing such. I never gave them authority to change my promissory note into money. The loan was funded by myself. The fact is there HAS NOT been any real " money of account '' since XXXX, when HJR-92 WAS PASSED ON XX/XX/XXXX. The promissory note I signed is based on NON-DISCLOSURE which voids any contract NON-DISCLOSURE LISTED AS FOLLOWS ... 1. Lack of consideration ; all contracts must have consideration to be valid. 2. NON-DISCLOSURE of the use of the promissory note and signature I was not told that the note would be used to open an account in my name to monetize the note I signed.3. I was not told about the process of monetizing a security interest. 4. NON-DISCLOSURE of the banks relationship to the trustee and beneficiary. Most banks own and control the trustee and beneficiary. This is illegal and a conflict of interest. This makes the note in it's present form VOID. 5. NON-DISCLOSURE of the bank 's lack of authority to foreclose. When I signed the note it was guaranteed by the Department of Veterans Affairs. The bank can not foreclose is no commissioner has been appointed by the VA to oversee the foreclosure. 6. FORGERY of the document I gave the bank for safekeeping. When the bank alters my promissory note in ANY WAY, it is an act of forgery. A simple " for deposit only '' on the back of the note is an act of FORGERY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted TransUnion on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my rights by UPSTART NETWORK , INC. on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections1637 ( a ) ( 5 ) ,1637 ( a ) ( 6 ) ,1637 ( a ) ( 7 ) ,1637 ( b ) ( 1 ) ,1637 ( b ) ( 2 ) ,1637 ( b ) ( 3 ) ,1637 ( b ) ( 8 ), and1637 ( b ) ( 10 ) of this title, the termcreditorshall also includecard issuerswhether or not the amount due is payable by agreement in more than four installments or the payment of afinance chargeis or may be required, and the XXXX, by regulation, apply these requirements to suchcard issuers, to the extent appropriate, even though the requirements are by their terms applicable only tocreditorsoffering open-endcreditplans. UPSTART NETWORK, INC. was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Leading Act by UPSTART NEWTWORK, INC. via electronic mail. I got denied of my rights because We were unable to verify your ability to repay back the loan based on your current obligations and income. In which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8.According to 15 USC 1602 definitions of The Truth in Leading Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART NETWORK, INC. adverse action take against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). UPSTART NETWORK , INC. is now civilly liable to pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I became a victim of identity theft in XX/XX/2021. When I became aware of this, I filed a police report, locked down my credit report and posted fraud alerts to the main credit reporting agencies as recommended. In XX/XX/2021, I received a box of checks in the mail from TD Bank. I immediately contacted the bank to let them know I had not opened the account and request the account be closed. However, TD Bank had processed a fraudulent check for the account it now had a negative balance. I have spoken on the phone to both TD Bank 's customer service and fraud department. Neither are will to address the issue. They stated that I will have to wait for it to go to collections where the debt can be written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
score after trying to have things off credit report requested old address information be removed from my credit report and I ended up losing XXXX pts. And suspiciously my info ws compromised on the dark web at th same time my inestigations were closed I dont feel they asked for more information. never gave me specific details of te typ of info you provide them.THis was a waste of my time and severely harmed my credit score

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: TX

Complaint narrative:
MAC also known as Mediation Account Center continues to call and harass me daily. They are calling over a debt that I do not believe I ever took out and it approximately 10-15 years old, well past the Statute of Limitations for debt collection. Numerous agents have threatened me and have called family members. They threaten me with jail time and other repercussions, despite refusing to validate the debt. They threaten me with a summons to go to court, which they refuse to send. They called me numerous insults like liar, deadbeat, and loser. They also gave out my full social security number and date of birth over they phone. They continue to robocall daily from new numbers, the most recent numbers being ( XXXX ) XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX They also refuse to honor my do not call requests.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Loans agent XXXX XXXX was handling a cash out refinance that would have helped pay off a trailing second mortgage and some debt on my credit report. The appraiser XXXX XXXX devalued my home by 120,000. I have a 5 bedroom home with 3 full baths and 1 half bathroom. My report has all of the rooms and bathrooms labeled but is inaccurately reflected in the report as being a 4 bedroom home with 2 1/2 bathrooms. I have a two car garage attached to my home then a separate 3 car garage structure that is missing from the report completely. My home was compared against homes that do not reflect what my home possesses. XXXX XXXX stated that the loan was denied and there was nothing Caliber Home loans could do to assist me. I feel defrauded and devastated by this process. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have two transactions come through my account and not enough money at the time to covered the transactions. I had until XX/XX/28 by XXXX to bring my account current to avoid the overdraft fee for high I did and I still was charged the fees and the rep XXXX was very rude and didnt help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 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: U.S. BANCORP
State: DE

Complaint narrative:
o Tickets purchased through XXXX on XX/XX/XXXX in the amount of {$260.00} for 3 tickets to see XXXX XXXX  in Concert on XX/XX/XXXX at XXXX in XXXX XXXX XXXX Maryland XXXX Order # XXXX. 
o XXXX XX/XX/XXXX, received email from XXXX stating that the event that had been scheduled on XX/XX/XXXX then XX/XX/XXXX ; the event was rescheduled for XX/XX/XXXX. ( All due to Covid concerns ) o On XX/XX/XXXX, received an email in regard to event being cancelled that was scheduled for XX/XX/XXXX was cancelled. This email notified me that I would receive a refund of all charges within 30 days. Please note that this email was received 11 days after the event was to occur. 
o I waited for the refund of {$260.00} ; contacted XXXX XXXX late XXXX about refund. I was told by XXXX XXXX that I would be receiving a check in the mail. 
o I was emailed a few days later that the refund was sent to XXXX and was excepted by XXXX so XXXX said there was nothing else that XXXX could do about it. 
o XXXX was contacted and they had no transaction of the refund and that the account XXXX was closed. This account was closed by me sometime in early XXXX I believe because it was too easy to get into debt with the convenience of XXXX. 
o The XXXX was closed, there was no record of receiving the refund from XXXX, but I was told that the refund probably transferred to XXXX XXXX XXXX and they would issue refund ; more phone calls, more run arounds, and no resolution of money owed me. 
o I checked my Fidelity VISA transactions and noticed that I had a refund from XXXX dated XX/XX/XXXX. Great, this whole mess is finally resolved! 
o I again checked my Fidelity VISA transactions again. There was a transaction of a charge reversing my refund on XX/XX/XXXX, XXXX Who stole from me this time? XXXX, XXXX, XXXX XXXX XXXX, or Fidelity VISA? 
o XXXX of this, I want resolution on this in the form of a refund on the Fidelity VISA account immediately in the amount of initial transaction amount of {$260.00}.

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