vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I have received notices about my payments. I have had several phone conversations with Fay Servicing. 
XXXX XXXX XXXX XXXX To process a payment on XXXX I was told the payment was processed it will take a couple of days for the bank to release the money. .I called them back on the dates above and they said on the XXXX XXXX they were seeing the payment was received. I called back on XXXX because the money was still showing in my account. Fay Servicing notified me that my home was in foreclosure but she could not give me any information until Wednesday XXXX and I would be responsible for legal fees. I was informed that they had the wrong banking information for my account. And I need to make sure the information is correct. Although they put the information into the system I see where they had ben involved in class action law suites before and now I see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to request that LVNV Funding remove the negative credit reporting pertaining to a debt they claim I owe in the amount of {$890.00} from all of my credit reports. Despite numerous attempts to contact LVNV Funding by phone and written letters, they have failed to provide the required documentation to substantiate this debt. 

According to the New York City Credit Reporting Law, debt collectors are required to provide consumers with written substantiation of any debt they claim is owed within five days of initial contact. LVNV Funding has repeatedly informed the credit bureaus that this debt is valid without providing any of the required documentation. As a result, I have not received any copies of the debt substantiation that I have requested.

Given the failure of LVNV Funding to provide proper documentation, I am requesting that they remove all negative credit reporting pertaining to this debt in the amount of {$890.00} from my credit reports. Furthermore, I request that LVNV Funding not sell this debt to another debt collector without first indicating that this debt has been disputed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
My account is up to date and is showing a 30-60 day late on my credit report. I need this removed ASAP. I will be wanting to refinance my home in the future and I need my credit report to be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
yesterday on XX/XX/2023 Someone from Tower Loans went to the address we have on file and spoke with my mother and told her that i was about to ruin my credit that i needed to get in touch with them. On several other occasions they have been on this property leaving letters on the steps. I dont live at this residence anymore. They did not have permission to discuss any of my financial or personal business with my mother. They call and dont leave messages while i am at work. They also said they call my wife and she doesnt answer calls she doesnt know but is authorized on my account and they wont leave any type of message either. We have had some financial difficulties due to my wife having a XXXX and have been trying to pay them. My account has never been more than 60 days past due and we stay in contact when we know its them that is calling. They should not be leaving letters not mailed by the postal service or telling my mother my personal business. They are very rude and never try to work with any one at all. they dont ask what is going on or how can we help you or anything. its just where is my money. Then they resort to coming on my parents property and tell them personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited check with Chase the recieved the funds and will not let me have access. The amount has been deducted from the person who gave me the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
MBA Law claims I owe {$1300.00} for medical services. Ive never seen this charge nor has it been submitted to my insurance company. The supposed debt is almost XXXX XXXX XXXX. It is not my debt. 

I received an alert on my credit report that needs removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I sent the dealership ( XXXX XXXXXXXX XXXX XXXXXXXX South Carolina ) my notice of rescission where my car was leased about the fraudulent transactions that were committed. I participated in a consumer credit transaction and not a loan pursuant to 16 CFR 433. I sent out the paperwork via CERTIFIED MAIL in XXXX of XXXX and gave them 20 days to respond of course no response. I also sent out another notice in XXXX of XXXX which is well over 20 days, still no response. I will be going to court and filing a default judgment soon if I dont receive a response soon! I have been very patient even though my car was repossessed in XXXX of XXXX and I didnt even receive a notice of cure. They also violated 12 CFR 1026.4 which says that a finance charge does not include charges of a type payable in a comparable cash transaction! You can be fined up to XXXX for giving false inaccurate, and fails to provide information which he is required to discord and in this case XXXX XXXX XXXX XXXX sc willfully did when you failed to disclose and provide all information clearly to me a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened a check account XX/XX/2023 funded the account through XXXX XXXX time i swipe card fraud alert came which blocked the card..so everyday i was calling after swiping card also verifying it was me so on Tuesday XX/XX/XXXX around XXXX i wired my sister who is out of town XXXX never received it nor did it come back to my account..so they closed my account Thursday XX/XX/XXXX because of wire which I stated I made the transfer ..they told me my account was under review for XXXX and whatever belongs to me will be sent via check to address on XXXX XXXX see my wire transfer in my account only my remaining balance in account for {$3000.00} so where did my other XXXX go? they wouldnt give me no information at all ..why do i have to wait that long go get my money..my total in my account should be XXXX have bills i cant wait that long also everything in my account belongs to me

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OR

Complaint narrative:
Enhanced Recovery Corp XXXX ERC was put on my credit report a few months back. I noticed it as soon as it posted because I was a victim of identity theft in the past and pay for credit monitoring. I immediately called the XXXX & XXXX whom I believe was the company who had someone sent the account to ERC. I verified with XXXX XXXX XXXX that the information they had for me was not what was given to create the account. I them called ERC and reported that information. I then had the credit bureaus investigate and they had the collection removed from my report. Now ERC is continuing to try and collect a debt that I did not create. They need to delete the record from their database as even the original creditor verified that it was fraudulent. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 15.U.S.C. 1681 Section 602 A. States I have a right to privacy.

15.U.S.C. 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years.

15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I lost my job at no fault of my own. I have been current with my mortgage since XXXX. Due to this hardship, I am 30 days late. 

I obtained employment on XX/XX/XXXX. The position pays XXXX annually. I will be making a full mortgage payment this month on the XXXX. After this payment I will still be 30 days delinquent. 

I reached out to Shell point and explained my situation. I spoke with a person named XXXX XXXX. To better identify her I have provided her email XXXX She said to notify her when I gained employment. She didn't take anymore information on my hardship or even review it for available options. 

I then spoke with another agent who told me I could not be offered any programs until I was 60 days late. I asked her why I would do that when more than likely I was getting a new job and would be able to make my XXXX payment. Her response was they is the policy. I found this troubling that a company would not provide any hardship assistance until I was 60 days late. 

I then spoke with another agent that said I had to make a payment plan and was not eligible for a hardship forbearance. She said that was not an option and they don't give those out for unemployment. 

I then spoke to another agent who told me to submit a hardship letter via email and they may be able to put the past due amount on the back of the loan.I did this yesterday XX/XX/XXXX Today, I called to follow up. The agent told me I was not eligible to have the past due amount put on the back of loan. She said a repayment plan of XXXX a month is what I would need to make. I told here I am recovering from a job loss and it would put me in yet another hardship. I told her I was making a good faith effort by making my payment this month. That did not matter to her, She said no one can make them change there policy. 

I have been threatened with stacking up late fees continuous for the past due amount and door knocks, I am only 30 days past due. I do not think it unreasonable to put the past due amount on the back of my loan. They are putting me in a position that will result in possibly losing my home. 




I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America received a garnishment request from The State of NC Department of Revenue for {$1500.00}. The request was dated XX/XX/XXXX! 

BofA placed a hold on all of my accounts ( XXXX accounts ) on XXXX. When the hold was placed only 3 of my 5 accounts had funds available ( {$53.00} ; {$0.00} and {$450.00} ) which was withheld. BofA then placed a {$1000.00} hold for the remaining amount of the garnishment on each my accounts. This caused each of my accounts to be negative- {$1000.00} ( - {$5200.00} total amount negative across all 5 accounts ). 

On XX/XX/XXXX I had direct deposits from my employer totaling {$2700.00} credit my account. I have been receiving these direct deposit for over 3 years and have never had issues with them being returned. I called the bank to see when the remainder of my funds would be released because there was more than enough funds to cover the entire garnishment order from The State of NC and was ultimately told that it could take 10 days for the hold to be removed.

I asked several times if I could speak with someone in the legal department and was told they didnt take calls. I then asked to speak with a supervisor who told me that it could take 10 days for my funds to be released as the bank had a legal order they had to follow because they had to chase me down for money and I dont pay my bills. The supervisor acknowledged that BofA was knowingly and willingly withholding more funds that what was requested on the garnishment but that it was a process that needed to be followed for the hold to be released. I asked if the process could be done today and was told no. 

It does not sit well with me that BofA will uphold their duty legally with The State of NC but not uphold the legal duty they have with me as a consumer.

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 2023-04-14 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I only went to XXXX school and my loan should be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I only went to XXXX school and my loan should be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-14 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: NY

Complaint narrative:
The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 A. States I have a right to privacy 15 U.S.C.1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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