vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
My mom, them left Me some land and they had some loans on the land now that the mortgage has win IN XXXX closures. So they're trying to put the loan on my credit history that I did not XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2023, {$1000.00} was fraudulently taken out of my Fifth Third business checking account. After receiving the runaround ( told I would receive the funds back in 7 days, then 10 days, then 45 days ), I received a letter dated XX/XX/XXXX stating I would not be receiving my funds back and my fraud claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My mom, them left Me some land and they had some loans on the land now that the mortgage has win IN XXXX closures. So they're trying to put the loan on my credit history that I did not 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 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I have on multiple attempted via certified mail requested that they send me the contract I signed with XXXX that agreed to the fees and services they are trying to collect. These fees and services are from over 7 years ago. The company refuses to provide anything but a company generated accounting log of charges and fees with no proof of an agreement between myself and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} XXXX : {$23000.00} Transunion : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$850.00} XXXX : {$850.00} Transunion : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} XXXX : {$2000.00} Transunion : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} XXXX : {$23000.00} Transunion : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Is showing a balance of XXXX : {$850.00} XXXX : {$850.00} Transunion : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} XXXX : {$2000.00} Transunion : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023, I reached out to the credit department but nobody has reached out.

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 2023-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Lakeview Loan Servicing purchased my mortgage from XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. All communication I received stated that everything would be transferred automatically and I just needed to take note of the new account number and the method that I use to pay my mortgage payment. Both my taxes and hazard insurance were part of my escrow from the day I obtained the original mortgage. In XXXX Lakeview paid my annual property tax from my escrow. In XXXX of XXXX they notified me that my hazard insurance was lapsing and they were going to bill me for insurance. My insurance did not lapse nor did it change. It was renewed in XXXX of XXXX just as it was in XXXX. When I reached out to Lakeview they said that my hazard insurance was never paid through escrow, that I paid it. I explained that was not true and I could provide documentation of XXXX payments through escrow. They did not care. They told me that I had to request my hazard insurance be added into escrow in writing, which I complied with. When I called to follow up on XX/XX/XXXX I was told that everything was received and should take effect on XX/XX/XXXX, however my insurance company may not get the check for premium that quickly. Since I had been communicating with my insurance company this entire time, XXXX XXXX XXXX, they allowed a grace period as they were also trying to reach out to Lakeview to help get this resolved. Today is XX/XX/XXXX. XXXX XXXX has never received payment. My account has never been updated. I now have to pay out of pocket for my premium. Lakeview can not be reached. Their automated system simply states that they apologize if you receive a message during business hours, please call back tomorrow. XXXX XXXX has reached out to them as well with no luck. I am furious that this company was allowed to purchase my mortgage and alter my previous choice to have my hazard insurance deducted from my escrow account. This was never discussed or asked of me. I can provide documentation to show that XXXX XXXX XXXX paid my hazard insurance and property taxes out of escrow in XXXX before Lakeview purchased my mortgage. They should not be able to do this to unsuspecting consumers.

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received mail saying that I owed money for a credit card from XXXX. I sent a letter out explaining that that was not at my debt. Time went by and it was still on my credit report. Then I went on to file with the FTC then it was taken off the months later I received a letter from Resurgent Capital Service saying that I owe them {$1800.00}. Then my payroll company contacted me saying that my wages were going to be garnished. Then I received an email saying that I my next court date is in XXXX. That can't be the case because I never had a first court date for them to put in an order to garnish my wages. That is a violation of my rights to garnish my wages without me first appearing in court after I filed a FTC report reporting that this debt did not belong to me and was a result of identity theft. Now my wages are going to be garnished for the first time in XXXX and my court isn't until XXXX. I can not afford for 25 % of my gross income to be taken out of my checks for a debt that doesn't belong to me. I want these garnishments removed because that debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. However, until now, no one has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received repeated emails from companies called XXXX XXXX XXXX XXXX XXXX I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report.

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received repeated emails from companies called XXXX XXXX XXXX XXXX XXXX I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report.

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXXXXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Dear Collector : I had sent you a request to validate my debt, account number : XXXX on XX/XX/2023. 

According to the Fair Debt Collections Practices Act ( FDCPA ), I have the right to claim a validation of the debt and you are obliged to provide me the relevant documentation. I have received no reply from you, whereas the other credit bureaus have sent their " verified '' document. 

You are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the act for updated value ), which I may collect by filing a claim. I intend to continue with the suit if I don't hear back from you within the coming <10-15> days. 

This might result in a bad mark on your reputation and possibly legal trouble with the FTC and other state and federal agencies.

PLEASE TAKE NOTE OF THIS Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 
. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Hello I am reaching out in regards of a collection that was charged to me of {$160.00} from XXXX XXXX. The credit COLLECTION SERVICES CCS has the collection paid off, however during they are still to remove this collection out of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for auto loan application on XX/XX/2023. I spoke to XXXX and XXXX of Bank of America. I made it well aware that the were in violation of my rights. I was not denied credit. I provided the proper information. I was not given the funds for the auto loan. XXXX the XXXX said XXXX was the reason for the denial. I never did business with XXXX for them to be the reason the denial baffles me. I told XXXX I will be reaching out to the CFPB. I still want the funds for my auto loan. I told XXXX the call is recorded. I was confused because she told me that I can not receive the funds only the dealership. So I want to know why was I able to apply for the loan online.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
My XXXX XXXX XXXX has an accident on their Lexis Nexis record that was my husband 's. I tried calling to correct and they told me that my XXXX  needed to be with me. I tried calling again with my XXXX  and they need me to upload their driver 's license or birth certificate to verify our identity as my child is XXXX XXXXXXXX. I already XXXX XXXX my XXXX XXXX SSN and DL # but apparently that's not enough. It makes me really uncomfortable to have to upload these items to fix an error that they made and to not have a physical location that we could go to instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I recently submitted a complaint about account XXXX I did not open this account you sent a response indicating that this account belongs to me I have never lived at the address listed on this account and the phone number XXXX is not and has never been mine so I did not contact you ever from that number I have filed police reports and identity theft reports your investigation into this matter is wrong I am a victim of identity theft someone has been using my social security number date of birth and identification. This has been going on for 2 years I have had several accounts opened at numerous banks all coming back to this adress in XXXX when the police investigated this adress the residence was vacant and condemned since XXXX someone was using the mailbox as a drop off point. Which is why it's showing showing this information linked to me on my credit reports because they are using my identity to be me. I will not pay a debt that doesn't belong to me and it's not removed from my credit my next state is to file a complaint the the state attorney generals office I've been dealing with this for 2 yrs I just want my life back you have all the supporting documentation you need from law enforcement I don't understand why you are insisting I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I made a {$40000.00} payment to Aidvantage for my student loans. I received a payment confirmation email from Aidvantage shortly after which states " This email serves as confirmation of your payment ''. I noticed after several business days later that the money had not left my bank account. Out of concern, I checked the Aidvantage online platform inbox ( I did not receive e-mail notice from Aidvantage of this ) and noticed an a message of a " Payment Reversal '' from XX/XX/2023 saying my payment was rejected because my bank account was not found/located. I called Aidvantage support and was told my bank account was not found likely due to me putting in the wrong account/routing number when making the payment. I then asked if they could provide me with account and routing number which was used to verify this and they would not provide me with this information. I can see that the Aidvantage platform online has the information of my bank account provided by XXXX when I select an account to pay from, so I did not input the wrong account information when making the payment. By this point, the payment I intended to make has been deemed as a missed payment/deliquency and I have accrued all of the interest from the loans which were supposed to be fully payed off. 

I have also found several other complaints online of Aidvantage reversing payments multiple times claiming that account numbers where wrong when users claimed to have double checked all of the banking information causing them to accrue unwarranted interest.

Company response to consumer: Closed with explanation