vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
The company LVNV Funding also Known as Resurgent Capital Services L.P. has been contacted several times for verification of the debt the claim I owe. I have sent several letters to try and resolve this alleged debt they claim I owe, and there has not been a resolution to this matter. Over the course of two years several letters that was sent to them had came back as undeliverable. A letter was sent out on XX/XX/2020 and was returned two weeks later as undeliverable. They are damaging my XXXX  credit report by incorrectly reporting I owe a debt in the amount of {$790.00}. There has never been any contractual agreement between myself and LVNV Funding. In addition, this alleged debt they claim I owe is past the statute of limitation in the State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address XXXX had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on XXXX credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address XXXX had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on XXXX credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent several dispute letters to validate the reporting that I owe {$790.00} by XXXX  XXXX. All of Transunion 's disputes comes back verified without any proof of verification. I have requested them to provide me with the method of verification of the alleged debt and there response is Verified. This is unclear how they are verifying that I owe what XXXX XXXX is alleging I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
The auto was repossessed XX/XX/2015 the payment history is inaccurate I didnt have possession of the vehicle and their are missing monthly account balances in report! They are charging late fees for 2 years and storage and showing payments made as late for the two years they are charging fees for and missing payments information inaccurate dates of sale and payment information! Date of first reported is different on every report and date of charge off is different than new report dates! Missing payment information and inaccurate payment information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been attempting to work with Suntrust on correcting the false reporting they are giving to the credit bureaus since XXXX. I opened the account in XXXX and they are currently not reporting anything prior to XX/XX/XXXX. They are also reporting me 60 days late on my mortgage every month from XX/XX/XXXX to XX/XX/XXXX as of my reports from XXXX. All three credit bureaus confirm this is how Suntrust is reporting 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 non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc.
State: FL

Complaint narrative:
Our mortgage was with Zillow home loans. 
We closed on XXXX XX/XX/2021. 
Our first payment was due XX/XX/2021. 
By mid XXXX we received letters from Zillow and XXXX that our loan had been transferred to XXXX. 
The first payment to XXXX was due XX/XX/2021. 
We have paid pennymac each month since. 
In XXXX Zillow home loans collections started calling constantly. We continually explained that they had sold our loan. We called the customer service department, who filed a report to notify collections that the account had been moved/sold. Collections kept calling. And calling. We told them over and over again that they had sold our loan. I looked for ways on social media to contact them to get a resolution. Nothing. 
In XXXX the phone calls finally stopped. 
XX/XX/2021 Zillow placed a collection with XXXX. 
They placed a collection on a mortgage they do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Looking at my credit report with Experian I saw that XXXX credit card services is reporting my credit has significantly went up by % XXXX with my usages. I rarely use this card and that's false information. This was reported by them on XX/XX/2021. My balance has been XXXX so how can this be legit. I've got screenshots of this

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 2021-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to incorrect information on my credit report from Experian regarding an account with XXXX XXXX XXXX  that is not my account. Its on my Experian credit report ONLY. It was removed from XXXX  and XXXX  Credit Report. It has been over 60 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
I have 3 collections on my credit report from AmeriFinancial Solutions from XXXX XXXX XXXXXXXX XXXX P A. They are in the amount of {$830.00}, {$830.00}, and {$570.00}. I believe one of the {$830.00} is a duplicate. I do not have full account numbers but they end in XXXX, XXXX, and XXXX. The two {$830.00} claims started XX/XX/XXXX & XXXX, XXXX. The {$570.00} claim started on XX/XX/2017. During this time I was on a XXXX plan and should have had coverage for all of these bills according to my insurance plan. When I found that these were on my credit report I was to work with my insurance provider because the debt had already been sold to AmeriFinancial Solutions. The reason I was told the bills were not covered is that XXXX had a record of Me moving out of `` county '' and that simply did not happen. I can verify all my addresses and they all reside in " XXXX County. '' I did not receive a single letter regarding my debt or a letter that I had debt and a way to dispute It. XXXX will not do anything for Me regarding this matter. I would like these debts removed from my credit report as they were incorrectly labeled as debt when my insurance provider should have covered the bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MA

Complaint narrative:
I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I received my statement from TD saying I owed them XXXX via email, I found it weird I owed them that much. Unfortunately, I was unable to see the entire statement. Me always trying to be a good person with my bills I paid the entire bill in fact I had overpaid in the amount of {$540.00}. When I received my statement in the mail, I realized that they had charged me for the transaction to XXXX that was originally declined and flagged as fraud, in which I had already called them and told them that I was trying to pay for tickets, and it was declined so I had to use my XXXX XXXX  credit card. The lady I spoke to told me not to worry since it was declined, I was not charged, in fact, that was not true I was charged, and I called back and on XX/XX/XXXX and started a dispute. Overall, these weeks, I have spoken with XXXX, XXXX, XXXX, XXXX twice, XXXX, XXXX, XXXX, and XXXX. They continue to say they have not received the documentation they need. Yet I have proof they were faxed twice and finally, I sent it to them with signature confirmation which an XXXX XXXX signed for it on XX/XX/XXXX. They continue to say it is not in their system. They have railroaded me for over 2 months now and they owe me {$500.00}. I had to go to my bank to fight them and even they are waiting for them to respond. There is never a supervisor available with them. At this point I want everyone to know about this. I am attaching a 30-page document showing proof of the overpayment the fact I used another card and proof they have received the documents they requested three times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Mortgage modification was approved and executed. Contact maintained through email and telephone. First two payments accepted and deposited. When final trial payment was made on time the payment was returned. I am concerned that this has put me past the XX/XX/XXXX final due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.

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 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX charge of {$81.00} for XXXX XXXX XXXX was made to my account. The charge never went through and had to pay XXXX XXXX XXXX in XXXX, NC {$81.00} in cash because the charge never completely processed and is still pending. Wells Fargo refuses to cancel the pending transaction. I need this resolved without me having to seek legal representation and file a lawsuit against Wells Fargo. As soon as my money is returned to me, I will be CLOSING my Wells Fargo account. They are a sorry XXXX XXXX XXXX company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MA

Complaint narrative:
I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at

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 2021-08-09 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: FL

Complaint narrative:
I m a victim of identity theft and fraud, I tried for so many times to contact every companies and bureau of credit for report fraud and still those collections appear in my credit report. I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently filed a dispute with XXXX XXXX XXXX, where they claimed that I owe on account # XXXX. The issue the company has caused has been drastic towards my credit. I am requesting that they removed the collection of my credit if they can not show verifiable Proof ( an original Consumer Contract with my Signature on it ) that I owe the amount they claimed. The unverified items listed remain on my credit report in violation of Federal Law. XXXX XXXX  XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Receivables Performance Management, LLC
State: CO

Complaint narrative:
On XX/XX/2021, the company Receivables Performance, a collection company flagged my credit report for collection. The alledged amount is XXXX. The alledged creditor is XXXX. 
On XXXX, I opened a Fraud/Identity theft case with Receivables Performance.I advised this company, I have no knowledge of this account, that I have never conducted business w XXXX and requested documentation supporting this alledged account to be sent to me. I was advised by Receivables Performance that a letter will be sent to me, detailing how to initiate a fraud investigation. Fraud report # XXXX was opened. I was advised not to contact XXXX. 
On XXXX, at XXXX, I initiated a phone call to XXXX. I spoke to XXXX a XXXX representative. I advised XXXX that this account was not opened by me and requested additional info. XXXX advised me that he has had similar calls and situations as this. XXXX researched the alledged account, cells phones in XXXX XXXX ( i reside in XXXX ) and the cell phones had zero usage. 
XXXX advised me XXXX will be submitting a report to remove the finding, credut reporting. XXXX advised me to contact XXXX  and advise them of this.

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