vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Suntrust credit card. Suntrust merged with BBT and when they did they merged they changed my payment information. I have been paying the same way with my XXXX XXXX  account for around 5 years. When I went to make a payment on XX/XX/21 I noticed that when I selected my XXXX XXXX  account it had someone else 's name on it, but with my routing and account number. The even stranger thing is that it is my bosses name. Somehow they associated me with my boss. I have been calling them for 2 days. I am bounced from one department to the next. Customer service says its the digital banking department and the digital banking department says its customer service who handles this. I think this is pretty scary that they are merging peoples financial information. I tried to edit the information online but that is not allowed. I tried adding it again but it wont let me because it is the same banking info. I couldn't find any way to delete and re-enter the info either. So right now I can't make a payment on my account and it is very unsettling that they are this careless with financial information.

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: MA

Complaint narrative:
On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal has restricted my account and won't let me close it until I provide a photo ID, proof of address ( utility bill ) and a copy of bank statement. I have been a customer of theirs for over 20 years and have lived in the same house for the last 9 years. I have used my account in XXXX and in XXXX. In XXXX we made 2 normal transactions ( a donation and a purchase ) with other people. Apparently one of those in the eyes of Paypal was questionable. The donation was {$50.00} and the purchase of a custom piece of clothing was {$280.00}. I talked to a customer service rep and then escalated to a supervisor. They won't allow me to even close my account without providing the documentation. They also told me I can't escalate any further and that nobody can overturn it as it a system feature. Furthermore, if I don't provide the information they are asking for I won't have access to my money to use or close the account until 180 days.

This is absolutely ridiculous that they can hold my money hostage. I feel they are doing this because I don't use the account as much as I once did. They have had no problem taking my fees for the last 20+ years but now that I don't use it as much, they are making it tougher on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in the process of trying to buy a home, and can not move forward because my mortgage loan company claims they can not pull my Equifax credit report. I have called Equifax to ask if any locks or freezes on my report could be lifted, and was told by Equifax that I would need to send in documents ( social security card and driver 's license ) to verify my identity. I faxed these documents and a cover letter with instructions to update my information on file and remove any credit freezes, and was told that I have no file on record with Equifax at all. I find this very hard to believe because I've had an established credit history for at least 4 years now, and the other two credit reporting bureaus have not presented any issues. Equifax has not given me any information on how to get my credit report from them, or make the report available to others, and has jeopardized the home I am in the process of buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX and I am the daughter and successor of interest on the loan. Wells Fargo is fully aware. 

I sustained economic hardship during Covid-19 and took the 18mos mtg. forbearance requesting the option of having the 18mos. payments placed at the end of the loan 's maturity date. The forbearance is up this month and I have been in constant contact w/Wells Fargo for weeks making them aware that I am ready to resume regular payments XX/XX/XXXX as was my choice and always was my choice.

Wells was constantly sending letters addressed to me re : options and were always in full agreement w/my choice. I called again yesterday and was told by a XXXX  XXXX  ( Home Preservation ) that I MUST assume the loan and accept a loan modification. That was never my choice and is not my choice. She stated I have no other option because I am a successor of interest. After a 3 hour phone conversation of arguing, I finally spoke w/a XXXX XXXX ( Home Preservation ) who when I told her to read up on CFPB 's XX/XX/XXXX Successor of Interest rules where as a successor of interest has the same rights as the original borrower and also FHFA head XXXX XXXX XXXX stating the same, she relented and said she would contact a underwriter and try and expedite my choice of options? She said it would take 7-10 days and would require an appraisal be done? Also, she could not guarantee I might be denied? When I questioned why would I be denied, she had no answer. This is ridiculous. Please, help me. I have attached the PDF documents that XXXX @ XXXX  XXXX  requested. 

XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, CT. 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 2021-09-24 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account online with BB & T bank on XX/XX/XXXX as a result of a promotional flier I received in the mail. I deposited {$50.00} via an online transfer, and then tried to deposit $ XXXX in the account in person a week or two afterwards. However, when I went to the branch I was told that the account was frozen due to fraud concerns. The branch manager said he would look into it and call me later, but he never did. I forgot about it for a few months and then I got a notice saying that the account was negative due to monthly fees. According to the bank, the account was frozen and never fully opened so I don't see why they were charging fees. I just recently received a notice that they are sending the negative balance to collections and will seek to charge another {$30.00} fee.

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 2021-09-24 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: MA

Complaint narrative:
On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-24 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: MA

Complaint narrative:
On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CBE GROUP ( Original Creditor : XX/XX/XXXX) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Reporting without my permission

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: VA

Complaint narrative:
I being the consumer, natural person and original creditor have sent a debt validation letter to Discover Financial Services pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested Discover Financial Services to provide copies of their 1096 tax form, their 1099-OID, their INC and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692, TCPA and Identity Theft. Please review attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Reporting without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The account was paid in full last year XX/XX/XXXX and the company representative stated I owe $ XXXX.So I asked why she indicating I owe that amount, she stated it was the copay from my insurance company. So I called XXXX ( my insurance ) to send me the proof of the check and my amount of {$250.00} was included since it was filed on uninsurance motorist because the driver left the scene and the car was totaled out that's why my deductible was only {$250.00} and it was included with the payment. So I had to sign my car over to XXXX so the company could be paid. So XXXX now owns the car However afterward when I reach out to the company they indicated that I owe {$240.00} ( XX/XX/XXXX ). Then just two monthsXXXX ago I was told to pay {$100.00}. This is fraud by indicating I'm behind on a car that was paid off a year ago and I also file with OCCC because they are making false and fraudulent claims on all three of my credit reports and I have submitted documents. The inquiry was removed then later it was put back on all three of my credit reports ( late payments ) This is an unfair allegation. This is a predatory lending company ( This company is fraud and adding usurious interest to a car loan that's been paid in full!!!!!

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 2021-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX senior receiving {$900.00} each month in Social Security Retirement Benefits, and I truly need your immediate HELP regarding Conduent Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 

I have suffered the loss of over {$3500.00} due to ( 58 ) unauthorized transactions on my Social Security Account ( XXXX XXXX Debit Card ) since XX/XX/2021. 
I have complained and asked for reimbursement, but Conduent Inc. refuses to obey the LAW, so please help me resolve this matter. 

The best way understand this horrible situation is by reading the attached DEMAND LETTER that I have sent to Conduent via email on 3 occasions, and they still refuse to COMPLY with New Jersey State and Federal Laws. 

Below is a short cut link of the DEMAND LETTER that can be Emailed to anyone who would like to know what is going on at Conduent Inc. regarding the XXXX XXXX DEBIT CARD SHAME. 

By My signature you are hereby authorized to investigate and take action regarding this shame. 

Sign : XXXX XXXX XXXX ( Card holder ) CLICK LINK OR COPY, CUT AND PASTE INTO YOUR BROWSER https : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Complaint on SLS Servicing XXXX In XXXX, my lender was XXXX XXXX XXXX. I had a 1st mortgage and 2nd mortgage with XXXX XXXX. The bank was taken over in XXXX by the Federal Government. The FDIC sold XXXX XXXX to XXXX XXXX XXXX  in XX/XX/XXXX. In XXXX, I had some financial troubles and filled out a form for loan modification. In XXXX, my first mortgage was modified and the 2nd mortgage was forgiven and I was told that I never had to make another payment. I have paid my modified mortgage on time since that time. XXXX XXXX transferred servicing to SLS in XXXX and they would, periodically try to get me to pay the second mortgage. I would always dispute it and went on with my life because I knew what I was told and at that time had not made a payment in over 6 years. I filed for a refinance this month and was told by the closing attorney, per my title, that FDIC assigned my 2nd mortgage from the XXXX loan to XXXX XXXX in XX/XX/XXXX. Why would the federal government assign a loan that was forgiven to XXXX XXXX, 12 years later? The last payment made on this 2nd mortgage on XX/XX/XXXX. I was also told that XXXX XXXX  filed a subordination on XX/XX/XXXX. It really doesn't make any sense. SLS was trying to collect on this loan without success since XXXX, however, per court records did not receive an assignment until XX/XX/XXXX. I have repeatedly asked SLS for the assignment paper work for both loans and they have yet to send anything. Honestly, I think the assignment attached may be fraudulent. It reads like a scam. It is signed by a XXXX XXXX, who is not an attorney. The state and county are missing, yet they have a XXXX  XXXX. XXXX and SLS are the same company. Please help.

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