vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
This has never been my account! I am unfamiliar with this account. I have never entered into a contract using this account. Because this account is not mine, I should not be held responsible for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
This decision was based on a strictly voluntary credit/consumer report that is not backed by law according to the Consumer Financial Protection Bureau 's `` Key Dimensions and Processes in the U.S. Credit Reporting System : A review of how the nations largest credit bureaus manage consumer data '' page 15 section 3.1.1. Lastly, I was denied my right to credit provided to me by 15 USC 1691 ( 3 ) by Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NBT BANCORP INC.
State: MA

Complaint narrative:
My name is XXXX XXXX. XXXX years ago I opened a landlord/tenant security deposit at NBT Bank XXXX XXXX XXXX XXXX XXXX. I opened the account with the branch manager XXXX. Recently my tenant moved out so I went on XXXX to retrieve her security deposit with any interest. I was told by the teller that the account had a XXXX balance. I explained how this was impossible and asked her to double check, upon some investigation the teller learned the money had been withdrawn by the bank yet the account wasn't closed. I waited an hour and a half to speak with the branch manager ( same person I opened the account with ) who stated the account was deemed dormant and the money was given to the state. He told me not to worry and he would get it resolved, he stated that tenant security accounts are not supposed to go dormant and the account was indeed set up properly. He later called me at home to tell me the State had the money and the woman ( my tenant ) would have to retrieve it from there. I feel I am responsible for returning this security deposit to the tenant, she has been patient but explained to me she needs the money for upcoming expenses. This mistake was clearly and admittedly the banks fault. Whether the account was set up incorrectly or not is not my problem. I followed the state guidelines with tenant security deposits. The branch manager XXXX  later checked again and reported to me the account was set up properly ... they keep passing the buck as to who's fault it is. Either way, it wasn't mine! My main concern is I have checked the state website for unclaimed funds on my tenants behalf and the funds are not even there! This is an erroneous error that needs to be rectified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a text message that appeared to come from Chase Bank asking if I recognized a transaction via zelle. As I had not used XXXX recently I replied NO and then immediately received a phone call from the chase bank number on the back of my debit card. The man on the other end stated that there had been two attempted fraud transactions on my account and that he would help me reverse them. He walked me through my last few transactions and verified that they were correct ( he had my bank info obviously ) he then said that in order to reverse the charges I would need to send a wire transfer and a zelle transfer to myself to reverse. He had answers for all of my questions and all of my info so I had no reason not to trust him. He had me send a {$900.00} XXXX to a phone number that was provided via text from the original chase number that sent the fraud-check text, then he had me send a wire transfer for {$1900.00}. Here are the transactions on my account history, they even had me use my name with XXXX so it looks like I sent the money to myself but I did not : ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX A/C : XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$1900.00} Pending XXXX PAYMENT TO XXXX XXXX XXXX debit - {$900.00} XXXX immediately contacted Chase regarding the fraud and they opened a claim but have now closed it saying they have completed the investigation and the transactions were authorized. I filed a police report and a report with the FTC. Chase appears unwilling to work with me or credit any of my money back despite the scammers being clearly involved with Chase somehow as they were sending text messages and calling from the chase number and had full access to my account history. I really need that money back as it was my rent and tuition money for XXXX. 

I am attaching the police report I filed as well as the screenshots of the text and phone calls I received. Also worth noting is that I was on hold for 2 hours before chase even began discussing the issue with me and I had to call from another line to get them to take my call finally. So far they have just told me to send secure messages which they then take days to respond to and have now closed my claim without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute with Equifax ( Confirmation # XXXX ) regarding my date of birth being incorrect on my consumer report. Equifax, without permission or under any legal grounds changed my XXXX from XX/XX/XXXX to XX/XX/XXXX. I have provided Equifax a government issued state driver 's license which shows my current address and XXXX. Equifax is refusing to correct this error, despite being provided with supporting documentation. This inaccurate information is prohibiting me from obtaining needed financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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
Consumer complaint received 2022-08-19 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/2022 I received a notice from NewRez/Shellpoint regarding my loan XXXX. The notice stated I was past due on the payment due XX/XX/2022. I reviewed my loan online and noted that I was also considered past due on the loan for XX/XX/2022. 

My payment amount was {$1400.00}. On XX/XX/2022 I called NewRez and spoke with a male representative. I recorded the phone call and it lasted about XXXX minutes. During this conversation the representative explained to me that my payments I made in the amount of {$1400.00} were applied to principal and not to my due date amount. The representative said this was because of an escrow difference and " their system '' applies it towards principal and then considers the customer late for the amount due payment. I received a {$50.00} late fee charge.

I expressed my concern that NewRez would not notify me sooner than XX/XX/XXXX of the late payment. NewRez stated they attempted to call me at a " work '' number and was unable to reach me. Despite putting my cellphone number on my original loan application, somehow NewRez determined that they should call an automated work number without dialing the proper extension or trying to get a hold of a switchboard operator to reach me. I filed a complaint with the company regarding their lack of attention to this matter. The representative took my complaint, and assured me that he would apply my payments towards my total due amount and reverse the late fee. 

I continued to check my account waiting for the changes to take place. On XX/XX/2022, I saw that the changes to my account were never applied. Additionally, a second late fee of {$50.00} was applied. I called a second representative, escalated my complaint to a supervisor. The supervisor assured me that the changes would be made. I stated my position that NewREz/Shellpoint is purposely deceiving customers when they accept our money, apply it to principal, then charge us a late fee for a past due payment. I'm concerned about the ethical implications this presents on NewRez. If this can happen to me, it is probably happening to hundreds, or thousands of other customers and NewRez is benefiting from the late payments of thousands of their " customers ''.

In my case, I'm savvy enough to know better. I'm concerned about the millions of customers who are unethically treated by mortgage companies such as I was by NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc.
State: IL

Complaint narrative:
Company contacted me on XX/XX/2022 regarding a fraudulent account allegedly taken out by my wife. I explained this is fraud and I am verbally disputing the debt and requesting a validation letter showing documentation that this loan is ours and owed. They refused to honor my request and stated they would be suing us instead. Later stated there is already a judgment against my wife. Did not state mini-miranda or call recording disclosure, called with a pre-recorded message, and violated the FDCPA as well as XXXX and XXXX XXXX I will be seeking legal action against this agency for malicious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: LA

Complaint narrative:
I started to work on my credit and when i pulledmy reports I noticed a collection account for I Q Data Internation. I sent in dispute letter and they sent me back a list of items that they say i owe for. When i did the final walk thru none of these items were a problem, now they claim I owe them XXXX. I do not know how they came up with this amount mainly because they said the carpet needed to be replaced and that is simply not true.. I ould like proof that they needed to changed out the carpet because of something I did..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Account charged off. {$13000.00} written off. {$7500.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Offices of Robert A. Schuerger Co., LPA
State: KY

Complaint narrative:
Schuerger Law Firm out of XXXX Ohio says the XXXX representing the Ohio Attorney General. They took XXXX out of my bank account today ( XX/XX/2022 ) after I emailed them and told them I had just started back to work and would be able to start payment to them XXXX XXXXI asked for the info I needed to set up an online account and make payments anytime I had extra money. I was given the information and set my account up with full intent on making a payment XX/XX/2022. I had been out of work for a while and had to catch up on utilities and obtain a vehicle to get back and forth to work. I made this clear to them. The representative, XXXX XXXX, has threatened me with criminal charges, garnishment and more. I can not even speak to him because he over talks me and is rude. I am doing everything I can to pay this debt but I also have to keep my utilities on and food and gas going. He has called my job and released info he should not have. He has called me multiple times a week and harassed me at my job. I would have to send a call log to even show how many times I have been called because there are too many dates to count. I've been called a liar, told to ask my family for the money, told to sell things that I don't even own. He is literally going to make me have a nervous break down. I don't eve believe I owe as much as he is reporting. This is the contact info I have for this law firm. 
XXXX XXXX Law Offices of Robert A. Schuerger CoXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Direct Dial # XXXX Main # XXXX x XXXX Toll Free # XXXX x XXXX Fax # XXXX

Company response to consumer: Closed with explanation