vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BEACON FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received correspondence from Berkshire Bank regarding their sharing of my personal information. It states that to limit their sharing I can call XXXX and their menu would prompt me through my choices. When I call that number the menu does not include a prompt that would enable me to make choices regarding sharing my 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 non-monetary relief
Consumer complaint received 2022-08-20 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX, Honda Account # XXXX was sold to XXXX dealership as part of a trade in. On XX/XX/XXXX the dealership electronically sent Honda finance the payoff amount requested and also issued a invoice check dated XX/XX/XXXX. Honda was also notified via telephone of the events. According to the verified check, Honda did not finalize the payment until XX/XX/XXXX as shown on the copy of the payoff check. I have attached the lease agreement to show that the due date each month for Honda was the XXXX. If the vehicle was sold on XX/XX/XXXX how can this report 30-59 days late. If the vehicle was paid late that would mean Honda did not receive payment prior to XX/XX/XXXX which clearly is not the case. The check verifies payment was made in a timely fashion by the dealership and electronically withdrawn. 

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. Especially when incorrect information only started to appear on XXXXXXXX XXXX XXXXXXXX, 7 months after the closure of the listed account. This is a gross error and a poor job on XXXX to not properly verify this information when there is clear contradictory evidence. Failure to remove incorrect information can and will result in litigations and fines. Please make this correction immediately as this is causing mental stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I have reached out to all the credit reporting agencies such as XXXX, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe RentDebt Collection Agency. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per RentDebt this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX RentDebt claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where XXXX XXXX XXXX  RentDebt claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to all the credit reporting agencies such as Transunion, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.

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 2022-08-20 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: OK

Complaint narrative:
I filed a dispute to have this account deleted due to lack of consent they verified it its your debt remove this from my report today. 

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Hello Consumer protection, please protect me! 

I am XXXX XXXX XXXX and, This stealing must stop. I paid my H.O. Ins policy in full as I always have. Im the XXXX XXXX  on my policy. ( See attached ) Its Paid in full, so XXXX is not paying anything. Theyre just stealing money from my escrow. 

They have not made a payment at all for years. WHERE IS MY MONEY? 

My homeowners insurance goes down My Property taxes goes down ( see attached dated documents ) But SLS. Continues to take payments for these escrow bills out of my account knowing they are not paying anything or any agency. WHERE IS MY MONEY from my escrow account? 

I need ALL OF MY MONEY BACK I NEED MY ESCROW OUT OF THE SLS AND TO BE PAID ONLY BY ME. 

This is larceny, fraud and criminal because SLS KNOWS THEY ARE NOT PAYING MY ESCROW -.BUT INSTEAD STEALING MY ESCROW FUNDS. 

See SLS lie below saying they are making payments. My insurance company is not collecting double payments. Im the writing insurance agent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY. XXXX ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX Date : Friday, XX/XX/XXXX Subject : We Just Made Your Insurance Payment To : XXXX Error! Filename not specified. 

Hi XXXX XXXX, This is a confirmation email to let you know we just made one or more insurance payments for your loan ending in XXXX. 

XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Our customer website makes it easy to view your loan information. Click the View Transaction History button below to access your account. 

You can make payments, order payoff quotes, change contact information and much more. 
Never miss a payment! Set up recurring monthly ACH payments credited directly to your account. 
Go Green! Help the environment by signing up for electronic document delivery. 

Error! Filename not specified. 

We have also created easy to follow XXXX videos to guide you through what to expect if your loan servicing has recently transferred to Specialized Loan Servicing LLC. The videos also explain the information included in your periodic statement and your escrow analysis statement. 


Questions? Contact Us. 
Error! Filename not specified. 
Monday Friday XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Error! Filename not specified. 

www.sls.net If you no longer wish to receive email communications from Specialized Loan Servicing LLC, click here to unsubscribe. You may also update your email preferences by logging in to www.sls.net to access your account. Select the Customer Profile link, then selecting the Change Email Preferences tab.

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 2022-08-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2022 a balance transfer in the amount of {$1100.00} ( check XXXX ) was listed on my statement along with a balance transfer fee of {$58.00} on XX/XX/2022. I did not write this check and I never had a check # XXXX. The account ended in XXXX. They have since closed this account and issued new cards. 
I have called the fraud and customer service departments multiple times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been told they are investigating it and I have been told they will remove the charges. I received my latest statement this week with a due date of XXXX and the charges are still on the account. Additionally there is a NEW balance transfer fee of {$170.00}! The account has not been used since the dispute was filed. This charge is also fraud. 
Cit Bank has not properly responded to my repeated requests. I am dissatisfied with their response, the lack of training they provide their staff, and the amount of time I have spent on this without correct resolution. 
All of these charges should be removed, the account should be at {$0.00}. 
Thank you for your 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 2022-08-20 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: NY

Complaint narrative:
On XX/XX/XXXX, XXXX Account # XXXX was sold to XXXX dealership as part of a trade in. On XX/XX/XXXX the dealership electronically sent XXXX finance the payoff amount requested and also issued a invoice check dated XX/XX/XXXX. XXXX was also notified via telephone of the events. According to the verified check, XXXX did not finalize the payment until XX/XX/XXXX as shown on the copy of the payoff check. I have attached the lease agreement to show that the due date each month for XXXX was the XXXX. If the vehicle was sold on XX/XX/XXXX how can this report XXXX days late. If the vehicle was paid late that would mean XXXX did not receive payment prior to XX/XX/XXXX which clearly is not the case. The check verifies payment was made in a timely fashion by the dealership and electronically withdrawn. 

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. Especially when incorrect information only started to appear on XXXX XXXX XXXX, 7 months after the closure of the listed account. This is a gross error and a poor job on Equifax to not properly verify this information when there is clear contradictory evidence. Failure to remove incorrect information can and will result in litigations and fines. Please make this correction immediately as this is causing mental stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX Bank ) 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  XXXX ( Auto ) XXXX ( Bank ) 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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, I received a Bank Of America credit card. Thinking it was a replacement card for one that was about to expire. After thinking a bit ; I realized that I do not have any accounts with Bank Of America and immediately called them on XX/XX/XXXX with my concerns. They told me that they would have to investigate and made sure that credit card was closed. 
Then on XX/XX/2022 ( while I was on vacation ) someone applied for a credit card with XXXX XXXX in my name. I received a letter in the mail asking me to contact them which I did and they told me that they would deny this application. After explaining that this was the second time this had happened ; they suggested that I contact XXXX. XXXX told me I should contact the FTC and file a complaint which FTC switch me over to you. 
I do not know if this is connect but while I was on vacation I had my mail held till I returned home on the XX/XX/2022. Since returning I have had trouble receiving my mail. Went to the Post Office to see if they were still holding my mail which was not the case. So I called their toll free number and they are investigating the matter. They even gave me a case number.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/2022 : XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX XXXX  XXXX XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.

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 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it. 

Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX & I am no longer responsible for the debt here shown. 

Company : Midwest Credit & Coll Opened : XX/XX/2021 Amount : {$730.00} Sold/ placed for collections to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 XXXX I received an email notification from chime titled Action Required : Please Reply Hi XXXX XXXX We are reaching out to you because, during routine monitoring of accounts on Chimes platform, we identified that you may have created two or more Chime Checking Accounts. This may have occurred accidentally at enrollment, however, Chime does not permit members to have multiple Chime Checking Accounts. 

In order to avoid any account disruptions, please provide the following items for review : Primary government-issued photo ID, such as a Drivers License or State ID card ( copy of both the front and the back ) A photo of your signed Social Security card Please provide the email address & phone number that is associated with your primary Chime account. 
How This Impacts You Please note : There is no impact to this account at this time however, you will need to respond to the above question ( s ) within 5 business days to avoid potential account access restrictions. 

I sent all documents requested the same day XX/XX/2022 multiple times. I called and contacted member services and they told me the account has been suspended while they investigate which could take 48 hours. I contacted chime again through email XX/XX/2022 asking for an updated, chime responded : Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. 

Thanks, Chime Team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: SERVICEMAC, LLC
State: FL

Complaint narrative:
" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company ServiceMac on XX/XX/2021. ServiceMac provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per SERVICEMAC. XXXX made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.

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