vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: KY

Complaint narrative:
I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, XXXX and Equifax. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: KY

Complaint narrative:
I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, Experian and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.

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 2022-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to XXXX XXXX a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called XXXX XXXX and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I was called by the collection agency Capital Accounts, about a month ago regarding a " claimed '' outstanding balance of XXXX $ from services provided by XXXX XXXX XXXX XXXX dating XX/XX/2020. I asked them to provide me with an itemized invoiced, which they have failed to do up until today. At the same time, I called the billing office of XXXX XXXX ( XXXX ), where they confirmed that they do not work with this agency and that there is no outstanding bill under my name or any of my family members. Today ( XX/XX/2020 ) I received a written notice from Capital Accounts for the same reason, and I immediately called XXXX XXXX  billing department where they again confirmed of having no knowledge of this collection agency and that I have and never had any outstanding invoices. I then proceeded to call Capital accounts, I confronted them with the information from XXXX XXXX that they had no knowledge of them, that I was going to report them for fraud unless they could email me immediately the delinquent obligation, which they have not been able to do so, and thus I am reporting them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank, Bank of America will not release my funds which are free and clear. They had flagged my account due to what they had seen as a questionable payment towards my charge balance. The money in the account is what I need to live for food and my bills. Last Monday on XX/XX/XXXX, I requested my funds and was told they would respond in 1-5 business days. Today, XX/XX/XXXX I called and was told to try later this afternoon or tomorrow. There is currently {$5100.00} in my checking account. Furthermore, my pension check will be deposited on XX/XX/2022 Thursday. I need the money desperately.

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 monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
From the period of XX/XX/XXXX- XX/XX/XXXX. I have been getting over draft fees from M & T Bank. I put this period time line as this is the frame of my complaint. M & T Bank has been charging me over draft fee 's unfairly when I could have just transferred the funds into my account to make sure that said payments would be taken out from the merchant. I have a total of XXXX accounts with them and they are very misleading when opening business accounts as well. They did waive four fees for me, but the others are not justifiable. I believe a total of {$3800.00} or more of fee 's have been taken out of my account with M & T Bank. There banking practices are unreasonable and unfair when it comes to fee 's. From this particular period I didn't have overdrawn account protection due to the pandemic. It's been very challenging for me and I have been banking with them for over 5 years. I understand that this is a corporation. However, they have some very unfair practices with over draft fee 's. I made a payment on XX/XX/XXXX for {$27.00} and transferred the amount in my other account because normally it takes 2-3 days for the merchant to receive the ACH and M & T hit me with a {$36.00} over draft fee in my account. I don't understand how banking works and I keep up with my account. This is getting out of hand with them charging fee 's in under 24 hours of transferring funds into another account.

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 monetary relief
Consumer complaint received 2022-03-28 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: OH

Complaint narrative:
On XX/XX/XXXX, I was issued a {$100.00} conditional payment credit since I had mailed in a money order but CitiCards never received it, so I made a payment of {$120.00} on XX/XX/XXXX towards the {$110.00} Statement Balance for XXXX. 

When the XXXX Statement generated, I had a Statement balance of {$41.00} due to the conditional {$100.00} credit, but then I paid a total of {$140.00} on XX/XX/XXXX, which would have covered the {$100.00} conditional payment credit. 

On XX/XX/XXXX, Citi reversed the {$100.00} conditional payment which shows on the XXXX Statement, but I feel it is an accounting/journaling error which is not reflecting the {$100.00} payment made on XX/XX/XXXX, and I feel that my XXXX Statement should only have been {$30.00}. 

I have spoken to several Representatives at Citi and informed them that it may be a journaling/accounting entry error which may have to be resolved on the back end but haven't been able to get anywhere,

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 2022-03-28 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
This is the THIRD time I have attempted to resolve this issue with Comenity Bank/Ny & Co and now this company is AGAIN reporting this account as a charge off. The original complaint I submitted to the CFPB is XXXX and will be attached for your review. I received a credit alert yesterday and this error decreased my credit score by XXXX points. If Ny & Co can't get this corrected, please remove this tradeline from my credit report as it is damaging and preventing me from qualifying for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
I have never received a letter from One Advantage, just a phone call. I called them back and explained my situation and I can only borrow {$1000.00} from my brother to pay this off. I spoke to XXXX twice and she refused to ask XXXX XXXX XXXX if they would accept my offer. Im not employed and Im XXXX XXXX XXXX and cant work any longer. 
The collection agency is in XXXX, Illinois and XXXX XXXX XXXX is in XXXX XXXX part of XXXX. The balance is about {$3300.00} and I was told it will go on my credit by XX/XX/2022 and possibly sue me if not paid in full, or settled for {$2300.00}. My spouse is on XXXX XXXX XXXXXXXX and gets {$1900.00} a month. Can you help me? Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
Received collection invoice from Rocky Mountain Professional Solutions XX/XX/XXXX I sent a registered letter requesting verification of the debt ( see letter ) dated XX/XX/XXXX On XX/XX/XXXX I received a response to my letter with billing copies but no proof of the debt as requested. I sent another registered letter XX/XX/XXXX ( see letter ) requesting again the actual proof of this debt being mine. They sent me another letter dated XX/XX/XXXX ( see letter ) with the same billing pages, but no verification of the debt being mine, as requested. 

On XX/XX/XXXX I sent another registered letter to them about their requirement within the law to provide proof of a debt being mine ( see letter ). on XX/XX/XXXX I received a registered letter and had to sign for that letter with the XXXX, in that letter they stated they did provide me validation of the debts. They just keep sending me the same pages of billing statements with no actual verification of the debt. This collection agency is clearly not complying with their responsibility under the law after repeated attempts and should cease & desist trying to purse this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the debt collector, requesting validation of said debt, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. After waiting for more than 30 days without any response, I sent a second letter on XX/XX/XXXX to inform them that by not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I was really hoping to hear back from them after that but after blatantly infringing upon my rights by refusing to respond with my second attempt to clear the matter I reached out to a credit bureau to file a dispute. 
All in all, its been well over 90 days since my initial request to validate the debt and this item has still not been removed from my credit report despite several attempts to validate the debt to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX, FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS 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 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Our mortgage was acquired by Freedom Mortgage in late XXXX. We have made every payment on time which was even acknowledged by them over the phone. They have promised to address the discrepancy several times, but we are still receiving deliquency letters from them and have been reported delinquent to XXXXXXXX XXXX XXXXXXXX.

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act Convergent. 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have attached a letter regarding PHH mortgage. They're very unethical and purposely dragged the modification they were trying to do with me since XXXX of XXXX. In the end, which is XXXX of XXXX, they told me, because the amount of XXXX that I got behind since XXXX of XXXX, I was over their XXXX percent rule. 

I will tell you that when the forebearance period ended in XXXX of XXXX. PHH mortgage was the only servicer that did not try to lower my payment. I have several homes, i was on the brink of losing, due to covid 19. 

All other mortgage companies, lowered my payment and helped me. Phh on the other hand at XX/XX/XXXX did not offer any help, and when I asked for help, they dragged this entire modification all the way from XXXX of XXXX til XXXX of XXXX to tell me, sorry, XXXX XXXX, you dont qualify, either sell your home, or give us your deed in lieu, they also refused to refinance my home, because I missed my payments, and even when i paid them to make the account current. PHH told me that I would have to wait one year. 

This mortgage company had the intent to foreclose on my, because my primary residence has a lot of equity, and PHH knows this. They are the most horrible mortgage company out there. 

They only hire employees from overseas that are not trained, and they just tell me XXXX XXXX XXXX XXXX send this and send that, they gave me wrong emails, wrong information, and every agent I talked to would tell me a different document was requested. I can not believe that this company is even allowed to operate, when they are not in the business there logo which is " Helping homeowners is what we do '' This statement is fraud. 

They need to change their motto to " Helping homeowners IS NOT WHAT WE DO '' Is the correct statement. 
I am frustrated beyond words. I have been them on time for 10 years, and when covid 19 hit, my Mom died, my dad foot is XXXX, I have a young son XXXX XXXX XXXX. I am single Mom tried to support my entire family with problems. 

PHH mortgage needs to be investigated for their unethical practices of trying to take homes way from vulnerable people. I am sure I am not the only one out there, that has endured 6 months of phones calls, and documentation to be told SORRY ABOUT THAT. In a very customer services reps that care more about their roosters and dogs in the background, as I am begging for help. 

I hope someone reads this, because this was the worse experience I have had, and it has just been trauma after trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
I recently reviewed my credit report on XX/XX/2022 and I noticed two hard inquiries that I didn't approve or authorize. I called Transunion and they informed me to make a report with the XXXX and to turn that in to them in order to have this removed. 


Transunion file # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
After dealing with Hunnington Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called Hunnington that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. 

I have spoke to multiple people now at Hunnington Bank and they all tell me they agree with what happened wasnt right, but they cant change what was reported. 

Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''

Company response to consumer: Closed with explanation