vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
In XXXX I used my XXXX XXXX XXXX on vet emergency for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted XXXX XXXX who tells me the acct was written off. I check XXXX XXXX and see this LVNV debt for this XXXX XXXX debt that XXXX XXXX has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for LVNV. XXXX claims the debt is right I dispute again because I ow XXXX XXXX not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt XXXX XXXX has written off. I can scan the original debt paperwork from alpine animal hospital and the collection notice from the place LVNV hired. Just let me know if needed. I am on my phone or I would upload now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX5 U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete These Accounts 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 non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX Account number XXXX Account Name XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX5 U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete These Accounts 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 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP
State: KS

Complaint narrative:
on XX/XX/XXXX I opened a checking account with Associated Bank ( https : //www.associatedbank.com/ ). On XX/XX/XXXX I used its mobile app to deposit a check of {$4000.00}, addressed to me from my wife from her XXXX XXXX  ( XXXX XXXX XXXX ). The XXXX XXXX  records shows the check has been cashed by Associated bank on XX/XX/XXXX. Around XX/XX/XXXX I found out I can't access my checking account either via the mobile app or the bank website, therefore I called the custom service department, be told that my account is locked and under review, and should be released by XX/XX/XXXX. On XX/XX/XXXX, my account is still locked, I called the custom service department again, and being told that my account is locked by an employee named " XXXX '', and I was transferred to her voice mail. in the voice mail. I asked to her unlock my account so I can access my account. she did not reply my call. Today ( XX/XX/XXXX ), my account is still locked, and the custom service can't do anything except transferring me to XXXX 's voice. I left a voice mail to ask her to unlock my account or call back if she has any concerns about my account. As of now ( XXXX CT ), my account is sill locked and no one from Associate Bank has called me about my account being locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: HI

Complaint narrative:
In XXXX of XXXX, I received a phone call from a Flagstar Bank representative inquiring about if I knew about the forbearance options for my loan in the event I wanted to forego a couple of payments in order get caught up on other things or needed some COVID-19 hardship relief. The rep and I spoke on the phone, and she told me all I had to do was go online to my account and apply for it. When I asked about the repayment process I was told that the loan would be modified to put those payments during forbearance time on the back end of the loan, and it was easy as 1-2-3. 

Since I'm military I pay my loan on the XXXX and XXXX of every month, and starting on the XXXX of XXXX to XXXX XXXX I did not pay anything as I in a forbearance status. When I called to let them I was ready to start my payments again and to go through the modification process, I was told that was not the process and I had to APPLY for a Loss Mitigation Plan. I told the rep that is not what I was told by the previous rep, and was eventually told that person was 100 % wrong for not telling me the correct info and getting me into this situation. 

Needless to say the whole application process was a pain and it never got resolved. I spoke to at least 15 different Flagstar employees and was told something different 15 times. I would do what the application asked of and submitted everything at least two or three times because something was always needed because the underwriters took their time reviewing everything, and once 30 days had passed I would have to submit everything all over again. 

I ended up paying an extra {$800.00} a month to try and catch up on the missed payment during this timeframe because I had no faith in the bank to help get out of the situation they put me in. Since I'm in the military I was ordered to move from XXXX to XXXX with a two months noticed and that alone has caused another hardship as I had to pack up and move everything. This caused my wife to not be able to work again after not having a job since the first lockdowns on early 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 2023-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Early XXXX, 2023, I opened a checking account and credit card with Truist Bank, XXXX XXXX. XXXX PA. They were offering a PROMO of {$400.00} to open an account. As of XX/XX/2023, I completed all the requirements. XXXX XXXX was the XXXX XXXX, who assisted me with opening the account. Whenever I call on the status of the {$400.00} promised, I'm told the " XXXX  Department '' is still researching. Wait another XXXX days. According to the information when I opened my account, that {$400.00} would be deposited within XXXX weeks of my completion of the terms. XXXX XXXX informed me today, another woman has been waiting since XXXX for her XXXX. 

I also learned today from XXXX XXXX, that Truist finally located the {$250.00} from my previous complaint. That money needs to be reimbursed to XXXX, who after almost two months reversed the payment and refunded my money. XXXX XXXX told me today, the XXXX XXXX, XXXX location, just located the check for {$250.00} sent to them by XXXX. What is going on at Truist bank. Please do what you can to get them to honor thier XXXX and deposit {$400.00} into my checking 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 non-monetary relief
Consumer complaint received 2023-08-16 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: NV

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft, my passwords were compromised and my two-step verification was changed. I sent in an appeals form to Navy federal credit union about this situation. I would hope navy federal credit union can understand my situation with provided evidence and continue the banking relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15 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: TX

Complaint narrative:
The company is titled XXXX XXXX XXXX. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and Equifax, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: T.S. Holdings
State: TX

Complaint narrative:
The company is titled IQ data international. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and XXXX, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
XXXX has committed fraud by reporting inaccurate information on my report since XXXX. I have repeatedly reported them. I do not owe {$140.00}. I am supposed to receive a refund of {$1500.00} once the amount was paid. 
On XX/XX/XXXX - A check was issued by XXXX for {$120.00}. Yet they continue reporting to the credit bureaus!

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 2023-08-16 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: FL

Complaint narrative:
XXXX has committed fraud by reporting inaccurate information on my report since XXXX. I have repeatedly reported them. I do not owe {$140.00}. I am supposed to receive a refund of {$1500.00} once the amount was paid. 
On XX/XX/XXXX - A check was issued by XXXX for {$120.00}. Yet they continue reporting to the credit bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NE

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NE

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
As of today XX/XX/XXXX we found out our mortgage had been sold to a different mortgage company. This morning my husband went on to the United Wholesale mortgages website to pay our mortgage and was told our loan was paid off and we have no option to pay through them. It has been sold to another company which we were made aware of today. That company is XXXX XXXX. I proceeded to download their app and attempt to pay. It says our account details have not been transferred over yet and it will take 2 days to be able to create an account with them. The date I will be able to make a payment through the new company will be XX/XX/XXXX, according to them. My payment will be late as of midnight tonight, XX/XX/XXXX. I have absolutely no way to pay. Yes, so have called both companies. I called XXXX and the automated message said my husband nor I exist at the moment. There are no accounts with our phone number, SSN, or loan number. I, then, called United Wholesale Mortgage and talked to XXXX. He told me they were not authorized to talk to me and my husband had to call. Quite a while ago we had this problem with them and we sent in copies of identification and a notarized letter giving me permission to talk to them and be added in as an authorized user. They claim them never got that, then he rechecked and found the letter that gave me authorization. However, he claimed it was only valid for 90 days. We have had nothing but issues with this company from the start. They have lost our payments for the months of XXXX and XX/XX/XXXX and reported them to the credit bureau as late. We had talked to about XXXX different people who said they would not get reported since it was their fault they lost the payments, but did not honor their word. As of right now, we have no way to make our payments and it will be late if it is not made by midnight tonight even though I have taken every Avenue to make sure it is paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TX

Complaint narrative:
During the year XXXX, my identity was stolen by a family member who was staying with me during a financial crisis. She stole my identity by stealing my ID, social security card, and other forms of identity. She obtained loans and credit cards in my name. I began receiving late notices from XXXX XXXX in XXXX. I notified the creditor that this was not my loan and that my identity had been stolen. I began asking XXXX XXXX and Equifax to verify this loan. No one or any documents have ever been received to verify this debt. Even after several letters to Equifax, they just came back with this debt has been verified without any proof. This was reported to the credit bureau in XX/XX/XXXX. Over the years I have written XXXX XXXX and Equifax stating that this was not my account, please verify. In XXXX if filed a claim with Identity Theft.gov and the FTC showing that my identity was stolen in XXXX and that various creditors were still pursuing me for collection. The reference number to the Identity Theft report is XXXX. I submitted a copy of the report to XXXX XXXX and Equifax in XXXX of XXXX. I also requested a copy of the FTC report reference number XXXX. XXXX XXXX has currently sold this debt to XXXX XXXX XXXX after they have charged off this debt with the IRS. So not only is XXXX XXXX reporting negatively on my credit report, but now this XXXX XXXX is in collections. Both reporting at the same time for the same debt. I have been trying for years to rectify this and now I am filing a claim. After years of fighting this, my next step is to file suit in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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:
When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief