vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
I HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO GET THESE ACCOUNT REMOVED AND THEY HAS FAILED TO INVESTIGATE AND GET THESE FRAUDULENT ACCOUNT REMOVED. I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED MY FTC REPORT, MY IDENTIFICATION, I'VE CONTACTED THEM SEVERAL TIMES, IT HAS BEEN REMOVED OFF XXXX. ADMISSION EQUALS DELETION SO WHY HAVEN'T THESE FRAUDULENT ACCOUNTS BEEN REMOVED..

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
The company IQ DATA INTERNATIONAL is trying to make me responsible for an account that does not belong to me however theyre saying now that someone else has paid for the account and paid it off but they still have it on my credit and it does not belong to me I have no knowledge of this account is not my account it dont belong to me and it may be on my credit report due to identity death but the company would not remove it off my account when it doesnt belong to me and someone else obviously almost is account and they are paying for the account but they still are reporting it negatively on my account when theyre saying someone has already paid or settled the account with them but it is still on my credit report and it Never should have been on my credit report believes it does not belong to me and this company IQ DATA INTERNATIONAL is not even willing to remove it off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This company has called me 14 times since XX/XX/2022. I have received no written communication about any debt. I don't recognize this debt or the phone number that keeps calling. I signed onto my XXXX XXXX today and saw the account on my credit as well. I have disputed the account with XXXX. This company has called me XX/XX/XXXX at XXXX EST, XX/XX/XXXX at XXXX EST, XX/XX/XXXX at both XXXX and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX EST, XX/XX/XXXX they called 4 times! : XXXX, XXXX, XXXX, and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX Per CFPB Regulation F - a debt collector may not call a consumer more than 7 times in 7 days. This debt collector is in violation of this rule and are harassing me. 
Additionally, I never received a validation letter for this debt and do not recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I have had an account with crypto.com for a while now. They were recently hacked. When this happened i lost my account access. I had to recently change my email address and have contacted support multiple times and they refuse to help restore my access. Please help ive contacted them over and over for at least a month. I need to do my taxes and this is causing a financial hardship for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XXXX of XXXX, I checked my Business Account ( XXXX ) because I've noticed an obscene amount of money missing and noticed there has been many unauthorized charges/transactions that range from XX/XX/XXXX to XX/XX/XXXX totaling approximately {$11000.00} that have been made through my account that I did NOT authorize nor make. I immediately went to my local branch of Bank of America located at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX and spoke with a personal banker to get some help on resolving this issue, and felt they would be more of help if I went in face to face. So, after we went through my account together, I was presented with a printout of all the charges and they even helped me with the dispute process on site. So, after about 11 days from my dispute, I received 2 denial letters in the mail stating they were unable to approve my recent claim ( XXXX ) due to : " The charge was made by you or by someone who has permission to use the card or account. '' And as I explained to the fraud department when I called, I have never heard of the person that some of the XXXX transactions were made to, nor do I have any said transactions in my XXXX account that could confirm that I sent the person ANYTHING, not to mention all the charges from a subscription service, multiple large transactions that happened at XXXX XXXX as well as many others, and I was told there was nothing they can/will do. So, my next step was to my local police department to file a report ( XX/XX/XXXX ) where I had to list all the charges that I tried to dispute with the bank, I even did a little investigating on my own and found that the person/young lady who my money went to and whom I believe hacked my account somehow and stole my heard earned business money and presented all that to the police department as well. And right after that I went back to the same local bank branch to re-open the claim for further investigation and still to the date of XX/XX/XXXX I have not received any further correspondence from them. I've had my business account for almost 40 years with Bank of America and don't understand how they can just allow their consumers to be taken advantage of and not try to do a thorough investigation to recover what was stolen. I am an XXXX, XXXX citizen on a fixed income, and for my money to have been taken from me and I get absolutely no help from the financial institution that I have trusted with my savings that I lived off of, is Ludacris. My next from here is to consult with legal counsel, and including but not limited to my local consumer reporter.

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AP

Complaint narrative:
I was a long-time member of SUNTRUST BANK which just completed it's merger transition to TRUIST BANK. Since the final migration of my bank with TRUIST in XX/XX/2022 my TRUIST issued debit card is continually denied, which is my primary method accessing my funds for daily living, bill payment & rent. I have spent hours of my time with the customer support & fraud/security telephone reps with no resolution. I get vague responses like " we don't understand why it is not working..we re-set your debit card it is OK now ''. Afterwards the debit card is always declined at ATM 's and point-of-sales locations. 
To mitigate this problem I have tried to transfer my some of my checking funds to another bank in an account I rarely use. Of the 3 bank transfers I have submitted two have been stuck in the 'processing status ' for a week and the third was cancelled by TRUIST. 
Now I am having to take out a loan with my other bank just to to pay my rent & utilities because I can not access my funds in TRUIST. 
When I can reach TRUIST via phone, after hours of waiting, I get no resolution and I am passed from one rep to another until I eventually get cut off. 
I have almost $ 100K in my TRUIST accounts and I can not access a cent of it now.

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 2022-03-16 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: TN

Complaint narrative:
We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX  fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.

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 2022-03-16 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: TN

Complaint narrative:
We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TN

Complaint narrative:
We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.

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 2022-03-16 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: TN

Complaint narrative:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the Commissioner of Public Works account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX  willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX I am demanding monetary relief for the damages above or I will file suit in federal court within the next 14 days if my demands are not met. This is not a negotiation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-16 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: Scratch Financial, Inc.
State: CA

Complaint narrative:
Scratch Financial in XXXX XXXX opened a line of credit using my name and social security number for another person. The loan has become past due and it is being reported to XXXX on my credit report. XXXX has lowered my credit rating. Scratch Financial will not clear up my credit unless I give them a loan ID and file a police report of Identity theft.

Company response to consumer: Closed with explanation