vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX turned of their DSL service to my residence in XXXX of 2021 but continued to bill me for the service even though they made the switch for my service to be provided through XXXX. I have written letters to XXXX XXXX XXXX and their endless collection agencies to no avail. They are harassing me for payment of services they no longer provide, along with late fees. This latest attempt comes from a forth collection agency and if the harassment continues I will look into what legal actions are available to me to sue for harassment. I have made it clear I am more than willing to meet them in court with all the documentation to support my argument showing that XXXX XXXX XXXX shut down their DSL service and forced me to go elsewhere for my internet service but they continued to bill me for the service they were no longer providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: CA

Complaint narrative:
THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a credit card with Citi bank - the XXXX XXXX XXXX XXXX credit card and was denied for a bankruptcy from XXXX  28 years ago. My current XXXX score averages around 800, I currently have two credit cards with Citi that are about 10 years old with a combined line of credit of {$54000.00} and are paid off every month. I charge well over XXXX per year and do not have balances on my cards. Our household income is about {$780000.00} per year. 

I am more than happy to provide verifiable documentation of any of the above. I have not had any issues with obtaining credit for 20 years as I worked very hard to restore my financial stability after my bankruptcy in 1995. Note I am now XXXX, I was XXXX when I filed and filed due to loss of employment. I find it odd, that after I told the credit analyst that I wasn't sure if I should have included my husband 's income on my solo application that she couldn't hear me anymore, stated she would call me back, did not call me back, and then I got a denial letter for an almost 30 year old bankruptcy. Note - I asked if I should include his income because most of the debt on my credit report are joint accounts and joint responsibilities. 

I feel that I am being discriminated against for being XXXX as there is nothing negative in my credit file, my account history with Citi ( along with my other creditors ) on my existing Citi accounts is 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 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is my fourth CFPB complaint regarding Portfolio Recovery. I have requested in writing, and through previous CFPB that Portfolio Recovery cease and decist all communications with me. I yet again, recieved another letter from portfolio recovery today oXXXX XXXX XXXX XXXX The letter is dated XXXX XXXX XXXX 

This is the same letter I have recieved three times previously, after I sent the initial cease and decist request. Portfolio recovery is sending the same letters, over and over to further harass me. 

I am forwarding all communications to the State Attorney General for review of the blatant disregards to FCDPA rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last XXXX Truist was notified by XXXX XXXX that my flood insurance was due. They did not pay the flood insurance until after XX/XX/XXXX, which is after the 30 day grace period. Truist was notified numerous times by myself and my insurance company and they replied that everything was taken care of. They have the emails from XX/XX/XXXX and mine from XX/XX/XXXX. NowI have lost any granfathered discounts, my insurance has increased {$3000.00} a year ( my property has never had an flood insurance claim since XXXX when it was built ). 
I have had this mortgage and insurance for over 10 years. I have also lost continuous coverage to keep a lower rate, which, if i sell my home the buyer would have also get a lower rate, also at the higher rate the coverage is lower..I have talked to over XXXX people and it seems noone wants accept the fact the bill was sitting on someones desk. I now have a forced policy placed of which i have no idea what this will cost. My insurance co. said Truist has done this to others.

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 2022-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Applied for XXXX on XX/XX/2022 Received notice from Fedloans on XX/XX/2022 that my LOANS ARE BEING TRANSFERRED for XXXX XXXX XXXX XXXX XXXX with XXXX on XXXX and XXXX just to be sure I had everything right. Was told all was good and to just wait patiently. I was to do nothing further. NOTHING Was then told on XX/XX/2022 That I was supposed to initiate the transfer since some of my loans were private and needed consolidation. Basically tough luck you missed the deadline. 
I have well over XXXX payments and have been working in The public service field for XXXX years. 

I am sickened that the professionals that I called for help gave me false information, which in turn caused me to miss out on this opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Trust Management LLC
State: LA

Complaint narrative:
In XXXX, I have obtained a installment loan from XXXX for {$1000.00} after an outstanding interest rate on the account I have not made any payment to the company because I did not agree with the unaffordable interest accrued on the account. On XX/XX/XXXX I have received a call from Global Trust Management about my account with cashnetusa in regards to making payment arrangements. I have never done business with this company whom have obtained my personal non public information 15 USC 6802 directly violating my rights to privacy, 15 USC 1692f 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have never signed an agreement with this company and have never once recieved in writing any disclosures on how my private information is being used. This company has violated the Gramm-Leach Bliley Act of 1999, Fair Debt Collection Practice Act, Code of Federal Regulations, and the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have a mortgage in Selene Finance, my account is # XXXX. 
A part of my monthly payment is an amount intended to be accumulated on escrow account. This means that Selene Finance collects my money so to pay property taxes behalf on me. 

On XX/XX/XXXX I discovered that my property taxes for XXXX and XXXX haven't been paid by Selene Finanace. It's not a deadline for XXXX tax, but they missed the time when it could be paid at a lowest rate. 

I made a call to Selene Finance on XX/XX/XXXX and informed them about this situation. A person in call center confirmed, that the amount collected on my escrow account is sufficient to pay taxes, but, he said, " for some reason disbursement never was done ''. He said that he's going to initiate investigation which can take up to 10 business days. I waited 10 business days and called them again. They said they still working on it, I have to wait more and they will let me know upon completion of the investigation process.

I said I disagree with it and required to transfer my call to supervisor. However, he was not available to respond. They scheduled call back within next 24 hours but nobody called me.

I absolutely sure that 2 weeks is absolutely enough to solve this problem. 
There are very simple facts for their consideration. They collected my money for specific purposes ( to pay my taxes ) and they did not pay my taxes. It looks like they misuse my money. 

I feel they absolutely no rush to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: CA

Complaint narrative:
THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX XXXX  XXXX XXXX BALANCE {$7600.00} 2. XXXX XXXX XXXX XXXX XXXX BALANCE {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX {$9300.00} 7. XXXX XXXXXXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

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 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I sent a letters to XXXX certified mail with return signature on XX/XX/XXXX and XX/XX/XXXX requesting that they validate the debt they claim I owe and a cease and desist if they are unable to validate the debt. XXXX has failed to provide : 1. Documents from your company bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from you.

3. The amount of claimed debt, a true bill ; 4. Explain and show me how you calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay what you claim I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove the Statute of Limitations has NOT expired on this account ; 8. Show me that you are licensed to collect in my state ; 9. Provide me with your license numbers and Registered Agent or Agent of service ; 10. If the claimed debt was sold please provide the accounting in accordance with XXXX XXXX XXXX if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. {$1000.00} XXXX now owe me {$1000.00} due to violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a victim of identity theft and a Suntrust fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2022-12-14 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Clarity agency which is a sub company of XXXX report my XXXX XXXX to XXXX. Upon Denial of my credit I requested a report from this agency who I have never heard of and was denied after answering all the security questions lie providing my Social Security XXXX. They said that they did not know who I was and I have received a report from them before. I asked why are you reporting my credit if you have no idea of my Identity. No answer and refused to let me speak to a supervisor

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