vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I sent a email to ask for a debt validation letter because I received a letter in the mail saying I owe the debt and how to contact them for a debt validation letter. they never responded to my inquiry and instead sent a debt Validation letter to a email I was no longer using without letting me know I can dispute and also did not include the debt also belongs to a secondary party. On top of this they included photos of the apartment to add fees. And I took photos that do not match the damages theyre referring to. I was willing to pay a quarter of this debt, but I am not responsible solely and this is affecting my credit. I also was on unemployment due to being fired because of XXXX during this period and my compensation was not enough to cover the full amount of rent. A application for rental assistance was in process as the secondary holder refused to assist with payment. I will include all documentation showing my last receipt which reflect every payment was made by me, any additional proof I am able to provide. I will also include the debt letter sent to me without the option to dispute. I will also include the request for debt validation that was never responded to via the same form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I saw on my XXXX XXXX that Credence Resource Management is claiming I owe XXXX XXXX XXXX {$3400.00}. I never received any communications from them, and was only made aware of this alleged debt, when I checked my XXXX XXXX. I emailed Credence requesting copies of supposed signed contracts. They can not provide them. There are multiple phone numbers on this account that I am unfamiliar with and want to see copies of signed contracts they are claiming exist. I also requested copies of itemized bills and they have not provided them either. This account is fraudulent and Credence is currently being sued for these same actions against others in a class action suit. I am learning of this collection that is apparently from an account from 2008. They are in violation of numerous Federal laws and statutes, and they have just informed me via email, that they will not communicate with me anymore because I am demanding these documents which I am entitled by law to see. This account needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

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 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I called several departments within Nationstar Mortgage ( Mr. Cooper ), with respect to my escrow for a secondary policy on my condominium. 

I was advised that my escrow would be cancelled for my individual condo insurance policy because I did not wish to renew it. Then another rep told me it was required. I requested written proof that it is a condition of my mortgage. They provided me my note and no such statement was found in the note. I called again and they insisted it was required, but refused to provide me proof, and refused to transfer me to supervisors repeatedly. 

Now they intend to cancel my escrow and force place a policy on my mortgage ( no doubt at an inflated rate with a kickback as a reward ). Their utter lack of cooperation leaves me convinced this is a criminal operation. 

They told me the " research '' department could provide written proof of such a requirement. I requested that proof, and a confirmed response that it would be provided, and the document that it would be contained in. Nothing has come back from them and this group does not accept incoming calls. 

This organization is likely engaging in racketeering-like criminal behavior and an investigation should be launched.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IN

Complaint narrative:
I sent a letter on XX/XX/2023 to Equifax. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Denitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specic factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that LVNV Funding LLC properly investigated this account because there are obvious inaccuracies. 

First off the account is reporting a monthly payment on a charge-off account. Now it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case The account has been re-aged by XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 6-year difference and once again it is LVNV Funding LLC 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported LVNV Funding LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: OR

Complaint narrative:
Collection agency : The Best Service Company, XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX My complaint is both against XXXX XXXX XXXX XXXX and The Best Service Company I orginally had a checking account with XXXX XXXX XXXX XXXX. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to XXXX XXXX XXXX XXXX by electronically depositing funds to my account. XXXX XXXX XXXX XXXX was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. XXXX XXXX XXXX XXXX stop accepting my deposits and turned the account over to The Best Service Company and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX  XXXX bankruptcy.

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 2023-05-19 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: UT

Complaint narrative:
In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.

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 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/23 my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXin XXXX XXXX XXXX in CA. 
He was XXXX, XXXX  children, and had less assets that required probate. 

He had an investment in crypto with Coinbase. Their customer service number has 5 options, the first 4 didnt fit so I selected 5-which disconnected me after giving me their website.

I have chatted with numerous agents online and have provided them with all documentation they required-including me having to open my own Coinbase account. They needed a probate form notarized, selfie, d/c, my DL and a statement to transfer his funds into mine. That was over a month ago. Meanwhile they hold my sons assets XXXX and he has lost over {$2000.00} while I continue to wait. 

I contacted Congressman XXXX XXXX who recommended your agency and the FTC. 

This has been extremely difficult as I try to deal with his affairs while in total grief. He was my XXXX child and I am heartbroken. 

Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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 have noticed several inaccuracies in the way my accounts have been reported. The information provided does not reflect the true status of my accounts or the accurate payment history associated with them. There are many errors on my report and I feel that I am being taken advantage of.

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 2023-05-19 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-05-19 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: SC

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. 

XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX there was a cashed deposit of XXXX. Due to XXXX XXXX  the manager place an hold on account. As I am sure of it because on XX/XX/XXXX I get an call asking whom was the person to make the deposit. I have never in my life went through this before. I been calling leaving message with a lady by the name of XXXX XXXX. Whom not once thought to call back and give reason to why there was a hold in first place. The policy doesn't say you have to be a certain XXXX, wear attire, hair to deposit funds in the bank. You can have someone else deposit money in your account you would think by now XXXX  wouldn't exist. But all the calling and going in the branch to get funds release is not working and I'm just tried of going back and forth on funds that belongs to me. The amount of stress is uncause for my XXXX XXXX is up due to this. I feel like anybody that is XXXX shouldn't bank here this was very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
This is what happened : XXXX XXXX Superior Court mistakenly sent my traffic violation debt to Alliance Once collection agency. I completed community service hours and verified them with the Court in XXXX of XXXX, which satisfied the debt directly with the Court. I do not owe any debt for this traffic violation. 

Alliance One has been attempting to collect this debt from me beginning in XX/XX/XXXX. I informed them during a phone call in XX/XX/XXXX that I already satisfied the debt directly with XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Alliance One has refused to officially verify this debt. Alliance One has refused to contact XXXX XXXX XXXX XXXX to verify if I owe this debt or not. Alliance One has wrongfully intercepted my state tax refund, in the amount of {$170.00}, in an attempt to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: CA

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
When I opened the XXXX XXXX XXXX  account I signed a blank XXXX screen to open the account. The bank is stating that I signed up for the courtesy pay program and I did not and would never sign up for something like this. I have never had an overdraft and do not sign up for things that incur fees. I have 4 accounts that appear linked on mobile banking and receive notifications about withdrawals and deposits along with statements all the time. I received nothing about this account being negative until XX/XX/XXXX when there was already {$160.00} dollars in fees assessed for spending {$58.00} over my balance. I had several XXXX dollars in all of my other accounts which could have covered the overages and I visited the bank a few times and it was not brought to my attention. They continually ask me if I want someone to call me about investing my money. The fees are exorbitant, my first overage was {$1.00} and a {$20.00} dollar fee was charged. They charged me {$28.00} five more times for a total of {$58.00} in overages that I didn't realize were being charged because I also thought the accounts were linked as they appear to be online. The bank stated they do not normally return those fees. Under normal circumstances I would understand this, but I feel that I was signed up for this program without my knowledge and the details were not included. All of my accounts had the same courtesy fee enrollment status that I did not sign up for. I was not given information about this when I opened my accounts. The first overage was drafted on XX/XX/XXXX and I received a letter yesterday and called to address it today.

Company response to consumer: Untimely response