vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
I closed on my home XXXX XXXX. The property taxes were included in the closing costs. I was advised through mail that XX/XX/XXXX Fidelity Mortgage was selling their accounts to US Bank Mortgage which whom would be our new mortgage company. I receive a bill from the XXXX XXXX treasurer dated XX/XX/XXXX for property taxes. I spoke XXXX at US BANK Mortgage on XX/XX/XXXX whom stated the payment to the county was denied. I made a case/ticket with US bank for the taxes to be paid. Advised to call back in 10 days. Call back and spoke with XXXX XX/XX/XXXX she stated there was a approval to pay but no payment made yet. Call back in XXXX. Call back on XX/XX/XXXX and spoke with XXXX whom stated no payment made and needed to make another case/ticket. Call back in 10 days. Call back XXXX and spoke with XXXX whom stated on XX/XX/XXXX check was sent. Call back in 10 days to verify. Call back XXXX spoke with XXXX whom stated it was paid but needed a email sent of the property tax bill to pay the interest of {$69.00}. Email sent XXXX. Email again on XX/XX/XXXX to verify if paid, no response. Call back ok XX/XX/XXXX and spoke with XXXX whom transferred me to XXXX to verify if interest has been paid and was told the penalty and interest rates is now {$400.00} and check was sent to county treasurer on XX/XX/XXXX for the amount. Call back in 10 days for check to clear. As per my US BANK MORTGAGE app states the original amount was deducted from escrow on XXXX. I called XXXX XXXX treasurer on XX/XX/XXXX to verify and XXXX stated they have not received any payments from US bank mortgage. They stated if the amount is wrong they would send the check back to the mortgage company. As of XX/XX/XXXX my property taxes, interest and penalties have not been paid by US bank mortgage when I originally paid my property taxes on XX/XX/XXXX at closing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: IN

Complaint narrative:
REVCO solutions has shown on my credit score though I have had no business dealings with them or XXXX XXXX XXXX. I contacted them and by phone initially when I got a letter in 2021 they could not explain what debt is for and amount. I was injured at work by another employee which ran over my foot with a forklift and was taken to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Indiana. Workers compensation cover all my medical costs which have all been payed for. This debt is my employers. I had REVCOS letter sent to my workers comp through my employer HR and submitted this collection from XXXX XXXX XXXX to workers comp # XXXX Negative action was took and damaged my credit. Disputed debt with REVCO today they stated they will delete damage from my credit history. 

I want this off my credit report ASAP as they could not tell me what day when it will be deleted from my credit history. I am requesting the help of the Consumer Financial Protection Bureau for a correction to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XXXX XXXX I was trying to add funds into my XXXX XXXX and it declined it went onto the td bank app instead to XXXX come to find out Im locked out my account. I called td asap since Im unaware as to whats going on in my account since Im outside the US. The rep told me my account was closed due to a XXXX  that was being disputed and told me go to a branch for my info. I returned back to the US on XX/XX/XXXX went to a branch for the rep there tell me to wait for a letter that she couldnt give more details. Now we in XXXX I called few days ago to td bank to follow up since my funds have been frozen due to the account closure. The rep that helped straight told me they was charging back XXXX  transactions that I had received apparently I cant accept payment unless they personal and that for me to go thru my statements and reach out to all who td is refunding back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB complaint # ( XXXX ) to advise of a Navy Federal charge off thats reporting on incorrectly my credit report. The following account was charged off as of XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is also falsely manipulates the statue of limitations. Navy Federal responded back to the complaint stating on XX/XX/XXXX Navy federal noted a discrepancy in the payment history and the date of last delinquency And have sent a request to the credit agencies to update the information correctly and they also advise the update could take up to XXXX. Today I reached out to XXXX and spoke with XXXX the supervisor in the dispute department and she advised there was not a request sent by Navy Federal or any other company for an update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Allgate Financial, LLC
State: VA

Complaint narrative:
I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stern Recovery Services, Inc.
State: SC

Complaint narrative:
On XXXX Stern Recovery Services added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and. Stern advises that they don't buy or transfer account however their website at www.sternrecovery.com advises that they do. I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services has violated my rights as a consumer and I am requesting legal action to remove this account 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 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Tromberg, Miller, Morris & Partners, PLLC
State: VA

Complaint narrative:
I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted Tromberg , Morris & Poulin , PLLC as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
I received a call from XXXX at XXXX am XXXX on XX/XX/2022 claiming to be Aargon Agency which is a debt collection agency trying to collect an unpaid debt for XXXX XXXX XXXX XXXX for services to the house XXXX XXXX XXXX, XXXX NV XXXX. This house was lived in by me and my ex-wife before we divorced but now she lives in it by herself. XXXX XXXX XXXX XXXX was the power company for XXXX decades ago but is now known as XXXX XXXXXXXX. The XXXX  XXXX account for this house was in my name during the marriage but is now in my ex-wife 's name. The person claimed I owed {$280.00} for services provided from XX/XX/2022 to XXXX. He knew the last XXXX of my SSN. He read off an account number and it was very close to my account number with XXXX  XXXX but not exact. I logged onto my XXXX  XXXX account and it said I owe nothing. My ex-wife also logged onto her account and she also owes nothing. The guy ( XXXX ) told me to go to this website : https : XXXX and to log on using XXXX and account number XXXX to see for myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Called Sent Proof Several Times Its unlawful to misuse my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: TX

Complaint narrative:
I am receiving debt collection notices from NPAS Solutions LLC. 
There is a number XXXX to call. But when I call this number they say this is not correct number. 

The debt is about a Medical Bill from XXXX XXXX XXXX XXXX for {XXXX} ( service date XX/XX/2020 ). Which they say I need to pay. Although this bill should have to gone to my insurance company. They did not sent it to insurance company even though I provided them with my insurance information. Now they say then can not send it to the insurance company because it is very old. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: VA

Complaint narrative:
Repeated calls to collect debt for person not associated with our phone number. When I call back they are abusive quickly stated have debtor update records and hang up. Have called at least two three times daily for past three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Under the XXXX XXXX Onemain is required to report my account as being current. In XX/XX/2021 I made an arrangement with the Branch XXXX in XXXX, NC to move the payment to the end of the loan and under the cares act I am requesting Onemain to remove the late payment from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ

Complaint narrative:
I moved out of my apartment in XX/XX/2018 after graduating from XXXX. I turned in my keys and moved across the country from Indiana to Arizona to start a new job. I knew I had to pay utilities for the month after I moved out so I submitted my XXXX payment. I thought that was my final payment. A year later I got a letter from a debt collector saying I owed {$100.00}. I was confused and called XXXX XXXX to discuss the payment. I was moved out, I should not have owed money. They said it was for the month of XXXX. I moved out in late XXXX. I called my apartment complex and apparently a roommate didnt return his keys, so I was technically still liable for the apartment. I immediately made the payment once I found the cause. I later learned that if I asked the debt collector to remove the delinquency prior to paying, they would have. But I didnt know, as Ive never missed a payment and never been sent to collections. Both XXXX XXXX and the debt collector refused to help or do anything, since this was clearly a misunderstanding. XXXX at XXXX point said a woman would send a letter, but never did. My credit is tarnished because of this. One agency took my side and removed it and my credit is around 800 with them, the other XXXX show around XXXX. The other XXXX simply ask for a letter stating it can be removed. XXXX and the debt collector say it is not our policy to send letters for these matters. I can not do anything, can not get help from them or credit bureaus. I am stuck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Credit Collection Serv. ( Account # XXXX ) has reported a collection account to both XXXX and XXXX without allowing me an opportunity to request validation of this alleged debt, which is a violation of my consumer rights under 15 U.S. Code 1692g. I was never provided proof that this alleged debt belongs to me, the name of the original creditor or that the amount of this alleged debt is correct. I have sent in multiple validation request letters to Credit Collection Serv, and I have yet to be provided with validation of this alleged debt. This alleged debt is unfamiliar and to my knowledge, unvalidated. I have also tried disputing this account with XXXX and XXXX on multiple occasions and each time my dispute results have come back as " Verified ''. This is frustrating to me because my consumer rights are clearly being violated and the collection company has yet to respond to any of my validation requests, but XXXX and XXXX have continued to report this information as accurate on my consumer credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/2018 my husband passed away. You company allowed someone to close out a joint credit card between my husband and myself. I ask your company to write or send me the information that a call has been reported. This was a very bad situation because I was a joint owner of the account and the account needed to be closed in the proper way Please I need in writing who closed this account. And for who or why did you summit Bills to my attorney which cause money as the attorney gets paid by the hours. 

You received information that was personal and you acted on a phone call. The personal stole this account information with permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/2022, on the day called XXXX XXXX and asked them to release my account information for XXXX, so I can use it for other accounts they refused to do that so they can move money around in a ghost account. I am accusing them and I am fearful that they're using this account that I can't get in for illegal activity instead of just releasing my email address so I can put it towards another XXXX account using another bank over the phone after a number of billionaires across the sea in XXXX cut off from the world and a talk show host XXXX XXXX not being able to touch the money she accumulated over the years just because someone does not like her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX I opened a credit card with XXXX via Comenity Capital Bank. My interest rate was 25.74 % and I had a credit limit of almost {$700.00}. I paid my bill on time every month and had no problems until XX/XX/XXXX when I missed my due date by a few days and was charged a late fee. I made a payment, called to have the late fee reversed ( it was ), and went on paying my bill on time from that moment forward. Around this time period Comenity Capital sent out notices about how to save on interest by paying the full amount due within 25 days of the billing statement and this information was also reflected on the XX/XX/XXXX billing statement. WHAT WAS NOT mentioned was that I would have to pay TWO SEPARATE APR 's of 25.74 % - one applied to my balance for all charges prior to XX/XX/XXXX, and the other applied to the balance of all my charges after XX/XX/XXXX. Given that this was never mentioned in any correspondence I received from Comenity Capital, I did not notice until XXXX of this year that I had been paying two APR 's for the past 12 months. I have contacted Comenity Capital on three occasions ( twice via email and once via telephone call ) to resolve this matter/receive more information about it and twice I was told to consult my billing statement for information - which doesn't explain anything which is why I'm contacted Comenity to begin with, and the third time when I finally called I realized that once again I was going to receive a scripted response so I asked to speak with a Stateside customer service representative ... .I was transferred then hung up on. I want to know why I was being assessed two APR 's and why is Comenity so reticent to clarify this situation?

Company response to consumer: Closed with non-monetary relief