vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a bill from a XXXX XXXX who says that he interpreted ( 2 ) venous duplex while I was admitted. He was paid by the insurance what they allow for that type of service. He called me and asked my to ask my insurance company to pay more and I told him that is what they allow for that service. He then sends it to a collection agency Remex ( XXXX ) XXXX. When they contacted me I told them that he was already paid for his services and that I don't owe him anything. He was not a providing physician for me all he did was interpret the venous duplex he did not perform it. He trying to charge me as if I went to his private office and he used his private equipment and performed the venous duplex which he didn't. The reason I need help is because Remex has put this on my credit report, what can I do to remedy this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
I sent multiple letters to Transunion regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response

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 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC is violating my consumer rights and has committed an act of aggravated Idenity theft. LVNV FUNDING LLC has obtained my private Information under false prenses and without lawful authority. There is an account reporting on my consumer with an alleged debt that I do not owe. I will attach my complete cease and desist letter that I have sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My husband and I are victims of fraud/scamming. I have tried working with Venmo, and they are not helping. I sent funds through Venmo to someone that was supposedly helping with crypto stock payouts and then found out I had been scammed. I tried getting them to send my money back and of course they will not. I worked with my bank, and my bank did stop payment for the Venmo transfer, but now Venmo is telling me I owe them {$3000.00}. Although Venmo never asked for any documented proof I did send an abundant amount including proof the scammer has changed their name 3 times in the last 26 days. I am in need of help to retrieve my funds and have plenty of documentation to send with this claim. Venmo is threatening to send me to collections and I'd like this resolved before that can happen. This all happened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2022-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was the victim of fraud with Comenity Capital Bank/ XXXX XXXX XXXX XXXX They signed me up for a mortgage which I had no knowledge of and now its on my credit report. I never received any credit from them and didnt even realize I had an account with them until I checked my credit report more thoroughly. 

The information below is what was in my credit report, I have no idea of the account number or any other details because I never even knew that I had an account. 

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type MORTGAGE Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 11 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$0.00} Available Credit {$1000.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency Comments and Contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We were sent a text from Chase bank on XX/XX/22 that there was a XXXX payment of {$5000.00} and did we authorize it. We text No and then received an immediate follow-up call from Chase. It had the Chase number on the back of our card as the caller id. They said we needed to dispute the charge and walked us through how to do it. It was already queued up on our computer that a {$5000.00} charge was initiated. When we questioned the procedure he said to call the caller id number, which we did and it was chase bank. They locked our account right away. We told him this and he reopened it without our assistance. He then walked us through it again. They had access to our account and were able to manipulate the bank screen when they wanted to. They had to have inside access to Chase. We contacted Chase on the XX/XX/22 when we realized what had happened. We went into the branch and discussed it and filed a claim with the fraud department. By XX/XX/XXXX, Chase sent us a letter, which we have attached, claiming they weren't responsible. They let someone access they institution and take our money. We really need some help! They were able to take {$10000.00} out of our account. We were told that under regulation E they should be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have been trying to get a release of lien or a division order signed from Rocket Mortgage for over a year now with no progress at all. They have cost me over {$14000.00}. I have called their office over XXXX times to XXXX different people and not once did any of them answer their phones. If not for a handful of emails, I would have thought they did not really exist. I have been shuffled off to one department after another ; XXXX XXXX | Resolution Advocate Direct : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Direct : ( XXXX ) XXXX XXXX XXXX Senior Special Loans Specialist Rocket Mortgage T ( XXXX ) XXXX XXXX XXXX Servicing Resolution Specialist Rocket Mortgage T ( XXXX ) XXXX None of which answered their respective phones, just to warn you if you try to call. 
Ever day that goes by I loose money and I need a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Within the dates of XXXX XXXX I applied for a balance transfer with Wellsfargo Bank , due to a promotion. This balance transfer was to transfer the amount from my home bank to Wellsfargo, in return Wellsfargo would send the approved amount to my home bank and I would be left with the only the bill for Wellsfargo. My application was accepted. Within a month, no amount of money was transferred to my external account to pay off the other debt. Since XXXX, I have ben left with a bill from Wellsfargo to pay off the new credit, while still paying off my original balance at my home bank. It has been 3 months since the acceptance of the application. My home bank has no knowledge of a check/ ACH transfer/ etc coming from Wellsfargo. Wellsfargo keeps concluding " research ' that it was sent but can not confirm with me which bank/ account it was sent to. I have sent numerous documents and screenshots of my bank statements dating back to the beginning of XXXX, time late XXXX. I have not received any news. I still do not see any transfers into my home account and i still have a bill wellsfargo.

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
In XXXX, 2021, Roundpoint Mortgage, without our knowledge, paid our insurance company ( XXXX ) our home insurance premium for the upcoming year - {$1100.00}. This amount divided by 12 equals {$96.00} a month. Roundpoint then added {$230.00} per month to our mortgage payment for escrow. Our closing documents state escrow for {$38.00} a month for flood insurance only. Since that time we have been unable to resolve this issue. Have had multiple phone calls lasting up to 3 hours. We have paid Roundpoint {$1300.00} over 3 different payments to cover their {$1100.00} payment made to XXXX yet they still say we owe more money and are late on our mortgage payment. They sent threatening letters mentioning credit bureaus, etc. ( Husband and I both have excellent credit in the high 700s ). I've asked to speak to a supervisor but request was denied. I've sent Roundpoint the requested documents to request removal of homeowners insurance escrow - first rejection letter back stated escrow account had a negative balance, second rejection letter stated no because we have been late with payments within the last 12 months. We have made our regular mortgage payment of {$1000.00} every month, just not the additional {$230.00} a month for the escrow we did not want in the first place and have paid over the original amount to fix. When I've called them I am sent into a 'black hole ' of reps whose speech is difficult to understand. Their insurance department just transfers me back to customer service. As stated above, husband and I have been trying to resolve this issue since XXXX with minimal headway and no end in sight. My husband is in poor health and the stress of the situation has negatively impacted him. Roundpoint appears to be a 'bait and switch ' operation and as consumers, it appears we have no recourse and can not request another company to facilitate our mortgage payments. We are requesting the homeowners escrow that we never requested/agreed to be removed from this account, and the amount we've overpayed refunded back to us. Please 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 explanation
Consumer complaint received 2022-01-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a identity theft report twice to XXXX, Equifax, and XXXX and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Caine & Weiner Debt Collector as of XX/XX/XXXX has placed collections XXXX XXXX # XXXX to my XXXX, XXXX, and XXXX credit report. 
XXXX has removed this collection as of XX/XX/XXXX. This company has not reached out or communicated this, but instead placed it on my report. I have spoke with manager XXXX XXXX and XXXX XXXX XXXX at XXXX. Requesting answers to why would they place this on my report without no prior communications, only to find out that this is a account since XX/XX/XXXX which I stated makes this a 3 year old case as well as it not belonging to me by fraud or identity theft. XXXX XXXX definitely had a attitude due to me asking how would I be compensated for my time waisted and my scores dropping over XXXX due to their error. I request that this infraction be deleted from both of the listed above accounts and that Caine & Weiner compensate me for their mistakes and my inconvenience of {$50000.00} per the individual ( s ), company, insurance ( s ) and bond ( s ).

Thankyou for your time you may contact me for banking and routing number. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient has been harassing me I have a private loan with them and it started at XXXX and its now at XXXX and the options they offer me the forbearance they told me to take them ans I did not know it would balloon up on XX/XX/XXXX I sent them a cease and desist letter to have them stop calling me I would only stick with written correspondence. Well on XX/XX/XXXX they started call me I spoke with a supervisor XXXX his code is XXXX and he told me he did receive it I told him that according to the Fair debt collection practices act that he was violating it by calling me and he told me that according to state law he can call me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2022, I attempted a mobile deposit of {$490.00} through the Truist app. It glitched several times and I never received confirmation of a deposit. I called Truist on XX/XX/2022 and a representative said it was not posted in pending deposits, it was not being processed, nor was it posted to my account. She recommended I wait an additional day. I waited, and when it hadn't posted, I called Truist again, on XX/XX/2022. During this phone call, the representative said it was not pending, processing, or posted and recommended I take the check to my local branch to deposit it. We experienced winter weather and I wasn't able to visit my branch until XX/XX/2022. At this time, I deposited the check and was told it would be credited Monday. On Monday, I call again ( to Truist ) and was told it would be Tuesday before my money was posted. On Tuesday ( XX/XX/2022 ), I woke up to an account that was overdrawn and the deposit had been posted and then removed from my account. After calling both Truist and my local branch, it was determined that the mobile deposit had posted on XX/XX/2022 ; however, I received no confirmation number nor did the two Truist employees I spoke with notify me of this deposit. Ultimately, Truist decided there was no fault on their part, because it had posted. However, they could not explain why two employees on two separate occasions after XX/XX/2022 couldn't tell me that the deposit had posted. The Trusit representative I spoke with today ( XX/XX/2022 ) explained that they couldn't see it because of processing times and they can not see processing deposits ; however, if the check posted on XX/XX/2022 as Truist states- why could the employees I spoke with on XX/XX/2022 and XX/XX/2022 not see the posted amount?

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 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX INC. is violating my consumer rights. This company that I never done business with is reporting an alleged debt on my consumer report. This company is reporting false and misleading information on my consumer report and has not sent me any " notice of debt '' pursuant to 15 usc 1692g ( a ). MIDLAND CREDIT MANAGEMENT , INC. has committed an act of aggravated identity theft pursuant to 18 usc 1028A ( a ) ( 1 ) and 18 usc 1028A ( c ) ( 8 ) by obtaining ; and possessing my identifying information without lawful authority. With that being said, attached will be my cease and desist letter I have sent to this company certified mail. I expect all claims to be handle in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I entered into a forbearance plan with specialized loan servicing for a home equity line of credit. At the end of that agreement I sold the property and the line of credit was paid off and closed in XXXX of XXXX. Specialized Loan servicing has market a 120 day late on my credit in XXXX of XXXX and in XXXX of XXXX with the home sold and the line of credit closed in XXXX of XXXX it is not possible for me to have late payments on this account in XXXX of XXXX. 

This action is preventing me from refinancing my new home.

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX- Card  was stolen/lost. Reported to BofA, received new card with the same number XX/XX/XXXX - Fraudulent charge for {$1300.00}, reported immediately and was notified that chip was used ( likely the lost card, which number was not changed ). Received {$1300.00} credit. 
XX/XX/XXXX - Notified that claim was found to be legitimate due to chip usage and {$1300.00} credit was reversed ( balance of {$0.00} ). I requested claim be reopened, same result. 
XXXX XX/XX/XXXX - Filed police report on advice of BofA, sent police report to BofA and asked case to be re-opened, was assured this would be resolved quickly. 
XX/XX/XXXX - Received letter from BofA stating the claim has been resolved in my favora and a credit would be added to my account. No credit was added. I called back to BofA and was told they would reopen my case to get the credit added. 
XX/XX/XXXX - An ADDITIONAL {$1300.00} charge was added to my account by fraud claims. Now BofA is taking {$1300.00} from me ON TOP OF the original {$1300.00} fraudulent charge. 
XX/XX/XXXX - Call back and BofA tells me the reopened claim was denied, initially claims that they did not receive the police report and I would need to resend ( which I did ). However, a supervisor ( XXXX from Texas ) then confirms that they received the police report. Same supervisor then told me they need to reopen the claim again and require 10 business days to resolve, and that they can not resolve the problem 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 monetary relief