vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX {$710.00} CB XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} FXXXX XXXXXXXX XXXX {$500.00} XXXX XXXXXXXX {$140.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day peXXXXod beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have XXXX complaints BB & T/Truist Bank The first, every year this loan has been in force I receive letters from my mortgagee stating I do not have appropriate insurance when I do. I have XXXX flood policies and XXXX hazard policy. Every year I have to spend hours on the phone dealing with representatives explaining the following : 1. Each building has its own flood policy and the flood policies exceed the amount of the loan which is more than required by XXXX. 

2. Only one hazard policy is required for up to XXXX units ( which is how many units I have ). That policy is insured to more than 80 % of the building value and well in excess of the loan value. 

Year after year the mortgagee threatens to or actually force places flood and/or hazard insurance. It takes countless hours and a considerable amount of stress to get them not to force place the insurance. I am currently in possession of over XXXX pages of letters from BB & T/Truist they have sent me over the years and this is not all of the letters I have received. 

The second issue is with their escrow department. On multiple occasions they have made erroneous payments to my insurance company or just strait up have wrong payment amounts on their escrow payment statement. They pay for policies that do not exist or they pay incorrect amounts. Then BB & T/Truist demands I pay thousands for shortfall. Currently my escrow statement shows over {$2000.00} worth of insurance payments that do not correspond to the insurance bills. Also, according to my insurance company, they have not received payment for the accurate amount. This is the second time that I am aware of the mortgage statement being grossly incorrect and to add insult to injury they force me to have an escrow account even though the loan to value ratio is only 50 %. 

I am an educated person who works in the insurance industry with above average wealth. I also nnow how to read statements and am good at reconciling finances. I am left with no choice but to pay off this loan even though I would prefer to keep it. I am just too fed up with the yearly stress of dealing BB & T/Truist. I pity people that do not have the expertise and means that I have to deal with such gross incompetence.

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 2022-02-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2200.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. XXXX XXXX XXXX {$1200.00} and XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXl {$280.00} and ARS Account Resolution {$190.00}. 

The accounts are with : ARS Account Resolution of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I am unable to pay through their online account system because they claim my account is past due. My account is allegedly past due because they didn't send their " welcome '' packet in time to make a payment. We actually attempted to make the payment when Fay Servicing took over and they didn't let us because the account hadn't officially been transferred my the normal payment date. They will not call me back and I'm growing increasingly concerned they're making it difficult to pay in order to put people further into debt. 

They also have failed to send me a W9 form in their " welcome packet '' but threaten me with fines for not turning it into the IRS. I have multiple properties and have never experienced this treatment. 

Their online portal also does not state how much I have in escrow. This is concerning because my loan was serviced by a different company and was transferred to this one so I'm unsure if they collected the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2022 a payment of more than {$500.00} was withdrawn from my bank account without any authorization given to Comenity Capital Bank. They fraudulently reported the payment as approved on the phone in the transaction notes when I never even spoke to anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I placed an order through a XXXX XXXX for clothing from XXXX XXXX. I received items but they were not the items that I ordered. I tried to look up the company but could not find a website or any information for them. I paid through Pay Pal so I opened a dispute. They said I could receive a refund if I send the items back and pay for the shipping myself. The problem is, the items totaled {$160.00} and the shipping cost estimate is {$270.00}. Pay Pal said there is nothing they can do. I feel like Pay Pal has misled me to believe that they would offer me buyer protection in the event I did not receive my items. The only way they will refund my money is if I spend more than the items cost to ship it back. 

XXXX XXXX has no website, no contact information and they never sent me a receipt of my order. This company should also be investigated for scamming customers out of their orders and not providing a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 without 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 fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 abusing consumers .This 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 60days 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 21 times. transunion 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 im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-01 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 without 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 XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This 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 60days 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 21 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 im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
XXXX XXXX is using collection at law inc. A.p.c./ XXXX XXXX XXXX XXXX bar # XXXX ) to sue me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX injury, and 2 forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines, zero returned calls, constant denied extensions and offers. They offered to settle in 2019 for 12500, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for 18k which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of 12500 or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX, having severe XXXX XXXXwice, 2 relocations in XXXX years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion and neglect during covid that this bank and lawyer have shown is inexcusable and this cas should be thrown out completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.

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 2022-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
Specialized Loan Sevicing ParXXXX of the XXXX XXXX is has committed identity theft and attempting to commit fraud. They are trying to collect on note that has been paid for. They have not verified any proof by sending me a certified accounting/true bill of what they claim they are entitled to. I never subjected myself with a contract with the company. I will be filing a local police report of attempted identity theft and fraud. 

UCC 1-308 All Rights Reserved, w/o Prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: IL

Complaint narrative:
I signed a financing agreement with Mosaic funding the installation for a door and window for {$8100.00} with XXXX by XXXX. I signed the agreement on XX/XX/XXXX and XXXX percent ( {$2400.00} ) of the loan balance was transfer to XXXX  by XXXX, located at XXXX XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/XXXX. I was told before I signed the loan papers that I would have XXXX months of interest free payment to repay the loan after installation. Today is XX/XX/XXXX and I have not received the window and door that I contracted for. Mosaic started taking funds out of my account on XX/XX/XXXX, even though I have not received the door and window. It was unclear to me that the interest free period began the day after signing the document, even though I had not received any consideration for the door and window not being received and installed. Mosaic is still requiring me to repay the loan despite receiving nothing. I think it is unreasonable and consumer fraud to require someone to make payment on something they have not received. Second the agreement with Mosaic and XXXX by XXXX agreement has a material affect on my agreement with Mosaic however I would not made aware that XXXX would receive XXXX percent the loan amount the next day after signing the agreement with Mosaic, and the interest free period would begin the day I signed the agreement without any work being performed. I feel it is an injustice for payment to be required on XX/XX/XXXX when no work has been completed. To make matters worst, Mosaic sent my account to a collection agency two weeks have the XX/XX/XXXX payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Portfolio, Inc.
State: CA

Complaint narrative:
I received a collection on a debt from Accelerated Portfolio Inc for a debt they said I owed. I disputed the debt with the debt collector asking for additional information confirming it was my debt. I dont recall hearing back from that debt collector. Months hater I receive a letter from another debt collector for the same debt but this debt collector added the debt to my credit report without allowing me to dispute with them. They are saying they are collecting a debt I owe to Accelerated Portfolio Inc. I dont have a debt with Accelerated Portfolio Inc and this shouldve never been added to my credit report as a collection without allowing me to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates is reporting XXXX accounts to XXXX, XXXX, and XXXX that does not belong to me! Earlier last year I contacted the XXXX bureaus, informing the about XXXX debts on my reports in the amounts of {$540.00} and {$670.00}. No action has taken place. 

Pursuant to 15 USC 1692g they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SinglePoint GI
State: NY

Complaint narrative:
Other family member, whom I do not reside with, an employer, who is no longer my employer and myself are getting calls constantly from General Revenue about my student loans. They don't ever send anything to in writing, just phone calls/voicemails. They claim they are a collection agency and are trying to collect a debt. I have filed for a forbearance and was approved back in XXXX well before the pandemic hit. Then the pandemic happened and that put a hold on all student loan payments. So I have the forbearance and student loan freeze both still intact yet General Revenue won't stop calling and harassing that I owe them and must make payments. They even insinuated that they could take legal action if I don't pay. They go as far as calling multiple times within a 24 hour period on my personal cell phone. My ex employer has repeatedly told them I don't work there and yet this company still calls her. All of my students loans show active, in good standing and on time. It does not show anything about being in collections. I also have never received any correspondence from the loan servicing company about sending my account to collections. They have only sent ways to help reduce my payments or offer relief once the freeze is lifted in XX/XX/XXXX. I need this harassment to stop!!!

Company response to consumer: Closed with explanation