vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: TX

Complaint narrative:
on this date company opened a collection account : ENHANCED RECOVERY COMPAN {$740.00} ( XX/XX/2021 ) & {$420.00} ( XX/XX/2021 ) I have never written any written document saying that i owe debt to the collector. 
They are violating my rigths of the FCRA as a consumer. 


i do not know who they are and have not written consent from my end. 

Also, they have NOT verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 non-monetary relief
Consumer complaint received 2022-06-13 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: VA

Complaint narrative:
Upon further review of my credit report all of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has several violations. Ranging from incorrect open dates to incorrect information. This is ground for removal and they also violated my rights under 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

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 2022-06-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In Accordance to the fair credit reporting act Navy Federal account number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

I have also discussed with the company my hardships due to covid-19 and we agreed on a plan and Navy Federal still reported my information improperly without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
Ive been contacting Transunion for years about this XXXX XXXX  and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Transunion that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Transunion refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Transunion correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.

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 2022-06-13 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: OLD NATIONAL BANCORP
State: CO

Complaint narrative:
XXXX XXXX XXXX  transferred my mortgage to Old National despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, Old National is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

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 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SEC. 4021. CREDIT PROTECTION DURING COVID19. 
Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SE

C. 4021. CREDIT PROTECTION DURING COVID19. Section 623
( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In 2019 I became delinquent on my mortgage payments, about 3-4 payments in default. My mortgage lender, Shellpoint Mortgage, offered me a loan modification that would take my delinquent payments that were due and add them to the rears. I was assigned a mortgage assistant name XXXX XXXX to assist me in getting the loan modification. My wife and I sent in the application and all the required info. We were preapproved and were waiting for final approval. XXXX XXXX indicated to us that everything would be okay and we would ne approved. One month later we were denied and Shellpoint immediately filed for foreclosure. We filed for XXXX  XXXX to avoid foreclosure. We began making monthly payments to the bankruptcy trustee an Shellpoint Mortgage again. I was later informed by Shellpoint that because I was in bankruptcy they were no longer trying to collect a debt via monthly payments. We discontinued making mortgage payments but continued making bankruptcy payments to the trustee. Months later my bankruptcy payments increased and the atty advised me to cancel and refill for XXXX  XXXX. Shellpoint then notified me and my atty  I was 17 payments behind and again filed for foreclosure. I refiled again for XXXX  XXXX to avoid foreclosure. My mortgage loan balance went from {$170000.00} to {$210000.00}. I applied again for loan modification as per by Atty  advice to lower my monthly bankruptcy trustee payments. Again I sent all required documents and application to Shellpoint Mortgage, months ago. Theyre intentionally not responding to my application and keep asking for information Ive already sent them. They weeks to respond and by that time everything I sent them needs updating. I tried finding another lender but Shellpoint is reporting to the credit bureaus that Im in foreclure. I need your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/22 I received a text message from Huntington Bank stating that my account had been XXXX and included a link to " restore '' the account. 
The text came from XXXX The link is to : https : //huntington.comXXXX I do NOT have any accounts with this bank. 
I have not clicked on the link and will block the phone number the text came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MA

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following inquiries be verified or removed immediately : 1.The following inquiry is not mine XXXX XXXX  Please remove it from my credit report. 
2.The following inquiry is not mine XXXX XXXX  Please remove it from my credit report. 
3.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX  XXXX Please remove it from my credit report. 
5.The following inquiry is not mine XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
7.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
8.The following inquiry is not mine XXXX Please remove it from my credit report. 
9.The following inquiry is not mine XXXX  Please remove it from my credit report. 

( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C.

1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative 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 information. However, such information shall not include specific 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.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
On XX/XX/22 I purchased a Vanilla Gift Card at XXXX XXXX and loaded {$500.00} on it. When I got home, I called to check the balance on the card, and it had a zero balance right out of the package. Two purchases were made ( not by me ) on the card to a company called XXXX which I can't find any info on. One purchase was for XXXX and one for XXXX which adds up to XXXX. I've spent a month with Vanilla trying to get this resolved with no results. Someone stole my XXXX and someome needs to be held accountable. Please help if you can. Sincerely, XXXX XXXX XXXX. My account with Vanilla is under my nick name, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had my auto insurance and renters insurance paid directly from my checking account. Beginning month of XX/XX/2022 both account we're paid by my bank. I was able to see bill was paid on both sides. After that my auto insurance payment went back into my checking account. Then on XX/XX/2022 I had a pre-authorization charge for XXXX rental car for {$1200.00}. The ticket was closed out and the amount owed was a little over {$1400.00} a few. My account was of course charge that amount which put me in the negative of {$1400.00}. Now there's a {$1300.00} dispute I have with a merchant that refuses to respond to me and refuses to respond to me or my bank. Was looking under the app of that merchants in noticed today that I I'm at a zero balance and not seeing money in my bank account, why? Also my bank doesn't even have record of some of these transactions and isn't able to give me any answers to my questions.

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 2022-06-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act- XXXX, Eqiufax and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act- Experian, XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I checked my XXXX XXXX account and saw a collection from Aargon Agency Inc for {$1600.00}. I have no idea what this is for and they have not sent me anything stating what the debt is. I need this collections to be removed from my credit report.

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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

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 2022-06-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXXXXXX XXXX transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

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 2022-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Moneytree Inc
State: CA

Complaint narrative:
I updated my bank account to XXXX XXXX XXXXXXXX checking account, I updated the account with them and let them know I no longer got XXXX  and they send the money to the wrong account I asked them to stop the transfer I spoke to the service representative and they say nothing cant be done. So I am upset that they refused to stop the transfer and even after telling them that I now bank with XXXX  XXXX they send the money to the wrong account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation