vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are some accounts on my report I do not recognize

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
Today XX/XX/2021 I noticed an unauthorized collection on my consumer report first reported XX/XX/2021 from a XXXX  bill Ive never had nor gave consent for anyone to open I would be delighted if I could be helped with this matter resulting in account deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX

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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Hello, I called Flagstar Bank on XX/XX/2021 to start my Loss Mitigation process to start making my monthly payments after loss of income due to COVID19. I spoke with an agent in the loss mitigation department that provided the information to do two options : a streamline or loss mitigation application. I informed the agent that I wanted to do a LOSS MITIGATION APPLICATION and did not want to do a streamline modification. The agent said she would mail the loss mitigation application or I could print it off online and complete and mail/fax back. I followed up after two weeks to see if my application was received. The agent stated to call back in 2 weeks because it would take 4 weeks. This went on for all XXXX, XXXX, XXXX, XXXX, XXXX to XX/XX/2021!!!!!! Every month I called and was told by EACH agent in the loss mitigation team that underwriting was still reviewing my loss mitigation application!! Until I spoke to an agent that informed me on XX/XX/2021, that the loss mitigation application was closed in XXXX and the agent submitted a streamline modification in error and then submitted approval to extend my forbearance for three additional months. Which is NOT what I had asked for since XX/XX/XXXX. This agent advised that she would send me the application to complete the loss mitigation application and submit it back. I completed the forms and submitted and called every four days to confirm all documents were submitted correctly and was told I needed to send a letter stating that I do not have additional earned income and tax statements. Today ( XXXX ), I called because I received an XXXX overnight letter from Flagstar stating THEY APPROVED ME FOR ANOTHER STREAMLINE MODIFICATION!!!!!!!! I called and spoke with three agents and a supervisor and was told this was done in error and that he would close the streamline modification and would reopen the loss mitigation application again. That it would take up to four business days. They continued to give me the run around and prevent me from making repayments and making my account current. The streamline amount is MORE than my current monthly payment!!!! Which is why I need the loss mitigation application to be submitted. I need help to resolve this. A call back ASAP!!

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Received letter from credit corp solutions from a XXXX  debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with XXXX  as requested by cc company. This debt was identify theft and already resolved a while back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I applied for Hancock whitney online checking account opening process. Initiated a deposit of {$51.00} to have this process kick started. Today I got a call and then an email to send the photo id by email. Gentleman stated that application got stuck in the system. I sent the DL scanned copy. After few minutes- got an email with how to access the account online. I already uploaded the photo id by online application process. 

Step 1 : You'll be able to log in the day after opening your account. Download the Hancock Whitney mobile app on your smart device.

For Online Banking, go to hancockwhitney.com and use the Personal Online Banking option from the drop down menu. 

Step 2 : Log in with your initial credentials below : User ID : first and last initial + 8 digit DOB ( i.e. XXXX ) Initial Password : " Go '' plus the last six ( 6 ) digits of your social security number ( i.e. XXXX ) None of this worked. 
Called XXXX at XXXX XXXX  and was talking to XXXX. She got all the information about me, Social security number, date of birth, can verify me by sending the text message to my registered phone. But still I can not login and get my account number and routing number. She told me due to security reasons she can't provide me this. 

It seems that this bank- Hancock Whitney is not at all organized and all the parts are broken. Worst thing- they have the customer facing employees like XXXX who are thinking that they are doing a favor to the customers by working in this bank. Hancock Whitney must accept that their systems are not working and report it to the customers ( website and automate calls ) rather than be so coward and shameless not to admit and acknowledge that any problem exists.

Moreover if the online system doesn't work- there are alternative ways to serve the customers rather than having sorry face.

It's a chicken and egg situation - customer service won't provide the account number and without account number, customer like me can not have the online access. Shame on Hancock Whitney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC
State: PA

Complaint narrative:
My mother and I were contacted on XX/XX/XXXX, by a woman named XXXX who claimed to be from a legal agency and stated that I had been given a payday loan in XXXX and that I had defaulted on the loan and that I would need legal representation because I would be taken to court if I did not agree to a settlement or pay off the loan amount. I called XXXX at ( XXXX ) XXXX and she claimed to be working on behalf of a loan agency/creditor who claimed that I had defaulted on the loan and was in breach of contract, and that I would be taken to court if I did not pay the total amount of {$1400.00} or agree to a {$500.00} payout paid in {$250.00} installments. Sunset Solutions Group LLC emailed me a XXXX document, which I was forced to sign under duress and afraid. On XX/XX/XXXX, I received an email from XXXX XXXX, who described herself as XXXX 's new payment processor and informed me of a new contact number for my payment. The phone number to call is XXXX, as indicated in the email. I've kept track of the emails from them at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was charged {$180.00} on my Best Buy credit/Citi Bank on XX/XX/2021 that I did not make. I had a XXXX balance on my account since XX/XX/2021 and I had not purchased anything on this account. I called the Best Buy store XXXX XXXX XXXX to dispute these charges in XX/XX/2021 they told me that it was a renewal for Best Buy Tech support. I told them that I canceled this renewal in XX/XX/2021 at the Best Buy store in XXXX at the customer service Desk and the XXXX XXXX desk . I have complained to several customer service representative since XXXX and to Citi Bank. On XXXXXXXX XXXX I called the Best Buy store to ask for a XXXX to dispute these charges again and was told there was none available and that someone would call me back. no one called me back so I called again and I talked with XXXX XXXX. # XXXX She said that she saw where I had cancelled the tech support, so she issued me the refund but for only {$150.00} with a remaining balance of {$65.00}. I told her that I was not satisfied with this and she told a XXXX would call me within five days. On XX/XX/XXXXXXXX XXXX I called back to the Best Buy store in XXXX to speak to a XXXX, I talked with Miles who couldn't help me, then I talked to XXXX and he put me on hold and then hung up on me, I called back and talked to XXXX who was in the XXXX, I hung up and I called the Best Buy store in XXXX again and spoke to XXXX  and was put on hold for over a hour finally I hung up and called the Citi Bank for Best Buy and talked to XXXX who connected me back to Best Buy in XXXX and I talked to XXXX in the XXXX XXXX billing about the fraudulent charges to my account, she told me that they could only give me the {$150.00} credit to my account. I asked for my account to be closed at that time on XX/XX/2021 and asked for a XXXX and was never connected to one after being on hold for hours. I reported these fraudulent charges to all three of the credit bureaus and that still didn't resolve the fraudulent charges on my account or my credit report. I am still receiving bills for this fraudulent charges and Citi bank/Best Buy is not trying to help me with this dispute.

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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Financial Institution ( PHH ) offered a new modification XX/XX/XXXX, after a year & a half struggle to get my house refinanced. Was end of term on loan & PHH would not work with me on payments, which caused my credit score to go down & PHH was adding monthly fees & interest- my credit score ensured that no other finance institutions would work with me. When new modification was finally achieved, all delinquencies should have been removed & since then, all my payments have been on time - the first few, I had to mail & remaining payments have been done via phone. A delinquency of 180 days is still showing up on my credit report for PHH, which is keeping my credit score from going back up. I am disputing this here, as this is WRONG information & is indeed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Received letter from XXXX XXXX XXXX from a paypal debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with paypal as requested by cc company. This debt was identify theft and already resolved a while back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX, on behalf of Plaza Services Inc, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about XXXX or that he was called on behalf of Plaza Services. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved. 

XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( Plaza ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " XXXX '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to XXXX ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me. 

After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and XXXX ' director all took place on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My letter below to TransUnion describes the problem I am having with them. They are not critically looking at the merits of the information provided by a collection agency. They are just " checking the boxes ''. 

-- -- TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
XXXX, PA XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madame : I am XXXX XXXX and this in reference to TransUnion file number : XXXX I am writing to request that incorrect derogatory information on my TransUnion credit report be immediately removed from your reporting. 

This is regarding information that was provided to TransUnion by a collection agency named XXXX XXXX XXXX, # XXXX Over the course of the last couple of months I have used your online dispute resolution process twice and your call-in process once. Both have had unsatisfactory results. 

Each time, TransUnion responded to my dispute request by stating, in a form letter, that the information provided by the collection agency, such as my name and address, was accurate. This collection agency apparently did provide some document showing me as a debtor. 

What I really need TransUnion to understand is that : I did NOT enter into a debt arrangement with this collection agency, or the organization they represent. The organization they are representing is a former employer that is attempting to use the credit agency process to claw back compensation paid to me. 

This is NOT a debt issue, if anything it is a contract issue, and the reporting agency should take legal action if they believe they are justified in doing so. TransUnion is not able to pass legal judgement on a contract dispute. 

I need TransUnion to do more than check the boxes here as it is my credit record that is being adversely impacted without justification. 



Regards, 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 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX I sent a letter to Transworld requesting validation of 2 accounts listed on my credit reports. I have not recieved any correspondence from them. I also disputed the account with the credit bureaus and the account is still appearing on my credit report. These accounts have not been validated and by law need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX  {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation