vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 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:
This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.

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 2023-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
This description is an amendment to complaint XXXX. The case was incorrectly closed. The responding bank USAA responded to my complaint but did not resolve it, despite my twice following up per their instructions in order to remedy the matter. In addition to the information already contained within complaint XXXX, I submit the following : On XX/XX/2022, I filed an XXXX complaint and generated case # XXXX. 
In response to the complaint, on XX/XX/XXXX I received a phone call from USAA representative XXXX XXXX who identified herself as calling from the CEOs office. XXXX XXXX explained that in order to attempt to resolve the matter described in case # XXXX, USAA required a letter of indemnity from the sending bank XXXX. I spoke with XXXX XXXX  which agreed to send a letter of indemnity but advised that they required a formal request from USAA to do so. I left two messages for XXXX XXXX at USAA on XX/XX/XXXX and XX/XX/2022 explaining next steps. I received no response to either message. No request for a letter of indemnity has been made by USAA to XXXX and the matter remains unresolved due to USAAs inaction. USAA has to date made no effort to retrieve the funds from the wrong recipient. I am asking that USAA submit a formal request to XXXX for a letter of indemnity to seek resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I have filed seven mortgage hardship applications the latest was XX/XX/XXXX. Flagstar bank has closed each application after I have submitted all documentation required. I have been attempting to get assistance with processing my application since the initial filing of hardship paperwork in XX/XX/XXXX. Each time I have called they have assured me the foreclosure process is not continuing, however I continue to receive foreclosure procedures and paperwork from their foreclosure attorney submitting motions to continue to foreclose on my home. I just received a document from attorney XXXX XXXX XXXX XXXX from their address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  Florida XXXX. The paperwork I received from this attorney showed a motion to immediately foreclose on my home. I have researched Flagstar bank and found they have been liable in the past as earliest as XXXX and fined for the same exact thing thats occurring with me. They will not return my calls, and half the time I call them they say they can not talk to me and hang up on me. I do not know what else to do besides turning to the CFPB. This is not right. I have filed multiple hardship assistance packets and they closed all seven of them. Please help. They are not working with me and they are not processing my documents while stating they are and at the same time an attorney is filing motions in the court to foreclose on my home. Urgent help is needed. The y told me to upload my HOA fees and they would complete and process my loan hardship application and proceed with options to keep my home, I uploaded it on in XXXX they again closed my file. 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 2023-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I sent a payment in the amount of {$100.00} to XXXX XXXX, and it cleared my bank on XX/XX/2023 but was not credited properly to the account balance. The balance before I made " that payment '' was {$840.00}, and on top of that I Paid {$40.00} on the XXXX of XXXX, 2023. I called to speak to someone about it and all I got was rude representatives ( x3 ), one could not speak American English too well and the other two were just rude and not very customer friendly, so the communication ended without getting a resolution. There are two charges mad eon the XXXX and XXXX, but that was before I made the {$100.00} payment on the XXXX of XXXX, 2023 so my balance should be {$740.00} not {$840.00}. I could not discuss it with the reps cause they were not too customer friendly/oriented, etc. when I made the {$100.00} payment my balance was {$840.00} and that was " AFTER '' the charges made on XX/XX/XXXX and XXXX. I know American consumers have the right to discuss their account with financial institutions and have a right to be informed and their accounts be properly credited when payments are made outwith being treated with contempt and rudeness by the financial institutions agents ... ......

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 2023-02-20 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: NY

Complaint narrative:
I NEVER GAVE ANY OF THESE INSTITUTIONS CONSENT TO FURNISH ANY OF THE REFERENCED ITEMS IN ATTACHMENT ON MY BEHALF

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 2023-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
I received medical care at XXXX XXXX XXXX in XXXX, UT, in XX/XX/XXXX. In XX/XX/XXXX, I received a call from The Cherrington Firm, a debt collection agency to pay for this service. XXXX never contacted me and I assumed my insurance paid for the visit. I paid The Cherrington Firm and thought that was the end of it ( I have the receipt ). On XX/XX/XXXX -- one year later -- my wife received a call from the Cherrington Firm saying that I had to pay a medical bill from XXXX XXXX XXXX. I called them back and their collections agent said they had been trying to contact me since XXXX of XXXX. She said she had called my wife multiple times since XXXX and sent many letters that got sent back. They were sending letters to an address that I've never been associated with in a city where I've never lived. I checked my wife 's phone records and she did not receive a call from them until XX/XX/XXXX. When I asked them for documentation to prove that I owed the debt, they responded saying it was past the statute of limitations and that they did not have to provide that information. On XX/XX/XXXX, they sent a letter saying that I had until XX/XX/XXXX to respond before proceeding. I disputed it online later that week. However, they called me on XX/XX/XXXX to say that they were moving forward and that it was too late to dispute the debt ( despite the fact that I had already disputed it at this point ). To summarize, they : XXXX ) Tried to collect on a bill I already paid. XXXX ) Refused to provide information proving I owed a debt. XXXX ) Lied about trying to contact me ( no calls on phone record and sent letters to phony address in deliberate attempt to drive up interest ). XXXX ) Lied about the deadline for moving it to their legal team.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX Bank, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, 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 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Got an e-mail in XX/XX/XXXX about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I googled to see if others have had this happen and saw someone referred to CFPB. I then went to the CPFB to file a complaint. They received the complaint. Bank of America responded saying the account was closed on XX/XX/XXXX. Well I received a bank statement again dated XX/XX/XXXX. I am filing another complaint due to the fact they did not do what they said they would do and have in fact done nothing.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX       XXXX

SHOWS ON EXPERIAN AND XXXX:
-XXXX  XXXX XXXX XXXX
-XXXX XXXX XXXX XXXX
-XXXX XXXX XXXX XXXX
ONLY SHOWS ON EXPERIAN
-XXXX XXXX XXXX
ONLY SHOWS ON XXXX: 
US DEPT ED
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 2023-02-19 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported a XXXX bill to my credit report as a collection account. 
I have asked numerous times for proof of the debt and they refuse to give me proof. 
They only produced a letter with the original creditors name and an account number that does not exist. 
I have disputed with the credit bureaus and in less than twenty four hours they just come back with that they " certified '' the debt was accurate. Yet I HAVE NO PROOF! 
I HAVE NEVER HAD A XXXX  ACCOUNT!! 
They refuse to remove from my credit report. This is not my debt!!

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 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
XXXX report was paid for to XXXX and XXXX paid a third-party vendor to conduct the appraisal. The appraisal was completed on the XXXX of XXXX after being ordered on XX/XX/XXXX. The team at XXXX refuses to release the appraisal report to me despite multiple attempts to do so, including phone calls, live chats, and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: OH

Complaint narrative:
I noticed inaccurate and incomplete items on my credit report that caused me to be depressed and unable to have a great reputation with the banking system. I need all unauthorized accounts removed and all incorrect late payments ( im never late ) updated immediately. The unauthorized accounts on my credit report are not related to any transaction that I made. I am alleging that a person or company used my personal identifying information to apply for goods/services/money without my authorization. I did not engage in any legal contract with any of these parties listed. Also, I have tried getting this matter resolved over 30 days ago and I still haven't heard anything from the credit reporting agencies. I know that they must investigate but they didn't!

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