vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
DEBT AMOUNT : {$1300.00} I want this company ( LVNV FUNDING, LLC ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX XXXX 2.Proof of my identity 3.Proof that LVNV FUNDING, LLC owns this debt or the Contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports. 
Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently XXXX with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the XXXX data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent in dispute to each credit bureaus. When I received my credit reports I seen a few names and address that I don't recognize. When you look into my account, please be sure to make sure all information is accurate.

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 2022-08-11 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: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
In XX/XX/XXXX, I became aware of an old utility bill debt I had from XXXX. The debt was from XXXX XXXX XXXX XXXX XXXX and was being collected by the Collection Bureau of America. On XX/XX/XXXX, I paid Collection Bureau of America the full balance owed of {$1700.00} ( see attachment ). The agency agreed to completely delete the collections account when payment in full was made. I satisfied that on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: KY

Complaint narrative:
XX/XX/2021 I have two inquires for a home refinance ; according to your rules this was refinance 0n my current home and they happen in the 45 day window I should only have one inquirey.. 

Companies involved 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: NJ

Complaint narrative:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.

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 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I would like to make a lump sum payment of $ XXXX $ XXXX and recast the loan. Asked Planet Home Lending on XX/XX/2022 through email. Since than, send 3 more emails to follow up. Each time they said they forwarded my requested to related party/department and waiting answer. 
I have a feeling that they are doing this intentionally and causing me to loose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has been a nightmare- incompetent stuff and their online systems does not work. It has been months that i am trying to get ride of them- and i am so frustrated that i just want to cry. I opened a credit card from the get go i was not able to sign up the card, login and monitor or pay my bills, when i called to resolve the issue, they needed to verify identity which would be through sending a text message- but of course their stupid system doesnt work- the next option was to send a letter in mail which took months, everytime i call i am on the phone for an hr, eventually i heard that verification was never sent in the mail, at this point since i had lost the credit card, they told my account was locked and not able to pay the bill through the phone- long story short, they brought my credit score down by XXXX numbers- wasted HOURS AND HOURS of my time- and even after i finally paid the full amount and closed the account, the card was still charged by some unknown online merchandise, so they charged the closed account for {$70.00} late fee, i called back again and now they want me to go through the process of verifying my identity through mail AGAIN. I just cant handle it anymore!!! It is beyond frustrating!!!

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 2022-08-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: IL

Complaint narrative:
I received a notice from NES OHIO on XXXX XX/XX/2022. This notice states NES of OHIO is a debt collector. The notice states it's a " debt I owe to XXXX XXXX XXXX XXXX  '' in the amount of {$14000.00}. 

I have never taken any loan in this amount with neither of the above agencies. This is more than likely a fraudulent account or someone sending a letter from a fake entity trying to get personal information from me. I contacted them twice in the week of 9 XX/XX/2022 trying to gain information regarding this. Once I spoke to an operator, they demanded that I provide my full social security number. I refused and that operator stated she will not help me further and abruptly disconnected the phone call while I was speaking. 
This very frustrating and taxing to deal with please assist 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 explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
I called FedLoan on XX/XX/XXXX to request a customized letter I could provide to the XXXX XXXX XXXX XXXX XXXX  regarding the XXXX Student Loan Debt Relief Tax Credit, which I received in XXXX. Under Maryland law, I am required to provide proof of payment in the amount of $XXXX, which occurred on XXXX. XXXX  and FedLoan staff informed me that I could request a customized letter in response to CFPB complaint XXXX and over the phone, respectively. When I initially spoke to XXXX (employee ID XXXX), he told me I'd receive a customized letter with my name, lenders name, date of payment, and payment amount in 7-10 business days. Instead, I immediately received information from my XXXX  1098 in email format, which was never requested. I immediately called FedLoan Servicing back and XXXX transferred me to XXXX (employee ID XXXX. I informed XXXX that the email I received from FedLoan was not what was requested and that I needed a customized letter instead. I informed her that a XXXX  tax year 1098 was not acceptable. i informed her that XXXX  requires a document with my name, lenders name, payment amount, and payment date. XXXX informed me that I would receive a customized letter within 7-10 business days. As ofXX/XX/XXXX, I have not received a customized letter for me to provide to XXXX. I called FedLoan Servicing on XX/XX/XXXX at approx. XXXX XXXX and spoke with XXXX (employee ID XXXX). I let XXXX know that I was expecting a customized letter for XXXX  with my name, lenders name, payment date, and payment amount. XXXX  pulled up my account and saw that a letter was sent on XX/XX/XXXX and I incorrectly informed her this was inaccurate because I received my 1098 information on XX/XX/XXXXand requested a customized letter immediately afterwards. It turns out on XXXX XXXX, I did receive a document entitled "Tax Info Interest Paid This Year", however the title of this letter is inaccurate and misleading as it is interest from XXXX  and does not fulfill XXXX  requirements. Again, this was not the document I requested. Upon further research, XXXX determined that there was no request for a customized letter in FedLoan Servicing's system, only a request for a 1098. As such, I had to re-request a customized letter from XXXX  on XX/XX/XXXX. I informed XXXX  that the letter requires my name, lenders name, payment amount, and payment date regarding my payment on XX/XX/XXXX. XXXX informed me due to FedLoan's mistake that the correct customized letter with the information I require for XXXX will be sent to me within 48 hours of the completion of our phone call.  I've attached a summary of my calls to FedLoan Servicing as well as the incorrect letters and prior complaint for further reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
Homeowners assistant funds has sent a bulk payments to my lender on XX/XX/2022. It's now XX/XX/XXXX and they still have not apied payment to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX  was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX XXXX ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: LA

Complaint narrative:
The monthly payments are automatically debited from my checking account. I have proof that I've made the monthly payments. The most recent statement effective XX/XX/2022 shows that my mortgage loan is {$13000.00} past due. The mortgage was transferred from XXXX XXXX XXXX to Selene Finance LP on XX/XX/2022. 

I sent proof that the payments were made by sending XX/XX/2022- XX/XX/2022 bank statements to indicate that the payments were automatically taken out of my account. The information was sent to them certified, return receipt requested. It was sent to them on XX/XX/XXXX or XXXX. The postal worker stated that Selene would receive it by XX/XX/XXXX. It is now XX/XX/XXXX and supposedly no one has received it. 

I need IMMEDIATE help to resolve this issue. After a phone call with the new servicer she is now saying that it was for months before because she miraculously show that the XXXX - XX/XX/2022 payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: LA

Complaint narrative:
Equifax has admitted that it officially sent lenders incorrect credit scores for millions of consumers. I, as a consumer was in fact was effected by this careless behavior. Congress has made it abundantly clear that you have ASSUMED the vital role of assembling and evaluating consumer credit and other info on consumers. I never gave you my written consumer consent to take this action, which violated my right to privacy an even worse means your company broke federal law! There is a need for your corporation to exercise your grave responsibility with fairness, impartiality, and a respect for my right to privacy. Your recent admission of wrongdoing does not show fairness, was impartial, and completely disrespects my right to privacy as a natural person. You had no permissible purpose to furnish any of my information in the first place because I did not give you my oral or written instruction pursuant to Federal law. Furthermore, this behavior also goes against your own Data Sharing Policy, specifically on Page 3 under Consent. 

Items to be removed : Personal Information 1. XXXX XXXX XXXX, XXXX XXXX, La. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, La. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, La. XXXX Accounts : XXXX. XXXX XXXX XXXX account beginning in XXXX XXXX. XXXX XXXX XXXX XXXX Inquiries : XXXX. XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX previous CFPB Complaint Number XXXX See previous FTC Report Number : XXXX for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.

Paypal say they will limit my account if I don't verify my information so, I verify my PayPal using my id, and a couple of hours later my account is suspended for 180 day. 
I'm a video editor and I use paypal as my payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The uploaded letter does not shows and download properly on my complaints submitted minutes ago : XXXX and XXXX to Trans Union and XXXX XXXX XXXX XXXX XXXX 

Because this letter received from XXXX XXXX attorney is the main proof I have right now, I have to be sure it is clearly seen and properly uploaded here at the C.F.P.B so I have no choice but submitting this new complaint to correct this.

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 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently XXXX with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the XXXX data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.

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 2022-08-11 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: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently pregnant with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the equifax data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XX/XX/2022 I spoke with XXXX at XXXX. He confirmed that there was no signed contracted with my signature, but he will send me a letter of what's owed. I told him, I'm completely covered by medical insurance and has NEVER done ANY business with ARS ACCOUNT SOLUTIONS which comes off deceptive with the name also listed as ACR XXXX XXXX XXXX XXXX XXXX  on my credit report, this was my reasoning for calling. XXXX also confirmed the amount owed as {$2000.00}! When I realized I was speaking to a debt collector, I immediately told XXXX I would be making a complaint to Consumer Financial Protection Bureau and we both ended the call. 

I want this company ( ARS ACCOUNT RESOLUTION ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 2.Proof of my identity 3.Proof that ARS ACCOUNT RESOULTIONS owns this debt or the Contract giving you power to collect. 
4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports.

Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature

Company response to consumer: Closed with explanation