vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
Citizenone 's website and apps intentionally misleading on balances due and time period for them. 

Eg. Not showing due dates and allowing balances to roll into eachout without notifying of past due balance. This way it appears to be all XXXX up to date balance. 

This resulted in fees and credit report stain on an otherwise flawless payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
There is an account on my credit report in the name of MIDLAND CREDIT MANAGEMENT with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I already send few times complaint to you and you still posting this account on my name! I have no idea where is came from and who applied for it. Im sure that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc
State: IL

Complaint narrative:
Eastpoint Recovery Group , Inc informed me via letter dated XX/XX/2021, that an alleged debt had been sold to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by XXXX XXXX XXXX fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: SC

Complaint narrative:
Balance updated XX/XX/XXXX, Date opened XX/XX/XXXX, {$14000.00} - CHILD SUPPORT XXXX XXXX DID NOT GET MY PERMISSION TO REPORT THIS ACCOUNT ON MY XXXX REPORT. I DID NOT GIVE WRITTEN CONSENT TO CHILD SUPPORT XXXX XXXX TO PUT THIS ACCOUNT ON MY CREDIT REPORT. CHILD SUPPORT XXXX XXXX DID NOT GET A COURT ORDER OR JUDGEMENT TO REPORT THIS TO EXPERIAN. CHILD SUPPORT MUST PROVIDE PROOF THAT I OR THE COURT GAVE THEM PERMISSION TO REPORT THIS ACCOUNT ON MY EXPERIAN CREDIT REPORT. I HAVE DISPUTE THIS INACCURATE ACCOUNT SEVERAL TIMES AND IT COMES BACK VERIFIED WITHOUT ANY PROOF! THIS IS A VIOLATION OF THE F.C.R.A. Under 15 u.s. code 1681 be permissible purposes of consumer reports. I never gave you any written consent to report anything on my XXXX XXXX no consent is identity theft. 

Under 15 USC 1681 i ( 7 ) method of verification this account is in violation it was reported without valid evidence Under 15 u.s. code 1681e ( b ) And 15 u.s. code 1681i ( 5 ) this account is in violation not reporting 100 % accurate it list of XXXX XXXX XXXX as the furniture that's forgery and misleading with the courts because the courts don't report this type of account

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 2021-12-03 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: AL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent  name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a XXXX XXXX name XXXX and XXXX and XXXX from the XXXX XXXX  I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Company : NewRez My loan was transferred to NewRez Mortgage servicing in XX/XX/XXXX. The loan was originated by XXXX I pay my own taxes and homeowners insurance directly and it was never part of my mortgage. Starting with my XX/XX/XXXX statement NewRez started charging me for taxes on my mortgage monthly statement. 

I immediately called NewRez and had an extensive conversation with them regarding the discrepancy. They asked me to send over proof of payment of taxes along with a letter from myself stating that I pay my own taxes. Both the proof of tax payment and letter were sent immediately to NewRez. I was advised that I should continue paying my normal monthly payment which does not include taxes. In order to make this payment I had to do it over the phone with newrez as I would be paying a lower amount than the statement which incorrectly was including my taxes. My correct payment amount = {$1900.00}. This includes principal, interest and PMI. The statement I received for XXXX had my monthly payment = {$2500.00}. I paid the normal amount of XXXX, payment was processed over the phone. 

The following month NewRez sent me a XXXX statement with payment amount = {$3200.00}. They have continued to include tax on my monthly statement even after I have provided proof that my taxes were paid. They simply ignored the fact that I have provided proof of tax payment and continued with adding taxes to my monthly statement. They also carried over an incorrect overdue payment amount from the XXXX statement. On top of all of this they charged me a late fee of XXXX. Another fact I learned from my discussions with NewRez is that they paid my taxes but since it was a duplicate payment ( i already paid them ) they received a tax refund from the taxing authority. NewRez continues to keep taxes on my mortgage payment even after received proof of payment from me and a tax refund from the taxing authority I have contacted NewRez again to resolve the issue. They have stated that they are now requesting escrow analysis on the account and that it could take up to a month to get the result of that analysis. Meanwhile I am receiving incorrect monthly mortgage statements and being assessed late fees for paying my correct monthly amount. 

The fact that I have provided NewRez with tax receipts at the moment the discrepancy was noticed and their failure to to take action on it leads me to believe that there is a high level of incompetence or lack of communication internally with this company. NewRez is placing additional burden and stress on me the consumer to constantly contact them and fix my payment even after I have provided them with necessary proof.

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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
XX/XX/21 See Previous complaint ID : XXXX Contiued issue : Joint account has not been deleted after resonable time as debt collector stated. This account is fraudulent and there is no personal responsibility for this account. This account is in violation of the XXXX ( using any false representation or deceptive means to collect a debt or to obtain information about a 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 2021-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is calling me to ask about my daughter here she is. I get calls from Navient a least XXXX times per day. Navient is calling me my son my ex-husband asking about my Daughter we don't know she is. She has not talked to us for a least XXXX years. How do I spot getting calls from XXXX? This is been going on for about XXXX year. 
Please help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a card with Santander Bank that I use for automatic insurance charges. My last charge went through in XX/XX/XXXX. I forgot to check the card to make payment since I don't use it frequently. Santander did not notify me that I had a balance due on the card until XX/XX/XXXX, 120 days since it's been delinquent. I paid off the balance immediately after being notified for the first time, but I had to do it over the phone because they locked me out of my online banking account. I filed a complaint with the XXXX  and the rep at Santander I'm working with investigated my account, and confirmed that they had made no attempt to contact me about my delinquent card since it entered that status XX/XX/XXXX, until XX/XX/XXXX, which I immediately remedied when but it was the first and only time they contacted me about it. Though they did not make any attempt to make me aware of the charges or collect them, they reported my credit line delinquent to the credit bureau for 120 days. My credit history has been perfect, and my score was above XXXX before this incident. I'm in the process of trying to buy a home, recently ran my credit, and my credit score is now around XXXX. Their failure to notify me about this balance for 120 days is leading to major problem for me, due to the timing of my home purchase, which i'm under contract for, and I fear it may jeopardize it altogether. If Santander can not help me rectify my report, fix my score in a timely matter, I'd like to pursue statutory damages. It seems like failure to notify a person of debt owed is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX XXXX I was charged {$100.00} from XXXX onto my Chime credit card. which I disputed and while it was being investigated XXXX charged me a duplicate unauthorized charge which took place on XX/XX/2021 on my Chime debit card. I immediately disputed this second charge and was given a temporary credit until the completion of the investigation. Which was reversed and funds were deducted from my bank account. 
The third duplicate charge took place on XX/XX/2021, from the same merchant XXXX for exact same amount. Which was also denied. I have called multiple times and emailed requesting the documentation used to reach a decision that charges were indeed made by me, I have asked for a simple receipt to show the origin of charges. I have not received any proof yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021, a person or persons unknown appeared in the SunTrust ( now Truist ) branch on XXXX XXXX XXXX XXXX. in XXXX XXXX XXXX, XXXX, where our accounts are ( we live in XXXX and spend winter months in XXXX ) and fraudulently withdrew {$10000.00} in XXXX transactions. XXXX withdrawal ( evidently by withdrawal slip and NOT a check ) was for {$4500.00} and the other for {$6200.00}. Nobody from the bank informed us about these unusual transactions. We first became aware of this when we received our XXXX statement in XXXX 2021. 

On XX/XX/2021 my wife and I notified Truist about the theft of our funds and their representative stated that an investigation would be commenced. Since that time, a period of more than a XXXX XXXX months XXXX Truist has repeatedly stonewalled us. XXXX XXXX XXXX of Truist, who ignored repeated voicemails and emails, finally responded when I sent an email stating I would turn the matter over to legal counsel. On XX/XX/2021, XXXX XXXX sent an email stating that " we are in the final stage of approving your claim '' and that the case was " nearing full resolution. '' These statements proved to be false, as we never heard anything further from XXXX XXXX, despite follow up email. 

On XX/XX/2021, I sent a XXXX XXXX letter, delivered the following day, to the CEO of Truist, XXXX XXXX XXXX and the XXXX XXXX XXXX, setting forth our claim and our frustrations. On Tuesday XX/XX/XXXX, I received a call from XXXX XXXX ( phonetic? ) of Truist, stating that XXXX XXXX and XXXX XXXX had received my letter and the matter would be " escalated '' and apologizing for how we had been treated. She claimed a check would be sent to us. That hasn't happened and XXXX voicemails to XXXX XXXX left XX/XX/XXXX and XXXX, 2021 have not been returned. 

Truist has teated us abominably. Over {$10000.00} was fraudulently taken from our account and Truist has not only not done anything about it, it has repeatedly refused to communicate with us, ignoring our attempts to find out what is going on.

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX. 2021, I sent via certified mail, correspondence to XXXX XXXXXXXX XXXX. This included an affidavit, exhibits, and remedy demand. In the affidavit included a list of 9 violations that caused damage to me, including : 15 U.S. Code 1692b ( 2 ), violation, XXXX XXXX XXXX XXXX. 

15 U.S. Code 1692c ( a ), violation, taking up my time that could be used for work, to get details on alleged debt. 

15 U.S. Code 1692c ( b ), violation, causing me to increase XXXX XXXX in working harder to improve my credit report.

15 U.S. Code 1692d ( 2 ), violation, XXXX XXXX XXXX.

15 U.S. Code 1692d ( 4 ), violation, having to waste time creating a plan to deal with an alleged debt. 

15 U.S. Code 1692d, violation, causing me to spend necessary money to improve my credit situation. 

15 U.S. Code 1692e ( 2 ) ( A ), violation, XXXX XXXX  
15 U.S. Code 1692e ( 3 ), violation, XXXX XXXX

15 U.S. Code 1692e ( 12 ), violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

See the attached for all details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}

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