vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Debt collection on my credit Report from a world finance. I never had a loan before with this company. I dont know where world finance located. Please help me with this issue. First time seeing this on credit Report. Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On the XXXX of XX/XX/2022 I closed on a XXXX XXXX with XXXX XXXX XXXX XXXX. The address of the property is XXXX XXXX XXXX, XXXX VA XXXX Prior to closing I expressed concerns I had about the structural integrity of the home with both the Lender ( XXXX XXXX XXXX XXXX ) and my real estate agent ( XXXX XXXX of XXXX XXXX ). Both parties assured me repeatedly that the VA had very strict standards about minimum property requirements and would not allow any home with safety or sanitary issues to be approved for a VA homeloan. After being presented with inspection documents saying nothing was found I closed on the home. Immediately following closing and moving in with my family I found that the home was full of mold ( including black mold ), termite damage and water damage. The conservative estimate to make the home safe ( inhabitable ) is {$200000.00}. Based on the property value and the age of the home it is not reasonably savable. 
After finding PROOF that the sellers, both parties real estate agents ( theirs and mine ), the lender and possibly the VA appraiser were all aware of the termite damage - at least. A termite inspection was done and all the damage was found and reported prior to closing which would have prevented the sale going through. A false documented was used at closing and presented to me, signed by the sellers and approved by the lender with no corresponding invoice, at closing saying nothing was found. 

As a result I have had to spend thousands of dollars to document all of this, move my family out of the house to safety, hire attorneys etc. my attorneys have filed a consumer fraud lawsuit and the above named parties are being served. 

I requested a forbearance from the lender in XXXX XXXX XXXX. I also reported all this information directly to the VA Office that overseas the homeloan program. No help has been granted. XXXX XXXX XXXX is very aggressively seeking foreclosure and public auction on the property where I still reside. They have destroyed my credit in the process. My family has separated over the hardship and I am on the verge of becoming a homeless veteran because if they foreclose and evict I have nowhere to go with my animals. I have requested assistance from the Congressmans Office and they referred me to you. The VA keeps telling me they cant help they just write the check for the home.

This is not just consumer fraud this is Federal Fraud committed by the lender and all other parties. The documents used at closing included a receipt from the company that conducted and documented the termite damage but no corresponding report. The report used was by a company that did not conduct a termite inspection or bill for a a termite inspection.

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 2023-01-26 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: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Received a letter from Truist bank stating that I owed XXXX $ for a closed and overdrawn balance on XX/XX/2022. I have never opened an account with Truist. I contacted them, and they requested I fill out this complaint while they investigate

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
My account went into collections. The debt collector is not allow to collect debt in the state of NC. I read that it is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MO

Complaint narrative:
I have proof that the CRAs are not in compliance of 15 U.S. Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The information reported is not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MA

Complaint narrative:
On XX/XX/2023, XXXX erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/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 2023-01-26 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: IL

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and XXXX  and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a XXXX. I want to purchase a house soon and this holding me back.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have gotten several letters from credit cards companies 2 Bank of America, XXXX XXXX  and 7 other credit card inquiries that are fraudulent. I contacted both Bank of America and XXXX XXXX  immediately. I now noticing that Bank of America is on my credit report and that I have over 9 inquiries on my name. I was told to contact the federal trade commission. 

Thank you 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 2023-01-26 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: MO

Complaint narrative:
I have proof that the CRAs are not in compliance of 15 U.S. Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The information reported is not been properly verified.

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

CONVERGENT OUTSOURCING ( XXXX  ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$1900.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
My sister XXXX XXXX informed me that she received a text message from Resurgent Debt Collector that discussed resolving a debt and gave specific amounts due ( image attached ). I have no idea why the message was sent to her. I am not on her phone contract and have never given her number as my own. This is a violation of the practices forbidden by the FDCPA. My privacy rights have been violated and I want all communications with them to be in writing via mail to me since they can't be trusted with personal information via electronic means. I'm sure if this is happening to me, it's happening to others. I recently paid off some debts through them so they do have my correct and current contact information. There was no need to send a message to my sister who does not share my name ( first or last ). How can they send information via text without confirming who the identity of the person receiving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian allowed an inaccurate account to be furnished on my credit report. Experian did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that XXXX XXXX XXXX XXXX XXXX shared or furnished my personal information to another creditor without my CONSENT, which was with the XXXX XXXX XXXX. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my XXXX XXXX decrease significantly and has had an adverse impact on my credit.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2022, my representative, XXXX XXXX XXXX, acting on the basis of power of attorney No. XXXX dated XX/XX/2022, submitted an application for a money transfer on my behalf to XXXX XXXX. The transfer amount was XXXX XXXX dollars. The recipient bank is XXXX XXXX XXXX ( XXXX XXXX ). The recipient is XXXX XXXX XXXX. In other words, the transfer of funds was carried out from the account of XXXX XXXX, opened in XXXX XXXX, to the account of XXXX XXXX, opened in XXXX XXXX XXXX. To date, the funds have not been credited to XXXX. XXXX 's account at XXXX XXXX XXXX. XXXX XXXX engaged CITI BANK N.A. as a correspondent bank to fulfill the order. As mentioned earlier, the order dated XXXX has not been executed to date the funds have not been received by the recipient 's bank XXXX XXXX XXXX. The funds are in the correspondent bank of CITI BANK N.A.. XXXX XXXX. transferred his personal accumulated funds from his account opened with XXXX XXXX to his personal account opened with XXXX XXXX. I believe that CITI BANK N.A. unreasonably withholds my personal funds. Based on the above, we ask : To take measures to identify violations in the actions of CITI BANK N.A.

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 2023-01-26 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: PA

Complaint narrative:
See Attached Document Please. 
Traffic of Documentation Information that is adverse to me. Invasion of Privacy and False Statement.

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 2023-01-26 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: Credit Karma, LLC
State: TN

Complaint narrative:
In 2022 Credit Karma said I was pre-approved for multiple credit cards that I was not approved for therefor causing negative impacts to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: DE

Complaint narrative:
To whom it may concern, I recently applied and received an Edward Jones credit card with the promotional promise of 0 % transfer fee and 0 % interest charge on the first 12 billing cycles. However, on my most recent statement on XX/XX/2023, I saw an interest charge. I contacted customer service on XX/XX/2023 regarding the interest charge and was told that they reverse this month 's interest charge but that they would be charging me interest moving forward. I would like the company to honor the promotion promise of 0 % interest charge on purchases for the first 12 billing cycles.

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 2023-01-26 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: NC

Complaint narrative:
I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : Medical Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$410.00} Fraudulent Account : XXXX XXXX & XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$1800.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$900.00} Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I have disputed the account balance and that I have been late multiple times with both XXXX XXXX and XXXX. XXXX has most recently updated my credit report as of today XX/XX/XXXX to say I am behind XXXX dollars in my mortgage despite this being paid on time ( I paid XXXX 's mortgage on XX/XX/XXXX ). As of today, XXXX is claiming I am behind XXXX dollars and have marked this on my credit report. Prior to my last dispute they had marked that I was late for 2 years consistently! I have ben late in the past a couple of times past 30 days, but nowhere near this amount. I have been current on my mortgage if not paid extra payments for at least the last 6 months. This has ruined my credit ; I am not behind. I have contacted XXXX, and they keep saying they will call me back. The call center agent says they can not see where I owe any money and says I am on time. My statements also reflect that I am current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Citizens XXXX has continued to call me daily, for the last few weeks. This week they have called more than seven times, which is becoming predatory at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
When I initially called Wells Fargo after my purse was stolen on XX/XX/XXXX XXXX, reporting fraud and identity theft, no claim was submitted. I asked the Wells Fargo rep what I should do if my purse was stolen XXXX  license and bank card. They said freeze account, so I did. When checks were cashed fraudulently, the next day I called again and was given claim # and I filed a customer complaint, as the rep I talked to did not do anything to protect my account and they mislead me. They admitted the error and that my account should have been closed. nothing has happened with my claim last Wednesday and the next rep had no record of fraud or a closed account. I filed a new claim has begun Sat the XXXX, after initially reporting claim on the XXXX collections has gotten back to me, but the fraud claims has failed to do so. I have a hard copy of the check submitted and returned fraudulently, persons name is easy to XXXX  and find that they are deceased. A teller called me reporting suspicious activity as this person drove through teller wearing a wig trying to cash a check on my account. Had my account been closed properly or even frozen the checks wouldnt have been put through by this criminal

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 2023-01-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am contacting you in regards to a PayPal Credit account I used to have, which has been closed since 2021. I continue to receive letters that detail 2 charges each month beginning in XX/XX/XXXX : a late fee on the 3rd of each month and an interest charge each month on the XXXX of each month ( compounding each month ). I have spoken to PayPal Credit on numerous occasions, on each of which I have been told that the charges were issued automatically in error, and they refund them. Then, a couple of months later, it starts all over again. I owe nothing to PayPal Credit, the account is closed, and I am prepared to initiate legal recourse at this point. These charges are appearing as an outstanding balance reported to XXXX, thus negatively impacting my credit score. Please help me finalize this ; I am angry and tired of going through this with a different customer service agent each time, only to have the problem recur. At this point when I call PayPal Credit, they can not even locate my information in their system. They say no account exists, yet I continue to receive letters. Thank you for your time. Please let me know if you require further documentation.

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