vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
ON XXXX I deposited a cashiers check for {$49000.00} in ATM that was endorsed and signed over to myself. ON XXXX of XXXX the check clears and a hold was placed again. On XXXX the funds would be available but only to be placed back on admin hold I called TRUIST they advise me to walk in the branch I deposited the check in. On XXXX I go to the XXXX XXXX XXXX TRUIST win XXXX Ga to no avail no help was provided. I was advised to a branch leader that was no assistant. Around XXXXXXXX XXXX on XXXX I referred to the TRUIST at XXXX XXXX XXXX GA for a branch leader and no assistance was provided. ON XXXX I called TRUIST they again advised me to go back to the branch. ON XXXX I went back to the TRUIST ON XXXX XXXX XXXX IN XXXX where I was assisted by XXXX. XXXX himself calls TRUIST and I was then told to wait for TRUIST to give me a call.

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 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am a XXXX person who is XXXX  XXXX. I received money from the Social Security administration because of this. I had a home healthcare worker fraudulently access my PayPal and steal XXXX. They laundered it through my PayPal. I contacted Paypal when this was discovered and it fit within the parameters for them to give me protection and re-place the stolen funds. I was elated as I needed the money for an XXXX XXXX. I followed all of their instructions to the tea. However, when my funds were recovered, it would not allow me to cash out the balance. I was able however to make a couple {$1000.00} transfers and when I went to meet the last one it locked my account and they said that they are now closing it and I had to wait 180 days if I have to wait 180 days, I will miss the window for the XXXX  which will have a huge impact on the rest of my life. This is a medical necessity. They said they are holding the funds in case of a charge back the only charge that could possibly be charged back is a {$16.00} payment from a friend. Its absolutely absurd that they want to hold {$1000.00} over that they need to give me my money so that I have a chance at some small amount of repair to my XXXX. This is. An emergency medical situation and they are screwing around. They are not a bank. They dont have the right to do what theyre doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a car from U.S Auto Sales in XXXX, NC a month later the company closed down. Along with my car loan I purchased a XXXX warranty that was good for 3years just in case I had issues with the car I would be able to get it fixed for a XXXX that was no issue. I went to make my payment and was informed that I would directly report to the company WestLake Portfolio Management I agreeded and let them know that I only had the car for a month and would like to use the warranty so that I would have enough to make my car payment the informed me that those warranty 's are no longer valid and the warranty company said they will not be able to assist me due to U.S Auto Sales closing down the car was orginally XXXX WPM hasn't updated my account I can't see where im even paying towards the interest of the vehicle this is a 2013 car listed at XXXX still which I didn't mind paying. In XXXX since I have no warranty I asked for a deferred payment they made me pay XXXX and said that it would go towards me not having to pay for that month due to car trouble and that payment would be applied to the end of my lease. That never happened it says I have a past due balance of XXXX with all of the rest of my payments on time and they now have informed me that there is no guarntee that I had a deferred payment. My credit is suffering and also can't afford to fix the car over and over again. I have asked to speak with someone and tell them to honor what they agreed to and they never do. I want to file a lawsuit againist this company for lacking integrity and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX EXPERIAN is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. EXPERIAN has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. EXPERIAN has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. EXPERIAN was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXX  and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. EXPERIANS performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. EXPERIAN is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. EXPERIAN is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. EXPERIAN is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. EXPERIAN has been put on NOTICE AND IT HAS BEEN 30+ DAYS AND EXPERIAN HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.

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 2023-09-06 00:00:00
Product: Credit reporting 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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We sent a response to a letter from PHH on XX/XX/2023 concerning incomplete information. XX/XX/2023 we received a letter from PHH stating that We will review the issues raised with the goal of providing a written response by XX/XX/2023. Please note, when allowed and necessary, we may extend the time period for responding in order to conduct additional research needed to respond to your question/ concern, We also received a foreclosure notice on XX/XX/2023, both are attached to this communication. 

In closing, please clarify what is going on. If we are waiting for you to response why are we receiving a fore closure notice and incurring additional foreclosure fees? 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Upon receiving 6 emails with notices that I was approved and open a credit card this morning with my name on the emails. I called chase banking to the customer service number. To confirm they did NOT have an account under my name. The representative would not confirm this unless I provided a social security number. Date XX/XX/2023 time XXXX was when I placed the call. I asked if I could go to a chase office for this the representative said they would tell me to call back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Sir or mam, My name is XXXX XXXX and I currently have a VA loan with the Newrez mortgage company with a 2 % interest rate. Due to my recent divorce I have been trying to remove my ex-wife from the mortgage through the assumptions process. This process will allow the rate to stay the same and allow my wife and I to save thousands of dollars. Because my loan is a federally backed loan it is eligible for an assumption and is usually granted. If I am forced to refinance, my mortgage will nearly triple and I will be unable to afford my home and hold on to the one thing that hasn't changed for my XXXX XXXX XXXX son. A simple answer would be to sell the home but due to my job I have to reside in the city. 

According to the Newrez website this process takes 6 to 8 weeks. I have been trying to get it approved for 8 months now with hardly a word from the mortgage company. They do not have a phone number for the assumptions department and only correspond through email. Because of this, they answer you at their will without any regard for peoples lives. I received an email from them on XX/XX/XXXX stating they would approve the assumption but I can not take out an equity loan to pay my wife her share of the equity and I can not borrow the money from anywhere. I certainly do not have XXXX sitting around that I do not know what to do with. I have come to the conclusion that Newrez purposely drags there feet until you give up and refinance anyway. They continue to do this while sending me emails daily asking me to take out an equity line as I have XXXX in equity in my home. 

At this point I am stuck and do not know what to do. I am hoping exposing them will stop them from leaving peoples lives in the balance. My ex-wife is currently unable to purchase a new home until I can remove her from my mortgage and give her share of the equity of the home. Myself, my ex-wife, and most importantly my son have been through enough during this process and I don't think its right that a mortgage company can hold us up from moving on with our lives. I am hoping this story interests you and you can help in some way. 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
please see attached file

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 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has appeared on my credit report showing as of XX/XX/2023 states original creditor XXXX XXXX XXXX XXXX for the amount of {$3200.00}. I have requested for several months validation of this debt and the original debt the original creditor opened, closed and payment history for the account they are reporting and as of XX/XX/2023 I have received nothing in the mail, text or email. This is a violation of the FDCPA for a collector to refuse to send validation notice or fail to respond to my verification letter. This XXXXXXXX XXXX XXXXXXXX account needs removed from my credit reports as soon as possible.

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 2023-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is Im reference to my Transunion credit report. 

I did not make an inquiry with XXXX XXXX XXXX seeking credit. I do not know how and why it is on my Transunion credit report. Below is the date of the inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I was told my payments will be {$980.00} a month for 11 months and then {$2000.00} for the next 178 months. I am XXXX  on a fixed income and with the bills I have the amount is not possible for me to pay

Company response to consumer: Closed with explanation