vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX my account was hacked for XXXX it caused an overdraft fee to occur and the bank applied a {$50.00} credit on my checking account. The bank stated that I withdrew the money at a gas station in XXXX. I never withdrew the money from the banker at Regions in XXXX XXXX GA, even said the withdrawal times didn't make sense but region corporate refused to refund the money into my account. They currently owe me {$80.00} I have tried over and over again to get this resolved and Regions has failed again and again.

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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
These accounts have been on my credit for more than a year and has caused me harm I am requesting {$1000.00} for each month that this account has been listed on my credit and immediately removed from all 3 credit bureaus. These accounts report open and they are not it is a violation of the FCRA and is in violation of XXXX Compliant Reporting standards.

Debt {$990.00} Debt for {$1900.00} Debt for {$460.00} Debt for {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am transferring the liability of the alleged debt onto my trust, XXXX XXXX XXXX XXXX # XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to NavyFederal Union. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( note promissory security ) numbers. Navy Federal credit union violations ofTruth-In-Lending Act, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. This letter shall be considered lawful notice to NavyFederal Credit Union. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States . Navy Federal willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have been working with a HUD counseling agent who has been present with all phone conversation with mortgage management company Shellpoint since XX/XX/XXXX to arrange for an extension on an existing forbearance. 

On that call we spoke with customer service representative XXXX XXXX after failing to reach my assigned case XXXX XXXX XXXX directly. We were advised to call no later than XX/XX/XXXX to ensure that a forbearance extension request was honored. 

On Wednesday, XX/XX/XXXX I contacted Shellpoint again with my HUD counseling agent. This time we spoke with XXXX XXXX agent id # XXXX after again failing to reach XXXX XXXX on their direct extension. They placed the request for forbearance extension and advised us that I should receive an answer from XXXX XXXX via email or formal letter of status of forbearance extension we should wait to call again after XX/XX/XXXX. 

Today is Monday, XX/XX/XXXX and again had a conference call with my HUD XXXX with Shellpoint to check on the status of my forbearance since I had only received one letter dated for XX/XX/XXXX that did not include a forbearance extension as one of my solutions. My hardship has not changed and I am still unemployed and can not move forward with anything other than a forbearance. Again we were unable to directly contact XXXX XXXX and spoke to agent XXXX XXXX who also failed to reach XXXX XXXX multiple times. They placed an escalation on my request and were told that an answer would be provided in 3 business days and to contact them again on Friday, XX/XX/XXXX. I am concerned because previous conversations that my forbearance would end on XX/XX/XXXX. My assigned agent has not contacted in quiet a long time and they have contacted me on at least XXXX different emails and has refused to communicate several times unless I included their Loss Mitigation team making it very hard to have a consistent and reliable form of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2023 I received a letter from XXXX XXXX stating that XXXX XXXX XXXX Nevada had acquired a debt of mine from XXXX XXXX XXXX XXXX when I inquired about it and ask for a validation of the debt they purchased which i am entitled to under the FDCPA I got nothing instead they reported it to Equifax and the others which caused my credit score to drop XXXX points and in turn caused me to be denied credit at a retailer I was trying to get credit with. The actions of XXXX XXXX  was RETALIATION which, in Texas is illegal. As you will see in the attachments I'm providing this should have never been reported until I received the validation letter which again, I never received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, Discover Credit Card, acting on my previous information, accessed my personal credit report. I have never requested a credit card from Discover, nor have I ever given them permission to pull my credit. My credit file 's fraud alerts alerted me. I contacted their fraud department and put an immediate stop to sending any credit cards. However, I asked for a copy of the credit application that was used to apply for a credit card, which contained my information. It is extremely alarming that they are refusing my reasonable request. I need this information to file a police report. They are more interested in protecting criminals and Discover Card 's own interests in an attempt to conceal their criminality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
Company and employer XXXX issued a paycheck for {$4900.00} to me and a mobile banking transaction was completed on XX/XX/2023 w/ Fifth Third Bank. Availability of funds were never made available as Fifth Third returned check marked as fraudulent. XXXX was to reissue check but never did. I have not heard from XXXX since the incident, no contact w/ employee, no wages paid for work, and no check reissue. I was a proven loyal, and honest customer to Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Constant harassment trying to Fraudulent report to all three credit bureaus from the company XXXX insurance this is not my debt in the amount of {$230.00} been threatened to be reported if not paid

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
On this day of XX/XX/XXXX, XXXX, I received weird and/or unusual notice. I would enclose the copy. The company claimed that their decision is based on what is provided to them by two credit reporting companies. I did not send any application to the credit company though. I called XXXX for fear of the duplicate or whatsoever stuff that always got me trapped by perpetrators who always get away with injustice very easily. Since my social security number could not match with the account number., they claimed that it is a third party which applied on my behalf. I do not know the third party though. I suspect retaliation and/or bully. Whatever punishment and/or destruction is ahead., I am bothered by the persecution. Remember., XXXX XXXX XXXX XXXX He said., I did not fail. I discovered one thousand things that do not work. I do not know where the punishment plan is originating from., but I would not waste time on some kind of maximum-security prison like bureau which is called XXXX which is in perfect alignment with the ID theft/punishment ring since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: DISCOVER BANK
State: NC

Complaint narrative:
Discover Bank : Account No. is XXXX ( {$7600.00} ) has violated my rights. And this card was open with stolen information & needs to be removed. 

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 an 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. LexisNexis does not have my permission to report this alleged bankruptcy and I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( 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 2024-01-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( 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 2024-01-29 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: NY

Complaint narrative:
XXXX  XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to XXXX, XXXX, and TRANSUNION. This is violation of Title 15 USC 1666b ( a ). XXXX  XXXX  also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )

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 2024-01-29 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: NY

Complaint narrative:
XXXX  XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to XXXX, EQUIFAX, and XXXX. This is violation of Title 15 USC 1666b ( a ). XXXX  XXXX  also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CREDIT XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to EXPERIAN, XXXX, and XXXX. This is violation of Title 15 USC 1666b ( a ). CREDIT XXXX also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
Mohela was sent a check for {$6500.00} from the state of Illinois as an award from on my behalf for the social work shortage that exists in the state of Illinois. Mohela never debited the check to my account. In addition, Mohela has yet to check my public service loan forgiveness application and they are currently charging me monthly payments even though I should be in forbearance for being in school at XXXX XXXX. When I contact MOHELA on their website through their messaging portal, they never respond and have deleted past messages that I sent them from my account. In addition, they do not answer the phone when options are clicked for a customer customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
Subject : Urgent : Cease and Desist Unauthorized Reporting on my Credit Dear Paramount Recovery, I am writing to express my deep concern and frustration regarding the unauthorized collection account that you have reported on my credit profile. To my knowledge, I have never given Paramount Recovery permission to engage in any collection activities on my behalf.

Under the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 ( a ) ( 3 ) ( F ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ], a consumer reporting agency may furnish a consumer report for the purpose of collecting an account only with the express permission of the consumer, which, in this case, I have not granted.

Furthermore, under Section 605 ( b ) [ 15 U.S.C. 1681c ], consumer reporting agencies are prohibited from including adverse information in a consumers report unless the agency has verified the accuracy of the information within a reasonable period and obtained the necessary permission to include such information. Paramount Recoverys reporting of this unauthorized collection account without my explicit consent constitutes a direct violation of this section.

Additionally, under Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports. The inclusion of an unauthorized collection account, for which Paramount Recovery lacks the proper permissions, demonstrates a direct failure to comply with this requirement.

In accordance with South Carolina state law, specifically under Section 37-5-108 [ S.C. Code Ann. 37-5-108 ], engaging in fraudulent, unfair, or deceptive acts or practices in the collection of consumer debts is expressly prohibited. Paramount Recoverys actions, which directly violate federal law, could also be subject to penalties under South Carolina state law.

Given that I have not provided explicit written consent, and no court order has been issued, Paramount Recoverys reporting of this unauthorized collection account is a direct violation of both federal and state laws. This not only jeopardizes my creditworthiness but also constitutes a serious breach of privacy, possibly amounting to identity fraud.

I request that Paramount Recovery promptly investigates and rectifies this situation within the next 30 days from the receipt of this complaint. Failure to do so will be considered willful noncompliance, and Paramount Recovery may be held civilly liable for this direct offense under Section 616 [ 15 U.S.C. 1681n ] of the FCRA and applicable South Carolina state laws.

I expect your immediate attention to this matter and the removal of the unauthorized collection account from my credit report, in strict compliance with both federal and South Carolina state laws.

Done in good faith.

Company response to consumer: Closed with explanation