vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dunlap Gardiner LLP
State: TX

Complaint narrative:
To Whom it May Concern ; This letter is being sent to you in response to the account ref in my the attached correspondence. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX and PENTAGON FCU XXXX XXXX  XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.

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 2023-01-31 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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

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 2023-01-31 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX to XX/XX/2022, myself and spouse went on a cruise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and back ). Two weeks prior to boarding, we paid for a Couples Massage for {$320.00} and also 4 days usage of the XXXX XXXX ( for two people equals {$230.00} ) using our XXXX XXXX XXXX XXXXXXXX. We both had a 50 minute massage at XXXX XXXX in the XXXX XXXX on board the XXXX XXXX XXXX  on XX/XX/2022. 
On my ship account XXXX, using my Bank of America credit card XXXX we were billed {$320.00} for Couples Massage, PLUS {$110.00} XXXX for XXXX XXXX usage for 4 days. This was already paid for two weeks prior to boarding! Also, XXXX XXXX XXXX XXXX shows that we also had a massage on XX/XX/2022. WE DID NOT! Also, on XX/XX/2022 we were charged AGAIN for a 4 day use of the XXXX XXXX ( {$110.00} times 2 ) ... this is wrong! Also, to top it off, {$59.00} was charged to my Bank of America charge card for an 18 % tip to masseuse TWICE!! One charge for 18 % tip is appropriate, but not the second charge of {$59.00}!!

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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
On XX/XX/2023 at XXXX, text from Santander Bank verifying XXXX transfer of {$120.00}. I denied the transfer request. Received call from caller ID " Santander Bank ''. Man on the phone, who knew my name, said there was suspicious activity on my debit card with XXXX and suspicious {$950.00} purchase in XXXX, TX. Conversation stated he was putting a hold on my account and removing a newly added " transfer recipient ''. Asked for my username and last 4 digits of SSN for verification purposes. He stated he is filing a claim for {$950.00} charge. Gave me a claim 's number to refer back to for a follow up. Asked for the text message 6 digit code I received from bank. Another code was texted to me when I noticed it said " Santander bank will never ask for this code ''. I realized this was a fake call but at the same time I received a text for a {$950.00} charge under the same claim number he has previously given me. Appears on my statement as " external transfer to acct - # he previously gave me ''. I immediately hung up and called my bank 's fraud department. My bank handle the investigation on their end ( refunding my account and closing my bank 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 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, Equifax, XXXX and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to Equifax, XXXX and XXXX to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Consumer adjustmentXXXX XXXX XXXX XXXX for {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a duplicate payment for {$540.00} and now Synchrony Bank will not stop the second payment. They said it has to go through and they will put a credit back on XXXX. That is not where the money came from. I want the authorization stop or the money put back in my checking 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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

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 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, Transunion, and XXXX XXXX to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: OH

Complaint narrative:
I'm trying to dispute a charge made on XX/XX/2023 for {$350.00} with PayPal, but PayPal 's dispute and customer support section is inaccessible and reports an error. There doesn't appear to be a way to reach PayPal to dispute the charge or talk to someone.

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 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
In my previous complaint, XXXX, I experienced issues with our escrow account, which still appears to be incorrect. 

I scheduled payments to the mortgage company, in order to catch up. However, we are still being XXXX by XXXX 's independent contractors- which appears to be evidence of fraudulent activity. There are unauthorized individuals posting notices to our door, while I am at work. 

Today, XXXX XX/XX/2023, we were home and the Loancare XXXX Representative ( a woman ) walked up to our door, DID NOT KNOCK, and just posted this notice on our door. 

Here is the link to the video : XXXX XXXX XXXXXXXX Again - calling the number on the form, does resolve the problem. When calling the number on the letter ( which is posted with scotch tape this time, to my front door ), there is no response from XXXX Loancare. 

When I spoke with XXXX XXXX, Senior Client Liaison with XXXX Loancare, she indicated that this process would be reviewed and corrected. It has not. 

Finally, the escrow account is still wrong. According to Loancare, we have a shortage of {$650.00}, which is not possible since there was a {$7700.00} credit on our account from DC Government.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WI

Complaint narrative:
I purchased a {$500.00} XXXX XXXX XXXX, and it was declined for an online purchase. I called and told I needed to register my card and they sent me to an automated line. But when I type in my card number I get sent directly to a XXXX and am unable to change the pin or register the card. They then tell me to use in in store. Again it was declined. I call again and they say I need to change the pin and again send me to the automated system, or direct me the the website, XXXX, which tells me there is a problem with my card and to call customer service. After about the 5th phone call in which the XXXX states that in order to send me new card I need to go to the automated system to first register my card. But again the automated system does not recognize the card number and directs me to a different csr. And the entire cycle continues. This is a XXXX XXXX XXXX purchased from a XXXX XXXX XXXX XXXX sold by US Bank.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/XXXX, my insurance agency sent a Letter of Confirmation of Coverage and a Binder to my mortgage company, Hancock Whitney bank, requesting payment to XXXX XXXX XXXX for a new insurance policy. Payment in the amount of {$4400.00} was again requested by my insurance agency to be overnighted to XXXX  XXXX on XX/XX/XXXX. There was no contact between XXXX XXXX and either myself or my insurance agency from XX/XX/XXXX to the afternoon of XX/XX/XXXX ( Friday ), when Hancock Whitney notified my insurance agency that it needed a Declarations Page/invoice and a verbal agreement from me to pay the insurance. By that time, the property insurance policy had lapsed, and I was uninsured due to XXXXancock Whitney 's failure to pay the insurance premium. On XX/XX/XXXX, Louisiana 's insurance rates were raised 60 % or more, and now the same policy I had received for {$4400.00} is {$10000.00}. 

Neither my insurance agent nor myself were contacted once between XX/XX/XXXX and XX/XX/XXXX that Hancock Whitney needed a Declarations Page/invoice or verbal approval from me in order for Hancock Whitney to pay my insurance premium. Hancock Whitney has admitted as much, and has admitted that it is their fault that the insurance was not paid. However, I have been told that I have no recourse, and I am now left responsible for the {$6000.00} increase in my insurance due to their fault. This is gross negligence on their part, and a clear violation of 12 C.F.R. 1024.17.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

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 bankruptcy XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXXXXXX 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 bankruptcy 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 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MI

Complaint narrative:
I made a prior complaint because selene mortgage was requiring documentation for my covid forebearance agreement. They agreed that this was improper and sent me a letter stating I qualified for 6 more months of covid forebearance on XX/XX/2022. I replied with an email and a phone call requesting this 6 months. On XX/XX/XXXX they mailed me a letter requesting documentation not required by covid forbearance. I called and the guy on the phone says my forebearance was denied and I must give documentation. I told him that if my covid forebearance is declined then I want to make arrangements to continue payments as per the cares act covid program that does not require documentation since covid affected income. He refused to comply with the covid program. Im requesting help with this matter. Thank you!

Company response to consumer: Closed with explanation