vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Brennan & Clark, Ltd., LLC
State: MA

Complaint narrative:
I USED TO HAVE A NOTARY SIGNING SERVICE BUSINESS AND XXXX XXXX XXXX WAS THE COMPANY THATUSED TO PROVIDE THE PAY CHECK TO MY STEPSON XXXX XXXX AS EMPLOYER .WITH THE ACCOUNT # XXXX. I PAID XXXX EVERYTHING THAT NEED TO BE PAID. AND I FOUND OUT XXXX XXXX SENT MY NAME TO DEBT COLLECTOR NAME XXXX XXXX WITH FILE # XXXX AN AMOUNT DUE {$160.00} THAT I DIDN'T OWED AND SINCE MANY DEBT COLLECTOR KEPT CALLING FOR DIFFERENT AMOUNT OF MONEY. I WOULD LIKE THOSE DEBT COLLECTORS XXXX XXXX AND XXXX XXXX TO STOP CALLING ME FOR A DEBT I DON'T OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On or around XX/XX/2023, and XX/XX/2023 I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Midland Credit Management. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Midland Credit Management has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as 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 non-monetary relief
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as 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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I spoke with a member of Mr. Cooper regarding some inconsistencies in mortgage payment information being reported to the consumer credit unions. I was told not to worry, that the mortgage was current, and that they would look into what the cause of the mis-reporting to XXXX & XXXX XXXX Less than 2 week later, news of a massive cyber attack and customer information breach was released by Mr. Cooper. I called back on XX/XX/XXXX ( today ), to get more information and was told multiple inconsistent facts ( the phone call is recorded - both by me- and I informed the customer service rep that I would be recording- and by Mr. Cooper ). The agent told me no banking information was stolen & then backtracked when I read her the article saying the exact opposite - that Mr. Cooper had a data breach and the personal information, SSN, and banking information was stolen for almost XXXX XXXX customers. The Mr. Cooper representative then said that she really didn't know anything & had no way of knowing if my account & information were amongst those exposed.

I am tired of the banking & financial institution industries being allowed to sell mortgages anytime they want to other banks & financial institutions which DO NOT meet the security and diligence requirements that customers should be allowed to demand as those are researched and compared when I initially applied for and signed for my mortgage with a different bank. The customer has zero control what happens to their personal information after the banks start trading mortgages to make their books look temporarily better in time for paying out bonuses, etc. 

I'd like to file a complaint against Mr. Cooper for buying my information without my consent & then losing that information through faulty cyber & physical security measures, which all customers should be allowed to vet prior to their mortgage being sold. I plan to file a lawsuit against Mr. Cooper in civil court as well with the hope of pursuing class action status. 

If my personal information was compromised, 2 years of credit monitoring does not do anything to help with the hours of clean-up and remediation required to fix what Mr. Cooper failed to protect. I will continue to pursue this until the matter is closed to my satisfaction. 

I did previously file a complaint against XXXX XXXX for failing to provide the XXXX notice required when selling mortgages in XXXX- mostly on account of the poor reputation of Mr. Cooper- which of course, I had no choice over. Customers personal information can be moved from bank to bank to bank without the customer having any voice. My only option is to refinance with a different financial institution at my own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XX/XX/XXXX. Since then, my fed loan servicer Ed Financial has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from Ed Financial once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info Ed Financial is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with Ed Financial, and these loans I have since started paying on, but I have received over XXXX XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
Transunion Consumer Solutions, has violated, my consumer rights by reporting a fraudulent account ( XXXX XXXX XXXXXXXX XXXX ) under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the account reporting are not authorized by me. TransUnion Consumer Solutions agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. At this time the account with XXXX XXXX XXXXXXXX XXXX  continues to reflect on my credit file. I will be sending a notice of intent to sue regarding this 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 non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit 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: OR

Complaint narrative:
I have contacted my bank regarding charges on my XXXX Statement for XX/XX/23. The bank has denied the fraud charges on two different occasions. The following transactions are in dispute. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-12-18 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: TX

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-12-18 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-18 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-18 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Re : Account # XXXX To Whom It May Concern : I am writing to dispute the above referenced account on my credit report. According to the Fair Debt Collection practices Act ( FDCPA ), debt collectors must provide validation of the debt if the consumer disputs it within 30 days of the initial collection notice ( 15 U.S.C. 1692g ) .i dispute this debt for the following reasons : This is not my account. 

The balance being reported is incorrect. 

This account does not belong to me. 

You have not provided sufficent evidence that i owe this debt. 

As i am disputing this account under the FDCPA, i request that you provide complete verification of this debt including : A copy of the signed original contract or documentation bearing my signature that shows i am directly responsible for paying this debt. 
An itemized accounting of the amount you are trying to collect including all fees and charges. 
The name and contact information of the original creditor. 
The FDCPA states you must cease collection efforts until you have provided me with the requested documentation. Please remove the account from my credit report until the requested documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. I have uploaded my letter from Equifax and other supporting documents to support my investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TN

Complaint narrative:
Pleaase see attached documents. Do not close this complaiint stating it is not me. I am a natural person and 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 non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score. 

For Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18 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: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-12-18 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: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On or around XXXX XXXX XXXX and XX/XX/ I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to National Credit Adjusters , LLC. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. National Credit Adjusters , LLC has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC
State: NJ

Complaint narrative:
I opened an account with Majority. 3 days later they closed it with no details on why. However I had {$500.00} in funds in the account when they closed it. 
I sent over all my bank details for them to forward the money. They advised 3-5 days.

Its now been 4 weeks with no return of my funds.

Ive sent over 40 emails and getting no response other than one guy responding something in XXXX which was off topic and nothing to do with my account.

The people on the phone are also no help and useless.

Theyre clearly scamming customers for funds and keeping their funds to earn interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ACH payments scheduled for XX/XX/23 were delayed. I contacted Chase on or around XX/XX/23 to inquire on the status of my deposit and was told they were working on processing ACH payments but did not know when the funds would become available. I explained that I would receive a late fee from my landlord due to NSF and was asked to visit a branch to request reimbursement if a fee was assessed due to the delays. Additionally, they noted I would not incur any fees by Chase. The funds posted to my account on XX/XX/23. 

On XX/XX/23 my landlord issued a {$25.00} NSF fee and a {$50.00} late fee on XX/XX/23. 

On XX/XX/23 I visited a branch in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with the teller, providing a copy of my tenant ledger, I requested a reimbursement for the late fee assessed by my landlord. She instructed me to contact the claims department via telephone and said they are unable to process my request in branch. 

On XX/XX/23 I contacted customer service via telephone at XXXX and was transferred to the claims department. After speaking with the representative, it was made clear to me that they would not provide reimbursement or credit for the fee because the fee did not originate from Chase despite me explaining the situation and the cost being a direct result of delays related to the ACH deposit mishap in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
XX/XX/XXXX i requested Verification of the debt, including a complete breakdown of the debt amount, including any interest, fees, all payments made or other charges claimed, and proof that the original creditor had the legal right to sell a debt they claim i owe. 

On XX/XX/XXXX i get a response that did not provide any information to what i requested This was my second attempt for verification of debt from LVNV and they still havce not provided any proof. Meanwhile they continue to report this claim to the major credit bureaus causing significant damage to my credit rating

Company response to consumer: Closed with explanation