vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2021-08-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, consumer and natural person, received a bill demanding final notice to pay. I have never went into a consumer transaction with RESURGENT CAPITAL SERVICES. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
A notification was sent from American Express that they would be reviewing my credit limits for account ending in XXXX. It did not indicate that the account was overdue and upon checking with the organization and online at all accounts, all accounts were current and the next payment is due XX/XX/2021. The accounts are on autopay and as my husband had closed his checking account, I paid with my account for the Amex account ending in XXXX. The following payments were made for each account : XXXX- XX/XX/2021 {$100.00} XX/XX/2021 {$230.00} XX/XX/2021 {$140.00} XX/XX/2021 {$160.00} XX/XX/2021 {$180.00} More payments are on record and indicated that the accounts have been current and paid on time and never late. No attempts were made minus 1 instance that payment was due in which it was paid through another bank account. 

Account XXXX- XXXX  XX/XX/2021 {$500.00} XX/XX/XXXX, {$6.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$310.00} There was no notification that cancellation or closure would occur, as well as no communication as to why. The organization did not ask for additional objective evidence from me as to how to keep the account open, nor did they notify me that this would be the outcome. The accounts were always in good standing and not overdue. They had been paid on time and did not offer additional options to even keep it open. Given the cardmember agreement, this violates their own terms as well as the fair credit act reporting guidelines to unjust treatment. This evening at XXXX XXXX  on XX/XX/2021, Amex offered to reinstate or review reinstatement if I just paid them $ XXXX more on an account. Given that the account is not due until XX/XX/XXXX and the payment was just made, I denied to do so, as none of the accounts are overdue or are above the credit line. There was no notification of adjustment to credit line either during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I KEEP RECEIVING MAIL FROM FHA BENEFITS, THIS LETTER IS NONSTOP ON MY MAILBOX ABOUT AVAILABLE FUNDS REPORT. I WANT TO BE REMOVED FROM THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I checked my account with Rocket Mortgage ( RM ). I noticed that there was a change in my payment of {$91.00} for my next payment. I did not receive any correspondence either through the mail or email. I called RM for some clarity and left my name and number asking to speak to someone about the change. On XX/XX/XXXX, I went to the website and made an inquiry. I followed up with an email on XXXX and XX/XX/XXXX. Today I received an email telling me that an escrow analysis was complete and that they would send it today. I received a notice that the analysis was completed and the website was back dated to XX/XX/XXXX. The terms of my mortgage stated that should the escrow account be deficient, the Lender would notify the Borrower and actions should be taken to restore the account to an acceptable level. The Borrower did not follow the process and change the amount against the conditions of the mortgage. This is the 8th month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with PenFed Credit Union on XX/XX/2021 in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. PenFed Credit Union overcharged me and violated my consumer rights.

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 2021-08-04 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: WI

Complaint narrative:
On XXXX I reviewed my credit card statement from Bank of America and discovered fraudulent charges totaling XXXX. I contacted them on XXXX to report the fraud and a customer service representative indicated that the charges would be reversed pending an investigation. On XXXX I received a letter denying my fraud claim. I then contacted their fraud department asking about how to appeal that decision and was told I would have to contact the retailer XXXX XXXX XXXX that allowed the fraudulent charges and my fraud claim would be kept open. I, twice, by email, requested XXXX XXXX XXXX send me information regarding the fraudulent charges but they refused to give me information. I also sent information to Bank of America by mail indicating that there were fraudulent charges on XXXX. I filed a Identity Theft Report with the Federal Trade Commission on XXXX as well since it was clear that someone was able to use my credit card to initiate an agreement with XXXX XXXX XXXX in my name and continue to order items. As of XXXX I have yet to receive any communication from Bank of America and XXXX XXXX XXXX has refused my request for information. Therefore I am at an impasse and would like some assistance in resolving this issues.

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 2021-08-05 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$21000.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Pioneer Credit Recovery contacted me, the consumer in XXXX about an alleged student loan debt that I was informed that was transferred to from XXXX XXXXXXXX XXXX. Once I received initial notification regarding this alleged debt, I immediately sent the company a cease and desist and a debt validation stating according to the FDCPA 15 usc1692b and 15 usc 1692 c ( 2 ) and c ( 3 ) that I as the consumer did not give written express consent for Pioneer Credit Recovery to contact me about an allege debt and I invoke my specified remedy to not pay an allege debt that Pioneer Credit Recovery is attempting to collect. Pioneer Credit Recovery was sent numerous letters stating that I am the original creditor and I do not owe any debts. Pioneer Credit Recovery failed to respond under penalty and perjury that this was a VALID debt. Pioneer Credit Recovery continued to send false and misleading letters in the mail which violates the FDCPA 15usc 1692e, Pioneer Credit Recovery made calls to my place of employment and asked the secretary at the front desk, did I work there because they were going to file a letter for wage garnishment which they are in violation in 15 usc 1692b ( 1 ) ( 2 ). In XXXX XXXX Pioneer Credit Recovery sent false documents to my job and requested wage garnishment which is violation 15 usc 1692c ( b ). In XX/XX/XXXX, my job started sending Pioneer Credit Recovery a percentage of my monthly pay which is violation 15 usc 1692d ( 1 ). AS OF XX/XX/XXXX, Pioneer Credit Recovery is in violation under the FDCPA 15 usc 1692 ... XXXX for identity theft for sending false and misleading documents with my information on there that a debt is owed which is violation 15 usc 1692e ( 4 ). Pioneer Credit Recovery is reporting on my consumer credit profile that this debt is being handled by wage garnishment which is violation 15 usc 1692e ( 10 ) and Pioneer Credit Recovery violated 15 usc 1692f ( 1 ). Pioneer Credit has caused damage to my consumer credit profile and has defamed my credit score. Pioneer Credit Recovery also stated that I am a borrower which the term " borrower '' is not defined or mentioned in the FDCPA which is a violation under federal law. I, the ORIGINAL CREDITOR AND consumer is requesting Pioneer Credit Recovery to pay {$30000.00} to the consumer and a {$1000.00} for each violation or the consumer will be forced to place this case in federal court.

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 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I received a letter from Wakefield and Associates on XX/XX/2021 regarding a debt that I could not identify as being mine. I immediately responded and mailed a request a validation that the debt belongs to me. Almost a month later, the company is still calling me even though I already told them that I wish to be contacted by mail only, no phone calls or texts. The lady on the phone claims they never received this letter I sent and I said okay, well I will be sending a new letter and meanwhile do not contact me by phone, this account is being disputed. I immediately send the new letter on XX/XX/XXXX and request debt validation again. Come today, it is XX/XX/2021, I still have not received any response providing proof of the debt or any information I requested but they just reported the debt to the bureaus which to my understanding, while I am requesting this information, they can't report to the bureaus because the debt has not been verified that it belongs to me. I called the company and the gentleman I spoke to was very rude and arguing with me and told me they have no control over it reporting to the bureaus, which is simply not true. The man, XXXX, ended up hanging up on me. They have blatantly ignored all requests for further information regarding this account and went against my rights as a consumer and still reported the account to the bureaus. It has been 2 months and this company is trying to use stall and scare tactics to get me to pay for a debt that they can't even provide sufficient information that it belongs to me. I have been more than patient and gave more than enough time for them to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I called the original hospital ( XXXX  XXXX aka XXXX XXXX ) where I was seen in XX/XX/XXXXand I asked why all of these bill collectors had been trying to collect balances from me. They informed me there was nothing owed.

The company trying to collect a debt not owed is Commonwealth Financial Services , Inc. for the amount of {$100.00} which was purchased from XXXX XXXX XXXX. 

I called the VA because I am a permanently and totally XXXX veteran and asked why is this hospital/debt collector trying to collect. They stated that because this company has listed themselves as a law agency they can not communicate with them.

The Florida hospital even went on to state that they do not use this credit collector as they have their own in-house collections.They do not know who this collector is.

I do not owe this debt, and I have been fighting with the credit bureaus to take it off but the keep selling this this debt and renewing it on my credit report.

I am asking kindly for someone to help me as I do not know what else to do, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Every time I've tried to use Equifax web service to lift a security freeze, it says that I need to call XXXX. I have valid credentials for " MyEquifax '', but as soon as I click " Manage a Freeze '', it tells me I need to call. This same thing has been happening for three years. When it first happened, I pursued getting my web account fixed. I was assured my web account would work next time I tried, but it didn't work. I gave up trying Equifax web site and resigned myself to wasting time on the phone with them. 

Today ( XX/XX/2021 ) I called XXXX 3 times spending over 60 minutes on the phone. The first call, after spending 15 or 20 minutes, I was told they system was down and they could not lift security freezes and to call back in a couple of hours. In a few hours, I wasted another 15 or 20 minutes only to find out the system was still down and to call back in a couple of hours. In another few hours, I called a third time and wasted 30 minutes. This call included answering questions from my credit report, which I had open on the desk in front of me. I answered all the questions, reading things directly off the credit report that Equifax had printed out a few months earlier. The result : I was told they could not process the temporary lift of the security freeze, and I would need to fax a letter or use snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft REGIONAL ACC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In XXXX I requested that Equifax investigate / dispute my XXXX Account and Reinvestigate my account. 

While the issue has been resolved by XXXX, Equifax still shows the account as being disputed. It shows this even though Equifax shows the dispute as closed as well the company corrected the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My claim was denied due to payments were made which I never did I never had a Citibank account in my name and all the payments they said I made were false and returned according to Citibank and they are holding me responsible for the balance I didnt get a fraud pack form from citi and I would like for them to send one out to my address so I can filed a police report the account number ending in XXXX with XXXX XXXX is not mines i didnt apply for this credit card Im mentally XXXX and living under my parents roof I cant possess any credit cards and someone is stealing my info and I have the suspect name. Citibank is sending statements to my parents address and I would like for the payments to be investigated or Ill will contact a attorney to have this sorted out

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 2021-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account maintenance fees, unauthorized charges, improperly investigated dispute, forced account conversion and changes to the deposit schedule all contributed to the account being overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I'm XXXX years old and been living in my home with wife and grandchildren for over 34 years. XXXXXXXX XXXX  is trying to fraudulently take our home despite all the illegalities the Federal government caught them in when they bundled the securitized mortgage that they acquired from XXXX XXXX in XXXX. They are being monitored by DOJ however they have done nothing to settle the mortgage issue with my family. I can't reach anyone from XXXX XXXX to correct this travesty of justice. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation