vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX had taken a job in the XXXX XXXX area. we live in XXXX XXXX so she was moving down there. We were searching for an apartment and had applied at XXXX XXXX XXXX XXXX XXXX was our contact person. At this time we had to pay the application fees that were {$55.00} per person and we also paid a security deposit of {$200.00}. All fees were paid. We were starting to get into a bind with time and I had not heard back from XXXX. We then started to look at other apartments and found one that approved us very quickly. I informed XXXX that we would no longer need this apartment and that was it. Didn't hear from anyone, then someone called to let me know that I owed money from my daughter moving out?? I informed them that she NEVER signed a lease, nor did she move into that apartment. The lady on the phone was going to investigate it, again didn't hear anything so I thought things were taken care of?? Now Columbia Debt recovery gets a hold of me and I inform them that everything was paid. They tell me to send all proof. I did this, again no one EVER contacted me again so I thought things were handled?? Now it shows up on my credit report. I have very good credit and I always pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
I rented from an apartment complex called XXXX XXXX  ran by XXXX XXXX XXXX located in California. I was a tenant for 2 years. Upon my move out the property XXXX went through my apartment and charged me for things that were clearly wear and tear items, like flooring a bathroom, mirror that had faded in some parts, a XXXX cleaning fee and other dubious /suspect charges. She told me that if I didnt pay it they would sue me ruin my credit and other harsh rhetoric. 
It was soon after this I started receiving calls from IQ data who posted this garbage on my credit report even though I disputed this garbage from this property XXXX. They sent me a boxed check letter which she filled out essentially saying XXXX owed this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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: MA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Received my monthly bank statement on XX/XX/XXXX for period XX/XX/XXXX through XX/XX/XXXX and IMMEDIATELY saw that my credit union processed ( XXXX ) fraudulent checks through my account. Our checking numerical sequence is currently in the XXXX range. The ( XXXX ) fraudulent checks were posted XX/XX/XXXX - # XXXX - amounXXXX XXXX} and XX/XX/XXXX - # XXXX - amount XXXX. We did not have a checking account with this credit union with those check numbers. We immediately called our credit union to report this. The representative closed our checking account, opened a new account and presented this issue to their internal fraud division. I then logged into our account from my desktop and was unable to see images of any of my checks. We have encrypted XXXX to prevent this from happening. Let me be clear- we do not do any financial transactions online. I only access my accounts to monitor them from my home, protected desktop computer. We do not have any APPS on our cell phones. We have gone to our credit union branch XXXX in person. XXXX XXXX we have been given different non-answers. We have called them XXXX XXXX XXXX times each day, going thru their XXXX process of XXXX  - empty promises. They have REFUSED to provide us information and as of today, XX/XX/XXXX they have not returned the XXXX}. The XXXX was returned to our account XX/XX/XXXX. They claim that all images of checks have been erased from their files. Yet, they have sent images XXXX of our legitimate check # XXXX for XXXX} implying that they don't owe us XXXX}. It has been XXXX weeks. They refused to tell us what checks I had mailed prior to discovering the fraudulent checks on my statement! We had to call XXXX different payees. We did not receive new checks to be able to submit payments on time to our credit card, utilities, etc. We always write checks the day our bills arrive, always pay in full - never carry a balance and mail from inside of our post office within XXXX  days of receiving our bills! We need to know who had access to all of our personal information and we need PROTECTION

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX I made a mobile deposit in the amount of {$4800.00} into my business account. I did not receive a confirmation number so I deposited the check again. 
On XX/XX/2022 I check my account and realized the check was deposited twice. I called the bank ( Trusit ) and ask if they would remove one of the deposits and explained what happened. They removed both deposits so I called Trusit again and I was told I needed to take the check in to the local branch ( Truist ) and deposit it. I did on XXXX XXXX. On XXXX XXXX the check was returned saying it was duplicate presentment. I contact the company who wrote the check and ask if they would write another check and was told they contact their bank and the check was withdrawn once, never returned. The company refused to write another check because Trusit has the money and withholding it from my business account. I have gone to the local branch to resolve the problem and still do not have my money. I called the customer service number and still do not have my money or any reason Trusit is withholding my money. I believe this is FRAUD.

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 2023-01-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022 I went to regions bank on XXXX XXXX XXXX XXXXXXXX XXXX. I used atm to withdraw XXXX which the machine did not have that amount so I went to another ATM in the same location and when trying to get the XXXX It said Insufficient funds. I went back to the first machine to make sure money had T been dispensed and it had a error symbol. I used a EBT card where I get cash through the government and they have been unable to assist as well as the actual bank. The bank or someone has a extra XXXX that is 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 monetary relief
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent TransUnion a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this type of verification is inadequate.

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 2023-01-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that XXXX verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under and requesting a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter 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 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Cooper/Nationstar bought our mortgage in early XXXX. Our account has been in escrow since XXXX. 
Previous lender was XXXX mortgage. We have not been able to get XXXX to take our calls. 
On XX/XX/XXXX, I went to make my mortgage payment online and learned my payment increased by {$780.00} monthly. Ive called the mortgage company several times and they continue to tell me my taxes have increased. 
On XX/XX/XXXX I submitted all tax records and a statement from our town indicating that our XXXX school taxes were not paid. This was an error on the mortgage company because again we are in escrow. 
Mr Cooper refuses to help us and is now destroying our credit. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Cavalry collection agency has been sending me letters regarding a debt that is not mine. I have sent them debt validation request letters on XX/XX/XXXX and XXXX, XXXX and they refuse to send me the information required. Instead, they repeatedly state that they verified the information and it is correct, without sending me the actual information which they are required to do so by law. They have reported this alleged debt to the three credit reporting bureaus and refuse to delete this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
On XX/XX/2021 I closed on a new home in XXXX XXXX, MD. Pennymac mortgage took possession of our mortgage. They also held the Seller of the homes mortgage. The State of Maryland sent a property tax bill in the amount of {$4200.00} to PennyMac mortgage in XXXX of 2021. This bill was the seller 's responsibility to pay as they covered months the seller was in possession of the home. However, Pennymac paid this bill and charged my family for it. The title company was not aware that the property taxes were paid from my account and refunded any money held for property taxes from the seller. Pennymac mortgage is holding me responsible for this error and has gone up on my mortgage substantially to cover the cost of someone else 's tax bill. This is causing an extreme hardship for my family as our mortgage is already substantial. Pennymac should not hold me and my family accountable for someone else 's bill. They have also explained this will impact my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Upon purchasing vehicle at Dealership, XXXX XXXX XXXX financing company ; XXXX XXXX XXXX, Date : XX/XX/2022 Amount of collection ; {$1100.00} XXXX XXXX XXXX did not provide tags for vehicle that was included in deposit amount. 
XXXX XXXX XXXX did provide products services to vehicle promised in agreement bringing vehicle purchased to depreciated amount as the damages at purchase depreciates the amount of the vehicle amount. I have contacted company to resolve this matter with written statements, requests, and images of product to verify concerns. 

XXXX XXXX XXXX, transferred loan to Westlake Portfolio Management as of ; XX/XX/2022 Westlake Portfolio Management is harassing me to pay debt amount of ; {$1500.00} This consumer has furnished an account without my written instructions. 

In accordance, with the fair reporting act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
Westlake Portfortlio Management account # XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: AR

Complaint narrative:
XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.

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