vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted Berkshire Banks Collections department to request that they contact me to work out a satisfactory solution regarding the charged off account from XX/XX/XXXX on XXXX separate occasions. 
o XX/XX/XXXX Told the collections team would call in the afternoon of XX/XX/XXXX. 
o XX/XX/XXXX Told the collections team would return the call in XXXX mins. 
o XX/XX/XXXX Told the collections team would call back later. 
Berkshire Banks Collections department refuses to accept a transfer of the phone call when asked to speak with that department. 
Berkshire Banks Collections department refuses to return my phone calls after stating that they will do so. 
The loan was charged off in XX/XX/XXXX. The balance was not reported to XXXX. 
After the loan was charged off, the vehicle was sold. 
The amount the vehicle was sold for was not reported to XXXX. 
The balance amount reported to XXXX in XXXX of XXXX was {$16000.00}. 
The balance was subsequently increased monthly until the current balance of {$18000.00}. 
The balance amount should never have increased once the loan was charged off in XXXX of XXXX. 
Berkshire Bank continues to report missed payments despite not having a payment plan in place.

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 2023-11-07 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/ I wrote to I.Q. Data International Inc. requesting an authenticated record of accounting. I specifically said I was not asking for a statement of account, rather an authorized record of all accounting and bookkeeping entries pertaining to the account. In this letter I requested to be provided with an agreement with their client that grants them the authority to collect on the alleged debt, an agreement that bears the signature of alleged debtor where in he/she agreed to pay the creditor, any insurance claims that have been made by any creditor regarding this account, and judgements obtained by the creditor in relation to the account, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to the collector, complete accounting of alleged debt and commission for debt collector if collection efforts are successful. I requested that they furnish this information within 15 days as it is readily available to them and they did not send any response. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt and this letter was delivered and signed for on XXXX XXXX XXXX 

Since I.Q. Data International Inc. did not respond in any way whatsoever, I sent a second letter on XX/XX/ via certified mail. In this letter I notified them that they did not get back to me and validate the debt and that according to the Fair Debt Collection Practices Act I have the right to claim a validation of the debt and they are obligated to provide me with the relevant documentation. They received my original letter on XX/XX/ and never responded yet the credit bureaus have responded back to me that the debt is " verified '' although they too never sent me any documentation whatsoever. 

I let them know that they are now in violation of the FDCPA and subject to a fine of {$1000.00}. And that I would continue with the suit if they did not respond within 15 days. I informed them that I would also be submitting a complaint with the FTC. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt requested. This letter was delivered and signed for by I.Q. Data International Inc. on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NJ

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to inform you that on XX/XX/2023. I disputed an item on my credit report regarding a debt that was reported by Portfolio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Portfolio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: TX

Complaint narrative:
This is in regards to a missing direct deposit from my employer that was sent on XX/XX/XXXX in the amount of {$4700.00}. 
This direct deposit was never credited to my account. Furthermore, it was not rejected and returned to my employer. 
I have used the same routing number and account number since I opened the card in XXXX of XXXX. This can be verified by looking at my past direct deposits that I have received every two weeks from the same employer with no issues. 
After speaking with multiple representatives it has been determined that the routing number I have always used belongs to XXXX XXXX XXXX  When my account was first opened the prepaid card from netspend was issued through XXXX, which then became XXXX XXXX. At some point XXXX took over and they changed the routing number and modified the account number without my knowledge. 
My paychecks still came on time every two weeks with out delay with the old information. Again this can be confirmed by looking at my previous deposits. 
Unfortunately on Thursday XX/XX/XXXX my direct deposit never arrived. I have been told by my payroll department that it was sent and received without rejection. They have provided me with the trace number for this transaction, which is XXXX, however Netspend still claims they never received it. They also refuse to allow me to speak to a supervisor, always saying none are available. I need my paycheck either credited to my account or sent back to my employer. At this point theyve basically stolen {$4700.00}.

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 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX in your letter XXXX XXXX dated XX/XX/XXXX referencing community loan servicing XXXX you state you're included an escrow transaction history from XX/XX/XXXX to XX/XX/XXXX when you transferred that loan to a different servicer yet I only have page one of one which covers XX/XX/XXXX through XX/XX/XXXX it appears that you've excluded all of Bayview and all of communities escrow transactions send me a correct correct escrow transaction history from XX/XX/XXXX through to XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
making bi-monthly payments, XXXX  payment goes through fine, the XXXX  payment goes to principal, even though it shows the amount due for that month, which I paid in full, call them to change it back to payment, they credit it to payment than change it back to principal, have had to call every month since XX/XX/XXXX, and the problem still exist, the operator can see how many times I've called since XX/XX/XXXX, about this issue and tells me they are notifying the company 's head personal, but as of XX/XX/XXXX it shows that I haven't made the XXXX  part of the payment for XXXX even though I made it on XX/XX/XXXX and have confirmation number for that payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, TRANSUNION, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF 2023, I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY XXXX  DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXXXXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/2023 WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, XXXX, AND EXPERIAN FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT XXXX DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXXXXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/ WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

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 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Delete all hard inquiries

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Deposited check with US Bank XXXX XXXX XXXX XXXX in XXXX CA XXXX. The teller asked me if I wanted to cash check and I said " No ''. She did not tell me the funds would not be available for 24 hrs. When I noticed the funds not available, I called US Bank and was told I would have to return to bank. I called bank and was told to return to cash check then deposit cash to make funds available. So I went to the bank, having to leave work, and then was told the check is already in process so I can not cash it and then deposit the cash so as to make available to me today. So then I asked could they make 30 % of it available so I could get to the dentist today and make my co payment which is something I desperately need to do to relieve my dental pain and prevent further XXXX. I was told no. So then I asked to close my account and was told I couldnt do that while the check was pending. So now Im just in pain, cant get me dental work done, and for no reason at all other than the bank refuses to make funds available on a check that is not held.

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 2023-11-07 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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I'm a XXXX XXXX  and have submitted enrollment verification, as confirmed by my XXXX, as early as XX/XX/17. Nelnet has contacted me through automated means multiple times since then regarding repayment. I have reached out to them via email four times and made several calls ; for one of them I was on hold for an hour with no result. No one has gotten back to me and I'm still being harassed for collection.

Beyond this administrative oversight, which has disrupted my daily life, Nelnet should have been exactly as prepared for repayment logistics as it expects its borrowers to be, if not moreso, and the fact that they're so unreachable, especially right now, is negligent and irresponsible enough to seem intentional. I can not plan my days around being on hold for six hours.

Cursory research implies professionally weaponized incompetence and refusal to connect with clients is an exceedingly common complaint. It is not a minority opinion that student loans are a predatory institution and this is making it so much worse it's almost impressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving The CBE Group any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If The CBE Group can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and The CBE Group continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
They have repeatedly texted me before 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 2023-11-07 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: GA

Complaint narrative:
On XX/XX/23 I checked my credit report and noticed incorrect items. 
I reached out to the debtor and no avail and then sent a letter to the credit reporting agencies. 
I requested information and explanations to be sent back to me to explain why these items are on m report. 
I have yet to hear or receive anything back and it has been well over XXXX  days.

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 2023-11-07 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: NJ

Complaint narrative:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
getting caught up on payments but they needlessly send by unidentifed persons to take pictures and leave finincial information where anyone can access that information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Kindly take a look at the attached documents. I'm urging the bureau to commence an investigation into these accounts where I have always made timely payments, but they are incorrectly reporting me as late. It is unfair considering my consistent efforts to pay these accounts on time.

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