vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: OH

Complaint narrative:
Duvera showed up on my credit report as a loan I haven't made payment on. I checked all my loans I've made payments on all of them and none of them are through duvera or XXXX. I honestly have no clue what this is so I'm going to assume it's fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello, XXXX XXXX  : XXXX # XXXX ; XXXX  # XXXX ; TransUnion # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, XXXX XXXX  : Equifax # XXXX ; XXXX  # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
XXXX has refused to process my request for a letter of deletion of the inaccurate derogatory information of an alleged bankruptcy they sold to Transunion LLC in XX/XX/XXXX. Transunion has violated the FCRA by buying a third party furnisher company called XXXX erroneous reports of inaccurate and negative information to destroy my credit and cause creditors to decline my credit worthiness or discriminate by charging higher interest rates for their products and services. Transunion and XXXX has willfully, negligently, recklessly, and repeatedly failed to perform reasonable investigation within 30 business days as required by FCRA and failed to remove the inaccurate information from the " public record '' section of my Transunion credit report. XXXX has failed to verify my identity but stole my personal data to use it for their deceptive acts. Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is liable to me for willfully and negligently failing to comply with the requirements of 15 U.S.C. 1681i ; 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( b ) .The conduct of XXXX XXXX XXXX was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to me that are outlined more fully above and, as a result, XXXX and Transunion is liable to me for the full amount of statutory, actual and punitive damages, along with the attorneys fees and the costs of litigation, as well as such further relief, as may be permitted by law when I file a civil lawsuit. Transunion has not updated their files to remove the inaccurate alleged bankruptcy that has not been verified by an Attorney of a original notarized statement or contract of who can testify under oath that an alleged bankruptcy occurred. XXXX has consistent sent letters in the past few weeks asking for my social security number and identity information so that they may use it against me. They have mistakenly identified me as a Man and emailed me asking me for identity information. I have not given XXXX any authorization to use my personal information. Transunion and XXXX has engaged in unfair debt collection practices

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 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: NV

Complaint narrative:
XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted Blitt and Gaines ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX experienced issues related to COVID Pandemic with high medical expenses and reactions to vaccinations and subsequent medical as a result of XXXX. XXXX allows customers to overdraft protection which was being brought back up to zero but apparently it took longer than bank allows. XXXX XXXX was not advised on any time limit. XXXXlus SunTrust charged XXXX XXXX additional fees as a result. SunTrust has apparently closed the account and has contracted a credit debt collector. This is outrageous as Suntrust/TRUIST received FEDERAL CARES FUNDING. I request enforcement action against SUNTRUST Bank. Account was closed over XXXX $ and SUNTRUST refused payments to bring the matter to zero. Further SunTrust did not notify customer in advance of action taken. SUNTRUST also reported the activity to outside reporting " ALERT '' ( banking databases ). The US Government has recognized the COVID as a national pandemic/national emergency and ordered citizens to take vaccinations that have ad citizens ill.

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is in response to the initial complaint that was improperly closed. 


This is not accurate. Ive never indicated that Ive never done business with XXXX XXXX and if thats a question please pull the actually call. Its clear that I have in the past based on my bank statements. Initially I did think that those transactions were unauthorized because the name on XXXX XXXX was not recognized. After I investigated them, I realized that some the charges were valid, just not the duplicates so I called and indicated such. As I stated several times, Im unable to login to XXXX XXXX as my account was closed. Again if there is a question there pull the call logs and things will become clear. If you were doing your job and disputed the charges requested, you would quickly see that the charges are actually in fact duplicates! Providing my XXXX XXXX statement should not be relevant as duplicate charges were not authorize and neither were any of those XXXX XXXX charges that I asked you to dispute as those were completely unauthorized. Again, Im asking you dispute the charges. Why dont you do that and see what happens instead of asking me to provide Info that I unable to. I mean seriously If Im saying XXXX XXXX wasnt authorized then whar on earth can I provide for you to prove that? The burden of proof should not be mine it should be the unauthorized charges. Thats the {$2500.00} that you reference. XXXX did mention that she needed cash app history but i mentioned that I dont have access to that. Why cant you just do what a bank is supposed to do and not question my intentions and integrity a consumer?!? Ive been with BBT for a number of years and applauded with the abysmal service that Ive received by the institution.

To be frank, I am in process of switching all of my banking products from BB & T as the level of service is getting progressively worse. Why is this request such a problem? At this point I'm considering litigation regarding this matter because this is unacceptable that you wont even investigate. This is ridiculous when all you have to do is initiate the dispute.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear XXXX, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear XXXX, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Deutsche Bank
State: NJ

Complaint narrative:
Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX Credit Acceptance reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX Credit Acceptance reported that I was delinquent on my account which dropped my credit score tremendously. I contacted Credit Acceptance multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, EQUIFAX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, XXXX, EXPERIAN ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.

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 2021-09-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have a mortgage with Mr Cooper I sent all documents for flood insurance at time of purchase. Our HOA provides flood ins and we pay monthly. After the loan was a year old, i pay by billpay from XXXX XXXX and it is set every month. With out my knowledge Mr. Cooper bought flood insurance on this get this, a third floor unit. As soon as my payment hit on XXXX I was hit for a late payment because they raised my escrow to pay for insurance i did not need. It was XXXX before renewal was sent to me by them and i fiqured out what was going on. I saw what they did and called customer service. I presented to them the certificate of insurance from my HOA and they cancelled and because of the overcharge my balance is {$4600.00}. They only pay the taxes and not until XXXX is it due and is only {$1500.00}. Now they are still taking money every month for escrow, {$150.00} i believe and are refusing to return or apply the extra money collected in escrow. I asked for the money to be returned or applied to the principle. They refused and said they would reevaluate in XXXX. Holding my money without compensating me is wrong and i want it returned or applied to principle. 
Thank you for any help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2017- MIDLAND FUNDING as they are wrongfully reporting to my credit report. I've sent multiple letter to the credit bureaus to remove. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Dear Officer-in-charge, I am involved in an investment/romance scam. The criminal groomed me to invest in an investment scam, thats when I borrowed XXXX {$300000.00} from the various banks, friends, and insurance companies to invest in this investment scam, it was after I invested in it, I find out it was totally fake. ( Basically, he proved a link to a clone app, which I clicked on ) I thought it was a genuine app, but after investing XXXX {$300000.00}, I later find out this app was cloned to impersonate the real app, as I couldnt log in to see my investment. Ive already lodged a XXXX police report and reported this scam, Report No : XXXX and have advised me that my bank should help me regarding this unfortunate matter. Looking forward to hearing from you.

1. Grooming started on XX/XX/XXXX via XXXX 2. Asked me to buy Bitcoins from the local cryptos via http : XXXX ( scammer made their own fake trade app ) 3. Then ask me to install this app on my smartphone so that I can trade Bitcoins, ( this app was given to me via a link, http : XXXX this was a cloned version of the XXXX trading station app. It was after Ill install the app and try to log in, nothing of my investment was there. 
The following details below are all the transactions involved in the scam : HSBCBank ( XXXX ) XXXX. 
Address. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
SWIFT Code, XXXX. 
Beneficiary account number : HSBC ( PERSONAL ) XXXX Beneficiary Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation