vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
On XX/XX/22 my financial advisor ran my credit report for a mortgage and a company called AmeriSave Mortgage Corporation called me and I provided them all my information including my social security number. When I spoke to my financial advisor he told me that he did not send them to call me. Im concerned that I can get my information stolen since I gave my social security number. I also electronically singed some documents that I was not sure about. I spoke to AmeriSave Mortgage Corporation. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I did agree to take any loan with them I called them back on XX/XX/22 to cancel the application that I made with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
see attached

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 2022-05-27 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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.

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 2022-05-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX, has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This Company has violate their rights by calling me 7 days a week including Holidays and nights and bullying me and they call my husband phone with the same tactic to pay a debt that has been years ago. I have all the phone record proof of how this company should be shut down with all the scam they are pulling. Now they are trying to sue me and take me to court over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: MS

Complaint narrative:
In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. XXXX XXXX still refuses to remove this inaccurate and illegal reporting from my credit report.

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 2022-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I am writing to inform you of my process and communication with Myfedloan Servicing. Back in XX/XX/2021 and again on XX/XX/2021 I submitted my certification and application for the Public Service Loan Forgiveness. It has now been 6 months! Currently my account shows that I have 144 eligible payments ( in order to be forgive I need 120 ), of those 106 have been processes and are qualifying. I am waiting for 32 of the " Need Employment Certification '' to be completed by them so that I can be forgiven. I have met all of the requirements and now I am just waiting. I understand that this is a very involved process and that thousands of people are going through this task. My frustration is that there seems to be no rhyme or reason to this. I am on a number of social media groups and I have seen over 100 people post that they have received forgiveness and they submitted their paperwork well after mine. XXXX XXXX XXXX XXXX. I have no time to make phone calls during my school day. I have taken off 2 days just to make a phone calls to them, only to be told, " We know nothing, you just need to wait! ". The lack of communication has been unacceptableXXXX XXXX XXXX XXXX XXXX, trust me I am a very patient person. My patients has run out. Thank you for you help in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause me.

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 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received a text telling me there was a problem with a bank account which I am not a part of. It had 10 ppl connected to the message. It said : CHASE : Were investigating a payment reversal, please confirm it here : Link read XXXX XXXX XXXX I took a screenshot of all 10 numbers attached See attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: IL

Complaint narrative:
I contacted experian about this company XXXX EXPERIAN STARTED THE dispute and never gave results.

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 2022-05-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX  months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) Equifax is required to promptly delete this item, not just close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
As stated in my previous complaint, Truist assumed our mortgage from BB & T. Truist did not correctly apply a past payment of {$1500.00} to the monthly payment due but instead applied that full amount to principal. I discovered this mistake when Truist showed a monthly mortgage payment due ( XX/XX/2022 ) that was not due until XX/XX/2022. I repeatedly attempted to contact Truist to correct their error but they would not respond or return calls until I filed a CFPB complaint. After the complaint I received correspondence from XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] stating they had corrected the error and our next mortgage payment was not due until XX/XX/2022. She attached a " Mortgage account statement '' with her letter but unfortunately the bottom portion of the statement ( legal paper size document ) was not copied because she sent a letter size copy which cut off the " coupon '' portion of the statement. I reviewed this statement and discovered almost all of the {$1500.00} payment they supposedly corrected to be a mortgage payment was applied to interest. The mortgage payment due was {$1300.00} of which approximately half should have been principal and half interest ( {$670.00} principal, {$680.00} interest ). I had submitted a payment of {$1500.00} of which at least {$140.00} was to be ADDITIONAL principal, not interest. Truist 's statement dated XX/XX/2022 shows {$1400.00} applied to interest and only {$89.00} applied to principal! On XX/XX/2022 I called the " XXXX XXXX '' telephone number provided in XXXX 's letter and spoke to " XXXX ''. She acknowledged the application of {$1500.00} payment did not appear to be correct. She said she would look into it and call me back. Once again, I have heard nothing from Truist with an acknowledgement, explanation or correction of the error. Apparently filing a CFPB complaint is the only way to get their attention. I wish to file this complaint.

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 2022-05-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022 full amount sent to merchant of {$560.00}, card ending XXXX. Billed by credit card comp, again for {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount of {$560.00} had been paid on XX/XX/2022 and it had been taken from my checking account. I have been fighting with the credit card company and get nowhere. They said the disputes I filed with them had been investigated ( two different times ) and I was responsible for the charge.I have the paperwork from the merchant and my bank stating this bill has already been satisfied.

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 2022-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/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 2022-05-27 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: FL

Complaint narrative:
In acordance with the Fair Credit reporting act XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.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 also states a consumer reporting agency can not furnish account information 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 2022-05-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) XXXX is required to promptly delete this item, not just close it.

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 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MS

Complaint narrative:
Since the beginning of XXXX, I have been trying to pay off my mortgage with LoanCare. The funds were wired per the instructions and within a few days, I received a letter stating my mortgage was paid off, and I confirmed by reviewing the balance on-line. Shortly after, I received another letter saying " thank you for paying off your mortgage, here is what to expect next .... '' Then, on XX/XX/XXXX, I received another letter from LoanCare saying my loan was in default since they had not received a payment since XXXX. When I called to inquire how this was possible since the loan was paid off, I learned that some of my funds were returned to my originating bank and I had an outstanding balance on my mortgage. Since then, I have been trying to pay off the balance and have received nothing but push back and issues from the company. This is costing me in additional fees, not only from the mortgage company, but also my bank because I have to pay for each wire, additional interest, and potentially my credit score. This is frustrating and I want to be made whole. I do not think its fair for them to be sitting on my funds and not applying them to my mortgage. I need help because LoanCare is not willing to work with me.

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by PERSOLVE XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX is presenting a gross mischaracterization of an alleged debt. PERSOLVE XXXX XXXXXXXX XXXX brazen attempt to ignore my initial claim of XXXX XXXX alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NATIONWIDE ACCEPTANCE LLC
State: GA

Complaint narrative:
I am a federally protected consumer, and my name is XXXX XXXX and I am making this complaint against the Nationwide Cassel. On my Consumer Report I noticed that Nationwide Cassel with you states that it has been Charged-Off with Bad Debt Profit and Loss Write-Off. I mailed letter on XX/XX/2022 and I asked for them to send me documentation of proof of ownership, general ledger, and accounting trail for this Charge-Off. I have not received anything and the only notice is when I looked at my consumer report it states that this account disputed and resolved. That's false information and that's fraud.

What is a charge-off? According, 7 CFR 1956.54 is the writing off of a debt and termination of collection activity. Collection Activity includes reporting delinquencies to my consumer reports and you know that know or have reason to know that this is false and misleading.

They stated that you charged this account off right? Collection activity should have stopped, collection activity includes Nationwide Cassel furnishing this to my consumer report.

I am aware that something being furnished to your consumer report is a part of collection activity pursuant to 31 USC 3711e. There should not be any collection activity on this account it should have stopped because it should have been terminated. All Collection activity includes you furnishing this to my credit report. If so, they are committing tax fraud.

If they filed a 1099c they were supposed to send it to me. They wrote this off and cleared it from their books as income and this makes it uncollectible. This money has to be accounted for with the IRS. That means there is no more debt because it's considered income after that and income cant be reporting as debt on any consumer report. I want you to know that that are in Violation of the IRS and I will be filing a complaint with the IRS because they never issued me a 1099-C for taxable income for this charge-off. Please provide me with your prompt attention and response are both requested and required.

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