vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
My home went into foreclosure The home sold to third party buying the day of the auction XX/XX/XXXX Freedom mortgage is the mortgage company I ask for escrow information XX/XX/XXXX I wrote them email to explain escrow they sent me information about my regular and flood insurance on the XXXX XX/XX/XXXX a break down .I got a letter in the mail couple weeks later about them putting forced insurance on me in XX/XX/XXXX but I never received any information about this {$920.00} payment to this other insurance company I called they said it just went into effrect. ZI wrote the a letter on XXXX XXXX express mail asking for all accounting of my loan to include fees escrows and foreclosure information and what is going to happen to my XXXX check that they kept in their loss draft department now that {$53000.00} now that they no longer own the home, and the house sold to 3rd party for XXXX and and they are the owners I feel that freedom mortgage unjustly inriching themselves by holding my check and drawing interest on it for these 3 years. That is why I put a formal request for my accounting fees and escrow and other information pertaining to my loan but I they refuse to give me any information Loss Draft fm says loss migration FM and the send me back and forth with questions and no one answered anything just point fingers A veteran for closure nonjudcial is only {$1500.00} for the state of Mississippi where is all these fees coming from.

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 2022-03-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
I was called by XXXX, a debt collector by a restricted phone number on XX/XX/XXXX XXXX PM EST. She said that her intention for calling was for me to settle a debt owed to XXXX XXXX. It was her second time she called me. I told her that I would like for her and anyone else who identifies themselves as debt collectors who work for Receivable Management Services LLC to call me, but she insisted that she had to call to help me settle the debt. I told her I am not employed and therefore am not able to pay any debt owed.

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I paid a debt a judgment was entered on. I attempted many times to solved this problem without court action. Communicated with this organization and followed their direction. I advised them of my situation just they still, after payment in full Pursued and entered judgment on an account that was paid in full prior to the court date. In addition to that every time I called to make a settlement on this account I was told to call back and was not able to follow their instruction and they still entered judgment on a paid account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
XXXX has Shellpoint Mortage Servicing company working for them. This company is the problem. And they are not correcting their agent. Meet help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX  ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-01 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: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX  ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Alerts keep popping up on my XXXX transunion and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Alerts keep popping up on my XXXX XXXX and experian credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Three accounts were opened at the Bank of America with my social security number, the names and the birthdays do not match mine, however, the Bank of America will not close these accounts, they will open a '' claim ticket '' to have the matter investigated within 90 days. I am a XXXX service member in my identity has been stolen and this answer is unacceptable. There are three open claims " XXXX '', " XXXX '', and " 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-01 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: NJ

Complaint narrative:
These accounts are fraudulent and need to be removed from my credit report immediately. I am a victim of identity theft and did not make these charges whatsoever. I also included the FTC affidavits. The alleged accounts are listed in the affidavit. Please remove this accounts as soon as possible as they are causing me substantial harm as a consumer. This is not a third party, I XXXX XXXX am making 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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sun trust became truist bank. I was sent a new atm/debit card. Tried to use automated system to activate the card ; system said my billing zip code is wrong. It isnt. Directed to call customer service. On hold yesterday for 1 hour and gave up. Called today- on hold 1.5 hours. I have no way of accessing my Money- no checks, cant use debit or atm functions.

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 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: FL

Complaint narrative:
I noticed that my standard monthly payment to Audi Financial had not been withdrawn. Due to to my entire family having XXXX, I was not monitoring my bank account as much during the month of XXXX. I logged in and looked on XX/XX/XXXX and noticed it was not withdrawn. I had tried to manually process the payment on XX/XX/XXXX. Apparently it was rejected by my bank. Not sure if the account number was wrong or what but my account has plenty of funds. 

On XX/XX/XXXX Audi posted a letter in my " MyAudi '' account which I have no reason to ever check. This letter stated my payment was returned. My payment was due on XX/XX/XXXX. No phone call from Audi saying your payment is about to be 30 days late. No contact. No email to my personal email address which I always check. No phone call to let me know there was an issue. They mailed me a letter which was received after the XX/XX/XXXX due date. 

It took them about 24 hours to report my account as 30 days past due to the Credit Bureaus. All 3 of them. I have emailed Audi, sent letters to the CEO, and sent letters to dispute this information. 

If a company is going to be allowed to do this during XXXX pandemic for a customer who has made every payment on time to Audi over the last 3-years that is despicable. They have an obligation to pick up the phone and call me IMMEDIATELY when they see the payment returned.

I have subsequently again processed the payment due. I have never missed a payment 30 days late in over 20 years of having credit. When I have tried to process the payment I think Audi 's system is changing my account number to my bank routing number and that is why it appears the payment was rejected. Whether this is Audi 's system mistake or my input mistake one will never know. But, the truth is Audi should have immediately picked up the phone and called me either way on XX/XX/XXXX when the payment was rejected. The error could have been rectified prior to the XX/XX/XXXX date when the payment became 30 days late. They should have also shown more care for a family dealing with the XXXX pandemic and inflicted with the virus. 

Audi needs to correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: DISCOVER BANK
State: TN

Complaint narrative:
I initially contacted the CFPB on XX/XX/XXXX regarding an ongoing dispute with Discover. I have provided substantiative documentation from the company stating that I would be refunded for the charge and the third party company is refusing to refund the charge. 

My initial complaint to CFBP re : XXXX stated : " I placed a reservation for the XXXX in XXXX XXXX XXXX AL. The room I reserved was a studio with an attached room with 2 bunk beds and the main room had a king size bed. The room was advertised as having premium ammenities including premium bedding, and black out curtains. The curtains in the room were broken and the bedding was shredded/torn. The toilet was broken and the shower was not working upon arriving. I called several times to the front desk and was not offered a replacement room. Maintenance was sent up to the room to repair the toilet and curtains but nothing else. We discovered the air was not working in the second room in the middle of the night and ended up leaving because it was so hot in the room. We explained to guest checkout what had happened and why we were leaving. I was advised by a portly XXXX  haired woman working XX/XX/XXXX around XXXX that we would be receiving a refund in full and that she was refunding the other charges made while staying there. The other charges were refunded however the charge for the hotel was not refunded. When I contacted XXXX to explain what was going on they said they would not contact the hotel. I attempted to escalate with XXXX to no avail. I then proceeded to dispute the charge with my bank Discover. They provided proof that the charge was valid in the form of an online screenshot showing the booking. However the charge has not been refunded. The service I paid for was not rendered. The room was not in a habitable condition. '' The case was closed by CFPB as the company responded they were still investigating the case. The case was closed XX/XX/XXXX and was again charged back to my account I submitted documentation I received from the hotel stating they authorized a full refund to the third party vendor XXXX for the charges at XXXX XXXX. I have not received a refund, I have been recharged by XXXX again. I have had no additional correspondence with Discover only a surprise charge against my account. Discover is engaging in unethical billing practices and not investigating the claim or even corresponding with me. I am continuing to ask for this unathorized charge to be removed. I did not authorize this charge. I am uploading a copy of the letter from the XXXX that states the charge should have been refunded. I do not know what more I can provide to prove this was not authorized. At this point this is a fraudulent charge by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, TransUnion and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX  has payment status as : Legally paid in full for less than the full balance XXXX has payment status as : Paid Transunion has NO payment status Transunion is reporting this account as open

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 2022-03-01 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with Experian, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -Experian has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open

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 2022-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Ive attempted to reason with the defendant regarding this debt, defendant repeatedly attend to collect my debt under fall and misleading information and representation. defendant failed to provide proof of the original creditor in the affidavit 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 explanation
Consumer complaint received 2022-03-01 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were ma

king to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC o
pinion.

Company response to consumer: Closed with explanation