vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I am getting repeated phone calls from Northstar Location Services, a debt collection agency, to my cellphone number that is registered with the Do Not Call Registry for over 10 years. I called from a landline phone to identify the number that was unknown to me. I was the victim of identity theft in XXXX XXXX reported it the police, and had all my credit frozen with the 3 credit bureaus at that time and have never unfrozen my credit. I have reviewed my credit bureau accounts and there is no notice of unpaid debt as no business or individual has ever sent me, in writing or any other way, a notice of collection for any unpaid bills. The numbers they usually call from start with area code XXXX followed by XXXX and then various 4 digit numbers. I have nothing in writing to dispute, but I enrolled in XXXX XXXX in XXXX, to try to stop these fraudulent uses of my SSN to get credit cards, loans, XXXX, XXXX and brokerage accounts. All of those matters were resolved and no one ever got away with anything. I want them to stop calling my cellphones and to let them know that I will be filing a complaint with the FTC as well. I don't know if Northstar, and XXXX XXXX  are affiliated or not, but these are the numbers that Northstar, and XXXX XXXX have been using to call my cellphone XXXX XXXX XXXX XXXX XXXX XXXX 
The number appears on my cellphone at time as XXXX XXXX XXXX XXXX XXXX, or no identifier. Northstar or XXXX XXXX never appear as the identified number. The call started around XX/XX/XXXX and continue on nearly daily basis and sometimes multiple times per day. They never leave a voice message or identify who they are or why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: NV

Complaint narrative:
First Progress closed my secured card account without giving me a reason, and says they sent my deposit in a check, but 3 months later, I have not received anything from them.

I have called to inquire about my refund, and am told I will have to fax in proof that I did not receive the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to express my dissatisfaction with the lack of response from your agency concerning my dispute of a negative account on 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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed the accounts multiple times and have yet to receive any proof of the account belonging to 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 2024-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Despite the settlement, XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. XXXX Reporting Agency, XXXX Information Services, TransUnion has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House XXXX XXXX XXXX, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in XXXX  XXXX, any offset debt that has been settled should not negatively impact 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 non-monetary relief
Consumer complaint received 2024-02-01 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: BANKMOBILE TECHNOLOGIES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported inaccurate information my XXXX XXXX and XXXX consumer report. I have been a victim of identity theft by these following accounts ; XXXX XXXX account number : XXXX Contribution ref # : XXXX, they reported checking account fraud which is false i physically never open a account with them. This is inaccurate information reporting on my report please have them remove this information off my report. incident date XX/XX/2020 another identity theft incident with another banking institution is ''BANK MOBILE '' Account # XXXX i never opened a account with this institution or held any security 's with them please remove this inaccurate information off my consumer report thanks.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After twice confirming that XXXXXXXX XXXX XXXX in COLLECTIONS had been removed on XX/XX/ it was reinserted And possibly ReAged to Open illegally violating accuracy and Privacy. Account was already beyond its 7 years of XXXX day of Delenquency and excluded from Consumer Files according to XXXX XXXX XXXXXXXX memo. Consumer Files shown sent XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This fraudulent worthless company lied again with another you can view on line AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-01 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: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-01 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I received a text on a Sunday - that my credit card was used at XXXX XXXX XXXX for {$630.00} & card was declined + XXXX at XXXX for {$230.00} was approved - asked did I authorized this activity. I called the Bank of America # on my card, waited over 2 hours & said " NO '' Basically advised to call back on Monday. I also contacted XXXX & they said they couldn't do anything until credit card company advised. 

Called on Monday & said " NO '' again & was advised to throw away my card & they would issue a new one. 

XX/XX/XXXX  I received something from them which said they were temporarily crediting my account the {$230.00} while they " researched '' my claim. What is to research - I didn't authorized the used of my credit card. I have never been to that place. 

Chargeback Response from paperwork said unintelligible stuff that credit card # & name, address and expiration date were verified for " All day dining premium '' at {$230.00}. Again, I did not do this - after XXXX I received the {$230.00} on my credit card and they still expect me to pay this. I did not do this! 

Do I contact XXXX again? What do I do? Credit card company is no help. Don't have anything really to attach - I did not authrorize this!

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 2024-02-01 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was in a natural disaster, forbearance with rocket mortgage due to losing my home in hurricane and XX/XX/XXXX. I checked in every month like I was supposed to, and cooperated fully with the forbearance. In XX/XX/XXXX I did my check in and told I was approved through XX/XX/XXXX for the forbearance. I have a document to prove this. in XXXX, I was called and told it was a mistake that my forbearance was not supposed to go past XX/XX/XXXX. I was told that I could do a loan modification and that my first payment would not be due until XXXX so it would be similar in that. I would not have to pay anything for XXXX or XXXX as if I was still in the forbearance. I signed the loan modification paperwork and rocket mortgage, then reported to my credit that I was over 180 days past due. My credit score tanked. I tried to resolve this with rocket mortgage but they state their investor is unwilling to fix my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient shared written communication on XX/XX/XXXXXXXX  that they removed {$30000.00} from my XXXX account since year XXXX and applied it to another person 's account without my consent or the other person 's knowledge. 

To correct the problem, Navient issued a partial check in the amount of $ XXXX that I deposited on XX/XX/XXXXXXXX  and someone closed the CFPB case # XXXX XXXX XXXX on the same day. I have reached out to Navient regarding remittance of the $ XXXX balance, to no avail. 

For your convenience, I have attached their letter and transaction logs where they admitted removing the monies. 

I would like the fund returned ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, XXXX, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
Roundpoint Mortgage Servicing LLC ended up sending me advertisements in the same mail as my tax documents for a third party. I got a XXXX XXXX XXXX XXXX advertisement included with my official Annual Tax and Interest Statement 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 2024-02-01 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Based on my credit report the account was falsely opened in 2021 at XXXX. The only interaction that I had with this club was a free trial. To acquire a free trial I had to provide first name last name and Identification and sign for the trial, this was explained to me by the front desk person at the time. 

I never agreed, or signed any binding contract beyond a trial basis. 

The company Allied is now collecting for a debt that I simply was not aware i ever acquired and says that it is for XXXX XXXX month term. total amount owed was XXXX I have never made and payments towards this balance because I was under the impression it was only a trail. I had decided that the XXXX wasn't for me after XXXX day trial and i didn't want to sign up for a membership. 

This account was opened on false pretenses of a trial and was a bait and switch situation. I was mislead in the trail and now they are repotting to my credit

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Date and Time of fraudulent charge : XX/XX/year> in the amount of {$2700.00} Received text on XX/XX/year>, replied NO I called the next day XX/XX/XXXX at XXXX am and I told the Wells Fargo rep that this was a fraudulent charge Received a letter to contact Wells Fargo, called was told that my claim was under investigation On XX/XX/year> I called Wells Fargo and was told my claim was denied. I never received a call or letter regarding the denied claim. On XX/XX/year> contacted by XXXX XXXX from executive offices and was told that my claim was being reopened. Case number : XXXX Information I have shared with Wells Fargo Representatives, Fraud Claim Department, and XXXX XXXX from Executive Offices : I did not make this transaction in person as its impossible to be at two places at once I work on the XXXX XXXX XXXX XXXX and the vendor is located on the XXXXXXXX XXXX XXXX XXXX  I have a record of logging into work at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who can verify that I was working on XX/XX/year> Look at past transaction, I have never made a purchase over {$1000.00} or shop on the XXXX XXXX XXXX I have never done business with the vendor XXXX XXXX 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 monetary relief
Consumer complaint received 2024-02-01 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: IN

Complaint narrative:
From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
The company is has conducted many fcra violations of inaccurate credit reporting! I most recently reviewed my reports and noticed that there is different information being reported on the credit and which is a FCRA Credit violation according to section 15 USC 1681. On the XXXX report, it shows that I have 14 late payments. 
On my XXXX  report, it shows that I have 12 late payments. How can they even be possible with the same account??? Thats a fcra credit violation!! I went and backtrack, and this information has been reported with this non matching information for over a year!!! 

The account charged off and XXXX XXXX. The past due balance reported on XX/XX/XXXX was {$110.00} in a total balance of {$570.00} on the XXXX report with a 45 % credit usage. On XX/XX/XXXX it showed a past due balance of {$580.00} with XXXX XXXX credit usage. On today XX/XX/XXXX it shows a past due balance of {$580.00} with XXXX XXXX credit usage. 

Also, as far as the payment history for the month of XXXX XXXX XXXX, it shows no data!!! How is that possible to have no data for the month of XXXX when the account wasnt in charge off status??? as you view the attachments all of the other months have some sort of reporting information. This is another indicator that the creditor is not reporting accurate information which is a violation of my consumer rights.! And another fcra credit violation!!!! Whenever an account is charged off the creditor is not able to change the balance or the credit usage percentage once reported as a charge off account!!! 
! According to the FCRA it is a credit violation to report a charge off account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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