vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We received a refund check from Truist Mortgage for remaining funds in an escrow account for my deceased parents and made payable to them. I have been trying to get the check re-issued in my name and my sister 's name for over a month without success. I have provided death certificates, wills, and deed of the sale of the house along with other pertinent information. When return calls are not received by me ( waiting on a return call since XX/XX/2022 ), I have gone into the local branch location ( on XX/XX/2022 and XX/XX/2022 ) and am still waiting. My issue has been sent to XXXX XXXX through Truist and still no return call or action taken on their behalf. Multiple calls throughout the month of XXXX and now XXXX, XXXX, XXXX, and 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 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I called XXXX at XXXX Apartments for the amount of {$2200.00} in debt on my credit. I asked for information on this debt, proof of notice being sent out to me for this debt against the fair housing act and I was told that this was sold over to a 3rd party. After many attempts to speak with someone, disputes this claim through XXXX XXXX I never received a call back from the property. I then received calls from a 3rd party vendor harrasing me to pay the full amount with credit card and it will then fall off my credit in a week. I called the apartment complex to inform them of the call I received and to verify who the account was sold over to and I was told thats not information they can provide. Please remove this off of my credit as my attempts to gather information, settle this disputes has went unrecognized and sold to different agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: RI

Complaint narrative:
ENHANCED RECOVERY # XXXX reported account on my credit report dont have any account with this company never made business and dont your customer person use my information open account with tmobile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received a voicemail stating that they are going to sue me if I do not contact their office and they will send a XXXX to my place of employment. When I contacted them they had all of my personal information but the wrong address. Their website is not valid and when I called the number the person did not answer with the companies name and their mailing address belongs to a XXXX store.

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 2022-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
I received an automated call from the number XXXX with this message This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I'm being asked to report back to you which is a concern we have put a hold on your matter at your request that is a good thing but it has expired please call us back at XXXX we will be available until XXXX PM again the number is XXXX we do need to follow up for this matter will be taken out of our hands to pay online go to www.directrecoveryservices.com and click on the pay now link your account number is XXXX I am not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: CORELOGIC INC
State: CT

Complaint narrative:
I did not authorize a hard credit check on my credit and this was not explicitly requested. Not only was this done without my permission, but it was done twice, significantly dropping my credit score.

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 2022-05-06 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:
I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over 700. On one of the reports ( experian is showing score of XXXX ) there is a closed collection account that is not mine with XXXX. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to XXXX  and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. XXXX  stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX XXXX  in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.

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 2022-05-06 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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, XXXX  XXXX 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 : It also states a consumer reporting agency can not furnish a account 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 non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I was alerted that an account was reported as in collection on my 3 credit reports. The collection company, Amsher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX reported that I had an account with XXXX XXXX in the amount of {$270.00}. I did not open this underlying account, did not receive any goods or services from XXXX XXXX, and have not knowledge or notice of the debt. I have twice attempted to dispute the legitimacy of the account, but both times XXXX has stated that the debt was valid. I also disputed the debt directly with Amsher Collection Services in writing, but have received no response. 

I have disputed this validity of this account with all three credit reporting agencies, of which XXXX has deleted the invalid account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information

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 2022-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
paypal closed my account i cant transact my money even if the 180 days have ended i don't know what is the problem. i have tried to contact them but there is no replies. hope you will help me. my paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a 1 time forgiveness of the late payment. ( Basically I had to qualify for the 1 time forgiveness ) So now in reviewing my credit report from the last update Experian gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it Experian says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT.

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.

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 2022-05-06 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 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 an account 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 non-monetary relief
Consumer complaint received 2022-05-06 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 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 an account without my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I filed a complaint about this company with CFPB on XX/XX/2021 complaint # XXXX about a alleged debt that I have disputed and continue to dispute. I requested that all collection and credit reporting cease and desist to no avail has this occurred and the alleged proof and frivolous explanation is not acceptable. 

I continue to receive unwarranted calls from this abusive agency after requesting cease and desist..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: NC

Complaint narrative:
Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I XXXX the name of the company " XXXX XXXX  XXXX XXXX XXXX XXXX '' to confirm who this debt was. It's an apartment complex I never lived in. I asked for the dates of move in-move out. I asked to provide verification of me living on this property. I was told notice will be sent to the address on file for me. I was not able to verify my current address as they denied. I have been awaiting to receive information to dispute being this is not me. I never received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXXwas the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX  Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC  for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.

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 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: PA

Complaint narrative:
Someone opened an account in my name at Key Bank.. I received a debit card for a checking account opened in my name at Key Bank. I do not or never have had an account with Key Bank. According to Key Bank, the account was opened on XX/XX/2022. I reported this to the fraud department at Key Bank and they have put a hold on the account and have started the process to close the account. This account was opened on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXXwas the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXX the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.

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