vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello, I seen that this account was on my credit file as a acollection and was place inyour office in XXXX 2020, however I never once recieved any notification verbally or writtena about this collection being transfered or sold to your company. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. I was never notified of the debt in 2020. 

I have mail cerfitied letter asking for debt verification and al Ihave recieved back is a bill a not anything tying your company to the debt and that you can legally collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FB FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. 

This complaint is regarding the following : Most recent incorrect submission of a major derogatory notice to the credit bureau while the loan is in forbearance Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their XXXX XXXX XXXX are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. On the XXXX calls I have had with them, I have had to repeat the complete story from the beginning. Every XXXX says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within XXXX to XXXX hours, and nothing gets resolved. 

My last call to FirstBank Mortgage was on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX who again said I will personally call you within XXXX to XXXX hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. I am still waiting on a call back as of XX/XX/XXXX. 

FirstBank Mortgages reckless credit reporting practices while my loan is in forbearance have downstream implications with my other creditors who, upon seeing major derogatory notes on my credit, have lowered the credit limits on my credit cards, severely limiting my ability to use credit while I recover from my personal financial situation. Their after-the-fact credit bureau corrections and apology letters XXXX inconsequential and of no use in negotiating with my other creditors since their actions are taken when they see these major derogatory notes submitted to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I sent a complaint to LVNV Funding LLC and RESURGENT CAPITAL SERVICES responded to my Federal Complaint. I do not have a contract with them or LLC Funding LLC for that matter. Neither of them are the Original creditors pursuant to 15 USC 1692g. 

LVNV Funding LLC must respond to CFPB Case # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 human being not a credit repair company. I reached out to Equifax about the fraud accounts and inquiries on my credit they have not investigated or fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: GA

Complaint narrative:
Cu Recovery is a debt collector attempting to collect a debt not owed. they violated my rights as federally protected consumer by not properly validating the debt pursuant to 15 USC 1692g, by using unfair practices like having their logo on the mails they sent me, pursuant to 15 USC 1692f ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
( 1 ) GoodLeap provided a loan to purchase a photovoltaic solar panel system attached to a house I recently purchased, and I assumed the GoodLeap loan as part of the purchase.

( 2 ) GoodLeap has not generated any billing statement for my account since approving my loan assumption. Further, the company does not provide an account history or balance on its website.

( 3 ) I have sent two months ' worth of payments based on my understanding of the loan terms, while waiting for GoodLeap 's records to catch up, and my account should be in good standing.

( 4 ) GoodLeap has repeatedly sent me threatening messages stating that my account is past due, and threatening to report this account delinquent to credit bureaus.

( 5 ) Over about six weeks, my repeated attempts to contact GoodLeap and resolve this matter have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I applied for an account with XXXX XXXX XXXX XXXX and will be denied if I'm unable to have this information from Chex Systems. I was told there was account reported on Chex Systems with my name, address but the wrong social security number. This account was reported by XXXX  XXXX XXXX for suspected fraud. I have been unable to get in contact with XXXX  XXXX XXXX because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local XXXX XXXX XXXX with no response. I submitted a dispute with Chex Systems and I am waiting for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX received an email from Chime that says I have an account with them and explaining their services. I sent them an email to their customer service ( or lack of service ) the same day telling them I did not open an account or authorize anyone to open an account in my name. I asked them to contact me as to how they got my name to open an account. I would not provide my name or contact information as I suspected fraud and didn't want to provide any personal information on than the email address which received the email. Their customer service is supposed to be open 24/7 according to their website. To date I have not received a response. If you call their phone number, the only option you have is to email their customer service. You can not speak to a person. A few days later I received a Visa debit card from them which I had not requested. As I had not requested an account much less a debit card and have my credit monitored, I can only assume the company is engaging in fraud opening cards in people 's names without their consent similar to XXXX XXXX a few years ago. This company needs to be fully investigated if not shut down. This is as serious as the XXXX XXXX issue if not more so. With the amount of fraud going on in this world this is very dangerous sending debit cards in the mail without any request from the recipient. The company operates without regard to the safety or finances of those who have no interest in their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 we began a dispute with our Fifth Third Mastercard. The dispute was regarding a charge for lodging that was unsafe. We were asking to be refunded the nights that we could not stay at the unsafe cabin. Fifth Third 's dispute team had to handle the dispute as opposed to Mastercard. We were notified on XX/XX/2021 that Fifth Third sided in favor of XXXX XXXX. We asked that the case be reopened and our responses to XXXX XXXX  report be considered. However, we are very concerned that Fifth Third never reviewed our responses as we got no communication from them concerning the new information. The case was reopened and, in essence, immediately closed. We never got a phone call or a letter regarding the closing of the case. We feel that Fifth Third disregarded our facts and responses. When I call the dispute department to clarify why it was closed so quickly after reopening, the associates seem irritated and impatient with me. 
We were charged {$3100.00} by XXXX XXXX and are asking a refund for the nights we did not stay which would be {$2000.00}. 
See attached documents sent to Fifth Third upon reopening of case request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
TCF bank transitioned to Huntington Bank effective today XX/XX/2021. They sent me a welcome packet dated XX/XX/XXXX stating that my account number would change, but did not disclose to me my new account number. Access to my TCF ended XX/XX/XXXX, leaving me without access to my bank account. Huntington stated that I could register online beginning XX/XX/2021 to obtain my checking account number. However this was a blatant lie, they were completely unprepared for this transition and their website does not work. Their automated system refuses to provide me with my account number. I know my account number ends in XXXX as they mailed me a new debit card, thus they have known my new account number for some time but have refused to disclose it to me. When I call in the automated system refuses to provide my new account number, and the hold time is several hours for a representative ( I'm on hold right now and have been all morning ). I would like Huntington to be fined XXXX XXXX dollars for every TCF account they have taken over and failed to disclose the new account number. They should have provided the new account number to me in the mail with their so called welcome packet instead of directing me to their website on a future date, a website that doesn't work. Huntington has caused every TCF customer pain, their transition is the opposite of smooth and simple. They need to pay a fine for their incompetence and negligence. I also feel bad for their employees that have to deal with throngs of angry customers. Please make their board of directors feel some of the pain they have inflicted on all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: WA

Complaint narrative:
I have an item on my Experian report stating I was 90 days late on ONE month in 2016 for a student loan. I without fail paid on time every single month. On this ONE month in question, I was marked 90 days late, but somehow ALL OF THE REST of the payments for the LIFE OF THE LOAN were ON TIME. Even the very next month. This is literally an impossibility. If the payment was late by even 30 days, the next month would be effected. If the payment was 60 days late, the first month would be 60 days late and the next month would be 30 days late. I have disputed this over and over and Experian refuses to help. I have even been hung up on by supervisory reps in the Experian call center. This is ILLEGAL. I have been trying to avoid the use of litigation but I now believe I have no other recourse. I also believe that because I have disputed this, my score has been kept low in retribution by Experian. If this has to go to court it will be a really difficult thing to explain to a judge how someone with ONE late payment in 2016 in an otherwise PERFECT credit history has a low score. XXXX = XXXX ; XXXX = XXXX ; EXPERIAN = XXXX. This false information is hurting me, my reputation, and costing me money in the form of higher interest rates. This needs to be removed from my report and so far Experian has refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over the last 90 days I have attempted to have my private mortgage insurance taken off my loan due to exceeding the guidelines and requirements for needing private mortgage insurance. I have exceeded over 22 % in equity Which is a requirement needed to no longer carry private mortgage insurance. I have provided fifth third bank with an appraisal and assessment that was done on XX/XX/XXXX by the Town of XXXX and is also listed as public records via the XXXX County Real Property Tax Services. The first time I sent a written request was XX/XX/XXXX via email to XXXX. They responded that my request was denied because they based the value of my home from the ORIGINAL APPRAISAL that was done at the time we purchased our home in XXXX of XXXX. For whatever reason they never pulled the most recent assessment which wouldve been easily accessible via public records. I then contacted customer service via phone and was told to resend that my written request via email and attach the appraisal assessment that I received from the Town Of XXXX and to reference the most recent XXXX county tax records. I have attached both documents below that I also sent to fifth third bank. The most recent written request I submitted was XX/XX/XXXX I was told I would receive a written response within 7 to 10 days and I did not. I just contacted them today XX/XX/XXXX and they are now telling me I need to have a Fifth Third appraiser do the appraisal and that I am responsible for paying for the appraisal. I feel they are trying to make me go through every obstacle and deterrent in hopes I give up so they dont have to remove it. I have provided them with everything they asked and more, to fulfill their request, and complete this process of having my Private mortgage insurance removed and ultimately my mortgage payment would be reduced. This is unfair, misleading, misrepresenting and I feel Ive been severely taken advantage of mentally and financially. Im sure Im not the only customer they have done this to. I have requested to speak to the correct department and they refused to transfer me to a live representative. They tell me that department doesnt take calls. I have asked to speak with a supervisor and they person I spoke with claimed to be a supervisor and there was no one higher than her I could speak with. During these tough times this is the last thing I need to be stressed out about and its cost me nothing but grief and misery during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 consumer not a credit reporting agency. This credit reporting agency from XXXX think they can violate and terrorize consumers by violating their rights and carry out aggravated identity theft on a daily basis. I have fraudulants accounts and inquiries that have been dismissed and this company doesn't think the law applies to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
When I checked my Credit score on XXXX XXXX i noticed the debt. I wrote to them to let them know that I dont know anything bout the collection. I also called and spoke to the agency to let them know. Apparently this debt has been passed over to many debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I filed a dispute with TD bank for debit card purchase. On XXXX XXXX for {$6000.00}. Against XXXX XXXX  and XXXX XXXX. After waiting for 90 days they closed the cad without providing me the refund. 
Account number is XXXX

Company response to consumer: Closed with monetary relief