vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
The purposes of this complaint are to : ( XXXX ) inform LoanCare and/or XXXX XXXX  XXXX  that I went to settlement on XX/XX/2022 and sold my home at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the buyer, XXXX XXXX XXXX XXXX XXXX ) request that LoanCare cease all further foreclosure proceedings since the home has now been sold, ( XXXX ) request that LoanCare remove my former attorney, XXXX XXXX  name and office address as the primary point of contact for my account. XXXX XXXX office address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Her cell phone number is ( XXXX ) XXXX and her office number is ( XXXX ) XXXX. Please note that XXXX XXXX is no longer representing me since the Declaratory Judgment and Order Quieting Title was issued by Judge XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. ( XXXX ) request that effective immediately, all correspondence from LoanCare and XXXX XXXX XXXX should be sent to me at XXXX Smooth XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I can be contacted on my cell phone number at ( XXXX ) XXXX and by E-Mail at XXXX ( XXXX ) request that LoanCare remove the cease and desist notice from my account, ( XXXX ) request that LoanCare remove all fees and penalties from my account retroactive from XX/XX/2022 to present due to submission of my previous request for forbearance on XX/XX/2022, ( XXXX ) provide a copy of my mortgage loan payoff statement to me by E-Mail at XXXX and ( XXXX ) provide two separate invoices for attorney fees, one related to the XXXX XXXX XXXX and a separate invoice related to the foreclosure that was prevented by the sale of my home on XX/XX/2022.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/22 i issued a {$10000.00} check to my broker ( XXXX XXXX XXXX ) from my personal CHASE account on XX/XX/22 i was contacted by XXXXXXXX XXXX that someone had stolen the check and attempted to deposit that check into their personal account. XXXX picked up that the check was made out to XXXX and although the money was removed from my Chase account did not credit the thief 's account. XXXX told me to contact Chase and the money ( {$10000.00} ) would be promptly returned ( deposited ) back into my account. 
on XX/XX/22 i went into my local Chase branch and filled out all the paperwork for the " unauthorized endorsemen. '' on XX/XX/22 i was told by chase that all paperwork was " mailed '' to XXXXXXXX XXXX and w/in XXXX days the money should be returned. 
the Chase claim number is XXXX I have called Chase on numerous occasions and i am being told there is nothing more they can do - we simply need to wait for XXXX XXXX to respond. i have asked why they can not return my funds to me and when XXXX decides to return the funds they would go to Chase- or in the alternative contact XXXX again to ascertain that they actually got the original paperwork -- i am told that is not the procedure. 
the system is flawed in that ( XXXX ) there is no incentive for Citizens who is holding the money to promptly return the funds and ( XXXX ) Chase owes me the money and there is no incentive for them to have the money returned to me - there should be a penalty to one or both of them for this ridiculous delay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I did not receive notice regarding this collections balance prior to the company notifying the credit agency XXXX and XXXX of this debt. I identified it via notification from the credit agency. I reached out to collections agency central portfolio on XX/XX/XXXX via phone to obtain information regarding this collections balance. Disputed with company via email XX/XX/XXXX stating that I was a victim of identity theft and provided copy of policy and FTC report I am a victim of identity theft and this collection is not mine. This has been reported to the FTC under report number XXXX. I also filed a police report when I first noticed activity related to theft in XXXX which is also attached, number XXXX XXXX XXXX XXXX 

I also never received notice of this debt so I did not have the opportunity to submit a rebuttal. Per your customer service department there are two balances XXXX XXXX XXXX XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been receiving repetitive calls from THE DELEGATES GROUP to collect dept that has been already paid. They have called my family and my empllyer to obtain information. They are rude and very pushy on the phone not even introducing themselves professionally. When I asked for a debt collection request through mail they refused to provided it. On multiple occassions they said they have Comenity bank on the other line but never connected me with them. They ask personal questions that a debt collector should not be asking. When I asked that they do not bother me while I am at work they were rude and refused to call after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: OH

Complaint narrative:
I have tried several different times to get an account deleted off of my Experian credit file due to the account being too old to be listed on the account. I am unable to dispute any information online with them nor am I able to get in contact with anyone who works with Experian. 
The Account is Listed as XXXX XXXX XXXX XXXXXXXX XXXX which was opened in XX/XX/2015. 
They also have the account listed as sold to another lender which is XXXX XXXX  which that place is not in business and there is no way that I can get in touch with them. 
For XXXX, this account is over XXXX XXXX XXXX which by law should not be listed on my trade lines. I have tried on many occasions to resolve this with Experian and is unable to get this resolved. 
Also whenever I dispute information, the dispute is resolved in less than XXXX hours which let me know that the company does not investigate the dispute properly or fairly. 
Per the FCRA, Experian is responsible for conducting a fair investigation into any dispute ; they are also by law supposed to remove accounts that are over 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 explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
It is my understanding that anyone or any company that voluntary buys debt of another removes any liability of the person owing a debt. Also, Ive never entered in any contract with LVNV FUNDING LLC. Please remove yourself from my credit report because I do not owe you anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This complaint is on behalf of my parents, they took a loan against their home with a fully paid-for home and a credit rating of XXXX my pops is a veteran, and they were paying XXXX interest, eventually, the rate after refinancing 2 times came down to XXXX Mom kept saying the bank was ripping them off. Every time that they would get to where they were no longer paying interest only the bank would tell them they needed to refinance, they were both in their XXXX and believed they had to refinance because the bank said so. Each refinances added more money they owed and they never received a penny it all went to fees etc. up to {$20000.00} A few months ago my mom passed and I took over caring for Pops, both my parents thought pops would have gone first and always said they had loan insurance so that the house would be paid off, so I looked into this with moms death, and find that the bank Wells Fargo had no loan insurance on mortgages, they refinanced at the same interest rate in 2021 taken moms name off as survive and co-signer, they made {$20000.00} dollars XXXX to my parents and increased the length of the loan, my pops would have to be XXXX yrs old to pay off the loan in addition to these issues it is a non-assumable loan .which means the bank will get the house no matter what, .My Pops is confused about the entire matter he said whenever the bank contacted him and said he needed to sign he went and signed. This is predatory I believe and this is wells Fargo

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 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
This relates to Fed Loan Servicing. First of all, NONE of their posted telephone numbers are working- when you call, it goes quiet ( no ring ), and they immediately hang up on you. It is outrageous. XXXX, XXXX. XXXX. 

I qualified for the XXXX and my loan was forgiven around XX/XX/2022. I had, in fact, made OVER 120 qualifying payments. Fed Loan told me I would be refunded the amount I have paid over the 120 payments ( ~ XXXX ). They have yet to send me my refund. I can not reach anyone at FedLoan for assistance. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: SC

Complaint narrative:
XXXX refuses to update the information in my Credit reports. All of the three accounts were in the XXXX  XXXX bankruptcy. I called them a week ago and provided them with the attorneys name and case number. I have disputed at least three times.

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 2022-12-28 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-28 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-28 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: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX submitted a collection account to XXXX, Equifax, and XXXX in the amount of {$780.00}. On XX/XX/XXXX, I agreed to settle this balance with XXXX XXXX for an amount less than owed, and submitted payment. As such, on XX/XX/XXXX, I received a " Release of Debt '' notice from XXXX 's collection agency, and each of the credit repositories began reporting the account as " legally paid for less than the amount owed '' and/or " paid after collection. '' Sometime in XX/XX/XXXX, XXXX updated this reporting to " paid after charge off, '' which is incorrect. In an effort to resolve the matter, I contacted XXXX XXXX, paid the remaining balance, and obtained a letter from the creditor confirming that the account was paid after collection. In addition, I submitted three dispute claims with XXXX, along with supporting documentation from XXXX confirming the account 's status. However, the trade line has not yet been corrected. Although my credit scores for each of the repositories are XXXX, XXXX, and XXXX, respectively, I have been denied credit since XX/XX/XXXX, from creditors that have previously granted me credit. Upon receipt of each of the Adverse Action Notices, the sole reason for denial has been the " paid after charge off '' reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Yourrecords show that account number XXXX has a balance of {$350.00}, this account is fraudulent and I am requesting you to remove this from my credit file I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file. I did not sign any documents to authorize this account I also did not authorize this company to furnish this collection account on my credit file

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: PA

Complaint narrative:
I went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX no purchase was made No consent for this credit run XXXX XXXX XXXX XXXX no consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD

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 2022-12-28 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 went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  no purchase was made No consent for this credit run XXXX XXXXXXXX XXXX XXXX- XXXX consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXXXXXX XXXX no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX no consent and nothing opened FRAUD

Company response to consumer: Closed with explanation