vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SG and Associates
State: MI

Complaint narrative:
On XX/XX/XXXX I received several harrassing calls back to back from this company. The company went on to reach out to family members that I did not use as references and told them that there is a legal complaint filed against me. By doing this the company is tarnishing my name and reputation by making people think I have committed a crime. I called this company back to see what this was all about they claimed to have sent me paperwork in XXXX that I never received. They then threatened to place a lien on my home and vehicle. I would like this collection matter closed out with this company due to their unlawful practices. I would like this company removed from my credit report and I would like them to cease and desist. I am also looking into taking legal action due to defamation and harassment.

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 2022-01-24 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Hello CFPB, XXXX XX/XX/XXXX I enrolled in Freedom Mortgage 's auto payment option on their website. After enrolling I did not think much about it as I put all my bills on automatic payments. It was on XX/XX/XXXX that I was notified that the XXXX payment was not received. I went through my bank records and they never took out the mortgage payment. I paid it manually as well as the month of XXXX and even paid an additional month. I called Freedom Mortgage to also inform them that the payment was made and to ask why the account was not enrolled in autopayments as I had done on their website. The representative was not much help but apologized and confirmed that the account was now set on auto payments. 
The following month in XXXX is when I found out that Freedom Mortgage had actually reported that I missed the payment for XXXX and my credit had taken a massive hit. I called Freedom Mortgage to inquire about why they reported this and how we could get it taken off. They have been nothing short of unprofessional and incompetent. They are saying that its not their mistake and that they will not remove the late payment. They are asking for " proof '' that I paid them and I have explained that there is nothing to provide since they never processed my auto payment enrollment. 
I have gone back and forth with them several times and keep getting the same response that this is not their fault and they will only correct an error on their part. Communication occurred on this with them on XXXX, and XX/XX/24. I have never experienced this level of subpar customer service and unprofessionalism from an organization. This will damage my credit for years and they will not do they slightest thing to take responsibility for their system or their actions. I have nowhere else to turn to at this point but to ask that you look into this get some sort of resolution.

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 2022-01-24 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: TX

Complaint narrative:
Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TX

Complaint narrative:
Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.

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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CSO Financial
State: OR

Complaint narrative:
Early XXXX - late XXXX I called CSO financial to set up payments on my account. 
I was told I was unable to make any payments as they were suing me- and I had a pending judgement and had to wait to be served. 

Next month my ENTIRE bank account- leaving a balance of literally {$0.00} was garnished- which is also a joint account with my husband. 
Both bank accounts to be exact. 
Total taken was about {$2500.00}. 

I had other pending charges- and bills due and now face overdraft fees, NOR have money to even buy food or gas for my children. 

No notice of garnishment. No notice of judgement - wouldnt even accept Payments when I Tried. 

I believe they should have left some money in the account- how are people supposed to live?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
-PLEASE READ CLAIM IN FULL AND COMPLETELY DO NOT TAKE LIGHTLY -ALSO PLEASE VIEW ALL ATTACHMENTS I FULLY and I mean FULLY understand my rights as a consumer and willnot be stopping until I get what is due to me, I am not a person that is going to be blown off by these generic responses. So now I will be putting you all in litigation ( I have attached my attorney general complaint to show I am extremely serious ). This is my 3rd and final complaint on this issue I have tried to solve this with you all yet you are blowing me off. I am seeking monetary compensation for furnishing inaccurate things on my credit report. You all have closed my complaint saying because you have removed the things I am not due to any monetary compensation which is not true. You have broken the law by simply inserting the things on my credit report regardless if they were deleted or not. If you followed your procedures as the FDCPA insturcted you to do to obtain maximum accuracy the things would have never been there in the first place. So therefore you have broken the law if a crime is committed then a crime is committed those things on my consumer report were up there for many months before I got them removed. Which means you have hurt my ability to obtain credit during that time by having those things furnished on my report.. So this is my writing to let you all know now I will be filling suit against you in court and my attorney general has already been contacted. I will give you 15 days to respond before I go put my lawsuit in. I am also saving all of these cfpb complaints to use as exhibits in court I have attached my attorney general complaint already to let you all know that I am serious. As well as last responded CFPB complaint as well as my initial attachemts with my notarized affidavit, certified mail receipts, invoice and prior XXXX complaints.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I have a home mortgage with Rocket Mortgage. They suddenly sent us an email on XX/XX/2022 that our mortgage will be transferred to another company called XXXX on XX/XX/2022, and Rocket Mortgage will not accept my payments starting XX/XX/2022. 

It's really a short notice ( 10 days ) which give us little time to process it, and we don't get any notice from the new company to setup account and payments yet. I think it against the regulation, and I need your help to cancel this transfer in order to avoid the troubles to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
XXXX RE : Account Number : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$230.00} XX/XX/XXXX, my phone alerted me that three different transactions had been made with my card that I did not authorize. The merchant listed on the app was XXXX I tried to make a dispute on the app when I was able to and also called to make sure it has been done properly. I have never been on that website and I did not make three different transactions on it. 
Please reopen my case and investigate this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
In ApproximatelXXXX XXXX XXXX XXXX  my Mortgage Servicing XXXX XXXX XXXX Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to Selene Finance. Selene said they had no record of the loan. It.s has taken until today and we still have no resolution because Selene is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The XXXX  and expense I am going through haven taken a toll and I want it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NY

Complaint narrative:
I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX XXXX XXXX  Account number XXXX on XX/XX/22 Experian has notified the consumer that they have completed the dispute Experian has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM 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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
TSC Accounts Receivable Solutions and XXXX XXXX MD, I had went in for cosmetic procedures and paid cash ( {$2400.00} if I recall ). After which I had significant scars from the procedure. I then received a bill for lab work which was not discussed. I called them to dispute and complain about scaring and demand the {$150.00} be removed and asked for a refund on the cash paid. I alerted them that I was filing a complaint against them with CA medical board. They then sent me to collections. I did not agree to this extra amount and have injuries from this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
In XXXX, I reached out to XXXX cruise lines about a disputed debt where products were returned but the amount was not refunded to my credit card. I put the amount in dispute with my credit card company, who found in favor of me when the cruise line did not respond during the investigation period. 

Subsequently, in XXXX, a debt collection agency attempted to collect on the debt. I reached out to them multiple times with no resolution. At the time, I then filed a complaint with the CFPB. The entire situation went radio silent. 

Now, in XXXX, a debt collector by the name of CAINE & WEINER COMPANY has posted a derogatory comment to my credit report for the amount of {$1200.00}. I have never been contacted by them nor the debt been validated. 

I reside within the state of NY, where the statute of limitations is 7 years and this so-called debt would no longer be in statute for collections. By posting to my credit report, they have violated the FCRA and their tactics over the years have violated FDCPA and UDAAP requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i receive a promotion in the mail an applied they said decline because there are too many active credit card based on my loan history. i only have a XXXX XXXX XXXX XXXX XXXX This should'nt have anything to do with my credit history, i have very good credit an they ran my credit report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, I was a victim of fraud in my Wells Fargo bank accounts. Someone obtained my identity and deposited several fake money orders to my account. The fuel lost my email

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 2022-01-24 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: CA

Complaint narrative:
I filed XXXX XXXX  Bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX  is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MI

Complaint narrative:
the name of the company is medical data systems inc ive already removed this from my credit its fraud not me ive been in michigan this is getting old i keep getting it removed and it keeps comeing back do something gabout these theifs

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 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Creditor continues to report this bad account to a third-party XXXX XXXX which is duplicating the bad debt to my credit portfolio causing a bad reputation on my profile. I have submitted police reports and reports these to be fraudulent account and to charge as bad debt. However, it continues to show on my credit profile not once but twice.

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