vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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:
Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

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 2022-02-25 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:
Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

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 2022-02-25 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:
Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.

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 2022-02-25 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX TWICE, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX SERVICE- XX/XX/XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.

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 2022-02-25 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I've been XXXX for the times and dates of these derogatory claims and fraudulent activities on my record. I'm a victim of identity theft and fraudulent activity please look into this situation for me. I apologize for the inconvenience and unfortunate opportunity but this isn't a reflection of the person I am trying to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I would like to reopen or at least reference Case ID XXXX. 
I have received no monetary compensation from this company for there predatory and misleading practices. 

Since opening the last case I have been working with XXXX XXXX phone XXXX EXT XXXX we agreed they would wave the inspection fee with the condition that they stopped providing misleading information about removing PMI. 

However, In the last month alone I have received two more calls where I was advised by PennyMac representatives that I can remove my PMI based on current market value. 

XX/XX/2022 - XXXX advised house is apprising at {$490000.00} on XXXX and I can remove my PMI without refinancing. 
XXXX XXXX XXXX again advised I can remove my PMI based on current market value. 

The company continues to provide unsolicited misleading offers about removing PMIs and then decline to honor those offers. This is misleading and predatorily as they stand to gain monetarily and informationily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: NC

Complaint narrative:
I received a copy of my credit report and saw that USCB had attached a collection account to my credit for a delinquent account with XXXX XXXX opened XX/XX/XXXX. This does not belong to me. I contacted USCB and spoke to XXXX XXXX and stated I wanted to dispute the negative information on my credit as the account did not belong to me. I requested he mail me a validation of debt along with the original application and signature. I allowed far more than XXXX days to receive this information and I have received nothing. I then contacted USCB via the email address on their website as this is a form of electronic communication. First and foremost, the email address on their website has the wrong extension being XXXX when the correct extension is XXXX which suggests this is an intentional means to further ignore customer requests. It states on the website that the email address was to address consumer claims, however, without realizing the email address provided is incorrect, USCB simply states they received nothing. Again, this is against fair debt collection practice in addition to being in violation of the XXXX. I checked my report today XX/XX/XXXX and I noticed USCB is again attaching erroneous and fraudulent accounts to my credit report that do not belong to me. I have never done business with either company at any time. The other collection is from XXXX XXXX XXXX. This is not my account. This is reported as an account opened in XX/XX/XXXX. Again, never have I done business with this company. USCB does not send validation of debts, or the original application and signature as requested. USCB is in violation of the consumer protection laws, and they are in violation of the XXXX. I have spoken directly to USCB and I have disputed the account and they have provided no information and they have not corrected my credit report. I intend on following up and taking the necessary steps to completely and fully remedy the situation and see to it that USCB takes responsibility for the violations. There are penalties and damages imposed on debt XXXX who attempt to collect a fraudulent erroneous debt and for violating the XXXX. XXXX XXXX is the representative that I spoke directly to and I will hold him personally responsible along with USCB corporation.

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 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Regional Management Corporation
State: SC

Complaint narrative:
I couldn't afford the amount that I was owning on both of the vehicles that I was owning on ate the time because of my income has changed but now my income has been now I would love you get everything straightened out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that 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 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: NC

Complaint narrative:
Noticed a collection account from USCB. The original creditor states XXXX XXXX XXXX. I have absolutely no knowledge of this account. Requested validation of debt and original application and signature. I have received no correspondence at all. Basically, I filed a complaint about this same reason about this same debt collector. Basically, it is the same exact situation as the previous complaint filed for another erroneous debt in which documentation was requested over XXXX days ago with XXXX XXXX who has obviously ignored my request, ignored my request to dispute this information and who is further reporting inaccurate, false, erroneous information to the credit bureaus. If this is not resolved, I will seek alternative measures to remedy the situation.

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 2022-02-25 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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that 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 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I recently received a loan modification via email on XX/XX/XXXX requiring the signature of myself & co-borrower. The due date of the XXXX payment under this modification is XX/XX/XXXX. I have made several calls & sent multiple emails since XX/XX/XXXX informing Carrington Mortgage that the co-borrower has not resided at the residence since XX/XX/XXXX. 

My initial loan was through XXXX XXXX then abruptly transferred to XXXX XXXX XXXX now Carrington Mortgage as of XX/XX/XXXX. I have been on a XXXX XXXX with Carrington since XX/XX/XXXX. 

Now that the forebearance has ended, Carrington is doing as they please to make me default in my payments again that will subsequently result in the loss of my residence which I can not sign the loan modification on my own. The co-borrower will not sign due to not occupying the residence. 

I feel that Carrington is taking advantage of my XXXX XXXX & low credit score. Carrington has never offered a refinance to remove the co-borrower. Without the co-borrower 's signature, I am unable to move forward with the terms offered in the loan modification. Furthermore, Carrington 's website falsely advertises offering refinancing for new/existing customers for poor XXXX range credit scores. 

I'm in a life altering situation where I can not easily obtain a refinance offer from a different lender. The lender had also refused to voluntarily remove the co-borrower on their end. The only option that I was given to " make financial decisions '' without the co-borrower requires a quitclaim deed that I can not afford. It was explained to me that the quitclaim would serve as proof that the co-borrower has no interest in the property but would still not remove them from the loan. 

I have equity in my home so this seems to be a ploy to force me into foreclosure, short sale and/or for Carrington to ultimately benefit & collect the equity currently on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/2022 Dear Sir and/or Madam I have been trying around the clock for XXXX days to submit my complaint. Despite, advice from numerous representatives, every time I submit the complaint your system erases it, and saves failure to submit. I am XXXX, and spending XXXX hours a day for the last XXXX days trying to submit my application. I am in danger of losing my home, but I can not physically keep up with this process. Please send me an email with a fax number so that I can submit my complaint. Thank you! Kindest regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information that's still found in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
I deposited XXXX XXXX   into crypto.com via XXXX XXXX. A week or 2 later, after the money had already cleared my bank, which I have statements of, they put a negative XXXXXXXX XXXX on my account balance and said I have to pay it for my account to go back to zero balance. 
The same thing happened on 3 transactions total all around the same time a week or so after deposited. they fixed the XXXX XXXX  and XXXX XXXX Deposit issue, but left the XXXX XXXX Issue. I sent them bank statements and proof of deposit, but everyday they just say they are working on it and can not give me and answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have a loan that was originated with a now defunct company. The XXXX XXXX 's office went to court and got an injunction against the company because the loans were deemed predatory in nature, the XXXX XXXX stipulated that the company or their predecessors would modify the loan in a fair and reasonable manner. This has not been the case, the amount they are requesting is multiple the amount before the XXXX 's office got involved. I am getting the run around and they are trying to take my home. This is my third complaint to CFPB, once they are contacted by you, they have boiler room staff cutting and pasting a non sensical response to waste time to seem like they are actively trying to resolve the issue when they are really obfuscating the truth to XXXX my property from under me. I was told yesterday to call back they are working on it, only to be denied and foreclosed on. Please get on these people this is ridiculous.

Company response to consumer: Closed with explanation