vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Well first things first. Our original loan was through XXXX XXXX XXXX, then some few years later we got paperwork showing that our loan was sold to Carrington Mortgage Services. That's when all of our problems began. There we a few times threw the years that we had issues with making our payments on time. But we always caught up and got back on track. Then the pandemic hits. I'm not able to work as much so of course we get behind on our payments. Then they start accumulating late fees on top of the normal monthly payment. Everything gets back to normal and we are ready to start a payment plan of sorts to get us current again. But we were being told that that was not possible. If we wanted to keep our home and land we would have to pay every missed payment with late fees at once. If we couldn't do that the monthly payments keep racking up and so do the late fees. Well XX/XX/XXXX, my now ex husband left myself and XXXX children and ran off to California. At that point I went to my church for help. They were willing to pay everything even pay out the loan completely but Carrington could never give us a dollar amount!! They told us that it changed everyday. And that we needed to request a " pay out amount '' and that would come to me via regular mail and email. I never received the pay out amounts. No, excuse me I did receive one UT by the time it got to me the amount had changed again. We went round and round with this for over a year until my house and property went into actual foreclosure. And at that point I was given an auction date. That ended up not being correct. I was then given the correct auction date and was informed that Carrington had bought back the land and house. Ever since that day XX/XX/XXXX I've been trying to get Carrington on the phone but none of the numbers worked. That's when I tried to XXXX and see if they were having phone issues. And then I stumbled on an article saying that Carrington has been under investigation since XXXX of XXXX. The complaints and reasoning g for the investigation were for the same exact things they did to me. So I found the number to the people who was investigating Carrington and I was instructed to come here and make a complaint!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I had XXXX  auto insurance. A 6month policy. I move and change my address.right before the 6 months before it was Time to renew. I paid my car insurance up to that last month. When it was time to renew it. I canceled it and did not renew it. I got another car insurance. Now a debt collector from credit collection services at XXXX XXXX XXXX is harassing for XXXX for a car insurance that I never renewed and canceled in XX/XX/year>.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ID

Complaint narrative:
Toyota Motor Credit ( TMC ) is illegally withholding {$1900.00}, which should have been posted to my auto loan account through Toyota Financial Services ( TFS ) two months ago. 
The details are as follows : On XXXX, TMC deposited a check for {$1900.00} from XXXX XXXX of XXXX, Idaho, which are funds that should have been posted directly to my loan account. I have attached a copy of the cancelled check along with the remittance advice. 

My phone conversations with Toyota Financial Services customer service representatives on their 800 number always result in a dead-end. I have been met with a series of scripted answers to explain, avoid, and delay any actions on their part. Examples of their delay excuses and tactics are as follows : They would 1 ) forward my complaint to the resolutions department, ( 2 ) complete a special form that would be sent to that department, ( 3 ) post the payment within the next 24-48 hours, ( 4 ) email the resolutions department, and ( 5 ) have a supervisor return my call, which never happened. 
Dates and times of my phone calls to resolve this matter are listed below. 
XXXX ( 22 minutes ) XXXX ( 11 minutes ) XXXX ( 21 minutes ) XXXX ( 34 minutes ) XXXX ( 42 minutes ) XXXX ( 12 minutes ) On two occasions, the representatives CONFIRMED that TMC did receive the check from XXXX XXXX but could not explain why it was not posted to my loan account. 

To date, TFS has made no attempt to post this money to my account. They must stop their illegal tactics of withholding money due to me and post the payment of {$1900.00} to my loan account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Collection Dept. at Regional Acceptance does not answer after sending last four of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left three messages with recovery with call back information that for three weeks. ( Nothing )

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
False report on equifax. Stopping me from moving in to new apartment. Already put my 30 day notice in. Need cleared now. Have letter proving balance is not mine from XXXX. Mailed to Equifax. Called CFPB filed full complaint already. Gave full details to a wonderful person who helped me. Complaint number is XXXX. Need immediate resolution described in phone conversation with consumer financial assistant. I only came here to upload the document from XXXX that I mailed Equifax. Expecting Equifax to onsite renters and straighten it out. My confirmation number with Equifax is XXXX. I expect a quick resolution, I am moving end of XXXX I already spoke to Equifax and filed a complaint and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX8 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX, and XXXX which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX, and TransUnion which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I XXXX confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as Equifax, and XXXX which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I got a deposit amd wanted to transfer fund to another account because I need it. Venmo suspended my account and won't unsuspend it or give a reason for the suspension when I call. 

Why should i be forced to deal with these losers games? 

I wont ever give any XXXX about anyone who would try to force me to focus on XXXX XXXX like a stupid suspension or ugly people like those behind this. 

Please force them to stop. Im not hurting anyone and i need this to end. I ddont deserve to have to talk to losers like them who u want nothing more from tham.for them to never be a factor ever in my life again. 

I need to access my money. I need to transfer funds. Over XXXX I earned is locked in their world Please force them to let me transfer money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I put a credit freeze with Experian during the pandemic on their advice. Their website shows options to initiate a freeze and lift freeze. 
On XX/XX/24 my furnace was inspected and I was informed it needed to be replaced. The company ( XXXX XXXX ) attempted to run my credit for financing purposes but it showed the credit freeze. I went to the Experian website to lift the freeze, which I assumed would happen immediately just as initiating it did. After 30 minutes it was still not lifted so I called Experian. The representative informed me it would be at least 48 hours, or I could pay a one time fee of $ XXXX to have it lifted immediately. I opted to wait 48 hours and asked the furnace rep to return after that time on XX/XX/24. When he did the freeze was still not lifted. I called Experian again and this time was informed I needed to submit a request in writing and there was a 2-4 week wait for a response. This means I will lose the short term discount available on the new furnace installation, and cost me several XXXX dollars. I find this unacceptable on many levels, particularly when they said they could lift it by extorting additional money from me. Do I have any other options, or any recourse against this?? Your help would be greatly appreciated.

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 2024-01-31 00:00:00
Product: Credit reporting 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:
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 for 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 a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

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 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 Please remove all non-account holding inquiries over 30 days old . 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation