vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Complaint Statement : LoanDepot purposely changed the represented payments in the closing documents to appear lower. This change in quoted taxes occurred between the first refinance quote and the closing document signing. 
A potential error rather than intentional misrepresentation is unlikely due to the following reasons : During early correspondence with the Loan Office, XXXX, in email the provided/represented tax payment amount reflected what would have been the correct taxes. This home was originally purchased 1 year prior the Origination loan withXX/XX/XXXXincluded the correct monthly tax payment estimate ) ; ; the fiscal year for XXXX XXXX is XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX advised that the provided tax assessment date of XX/XX/XXXX would have been after the closure of the alleged fiscal year XXXX and that the date of mortgage signing, XX/XX/XXXX, was a date which the updated property assessment would have been available to XX/XX/XXXXLoanDepot ( the incorrect tax assessment and tax payment estimate were as if the home were {$66000.00} rather than {$620000.00} ) ; the Title company taxes provided to LoanDepot shows the supplemental tax amount which adds up to {$620000.00} in XXXX ( This is in reference to the attached Tax Document from LoanDepot which was included in the response email to this complaint during initial, direct, contact it is the Tax Estimate calculated by the title company :XX/XX/XXXX ) ; LoanDepot conducted an appraisal of the home value and conducted an underwriting assessment which showed information such as the original loan amount from XXXX, the payments that were currently being made during underwriting, and the XXXX % difference between the incorrectly quoted tax assessments associated with XXXX % increase in monthly payments which occurred while in forebearance due to covid ( though not behind at all in payments ). 
Violations from Regulations : 12 U.S.C 2609 ( c ) ( 1 ) ( A ) and ( B ) ; 12 U.S.C 2609 ( c ) ( 1 ) ( c ) ; 12 U.S.C. 2601 ; 1026.37 ( c ) ( 5 ) of 12 CFR Part 1026 ( Regulation Z ) : ; 12 U.S.C 2609 ( d ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
A collections company named Online Information Ser showed up on my credit report with a debt showing $ XXXX dollars owed to an energy company named XXXX XXXX XXXX I have never heard of this company and did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.

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 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems is inaccurately reporting a debt on my XXXX Credit Bureau Report, in the amount of {$120.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Credit Systems I do not owe any medical debt to anyone. I requested for Credit Systems to validate the debt belongs to me by providing me with document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature.

I have repeatedly asked for evidence to support their reporting, but Credit Systems have failed to provide me with a copy of viable evidence to support their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient reported on my credit report that I was 90 days late even though Im under a forebearance and I applied for that forbearance months ago. Can you tell them to take that off of my credit report as I am currently trying to apply for work and when they run my credit they will see that. I can not get a job and pay back if that is on my credit report. Even if its a one time exception I still need that off my credit report. There are multiple remarks. I just attached one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX , has violated my rights.

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

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 2022-09-18 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: FL

Complaint narrative:
Good afternoon Team XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

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 2022-09-18 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:
Good afternoon Team EQUIFAX : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
FAILURE TO DISCLOSE THE NATURE OF THE BUSINESS RELATIONSHIP WITH THE SUPPLIED TITLE COMPANYXXXX XXXX XXXX XXXX 

LoanDepot never disclosed with me in any form of communication that XXXX  is owned by LoanDepot and created a potential conflict of interest for quality control which may have directly impacted my tax payment estimate which was incorrectly quoted during closing in XX/XX/2020 ( another CFPB complaint was opened for the specific issue of incorrect tax estimate ) Violation of Regulation : BREACH OF CONTRACT TO PROVIDE FULL DISCLOSURES OF AFFILIATED BUSINESS ARRANGEMENTS PER 12 CFR 1024.15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A credit card was opened in my name. We then received a notification of a change of address through the USPS. Also, a request was made to add an additional card holder to the account. We contacted the credit card company as soon as we received the card in the mail and had the card/account closed prior to any purchases being made.

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 2022-09-18 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: FL

Complaint narrative:
good afternoon Team Experian Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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

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 2022-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXX, Radius Global Solution Acct # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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:
good afternoon Team XXXX Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information.

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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

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 2022-09-18 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:
good afternoon Team XXXX Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is no means to unsubscribe from Experian XXXX XXXX emails. They are sending Marketing emails posing as Notification Emails. Registration is automatic in order to set up an Experian Credit Freeze. 

Example email : We found a XXXX XXXX  matching the address on your Experian membership. Confirm its your car to get started with free benefits like insurance savings, data on your car 's history, and estimated value. 

[ Email Footer ] : Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXXXXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, XXXX XXXX to your address book and avoid marking these messages as spam.

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 2022-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XX/XX/2022 : I sent money via zelle to a scammer that claimed they were buying a couch I was selling. They said they deposited {$650.00} in my account, but it was over the limit. They said they had to send {$350.00} and I had to send {$350.00} back to get my funds. 
The email is XXXX that the scammer used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Credit Bureaus have not been reporting my XXXX XXXXXXXX account timely. The last reporting for my XXXXXXXX XXXX  credit card was on XX/XX/XXXX. As of XX/XX/XXXX, there is no XX/XX/XXXX update. The Credit Bureaus claim XXXXXXXX XXXX  has not provided them with an XXXX since XX/XX/XXXX. Does XXXXXXXX XXXX provide monthly updated account information to XXXX, XXXX and Equifax? If XXXXXXXX XXXX  has Provided account information since XX/XX/XXXX, I am requesting a copy of the AUD ( Automated Universal Data or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When accounts are not updated timely this has a negative effect on my credit score by the following : 1. No credit for a monthly payment 2. Provides a stale balance. Otherwise, I am requesting a copy of the AUD XXXX XXXX  provided to the credit bureau 's for XXXX, XXXX and XXXX of XXXX. 
Additionally, Equifax has routinely refused to respond to my complaints or request stating the identifying information I provided " Does not match their records '' which is a deliberate LIE. Meaning Equifax routinely OBSTRUCTS my ability to correct the reporting they provide to lenders. 
Emailing a copy of this complaint to XXXX XXXX XXXX ( CEO ), XXXX, XXXX XXXX Executive Assistant - XXXX XXXX equifax and other board members so they can not make a PLAUSIBLE DENIABILITY claim as 94 % of Americans believe board-members MUST be personally accountable and I have every intention going after them through the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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 2022-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Im XXXX, I called Santander to inform them to come and pick up vehicle because it was involved in an accident and was not drivable. I did not want to pay for a car I could no longer drive. They eventually came to pick up vehicle and sold it according to their records for {$3400.00}. I did my due diligence and found that the car was worth {$15000.00} and now the bank wants me to pay almost close to what the car was financed for after the sale of the car ( XXXX XXXX ). I am not sure why I owe so much after they sold the vehicle which they could have sold the car for so much more making my balance next to nothing I owe.

Company response to consumer: Closed with explanation