vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XACTUS XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I have 4 loans and 23 of the payments are not being counted because loan services did not calculate payments correctly. Mohela had discard payments from XXXX. I have made 120 payments as a public service employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Name : XXXX, XXXX XXXX XXXX : {$280.00} Citation/Case Number : XXXX File/Citation Date : XX/XX/XXXX Linebarger Goggan Blair & Sampson LLP XXXX XXXX XXXX XXXX ) XXXX Or to pay online : http : XXXX XXXX SUSPENSION ( XXXX ) - Court Requirements Not Met Status : EFFECTIVE Description Effective Date Ticket Number County/State Court Address and Phone Number Click Here for information to resolve these effective court suspensions, court requirements not met. 
FAILED TO PAY TRAFFIC FINE ( PENALTY ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Your driving privilege has been suspended due to outstanding tickets in the counties indicated on the previous page. You will need to pay the outstanding tickets and a {$60.00} reinstatement fee.

Contact the county court ( s ) and arrange to make payment. You will have to check with the court ( s ) for the amount owed.

If the court does not collect the reinstatement fee, you can either take the D-6 clearance form from the court and a check for {$60.00} to your local driver license office or, you can mail a copy of the clearance form along with a check made out to DDL to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX mailing XXXX allow XXXX days after receipt for your record to be updated. After that time, revisit this site to verify that your record has been updated.

NOTE : If you paid the ticket ( s ) shown on the previous page prior to the Effective Date listed, click here. If you paid the ticket ( s ) on the previous page on or after the Effective Date listed, clic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: IN

Complaint narrative:
I received notification that my mortgage had been transferred from Essex Mortgage to Essex Mortgage, occurring on XX/XX/23. On XX/XX/23 I received a notification letter via snail mail, stating that my home owners insurance, required by contract for my mortgage, had expired and failure to remedy this problem would result in Essex Mortgage purchasing a more expensive insurance plan in my name and sending me to their debt collections department to pay them back. I called my insurance company and was notified my insurance was still active. So I called Essex Mortgage where I was told that during the " transfer '', my insurance information was lost. I was then told that I had exactly 45 days from the time of the insurance policy being lost to fix the problem before I would be sent to the Essex Debt collections department. Now, to remind, I was not notified of the issue until 41 days into this 45 day window. I asked why I was not notified via phone or email, as I have been contacted by Essex Mortgage by both in the past, email at least twice a month. I did not get an acceptable answer to this question. I was more or less told that the documents were my problem to fix and that I needed to contact my insurance and have two years of my insurance information uploaded to a link provided by Essex Mortgage. So, on XX/XX/23 I submitted the insurance documents in question. When I called Essex Mortgage on XX/XX/23, I was told it could take 48 hours for the documents to be received and due to the time I submitted them, it was likely to not be received until as late as XX/XX/23 or 44 days into the 45 day window I was given to correct their mistake. When I asked if I would be notified once the documents were received or if there were any problems with the documents, I was told another letter would be sent to me via mail. The problem being, that letter could take another month or longer to arrive, as did the last one. When I requested an email or phone call, I was told that the only form of communication would be another letter in the mail. So, should there be any problems with the documents, regardless of method of communication, I would officially miss the 45 day deadline and be sent to debt collections. 
My only ask in all this was proper and timely communication on the part of Essex Mortgage. A request that was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OR

Complaint narrative:
I was sent an application for a Discover card and I filled out the application and it stated that it would be checking my credit. It did not state it would take a hard copy of my credit. If it had stated it was going to take a hard copy of my credit I wouldve never applied and disregarded the entire application. I called Discover and she said I have to file a complaint to get this taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years. Its just insane. And she said I have to file a complaint to get this I did not know this is what they were going to do. Therefore, I have the right to tell them it is to be taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years its just so sad and puts me in a really bad place. As you know many things are not based on who you are. Its what your credit is. I am almost XXXX XXXX XXXX and XXXX. My credit score is my lifeline. I need someone to help me. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This bureau continues to publish information that is not mine on my credit file after I have disputed the information several time and asked them to remove the information. The bureau uses these variations of my name and different addresses to verify accounts that are fraudulently on my credit report.

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 2023-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
This company issued a alert with XXXX credit bureau about a fraudulent account opened in my name using my stolen identity my information was leaked due to XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX and XXXX  XXXX  this accountbwas fraudulently opened in my name please remove this account immediately I've uploaded police report ftc report and cfbp report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app offered a XXXX  card with a XXXX  theme. I did see it available for me to purchase on XXXX. I did make the purchase and got the card 10 days later. When I went to activate the card I got an error, I did contact cash app. So apparently since it was out of stock on the XXXX the card was deactivated, yet I was charged for the card on the XXXX. The card was sent deactivated en route and was not notified by cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Is Equifax just crazy or incompetent? I've tried to get assistance and they keep responding saying they've fixed something I'M NOT COMPLAINING ABOUT!! I WILL TRY ONE MORE TIME, then I will sue. This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY 37 times. In XX/XX/2018, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in 7-14 days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN has claimed to verify this account and clearly this account is inaccurate and still reporting to my consumer report when the company reporting is referring to me as a female when I am a male. I have informed EXPERIAN in the past that their inaccurate reporting could make me subject to identity theft. I have attached proof in the form of a screen shot of XXXX XXXX XXXX response to my last complaint where they purported that this debt is owed by a female. I have served XXXX XXXX XXXX with a cease and desist and the FDCPA states in 15 usc 1692c that the debt collector must cease all communication across any medium. The FDCPA defines communication as direct or indirect and forbids both. My consumer report is considered an indirect medium which would make XXXX XXXX XXXX in violation of the statute and the EXPERIAN complicit in a XXXX by attempting to collect a debt by extortionate means. Let this communication serve as documentation in the event EXPERIAN or XXXX XXXX XXXX does not respond adequately. At which time I will have irrefutable proof via this complaint of willful noncompliance and I will go to the furthest extent of the law to receive my remedy for the years of damage caused to me both financially and mentally.

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 2023-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by GB Collects in violation of FTC do not call registry rules and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Debt Collector attempting to collect debt not owed to the company. I have attempted to contact the company via phone, letter and still refuse to remove debt. This company is stating I owe {$3400.00}. This account was fraudulently opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on TransUnion is XX/XX/XXXX and XXXX is XX/XX/XXXX . The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well Equifax says XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. The creditor 's contact information is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Dave Operating, LLC
State: NC

Complaint narrative:
Multiple loans were taken out through my bank account. 
Money loan apps : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1500.00} was taken out in total of loans without my knowledge or approval through my banking checking account. 
This started in XXXX and is still ongoing. 
I have filed a police report to hopefully get money disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I paid a rate lock fee of {$8500.00}. on XX/XX/XXXX. At this time we expressed concerns about interest rates and we were assured that this wouldn't be an issue because we could always move the rate lock to another property. 

As interest rates went up and the home we were building became more unaffordable we asked Wells Fargo about possible solutions to work with us. They refused to give us any options to latitude. They continued to tell us that the deal was as it is and if we wanted to cancel and forego our rate lock fee then we could. We didn't want to cancel but wanted additional solutions. The rate lock fee agreement says the fee is refundable if the loan is denied but they refused to deny the loan even as we no longer qualified for the house. 

On XX/XX/XXXX we were told that we needed to provide updated information and consent to a new credit check by XX/XX/XXXX or they would cancel the loan and not return our rate lock fee. 

I responded on XX/XX/XXXX. At such time additional information was request with a new deadline of XX/XX/XXXX to get the new information submitted. It was not explained to us at the time that not meeting this deadline would result in a cancellation from the lender and a forfeiture of the rate lock fee. We were in the process of gathering information and they cancelled our loan and their own discretion. 

Wells Fargo chose not to deny my loan but simply cancel it so they would not have to refund my rate lock fee. These actions are predatory in nature. It is not right to take money from someone, refuse to make accommodations when external factors make it so they no longer qualify, and then cancel instead of deny the loan so they can keep the rate lock fee. 

It is not legal to retain funds for services not provided. I would like my {$8500.00} returned to me immediately.

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 2023-09-19 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 Number : XXXX 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 2023-09-19 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: 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 Account Number : XXXX Account Name XXXX XXXX  Account NumberXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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 Number : XXXX Account Name : XXXX Account NumberXXXX 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