vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: PA

Complaint narrative:
I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Checkr, its United States affiliates ( collectively, Checkr, we, us, our ) are not authorized to collect, use and share personal data about me without prior written and direct instructions from consumer. 
I recently received a notification checker sold an employer a copy of my consumer report without my written authorization XXXX XXXX, I also reviewed my consumer disclosure & consumer files and noticed Checkr reporting my non-public information. 
Checkr is not authorized to collect, use, and share public records information relating to consumer. 
Checkr has 15 days to permanently delete and remove the following records from my consumer background report, consumer disclosure and credit file upon receipt of this notice. 
Checkr must provide free copies of my consumer report, consumer disclosure and credit file showing the public records information has been deleted and removed. 
Checkr is only authorized to collect, use and share information with the prior consent and written instructions from consumer. 
Any authorized use of consumers personal data will not be tolerated. 
By sending you this notice consumer does not waive any rights to take action against Checkr for any past or future violations of the law. 
Sincerely, XXXX : XXXX All Inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
Phones on several occasions wondering why my insurance didnt pay. It was an emergency room visit and tests were done. Phoned my insurance company and they asked for the paperwork to be sent again with details about why they did the tests. Since I was in the hospital my insurance or XXXX XXXX XXXX should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Denied loan

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: United Financial Service
State: CA

Complaint narrative:
I previously submitted a complaint against UNITED FIN ( ORIGINAL CREDITOR : 09 XXXX XXXX  ). I filed an Identity Theft Report with the FTC. I followed the instructions given to me by the FTC. I sent copies to each bureau as well as the creditors instructing them per the FTC to block the accounts that were listed in my identity theft. The instructions went unnoticed and my rights as a consumer under the umbrella of the FCRA requirements for information furnished were violated. The laws that are not being followed in my case are : THEY CANT REPORT INACCURATE INFO. THEY MUST PROMPTLY UPDATE AND CORRECT ANY INACCURATE INFORMATION PREVIOUSLY TO THE CREDIT BUREAUS. 
THEY CAN'T REPORT ACCOUNTS THAT YOU HAVE PREVIOUSLY REPORTED WERE THE RESULT OF IDENTITY THEFT. 

Dating as far back as XX/XX/21 which was when I had originally filed the FTC report you can see that United Fin never acknowledged the rules and continued to report as if the law did not apply to them. I have included a copy of my credit report that shows that the errors alone in Date Last Active, Date Opened have never been corrected. I understand that a complaint I recently submitted was rejected due to the fact a complaint against this company was previously submitted, but the nature of the violation makes it so the complaint is a new one due to their won ton disregard to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My mortgage was recently transferred from XXXXXXXX XXXX  to Mr Cooper in XXXX. All of their written communications said that any payment made to XXXX before the transfer for XXXX payments would be automatically forwarded to Mr. Cooper. I made a mortgage payment for the month of XXXX to XXXX on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to Mr. Cooper. It still has not been. In order to pay my mortgage for XXXX through Mr Cooper I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which XXXX  or Mr Cooper still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have reached out on the behalf of the borrower to the last known mortgage holder to obtain a Discharge. They have provided the attached letter stating that they can not help with the Discharge. This mortgage has been paid off. 

I need to obtain a Release/Discharge for the following : Mortgage from XXXX XXXX XXXX XXXX to XXXX  as Nominee for Mortgage Master recorded with XXXX XXXX Registry of Deeds at XXXX, Page XXXX ; as assigned to GMAC Mortgage, XXXX via XXXX recorded with said Deeds in Book XXXX, Page XXXX ; and purportedly discharged by XXXX  via instrument recorded with said Deeds in Book XXXX, Page XXXX. 

Please consider this a request for a Release of Lien from Ocwen  as Servicer for GMAC Mortgage, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
My mortgage was recently transferred from Dovenmuehle Mortgage to XXXX XXXX in XXXX. All of their written communications said that any payment made to Dovenmuehle before the transfer for XXXX payments would be automatically forwarded to XXXX XXXX. I made a mortgage payment for the month of XXXX to Dovenmuehle on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to XXXX XXXX. It still has not been. In order to pay my mortgage for XXXX through XXXX XXXX I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which Dovenmuehle or XXXX XXXX still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NM

Complaint narrative:
Denied credit and company unable to provide what the approval requirements are so if they dont know how can they deny my extension of credit if they dont know criteria

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
Listed as 'Financial Planning Service ' with online search results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/2022 my Auntie XXXX XXXX used Venmo/PayPal to send me {$2200.00}. 
I was unaware that my bank " XXXX XXXX XXXX XXXX " in XXXX, Mo used a different money transfer the XXXX app to recieve money transfers. I had contacted Venmo over 12 times sending my correct email, driver 's license, 3 months of bank statements by email to the Venmo specialist team. Venmo just this last Saturday XX/XX/2022 informed me that the money was at my bank and to contact my bank, upon doing so I learned from my bank that they don't use Venmo/PayPal to ask Venmo to refund my Aunt 's {$2200.00}. My Auntie and I called today XX/XX/2022 at XXXX XXXX CT only to be told that the problem for the refund was being sent to a specialist Team for review yet again and it would take another 24 hour before I would receive an email from Venmo/PayPal to respond to the refund. The last time I made a complaint to Venmo/PayPal they told me the same thing and I had to call Venmo/PayPal back. This is going on 2 months now. Please help my Auntie XXXX get her total refund for sending my {$2200.00}, amount to send money was XXXX. If you have any questions please email me at : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
XXXX  XXXX bankruptcy has been dismissed & closed since 2016 and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking XXXX lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX  XXXX  so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email @ XXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: SC

Complaint narrative:
Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX, and XXXX/XXXX. This has caused me great XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified XXXX, XXXX, and tranunion the error

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified experian, XXXX, and XXXX the error

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 2022-09-13 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: NJ

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these 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 non-monetary relief