vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
Name of the company : InstaLoan at XXXX XXXX XXXX, Fl For a full year starting XXXX through the present XXXX XXXX, I has been paying around {$300.00} plus every month and until today, the amount is higher that the inicial : I toked {$2500.00} and give the my car title ( XXXX XXXX XXXX XXXX ) I call them after the XXXX XXXX  until now asking to pay less amount monthly. 
I was try to avoid their phone call and because I have only this car to go to my appointments, etc. I am a XXXX XXXX XXXX XXXX. Their answer always is negative and theyve didnt nothing for help me. 
I get the XXXX virus XXXX XXXX, plus I have a XXXX XXXX, and I explain each time for help to down my monthly payment they answer me : if you dont pay us, we will take the XXXX. That scared us ( my wife and me ) she is not working anymore after the XXXX XXXX XXXX XXXXXXXX until today XX/XX/XXXX. May you help me please? 
The car is in my name. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I was awarded mortgage assistance through my state due to the pandemic in XX/XX/2021. My award was transferred to my county for disbursement. On XX/XX/2021, I was contacted by Mr. XXXX XXXX who works for the Department of Human Services, XXXX County advising that he has been unable to get in touch with my mortgage servicer, Rushmore Loan Management, in reference to them signing a state required purchase order for the funds to be electronically sent to them. Mr. XXXX sent me a form, informing Rushmore that I authorized my state to perform this action on my behalf. On XX/XX/2021, XXXX XXXX advised that he still had not heard from Rushmore in reference to the payment. On XX/XX/2021, I spoke with a customer service manager who assured me the information was received, gave that person both Mr. XXXX 's fax number and my email address to forward the paperwork once complete. On XX/XX/2021 I spoke to another customer service representative who assured me that the form would be going out that day. On XX/XX/2021, Mr. XXXX reached out to me advising that the paperwork had still not been received on his end. On XX/XX/2021, Mr. XXXX and I both spoke to a representative named XXXX ' who informed us that both the paperwork and account were under review for possible denial? Again she took Mr. XXXX 's fax number and assured us someone would follow up. On XX/XX/2021, I spoke to another customer service representative who said there was no update and also no notes from our previous conversation with XXXX '. On XX/XX/2021, I called and was once again told there was no update. On XX/XX/2021 Mr. XXXX resent the paperwork via fax and email to XXXX. On XX/XX/2021 I called and spoke to 'XXXX XXXX who assured me someone would call me back by the end of the day. The callback I received was automated and no update was given. On XX/XX/2021, I called and spoke to XXXX XXXX who stated that my account was under review and I should have an answer by XX/XX/2021 BUT also advised that I call back on XX/XX/2021 for an update. The representative ended the call abruptly. On XX/XX/2021 I called and spoke to XXXX ' again who informed me that the incorrect department received my paperwork on XX/XX/2021 but assured me that the paperwork was in the correct department now. The case had been closed by the incorrect department on XX/XX/2021 and that processing would take another 3-5 business days. She informed me of my total amount due ( which by this point is almost double the amount of the award ) repeatedly but also denied that I was eligible for any additional assistance. She promised to call back on XXXX XXXX. This time I waited to see if I would receive a callback. No one reached out. I am afraid that Rushmore is deliberately holding off on this paperwork to foreclose on my home. I am a single parent and can not be homeless. I am not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I viewed my credit report and saw an old bankruptcy that should not be reporting. Chapter XXXX bankruptcy XXXX. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, XXXX and Experian claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and XXXX and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Citibank accounts opened up in my name. I immediately notified the Citibank fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. CitiBank continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.

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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Bank of America accounts opened up in my name. I immediately notified the Bank of America fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Bank of America continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.

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 2022-01-02 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: Regional Management Corporation
State: GA

Complaint narrative:
Regional finance reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I viewed my credit report and saw an old bankruptcy that should not be reporting. XXXX XXXX bankruptcy discharged. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, Transunion and XXXX claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and discharged and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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: GA

Complaint narrative:
XXXXXXXX XXXX reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.

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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from PORTFOLIO RC for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from XXXX XXXX for CAPITAL ONE BANK USA N A in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by I C SYSTEM from XXXX XXXX in the amount of {$1200.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

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 2022-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : DEBT RECOVERY SOLUTIONS To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrect trade line for an account from DEBT RECOVERY SOLUTIONS for SHADOW EMERGENCY PHYSICIAN in the amount of {$1700.00}. The account status show past due, which is incorrect and inaccurate. It should not say past due as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by DEBT RECOVERY SOLUTIONS is a VIOLATION of the HIPAA Act of 1996. DEBT RECOVERY SOLUTIONS did NOT provide me a HIPPA release that releases my medical information to them, therefore by SHADOW EMERGENCY PHYSICIAN providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against DEBT RECOVERY SOLUTIONS as well as SHADOW EMERGENCY PHYSICIAN should this item not be deleted within 10 business days and until the debt has been validated and verified. DEBT RECOVERY SOLUTIONS is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against RDEBT RECOVERY SOLUTIONS, SHADOW EMERGENCY PHYSICIAN, and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from DEBT RECOVERY SOLUTIONS expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C.
State: NV

Complaint narrative:
I am writing this letter in because I received a lawsuit in the mail from Law Office of James R Vaughn about a debt reported by XXXX XXXX in the amount of {$2600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and a copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several XXXX  XXXX XXXX accounts opened up in my name. I immediately notified the XXXX  XXXX XXXX fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. XXXX  XXXX XXXX continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.

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