vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
After a contentious divorce Mr. XXXX and former tenants devised and executed a mortgage fraud scheme involving residential property located at XXXX XXXX XXXX XXXX. XXXX, Oklahoma and a forced foreclosure short sale. The scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the defrauded out-of-state owner ( ex-wife ), while guarantying tenants and rental payments to new buyers. 

Neither the official divorce decree nor final court order awarding the division of real property to the ex-wife were disclosed to the financial institutions which approved and funded the illegally refinanced ( VA backed ) mortgage loans and lines of credit.In XX/XX/XXXX, fraudulent lis pends ( foreclosure action ) copies were physically served to the ex-wife revealing her forged signature on numerous conflicting financial and legal court documents spanning from XX/XX/XXXX - XX/XX/XXXX. 

A temporary restraining order was issued against Mr. XXXX in XXXX, XXXX after he threatened his ex-wife with witnessed statements to burn down the house and collect the insurance on the disputed property. There has been no relief from the negative credit reporting, and no formal investigation or follow up response regarding the egregious interstate identity theft and unresolved VA backed mortgage fraud. 

Disputed Property Address : XXXX XXXX XXXX XXXX. 
XXXX, OK XXXX Original VA Loan Guarantor : XXXX XXXX XXXX SS # XXXX Ph : ( XXXX ) XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Firstsource Advantage , LLC on XX/XX/2019 in the amount {$200.00}. First and foremost, I have confirmed that the debt collector, Firstsource Advantage , LLC is not license in the state of Louisiana to collect on this debt. Secondly, Firstsource Advantage , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Firstsource Advantage , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Firstsource Advantage , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, approximately around XXXX XXXX I was informed by my roomate that our mail box had been broken into and the mail inside was torn into and opened, including a randomly sent credit card application form that I didn't ask for. The card was taken, but not the application form. 

I called the company that sent me the application form but I was told nothing can be done until an attempt is made to open an account. 

I also called the credit bruea and placed a lock and fraud alert on my accounts. 

I was not able to call the Postal services number due to it being the weekend.

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 2019-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Allied nterstate LLC on XX/XX/2019 in the amount {$450.00}. First and foremost, I have confirmed that the debt collector, Allied Interstate LLC is not license in the state of Louisiana to collect on this debt. Secondly, Allied Interstate LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Allied Interstate LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Allied Interstate LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$450.00}

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 2019-05-19 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: AES/PHEAA
State: VA

Complaint narrative:
I been making payments consistently on fedloans and they are not processing my payments and now my credit score went down 90 points so I cant even get a car and its because of them Ive been making my payments and its completely unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX XXXX has a XXXX event page in which a scammer posted they had some tickets for sale for about 1/2 off for two days. 
Lots of locals do this as they might change their mind at the last minute or can not attend, so it is not uncommon. So I texted the number XXXX to obtain tickets, and they texted me back. I still have copies of all communication on the text if needed. They stated they would sell me tickets for two days for {$80.00} which is about 1/2 off including a parking pass. They sent me an photo that stated XXXX XXXX was going to transfer her ticket to me but needed and paypal code for transfer. Then they gave me the email of XXXX to pay them. I sent {$80.00} but then they wrote saying they did not receive the payment which was true. It was put on hold. Then they asked me to send 1/2 of the money to another account just to assure they received payment because something was wrong with my account. When I went to try to cancel the payment, now realizing it was a scam, I could not because it was not pending. It was on hold under investigation until XX/XX/XXXX. I wrote a dispute and requested a refund from them. Of course, no response. Then PayPal sent this information to report them, so I realized their account was under investigation already. I changed my passcode on paypal, reported my concern to them and you, and posted the scam on JT music fest site. Now, my {$80.00} is stuck until it will be investigated for 90 days. 
Please investigate these scammers probably international scammers. The phone number originally had a message, then went to a disconnect. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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 went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to Transunion. 

I further called up transunion and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and Transunion for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).

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 2019-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I traded in the subject vehicle that was financed with Mercedes Benz financial services. for new XXXX. Well tell seeing dealership XXXX XXXX was infact floating notes and not paying the lienholders after they received the payoff from myself. So the dealership has my car and has not paid off the leinholder so now i have a collection with Mercedes Benz. The dealership is now under bankruptcy and the dept is still showing as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I had a life/death situation this week and including loosing my job I can no longer pay any thingat this time and wont be able to till i go back to work which is hopfully soon I am sorry to say I can not afford to do this right now I also want to mention the company should have canceled this loan beforehand after i told them twice to cancel but did not listen I the company has failed to respond to last 4 emails period and i find this unprofessional they do not seem to care at all and yet i have sent emails today no response again I want this resolved in a way were it can be XXXX out balance or put on hold with out any issues this loan should have never happened in first place I also want to mention they dont tell u the convo is recording which is illegal Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, Valley National Bank ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, Valley National Bank ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX  for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( Citizens Bank, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to Citizens Bank, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by Citizens Bank, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
Butte county credit bureau was sent 2 letters from from my attorney I filed a Chapter XXXX Bankruptcy Case XXXX-XXXX. 
Butte county credit bureau I tried to work with them on why they keep credit reporting me every month when I filed bankruptcy and they were notified it was a chapter XXXX by the attorney they told me I still owed the money and had the right to continue to credit report until it is paid in full or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I originally took out this loan and another to pay for repair parts for my RV I live in. After investigating the illegal lending practices this lender engages in, I decided to refinance both loans through my local credit union. I call Amplify Funding for a 5 day payoff amount and they did not explain the ridiculous way they handle mailed payoff checks. When I called 3 business days prior to the first payment due date to tell them to not attempt to collect the payment by EFT which was within the guidelines of loan contract, I was then told that they only pick up their mail and process any payments by check on Fridays. I expressed my frustration and outrage at this obvious attempt to charge illegally charge me with late fees and accrued interest but to no avail. After several phone calls and emails, they finally located the check and processed it on the payment due date but not before they attempted to illegally charge my checking account with the first payment twice that same day. As attempting to call this a payday loan AFTER the loan was signed, I assume they did this to avoid the laws regarding standard lending practices. The XXXX rates this company with an " F '' rating due to 33 similar complaints have been made to them regarding Amply Funding 's scams against their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
I have reached out to the company to resolve this matter as this debt does not belong to me and I have no knowledge as to whom it belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a crazy identity theft issue happen years back. The FTC gave me some great resources to fix nearly all my issues. The FTC and my local Police department helped me remove all fraudulent accounts except for one XXXX XXXX account. Equifax removed everything except for this account. I'm not sure why or if it was just a mistake. I understand they get tons of disputes daily and may have just over looked this account. 

I have again provided all the documentation I can provide. FTC identity theft report, police report, letter from XXXX member services that states this account should be removed. At this point, we're all out of ideas besides going to court but my attorney said to give the CFPB a try and see what happens before we go to court. Me and my family just want to solve this issue and get our life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed a invalid inquiry on my credit report for an account I did not apply for dating XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Back on XX/XX/2015, I purchased a Used Car from Salesperson XXXX XXXX at XXXX XXXX XXXX. The car was in fairly decent condition and I trusted them because I was purchasing from the dealer. I was given a price by Mr. XXXX which was with everything included. Little to my knowledge that I was paying {$38.00} a month for XXXX which was bundled into the full price of the car. I never asked for it nor was it ever honored when I tried to use it. I contacted XXXX XXXX XXXX and asked to speak to the manager who rudely cut me off and is never able to take my calls. At the end of it all I wouldve paid close to {$3000.00} for something that I never wanted nor that asked for. Very shady business practices. XXXX XXXX XXXX is located at XXXX XXXX   XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I review my credit report and noticed an incorrect inquiry for an account that is not mine and that I have no knowledge about. dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Back in XX/XX/XXXX I was with XXXX XXXX, I called and talked to them to cancel my service, since I was no longer under contract, I paid my last bill. I got a letter in the mail my account was closed this was also in late XX/XX/XXXX, the following month I got a bill from them for the amount of XXXX in a demand letter I refused to pa it, the account was closed and then sold to a different collection company, within 1 yr it was sold to XXXX XXXX XXXX, this was in XX/XX/XXXX, they are saying that it was in XX/XX/XXXXwhich it was not. After I asked to be put on the do not call list the calls stopped, I was getting at least 15 to 20 calls a day. Now this is now XX/XX/XXXX and they refuse to remove it from my credit report, I have informed them that once this account was sold it was no longer my account. They still refuse to remove it from my credit report as a collection debt. And it is hurting my credit score. I have disputed it over 5 times with the 3 major credit reporting agency 's it's still there, Then I contacted the 3 credit agency 's  and disputed it yet again. They refuse to remove it from my report 's. Even after I told them they were violation of the Fair credit reporting act. XXXX XXXX XXXX I WHOM I CONTACTED VIA THE DISPUTE ON THE XXXX XXXX   SITE. THEY HAVE DENIED MY DISPUTE NOW OVER 5 TIMES. I WANT THIS TAKEN CARE OF ONCE AND FOR ALL. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX   XXXX - XXXX XXXX. XXXX 6 ) XXXX   XXXX XXXX - XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX - XXXX XXXX. XXXX 6 ) XXXX XXXX XXXX - XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief