vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. 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 non-monetary relief
Consumer complaint received 2022-08-25 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC
State: IL

Complaint narrative:
I have attempted to get an answer from the financial institution regarding the FHA Claim proceeds that show up as an entry in my account, which show up at the same time to property was sold, and represent the amount of proceeds that would have been the difference between what was owed on the loan and the sale price of the property. 

XX/XX/XXXX Repayment to Loan Balance - FHA Claim Proceeds {$22000.00} In addition, they continue to charge against that balance for property preservation even though it has been sold since XXXX, XXXX Finance of America XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
Upon receiving loan modification in XX/XX/XXXX we agreed to the terms within the modification agreement. We had the modification agreement signed and notarized by all parties necessary. We return the modification agreement to the lender, they reviewed it signed and notarized it. The agreement was then recorded in the local county on XX/XX/XXXX. 

The agreement is now not being honored by the lender, they said that there was a notary issue. I was uncertain of the notary issue when I was sent out the same modification letter in XX/XX/XXXX. When I received that modification agreement, I contacted them and was told it was sent an error and to discard it. Now Im being told that they will not honor the original agreement from XXXX because of a notary error. If there was a notary error, why would you notarize and sign it to begin with? If there was a notary error, why would it be recorded on public record in my local county? Please remedy this ASAP.

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 2022-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
i think this company is some sort of scam. because all of the cars we've bought, have been paid off in full in less than 3 yrs. the name she said was XXXX XXXX and the number seems to be from XXXX. she first tried identifying me by asking for my name then went on to ask for my phone or cell phone numbers. and then she went for the SS #. that's when i stopped her and asked was that some sort of scheme. i just called them back because they've called daily now for about 4 days sometimes twice in one day, but never left a message. so i blocked them and called them back to see if maybe they were trying to get in touch with someone else. once i told her about the SS # she started back peddling and telling me it was an automated dialer and she would take my number off. because i told her if they were some sort of schemer i would call the police. this is their phone 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 2022-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: CO

Complaint narrative:
Hello, After Supreme Lending in XXXX, CO failed to secure a loan for us with the terms they committed to, I terminated my relationship with them on XX/XX/XXXX. They suddenly asked for 30 % down instead of 20 % down after stating the terms were acceptable. On their website, they also state that they specialize in jumbo loans with less than 20 % down. Fraudulent. 

In an email on XX/XX/XXXX ( attached ), I asked them to delete our personal data. Supreme did not respond to my request, and our personal data is still stored on their website as of this morning, XX/XX/XXXX. I am concerned they are going to sell our personal and financial records. A different mortgage broker has also secured a loan for us proving we are not the problem. Also, our new mortgage broker is unable to use the assessment done at the behest of Supreme Lending, so we also lost {$620.00}. 

We have excellent credit, high income, only revolving credit, and a high level of assets. The objection was that we had paid off our previous mortgage in XXXX, ahead of schedule. We have no car loans or student loans either. Our credit scores are each over 800. 

Supreme Lending is located at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CO XXXX and has a phone number of ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i asked both companys to remove these inquirys from my report and they keep denying me yet they havent provided me with proof of each and every inquiry from my reportas required by law

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 2022-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Recovery Services, LLC
State: GA

Complaint narrative:
Collection charged appeared on my credit from XXXX XXXX. I contacted the dentist office last year advising them that my child had to have the braces removed because he complained about the pain. The braces were removed. He has not have any services in over 18 months from this dentist office. I left with a XXXX balance. I never received any calls, emails or letters advising of a debt. A debt appears on my credit with no fair warning or communication. There was not a balance when we left this office. Please remove this fraudulent balance from my credit report. The amount is fraudulent. I do not owe anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had returned a product for which I was issued {$2200.00} on my credit card ( XXXX XXXX by Synchrony Bank ). Bank sent me a paper check to my home address which I never received. When I asked them for a replacement check, I am told that the check has already been cashed by someone in a chase account. 

I have conveyed to Synchrony Bank that it is not me ( which can also be seen from the attached check image provided to me by the bank, it is endorsed by someone else and not me ). But Synchrony Bank says they have no process of re-issuing an already cashed check. I have raised the complaint with the police authority- they advised me to share the complaint with Synchrony Bank to get a new check as all check transactions have insurance against this type of fraudulent activity. But Synchrony Bank is not cooperating and asking me to work with the Police. The detective also told me this is a low-priority matter based on the amount and check being insured entity. Additionally, the job of the police is to catch the criminal and not get the money involved ( that is for the bank to take care of ) Check is the property of Synchrony Bank then why is my money on the line when I never received it? It is technically not my money until I receive it in my account

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 2022-08-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MI

Complaint narrative:
To begin, I haven't been trying to contact a " real person '' with Experian for the past week. Upon finally getting in touch with someone on XX/XX/XXXX, he was not only rude, but of no help in trying to solve my issue. I noticed some activity on my report and immediately placed a freeze on the account and tried to get things removed ( inquiries ) that were not authorized by myself. I also contacted the company before contacting Experian. I am a customer and I contacted this company for assistance, of which I received none.

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 2022-08-25 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: NJ

Complaint narrative:
This company is reporting a inaccurate account on my consumer report and has been doing so since XXXX I have sent numerous letters since XXXX asking for validation they did not provide any procedures and steps they took to validate this account but told me it is accurate. According to the fair credit reporting act every information being reported must be 100 % accurate and verifiable

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 2022-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Our property taxes have been delinquent since XX/XX/XXXX. They are escrowed into our mortgage. My mortgage payment went up over {$200.00} due to an increase in insurance and property taxes. I have dealt with NUMEROUS people through Mr. Copper ( our mortgage company ). They have said we will get this resolved and handled ASAP. Its been a month and a half since first finding out and dealing with them, and NOTHING has been done. They keep saying they sent in payment in XXXX XXXX to My tax office. I have spoken to the tax office NUMEROUS times to find out they have not submitted any payments. The amount owed has gone up significantly due to interest. The mortgage company continually says they will get back to me on a certain date an NEVER actually do. When I try and follow up I can NEVER get the same person on the phone and have to start over with someone new. Again we have been paying more to the mortgage company to find out they arent paying. Our tax office is so EASY to get ahold of and fine out whats outstanding, but the mortgage companies acts as though there is miscommunication somewhere because the tax office has confirmed the taxes have been paid, there words to me on one specific occasion. 

I have been informed recently that the attorney that my tax office has hired will be taking the case to court effective XXXX. XXXX, 6 days from now, if they are not paid. As of today XXXX XXXX NOTHING FROM MR. COPPER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i asked both companys to remove these inquirys from my report and they keep denying me yet they havent provided me with proof of each and every inquiry from my reportas required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX  assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault I had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My mother and I share a joint checking account to pay her expenses through Bank of America. Account # XXXX. On XX/XX/2022 an unauthorized charge was made for {$0.00}. On XX/XX/2022 an unauthorized ACH was taken from the account for {$7000.00}. 
I reviewed the account on XX/XX/2022 and went into the XXXX XXXX XXXX Branch and filed an affidavit and complaint and froze the account. I was told that a credit would be issued no later than 10 business days for the unauthorized amount. Several days later a credit of {$0.00} was credited to the account. I then called on XX/XX/2022 ( after the 10th business day ) and was told that it was still under investigation and a credit should have been issued but wasn't due to the dollar amount involved in the complaint. 
I have not been contacted by Bank except for me contacting them. They do not seem to be doing a proper investigation into the matter. 
My mother passed away on XX/XX/2022 and the money was supposed to be used to pay her final expenses.

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 monetary relief
Consumer complaint received 2022-08-25 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: NY

Complaint narrative:
Equifax responded and totally ignored Athe FCRA laws put in place. The response give was long winded meant to discourage me in getting the inaccuracies removed

Company response to consumer: Closed with explanation