vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: NY

Complaint narrative:
In the early XXXX of 2023, I contacted a debt consolidation loan company that rerouted me to Clarity Debt Resolution. I initially applied for a loan, but was advised I did not qualify. Instead I was told that if I made XXXX consecutive payments of {$510.00} per month ( the estimated payment that would clear my debt in XXXX  months ), I would be eligible for a loan from their company. 

I quickly realized that was a ploy. For a point of reference I registered XXXX credit debts with this company. Within XXXX months, XXXX creditors were settled for XXXX % of the debt and XXXX creditors were in litigation. I was afforded an attorney who would represent me in the lawsuit. Interestingly enough, while I received a summons and complaint, I can not located the file on XXXX. 

When I inquired more closely to the handling and distribution of my funds, I was alarmed to find out while I paid in excess of {$5100.00} in payments, only {$1900.00} was used to settle the debts- the other $ XXXX was taken in fees between Clarity and its partnering bank - XXXX 

What was even more alarming was the fact that I was recently asked to increase my payments to {$700.00} to {$900.00} to ensure the debts in litigation can be settled. When I requested that they just agree to make payments to move the claims out of litigation, I was advised that would not take place as they felt the goal was to settle despite the fact that any delay may impose a judgment against my person. 

After regarding the plethora of complaints against the company and the CFPB complaint outlining the predatory tactics, I wanted to share my story. I am so embarrassed that I am.in this predicament as it was my only goal as a single Mom to clear my debt to be able.to save for college for my daughter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
My mortgage insurance through XXXX was not renewed on XX/XX/year> for unknown reasons. My agent that worked with XXXX  was not longer in business and I never received notification that my insurance was not being renewed. It wasn't until M & T Bank notified me that I found out. I didn't receive notice from M & T until in XXXX. I immediately called M & T to see if this was true and what I could do. The rep said I had until XX/XX/XXXX to provide them with insurance coverage. I scrambled and obtain insurance as of XX/XX/XXXX. I thought I was in the clear until I got a notice that M & T not only purchased insurance on my behalf but somehow went back in time to start effective coverage ( something us consumers can't do ). Therefore there was a lapse of coverage for 2 months. M & T made it a point to purchase the most expensive policy they could find, enough coverage for a {>= $1,000,000} ( yes XXXX XXXX dollars ) home knowing my home isn't even worth XXXX. This comes out to {$5100.00} for 2 months of insurance coverage ( that's XXXX my mortgage ). Once they updated the escrow, it was an increase of $ XXXX ( nearly 50 % increase to my mortgage. I called multiple times, spoke with a manager and filed a dispute with no luck. I asked why didn't they call or email me, they said they don't do that. I was lied to and this is obviously an attempt to take advantage of honest hard working Americans. This is my first single family house which I saved up for XXXX  years for, I'm a single father to XXXX daughters with a single income and now in jeopardy of losing my home all because a lack of communication. M & T Bank has no code of ethics or principles and only looking to rip off consumers. I have paid all my payments in full and never filed a claim yet getting treating with no respect. I strongly urge everyone to never do business with M & T Bank and plan to take legal action

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inaccurate reporting and promptly requesting for proof of claim along with investigation

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is the XXXX time and it's still inaccurate and incomplete information this account is showing ( ND ) ( CO ) ( C ) in the experian report. XXXX don't even have payment history XXXX showing no payment history. Experian has this account as an collection and charge off. XXXX and XXXX as this account as a charge off. Remove this account immediately!! So experian, XXXX and XXXX has failed to complete the inaccurate and incomplete information. Experian has the closed date XX/XX/XXXX XXXX and XXXX have XX/XX/XXXX ( XXXX ) years apart. Remove immediately! 

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 2024-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our BMO bank account was hacked 3 times in less than a month. First time for almost {$7900.00}, second time for {$6500.00} and third time for {$3500.00} for a total of {$18000.00}. Trying to get this resolved with Bank of Montreal has been a nightmare. The customer service and communication has been nonexistent ; no returned calls, no follow ups with us to keep us informed about the situation. I can't emphasize the stress that their incompetence and lack of professionalism have caused my husband and myself. We want to know who and how this has happened but BMO is unwilling to disclose any information. The bank keeps saying that BMO is " unable '' to determine the cause of the unauthorized transactions and " unable '' to provide any additional security measures. Twice, we have requested a full report of BMO 's investigation and asked for extra security measures to prevent this from happening again but both times BMO has refused to provide a report or extra protection.

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 2024-08-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
MY IDENTITY WAS STOLEN AND THE CRIMINAL WENT ON A SHOPPING SPREE. 
PURSUANT FCRA USC 1970 requires consumer reporting agencies ( CRAs ) to report consumer credit information accurately, fairly, and in a timely manner THROUGH FCRA 15 USC 1681 A-N Definition Exclusions of Contract and XXXX Liability for Willful Noncompliance. THIS INFORMATION SHOULD NOT APPEAR ON CONSUMER REPORTS. IT IS ILLEGAL. BLOCK, erase, and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports DUE TO IDENTITY THEFT AND FCRA.

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 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On or about XX/XX/year> I notified BOA bt phone that XXXX XXXX notified me that my XXXX XXXX had not been paid by BOA and was in danger of lapsing. I reached out to BOA and a rep assured me that a payment had been sent on XX/XX/year> which was well before the XXXX due date. I received a letter from my insurance company on or about XX/XX/year> advising me that my policy had lapsed for non payment. When I contacted BOA they were aware that the check had been returned for incorrect address and issued a new payment on XX/XX/year>. My insurance is in effect, however, BOA has been harassing me a treating to take funds to provide a policy for the non covered period caused by there neglect and failure to carry out their fiduciary responsibility. They are demanding proof of insurance for XXXX. I dont understand how their failure to properly manage my account can cost me and I have no recourse even after they assured me the payment was sent. I need assistance to help stop this harassment and misappropriation of my escrow funds.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have accounts reporting incorrectly on my credit report they were included in a XXXX  and is reporting wrong and its my to please gets these accounts removed from my credit report for reporting inaccurately

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Account # XXXX Credit Acceptance Corp 1602 A. States I have the right to privacy.

lon 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without n a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any oi on Any other adverse item of information, other than records of convictions of crimes which antedates t 1 years.

1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting age or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im in XXXX in regards of my credit report and how the credit reporting agencies have failed me as a consumer. Ive continuously sent out disputes for them to investigate the matter at hand and they have failed to provide me with proof of how and where they have gotten that misinformed information. The accounts are reporting negatively on my behave and id like to resolve this issue as soon as possible as this matter has gotten on for too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests. 

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification. 

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$67.00} WHY IS THERE A DATE OPENED OF XX/XX/year>? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have recently reviewed my credit report and noticed inquiries that I am not familiar with.

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