vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pintor Partners, LP
State: TX

Complaint narrative:
We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from Barri Financial Group , LLC requesting that we pay them for the fraudulent checks they cashed. We contacted Barri Financial Group twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from XXXX, XXXX XXXX XXXX demanding payment for these fraudulent checks. Initially we thought XXXX, XXXX XXXX XXXX was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from XXXX, XXXX & XXXX labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the County. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a Law Firm. 
I have attached a copy of all the communication referenced above

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: SCA Collections, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I had funds to pay my mortgage to the Amount of {$1300.00} credited to my shellpoint Account. I requested that these funds be applied to my XXXX mortgage payment. 

I was then informed that the funds to the amount of {$500.00}, had never been placed into the Shellpoint mortgage account for XXXX XXXX XXXX XXXX, MA Loan Number XXXX account. 

I was perplexed as the amount of {$500.00} had been wired in via a wire transfer on XX/XX/2022. The agent I was speaking on the phone was insisting that the monies were not there and were never wired in. On the bank statement from XXXX, and on the wire transfer receipt. It clearly shows the amount had been debited on XX/XX/2022. 

I then went on line and found that there was no record of the {$500.00} USD on the Documents and statements by Shellpoint. After signing off and going back online, the amount magically appeared. 

I then called Shellpoint and demanded that the funds be applied to my the XXXX Mortgage. The Agent on Shellpoint refused to apply the amount and stated it was not my money, when in fact it was wired into the account on my behalf, as witnessed by the Bank Manager at XXXX Bank on XXXX XXXX, XXXX XXXX on my behalf. 

As evidence that what I am saying is really true, I am submitting the PDF generated on XX/XX/2022 showing that there was no XXXX XXXX Dollars deposited on XX/XX/2022 and the subsequent about 20 minutes later on the Same day, after I spoke with their staff showing the XXXX dollars had actually been deposited on my behalf. 

There is no valid reason, as the funds were never returned, and if Shellpoint is not applying the funds and not returning funds this is Fraud. 

I would like you to intervene, and since Shellpoint, which is servicing XXXX XXXX, has already been investigated by the Department of Justice for similar behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NV

Complaint narrative:
XX/XX/11 I reapplied for a home loan via GUARANTEE RATE. To save a property in closing/escrow XX/XX/11 from previous complaint XXXX. After making complaints of unprofessionalism and discrimination because I asked several times for options of down payment assistance program without response or guidance. Ive completed all and very task requested of me but this company has NOT return the same courtesy to me and now refuses to complete my application or respond to any of my email requests for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: DC

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from XXXX stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 XXXX XXXX XXXX ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.

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 2022-08-30 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: NC

Complaint narrative:
This is not a DUPLICATE report and this is not filed by a XXXX XXXX. 

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( XXXX ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681b ( a ) ( XXXX ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MD

Complaint narrative:
XXXX XXXX XXXX has violated my privacy rights pursuant to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: IL

Complaint narrative:
My complaint is directed to XXXX XXXX XXXX Credit Card. 
On XXXX XXXX, I took a guarantee offer from XXXX XXXX, stating that my approval odds in applying for XXXX XXXX XXXX Credit Card is outstanding and that they will credit me a {$50.00} amount if I get denied. 
I understand that this ad or promo does not guarantee me of 100 % assurance since I have had a fair share of denials in the past while I was just starting to build my credit history. To this date, I have XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and just recently, a XXXX XXXX Credit Card. All of which had an eligibility screening. Meaning, I can only apply if I am eligible. 
The main problem I have with XXXX XXXX is the illogical reasoning for my denial, they stated that I AM NOT ELIGIBLE. That should only mean that I should have not received an offer, I should have not pass an initial screening process because again, I am not at all eligible. 
It is a false or misleading act that only causes a hard inquiry on my report. The process did not even take a couple of minutes because I AM NOT ELIGIBLE. It is nonsensical of them to invite customers then just turn us down because WE ARE NOT EVEN ELIGIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under regulations 523 ( a ) ( XXXX ). A willful and malicious injury under Section 523 ( a ) ( XXXX ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is 0 according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is 0? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Experian responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY 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 explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
I have been working with the company XXXX XXXX XXXX since XX/XX/XXXX and have been making payments to them for help in repaying XXXX XXXX XXXX at a lower cost. 

On XX/XX/XXXX, a Cease and Desist letter was sent to XXXX XXXX on my behalf. I have attached the communication. 

After the letter was sent, I would receive emails from XXXX XXXX but no other communication. 

Around XXXX of XXXX, I started getting nonstop calls from XXXX XXXX requiring I contact them. They have also contacted my workplace, along with friends and family, repeatedly. 

On Monday, XXXX XXXX XXXX XXXX XXXX  sent a Notice of Legal Recourse to XXXX XXXX. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. 

I am working with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
I, XXXX XXXX XXXX, have reached out to Equifax demanding several accounts and information that did not belong to me removed from my consumer report. I never gave consent or written instruction to Equifax to furnish my information yet they assumed the role. Equifax furnished inaccurate and unfair information that violated my right to privacy as a consumer. Equifax violated both 15 USC 1681a ( XXXX ) and 15 USC 1681a ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/2022 Timeline of Bank of America ( BOA ) transaction and correspondence : XX/XX/2022 BOA withdrew from my XXXX account {$16000.00} XX/XX/2022 Called BOA to notify them that they had withdrawn the full balance vs the auto payment of {$2000.00} they confirmed the auto payment was {$2000.00} and not the full balance and that the money would be returned in XXXX business days. 
XX/XX/XXXX received a letter stating that BOA had returned XXXX to my bank account. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. Called BOA and was told money would be in my bank account XXXX business days from the XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Monday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Tuesday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account IN XXXX XXXX BUSINESS DAYS. 
If I walked into a bank and took {$16000.00} without the banks permission and the money had not been returned, would I not be arrested and prosecuted as a bank 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 monetary relief
Consumer complaint received 2022-08-30 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX I am writing in regards of disputing a denial in the account ending in XXXX. 
For claim number XXXX. The dispute was initially made on XX/XX/2022 due to an error made by a Bmo bank employee from a previous dispute claim number XXXX filed XX/XX/2022. I was told that debit card ending in XXXX would be immediately deactivated and could not further be used in dispute XXXX. Only after a transaction of {$370.00} with the same debit card ending in XXXX did not deactivate debit card ending in XXXX. I continued with the dispute and was told that I was not at fault because debit card ending in XXXX should have immediately been deactivated after dispute XXXX was filed. The transactions for debit card XXXX happened seven days after claim XXXX was filed. As shown in attached photo. With notes also attached stating such reason XXXX. Employee forgot to shut the card down .. Ive received a email stating that dispute XXXX was denied and that a provisional credit of {$370.00} would be deducted from my account as of XX/XX/2022. I am here to dispute the denial of claim XXXX reason being I no longer had possession of debit card ending in XXXX. I was also told by XXXX XXXX employee that debit card number ending in XXXX would be deactivated and could no longer be used. I can not be at fault for something I had no control over. Here are attached supporting documents regarding my claim ..as shown in both disputes attached card number ending in XXXX was used in both disputes .I would like to pursue further with a complaint against Bmo Harris Bank 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 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I requested a copy of my forbearance exit document on XX/XX/XXXX. They claim it was sent on XX/XX/XXXX but my bank did not receive the document. When I called on XX/XX/XXXX they first claimed it was sent to the wrong number. After being transferred to someone else to expedite a copy being resent, the agent then gave a conflicting story saying the report was originally sent correctly. I was given the run around and had to request the documentation to be resent.

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 2022-08-30 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: KS

Complaint narrative:
I was looking into my XXXX XXXX  Account and noticed An unauthorized hard inquiry on my credit report from XXXX XXXX XXXX XXXX. Dated XX/XX/2022. I knew I had never asked for any credit with XXXX  and had heard of XXXX XXXX XXXX. The hard inquiry only showed on the Equifax Credit report. I Immediately called them and filed a credit dispute. 
They sent me a email document showing my credit history and on page 13 of 16 appears the unauthorized credit inquiry. I called Equifax and had them freeze my credit information. The called XXXX XXXX XXXX who put me intouch with XXXX 's credit card fraud division. Who researched the fraudulent application and stopped the release of the XXXX credit card. 
XXXX is sending some sort of paperwork they want me to fill out and return but I will have to see what it entails. I have since frozen my credit reports with XXXX and XXXX also

Company response to consumer: Closed with explanation