vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING and RESURGENT CAPITAL SERVICES third party debt collectors attempting to collect a debt on the basis of fraud. This notice is to inform you that you unlawfully reported fraudulent account that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. COMMUNICATION WITH THE CONSUMER GENERALLY- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S. Code 1692 c. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. Reference ID : XXXX, account # XXXX and account # XXXX fraudulently opened in my name. I am a victim of identity theft and did not open this account with LVNV FUNDING and RESURGENT CAPITAL SERVICES. I have sent LVNV FUNDING, RESURGENT CAPITAL SERVICES " DEMAND TO CEASE AND DESIST '' As this request has not been honoured and they are in VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud and Intentional act of fraud. SEEKING RELIEF AND MONETARY DAMAGES UNDER 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Intentional act of fraud. Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. I have file a lawsuit against both LVNV FUNDING and RESURGENT CAPITAL SERVICES. See you in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am trying to add funds to my account from my external account, the SAME WAY I have hundreds of time before, only today I get : Transfer unsuccessful, Access blocked for security reasons. Tried XXXX different computers, and XXXX different browsers. As usual, chat support is useless. When I call, they transfer me to an outsourced idiots who I can not understand through their thick accent because that's the kind of PATHETIC customer service this disgusting bank provides it's customers

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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I reported my phone and chime and XXXX XXXX being stolen and hacked i let chime know what was going on since I bank with them chime responded to my transaction dispute and XXXX hours n denied it promptly I explained and pleaded sent more information chime claimed they escalated my issue n someone would call me no one called not a soul but everyone messaged me I have several run around messaged and promises they were not concerned or helpful at all no one cared no one I told them I was confused and I felt discriminated against no one called the next day they denied my claim I said I would get a police report they denied it and said not enough information and pushed me off as if this never happened to me I never had someone steal and use my money as if it was me and I never have a company not care let alone message n show it in proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
Interest rates are too high that paying more or the minimum reduce the total cost of how much I owe. It would go up. And the tike to payoff loan takes much longer than usual. I would also deposit a high amount of money but with interest it does not make a difference reducing how much I owe.

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 2022-05-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We purchased our home through Quicken Loans ( rocket mortgage ) back in XXXX. Conventional loan, fixed rate. 
I was laid off in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I communicated immediately with Quicken to advise them of my situation and they recommended beginning a forbearance process. I completed paperwork and began forbearance. I quickly regained employment XXXX weeks later, and told them we didnt need to continue forbearance and we canceled that. The advisor then stated she could help us with our loan if we wanted, to lower our interest rate and lower our monthly mortgage payment. I was of course interested in saving money so she explained further that we could do a loan modification and it would lower our rate roughly 1 %, and lower our monthly mortgage payment by roughly {$100.00} a month- all we had to do is reset our loan length and change it to a XXXX XXXX XXXXI quickly signed the contract and she advised me that we would continue receiving monthly statements showing the monthly payment that would be owed, but advised us to NOT MAKE ANY PAYMENTS until they notified us otherwise. So, roughly XXXX months of zero mortgage payments- we finally received a letter stating our mortgage has been modified and our new terms were laid out : 1 % less interest, and monthly mortgage payments were {$100.00} less. 
All was well and good until I checked my credit recently and seen that the XXXX  months of payments I was advised not to pay are disclosed in my credit report as MISSED PAYMENTS! 
This has been absolutely detrimental to my credit score and now I cant purchase a new home. Currently relocating and trying to sell my home and will have no place to go! 
I called them and they sent over to an escalation department woman, who stated that in the terms of the loan modification it stated that there may be negative effects on credit health by proceeding. I had no idea this would ruin my credit, and I would have made my payments if I had not been advised to do otherwise! 
Short summary is Quicken Loans ( Rocket Mortgage ) advised me to not make payments in order to cause my delinquency, so I would meet their criteria to be accepted for a loan modification! 
Pure Fraudulence!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquires the i need deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items as soon as possible.

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 2022-05-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
I have submitted a dispute letter to Equifax on MY behalf regarding a debt they have placed on my credit report. I have asked them the following : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 
Information in dispute : XXXX XXXX Acct. # - XXXX Amt. {$93.00} Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-05-13 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: NC

Complaint narrative:
I have disputed acct ending in XXXX 2 times by transunion about 3 late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX listed on the acct and missing payment information for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I provided billing information and payments made directly from creditors website but transunion keep stating in the dispute that all the payment information is correct and verified. 

Here is 1 expample the acct ending in XXXX show late payment for XX/XX/2022, i provided payment history from credit website showing XX/XX/XXXX a payment of XXXX was made, but transunion returns last 2 disputes again saying everything from the acct is verfied and accurate. 
At this point i dont actually believe any human is reading these disputes or verifying anything using the documentation that is being provided. 

At this point i want this acct removed from my credit file because of the amount of errors and transunion ignoring the document proof showing inaccuracies for the acct in question.

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 2022-05-13 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX  Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX  Date assigned XX/XX/XXXX XXXX XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX  : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX  TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/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 2022-05-13 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner XXXXndividual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX Date assigned XX/XX/XXXX XXXX XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX FINGERHUT/WEBBANK : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months 22 days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Despite XXXX letters being sent to all the XXXX credit bureaus, as well as directly to santander. 

Santander account number XXXX is reporting information inaccurately on all XXXX credit bureaus. 

On XXXX these are the items that are reporting inaccurately : account type open date is The number of months ( terms ) Last reporting date Date of last active Date of last payment Under the fcra is it illegal to report this inaccurate information.This is affecting my ability to get credit. Section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account can not report. So this account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXXXXXX XXXX XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX : XXXX Dispute not available XXXXXXXX XXXX XXXX  icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX years XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX year XXXX  months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX days XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  months XXXX days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX months XXXX  days XXXX XXXX XXXX XXXX XXXX  XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX month XXXX XXXX XXXX # XXXX : XXXX Dispute not available XXXX XXXX  mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX day XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX XXXX XXXX XXXX  XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX FCRA violations : payments never late XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days 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