vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: SC

Complaint narrative:
I am wanting to remove these two collection accounts that do not belong to me. The collections are from " XXXX XXXX XXXX ''. The two amounts are {$4000.00} and {$3400.00}. I have no knowledge of these collection accounts because they were not opened by me. I would like them removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services L.P. asserts to be the servicer for LVNV Funding LLC reporting a Collection on my credit reports for an account alleged to have originated with XXXX XXXX Bank, XXXX. 

To be clear XXXX XXXX Bank, XXXX. is not my original creditor and was never my original creditor. There is no contractual relationship in writing containing my signature for any such account that was opened with XXXX XXXX Bank, XXXX. to extend credit to me. My credit reports don't show any account that was opened by XXXX XXXX Bank, XXXX. that is Charged Off, Open, Closed, Past Due, Default, Late, or expressly any data showing a creditor relationship between myself and XXXX XXXX Bank, NA. 

Resurgent Capital Services L.P. is incorrectly confirming that an Account was charged off on XX/XX/XXXX, with a balance of {$1800.00} owed to XXXX XXXX Bank, XXXX. that is owed by me. No such evidence exists on my credit reports and not showing in my credit file. This information does not appear on my credit reports that a Charge Off balance is owed by me to XXXX XXXX Bank, XXXX. with a balance of {$1800.00}, and for any such last payment in the amount of {$90.00} was received on XX/XX/XXXX. 

Instead, Resurgent Capital Services L.P. and LVNV Funding LLC are improperly reporting a Collection account on my credit report for a balance owed to XXXX XXXX Bank, XXXX. While no Charge Off is reported by XXXX XXXX Bank, XXXX. for any such balance that is owed by me. 

Resurgent Capital Services L.P. as a servicer is falsely reporting a balance owed by me to XXXX XXXX Bank, XXXX. without validation nor a contractual agreement containing my signature. Further, XXXX XXXX Bank, XXXX. isn't reporting any such Charge Off on my credit reports that Resurgent Capital Services L.P. is claiming that is owed by me.

Causing extreme harm and damage to my credit reports. Resurgent Capital Services L.P. remains in direct violation of the Fair Debt Collections Practice Act and carrying out unfair and unconscionable means to collect and attempt to collect a debt unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions

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 2022-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
I filed a complaint regarding my mortgage company AFTER speaking with FHA and finding obvious disturbing things regarding the covid forbearance and modification on my loan. I attempted many times to contact them in reference to the information from FHA about the covid modification rules and of course, my concerns went nowhere. Especially when I said, " there was no modification filed and I did not sign a new modification ''. 

Rushmore LM filed an answer to my complaint loaded with more lies about " corporate advances '' that occurred during a bankruptcy filing and dismissal back in XXXX. After that bankruptcy, we had a modification and ALL cost involved were charged back to me in that modification, there was no " corporate advances '' to charge me again and then to say that the amount they received from the state of Missouri was to " reinstate my loan ''? WHAT? I started paying my loan back in XXXX and they received those funds in XXXX or XXXX. Can they lie anymore? 

Back to the modification. I contended that I did not sign one so, I asked for a copy of it. You can't make this up, but they actually mailed a copy of the covid modification that was NOT signed nor notarized! 

In conclusion : 1. Where's the signed and notarized covid modification?

2. Why wasn't our house principal and interest lowered 25 % according to FHA guidelines?

3. Why was their no partial claim filed?

4. Why did they collect corporate advances from a bk back in XXXX that ended in dismissal and a subsequent modification that included ALL of the legal fees? After Loss mitigation said they were owed " from the original loan in XXXX ''? Do you even know? 
5. Why was money accepted from the XXXX program, from my state, for reinstatement when my loan was already reinstated and then take corporate advances from that? Where was my notice of these corporate advances? 

I maintain now, as I did in my initial complaint that Rushmore LM has committed fraud and a full audit of all accounts, especially those who received a covid forbearance and any subsequent funds in reference to that forbearance. I am going to contact a news outlet with my concerns and perhaps get the word out to others that they might want to look at their mortgage more closely if they are being serviced by Rushmore LM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: MN

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : Transunion : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of 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 They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

TRANSUNION : Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX  : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : 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 2022-10-04 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: National Commercial Services, Inc
State: NM

Complaint narrative:
I rented computer systems for my XXXX  which I was in process of purchasing. The property owner had locked me out of the establishment. He continued to conduct business a week later under my XXXX using my computer systems. This situation did go to court. I was locked out of the establishment and was unable to return the computer systems I rented he was also still using them to run the business. Therefore, this XXXX XXXX XXXX was contacted by my lawyer and myself multiple times, advising them that it needs to be removed from my personal credit report. As this original contract for the computer rentals was originated under my XXXX. Recently received credit report for a home loan to find, the amount stating {$16000.00} total amount owed and monthly payment of {$12000.00}? this alone is an accurate total amount reported.

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My sister bounced XXXX checks to XXXX XXXX for an account in my name. XXXX XXXX closed the account. She went to Bank of America got a cashiers check for total balance owed and sent it to XXXX XXXX. Bank of America never released the cash to XXXX XXXX and told us for over three years they did. They refuse to contact me now that they have caught the mistake. I would love to go on at length about the ruin this has caused me over the last three years, but I think it must be obvious. XXXX XXXX have to live with my parents , drive 20+ year old car, obviously have no partner I can directly trace this all back to them. I also make {$70000.00} a year and still this is haunting me

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 2022-10-04 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: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
Referencing letter sent to me by XXXX XXXX XXXX XXXX  clearly states they sold to a debt collector XXXX XXXX. According to the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX all " Transferred or Sold Debt '' must be deleted. See page 10-1 of the Credit Reporting Resource Guidelines ( Attached ) Please see attached letter form XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: IA

Complaint narrative:
I have try contacting XXXX XXXX XXXX and XXXX along with original creditor as a count is stating incorrectly. creditor stated over the phone that they no longer own this account therefore they cant do anything about it. Bureaus continue to investigate and results continue to come back incorrectly. Account is stating closed {$0.00} balance {$0.00} pass due with perfect payment history and no late payments with XXXX. Yet, all three bureaus are reporting payment status as charge off with Inaccurate de last active and date last reported. Date open has changed as well. Along with missing data on date last payment yer XXXX report payment history. This is not possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We purchased a new construction home in XX/XX/XXXX. Closed on XX/XX/XXXX. We mortgaged XXXX and currently owe XXXX. 

We received an appraisal on our property, which we paid for showing that our home is worth XXXX. We are in good standing with the mortgage company and requested PMI to be removed. 

We received a letter from LoanCare XX/XX/XXXX refusing to remove PMI even though we can show our homes XXXX is less than 80 %. 

Under the homeowners protection act we are requesting that PMI be removed.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, 2022, I was booking an airfare on XXXX and was offered a Citi XXXX XXXX XXXX XXXX XXXX XXXX  Card on the screen during that process. The offer was for a {$250.00} AA Statement Credit towards an airfare, and XXXX bonus XXXX XXXX  points after {$2000.00} in purchases. I applied and I was approved for that offer and card. 

After a month, I called Citi to enquire about the status of my {$250.00} credit and XXXX points. They told me I do not qualify because I had another Citi XXXX XXXX Card within the past 48 months. 

When I asked the Citi customer service rep when I had the card, she could not find a record. I told her that to the best of my knowledge, I have not had this card in the past 48 months. I even logged onto my credit report while on the phone and couldn't find any Citi cards within the past 48 months. The rep stated that this must be an error, and filed an internal dispute. 

Today I received a letter from Citi declining to offer me the XXXX points and {$250.00} bonus. I would have never signed up for the card had I known this. Furthermore, they are incorrect - I am qualified for this card because I have not had this card in the last 48 months.

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 2022-10-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2022-10-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK OF XXXX XXXX XXXX, Account name : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX/ XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK XXXX XXXXXXXX XXXX XXXX, Account name : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
The chime Bank close my account without warning on the XXXX of XXXX right before my SSI XXXX XXXX  got direct deposited into my account and I didn't know anything about it being closed until the XXXX right on that day and they said it's because of something to do with my direct deposit and now they are hanging on to my check instead of sending it back to SSI so they can send it to me so I can have my XXXX XXXX to pay my rent and my housing cost and now it's going to cause me to be kicked out of my apartment and be homeless cuz I don't have no money and I have no way of getting any money that's all I had to keep me going for the month and to pay my bills now they're trying to say it's going to take a month just for me to get my money through them and I thought it was illegal for them to keep the deposit that come into their Bank especially when it when it's closed bank account and they're supposed to be turning it automatically to the persons that send it to them which is SSI and not hold on to it and I told him I need my money right away so I can get my rent paid and all that and they said well sorry about other inconvenience this and that and they don't care now I'm going to be homeless and I don't know what to do about getting my money or getting money to pay my rent and and the stuff that I need for my for my place I can't even get any toilet paper then on anything else cuz of what they're doing to me and everybody is going through that that has SSI XXXX XXXXs or Social Security checks I strongly suggest don't go to this Bank especially when they close you out without any warning whatsoever and I hang on your money and makes it so you can't even pay your own rent at your bills that's not right to us people that are XXXX and very heavy money to start out with

Company response to consumer: Closed with explanation