vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {XXXX}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

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 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc.
State: WI

Complaint narrative:
the appraisal for the home i bought on XX/XX/2021 had over XXXX incorrect entries. the appraiser inflated the value to match the loan and the mortgage company knew that. they with held the appraisal from me until less that 40 hours before closing so i would not have time to carefully look it over. they also charged me twice for the same fees. the home is structuraly not sound and they refused to look into it. due to this, i have lost my job, my credit is ruined and the home needs to be demolished. they have not looked into this and have offered no help in any way. the mortgage company also made my income appear to be more than what I reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Mercedes Benz Financial Services
State: MA

Complaint narrative:
I am aware that during the COVID-19 Pandemic Congress passed a bill called the CARES ACT which allowed temporary relief to certain debt situations. Payments that were late during that time could be marked with a special code or marked as on time but not late. Prior to my late payments in XXXX and XXXX of XXXX and XXXX of XXXX all of my payments were made on time. After the late payment in XXXX of XXXX I continued to maintain an excellent payment history with your company. I will continue to maintain an excellent payment history and ask that the 3 late payments mentioned above be marked with a special code ( due to the COVID-19 Pandemic ) or as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This will be my last attempt to resolve what I believe to be fraudulent activity by OCWEN. 

According to the loan modification documents, late charges would be eliminated. In addition, the 2nd lien filed with the Treasure Department for reimburse was erroneous filed. From the beginning of my complaint, Ocwen received duplicate payments from the consumer and Treasure Department for the 2nd lien filed.

Attached please find my payment history to Ocwen. It will confirm late charges included with the loan modification in addition to the 2nd lien filed with HUD. I am requesting payment in full for the 2nd lien, erroneously interest charged and unapplied payments.

If a resolution isn't reached, the next step will be DOJ, Treasure Department or Whistleblower. I find this behavior despicable when consumers work so hard and trusting a regulating industry to ensure consumers are protected. 

Please call me at XXXX ( home ) or XXXX to reach a settlement. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX I closed on my first home with a two income family. I was in a same sex marriage that didnt last so I got divorced and was remarried in XX/XX/XXXX, to my currenthusband. In XX/XX/XXXX, my husband lost his job due to XXXX XXXX XXXXssues. In XX/XX/XXXX I filed for forbearance help due to covid. Thinking I was able to keep my home, but actually was not able to, I notified my mortgage co about my bankruptcy and even told them when I was XXXX from XXXX ( XX/XX/XXXX ). My XXXX lawyer has sent the info USBank as directed, multiple times. Many phone calls and many many different representatives giving replys and directions on what they want me to have done to get a deed in lieu. So XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX documentation asking for the application for deed in lieu was submittedby XXXX XXXX XXXX XXXX XXXX and XXXX. I have copied, signed and sent in every single thing I was asked to provide. I finally got the application to file for the deed in lieu. Filled it out, signed, attached documents and ink signed, I sent it all to the direct email of USBank for documentation to them ( per their request ). As of today, XX/XX/XXXX, they want something else now, that makes no sense. I submitted the quit claim deed they asked for on the house and that isnt good enough, even though that is exactly what they asked for. I have on many occasions told them I have mental illness and that THEY ( usbank ) are causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Causing an increase in my XXXX XXXX And for what ever the reason is, usbank will NOT approve anything to get this case closed. I have an fha loan and now USBank wants something that was already provided. I've been continuously Trying to resolve the issue very much so, I called today and was cut off, talked over and transferred four times, XXXX, XXXX, XXXX and XXXX are who I spoke with. None of which were able to help resolve this with them. Two managers, XXXX XXXX and XXXX XXXX have had many messages but not one return phone call. I personally asked ms.reynolds for the paperwork needed to give the house back because I was unable to resume payments, and never got those papers either. I have been on the phone with them over an hour just today. I am on XXXX XXXX XXXX and only get a monthly check to live on. This situation is causing extra stress with the bank threatening a lien on the property because a past due water bill ( that I've been trying to get help paying ) also, my electric bill was tripled due to the last bill tacked to my new bill, and I'm on a heap/pipp budget that just got approved. It has been nothing but XXXX XXXX XXXX XXXX XXXX  USBank. I am not sure how much more I can personally take, before having another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Rausch Sturm LLP
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. This complaint is against the debt collection agency for XXXX XXXX XXXX who has lied that they have submitted a wage garnishment with the State of Florida. Raush, Sturm LLP has not filed anything with the State of Florida. Neither XXXX XXXXXXXX XXXX or Raush Sturm is supplying documentation of the alleged wage garnishment. See attached where XXXX  XXXX XXXX tries to send me to the Lawyer. All we are asking for is a copy of this wage garnishment. Why is it so hard that nobody can supply it, because there is not one. 

Raush Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LTS XXXX We have requested over and over again for proof of the court filing of this wage garnishment and there is no wage garnishment. We have spoken to the State of Florida and there was no wage garnishment filed. XXXX  XXXX XXXX is trying to pass the buck to the Plantiffs attorney. Why is nobody able to provide this proof of court filing of wage garnishment that allowed them to take the money from my bank of account? 

In order to do a wage garnishment, it must be filed with the State of Florida. That did not happen. The state of Florida has confirmed there is no wage garnishment. XXXX XXXX  XXXX and the above company can not supply a copy of the wage garnishment. There is no such document that was filed with the court. This was not legal.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello to whom this may concern. I'm making this complaint on behalf of my self. I extended my credit to TD AUTO FINANCE which TD AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir. Please see attached documents that have been sent to TD AUTO FINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
account has no details shown for XXXX XXXX. In attempt to resolve account with reporting bureau has remained unsuccessful

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed on XXXX XXXX on XX/XX/2022. I was trying to purchase XXXX XXXX Tickets and I transferred the money through Paypal and he deleted his account right after. This is his phone number XXXX. His Paypal email is XXXX and XXXX name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MN

Complaint narrative:
I have several credit inquires i did not authorize creditors will not remove when asked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
text read " - ( Bnkx0f*America= ) - debit card restricted please_contact us at XXXX to resolve this issue ''

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 2022-03-30 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: MD

Complaint narrative:
I submitted a dispute to Equifax informing them of improper collection account on my account. This was for a visit to Urgent care center. My insurance submitted payment as well me for my co pay however Equifax has not removed the account after I provided payment documentation along with my dispute request. I'm confident they didnt even review it because it came back the next day saying verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
My initial communication with MIDLAND CREDIT MANAGEMENT LLC was on XX/XX/2022, where I requested a validation of this alleged debt. The reporting of this alleged debt is a result of identity theft. I did not initiate any transaction with MIDLAND CREDIT MANAGEMENT LLC. I requested LEGAL proof that I have an obligation to MIDLAND CREDIT MANAGEMENT LLC. Also, in XXXX of 2022 I sent a Cease and Desist. Cease and Desist means ALL forms of communication including credit reporting. The amount of this alleged debt is {$2600.00} and due to the reporting of this false debt my credit score and credit worthiness has dropped immensely, currently affecting my ability to apply for a new home. I have not granted MIDLAND CREDIT MANAGEMENT LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt the claim I owe. In your companies response to my previous complaint you stated, " Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. '' You clearly left out the word LEGALLY when referring to the new third-party purchaser because you do not have the legal right. Delete this account from my consumer report or I will file suit against you for theft by deception and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I have several credit inquires i did not authorize creditors will not remove when asked

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 2022-03-30 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

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 2022-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

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 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XXXX XXXX XXXX  OneMain Financial received my letter of debt valadition via mail. I received in return an non-completed copy of a loan agreement. This agreement doesnt have any physical signatures of any party stating that this agreement is valid. 

Contract : an agreement with specific terms between two or more persons or entities in which there is a promise to do something in return for a valuable benefit known as consideration Each page will show either blank or N/A for the section of the loan agreement 15 U.S. Code 1692c - Communication in connection with debt collection 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 ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO XXXX5 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

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 2022-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation