vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I am reporting an identity theft case. I disputed the fraudulent account and informed the credit agency as well the bank/collection agency ! 

It was confirmed by the bank, that the account was not affiliated with my information. Allegedly, the account was opened in 2018 with my brothers name and address the account did not even indicate my name or address. 

My brother has and never had any access to my social and is willing to file a report if needed. We believe we got hacked and someone used my social and his name and address to open said account. 

The collection agency is drs and I was reported buy XXXX XXXX for {$680.00}. Despite the different name affiliation the collection agency is refusing to inform XXXX XXXX that the account was open with a different name and XXXX XXXX refuses to help me unless the party who reported me confirms said information. 

Meanwhile, my credit is being damaged because the bank is refusing to drop the account bank confirmed wasnt in my name! 

I disputed this account and explained the situation and XXXX XXXX wrote me a letter that the collection agency claim that the account is legitimate! 

I disputed this account again and explained the situation once again how can the account be legitimate if its not even opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Company has attempted to extort me by placing a " low balance threshold '' and is refusing to allow me to access my online account unless I call in with all types of security questions about the card I have- is engaging in predatory behavior & is refusing to allow online access without a voice response after numerous letters & emails have been received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: IL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inquiries on my credit report that I don't have knowledge of

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 2022-11-04 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: IL

Complaint narrative:
As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, XXXX or transunion any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, XXXX or Transunion have verified or updated accounts without proof of what they used to verify them. the accounts in question are XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) these accounts should be removed immediately

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 2022-11-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, Equifax or XXXX any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, Equifax or XXXX have verified or updated accounts without proof of what they used to verify them. the accounts in question are Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these accounts should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I was never properly given notice of repossession. I have a screen shot that stats your vehicle XXXX be repossessed soon on XX/XX/XXXX is when I logged in an took the photo so I had no notification at all, when vehicle was reposed during an eviction aka help from law enforcement. I demand all money paid to be returned on the loan. On top of that the ally finical has owed me a surplus since mid XXXX. They stated on 3 different occasion that they have mailed me a check. They have also stated that it will be overnighted since XX/XX/XXXX, and still no check. They illegally took vehicle and would not work out a lower payment. My pain and suffering from all this such as being XXXX having to pay for rented vehicles have far succeed {$2700.00}. Plus XXXX XXXX interest should be added since they can not prove proof of delivery of the check I have been lied to over and over about a check of {$1600.00} and now I will have to XXXX XXXX in the cold weather. The demand for pain and suffering now is {$25000.00}. I have screen shots of previous times and recordings as I stated with them please save all recordings and if they are going to record me I will record them. The notice alone saying my be repossessed soon on XX/XX/XXXX and my vehicle being repossessed that exact day is proof enough that they illegally stole my vehicle.

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 2022-11-04 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have reported the accounts as fraud and I have tried to call the organizations listed with no responses given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo participated in age discrimination as well as financial discrimination against my family due to it originating from unemployment-and attempted to abuse our personal reports

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 2022-11-04 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: Investment Retrievers, Inc.
State: CA

Complaint narrative:
This account was deleted from all of my credit reports 1 month ago. The old company sold it to a new company and now the new company has added a debt to my XXXX report. I submitted a dispute to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Complaint targetted to XXXX and M & T On XX/XX/XXXX, I initiated several XXXX transactions at M & T Bank ( Manufacturers and Traders Trust co ). After the XXXX transfer it locked my account under a fraud detection software. I called and waited on hold for XXXX hours and the representative resolved the issue and I completed the XXXX transaction. The next day I attempted to initiate another transfer and again it locked my account. I waited on hold for XXXX minutes and did not get through. That evening I called again and waited on hold for XXXX minutes and never got through. I called the regular customer service section and they said they could not help me they would need to transfer me to the fraud detection group and that I should be prepared to wait over an hour. I tried again XX/XX/XXXX and only waited XXXX minutes. I called a local branch to attempt to go in and handle the issue in person and they told me don't come, there is nothing they can do. The manager shared with me that he personally had to wait an hour and XXXX minutes for his own issue and that I should consider waking up really early on Saturday and trying to call then. 
I then called the XXXX XXXX XXXX XXXX  and they indicated that M & T " Bank '' is not really a bank and they had no jurisdiction and I would need to follow up with federal regulators. This feels deceptive to me. 
These payment are for my mother 's caregivers. She is a joint holder on the account and requires 24 / 7 coverage. When we don't pay timely they do not show up the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, am the realtor assisting borrower XXXX XXXX on a short sale for her property. ShellPoint Mortgage is the servicer and is violating state law during this settlement process. 
1. ShellPoint uses an application ( Form 710 ) for this process. The application states that " No Documentation '' is required if there is a reduction of income. However, ShellPoint Mortgage is insisting that the borrower submit bank statements and state that on page 3 there is a mention of " type of income ''. This is not mentioned anywhere on page 3. In fact, no where in the entire application does it require XXXX XXXX to provide bank statements. ShellPoint is lying during the settlement process. The borrower is not required to submit bank statements. 
See Form 710 and the ShellPoint Mortgage letter lying about their demands.

2. ShellPoint Mortgage has also stated that the Note Investor is the one demanding this income information. That investor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Certificateholders of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to act as an unlicensed mortgage servicer in Florida. 

3. Further, ShellPoint is in violation of Florida Law by demanding to see a private trust document. The recorded Land Trust Deed specifically grants the Trustee XXXX XXXX, XXXX the power to sell the property. XXXX XXXX is registered as the Manager for XXXX XXXX, XXXX in the state of Florida. ShellPoint Mortgage has no need for the private Trust agreement. See attached Deed and registration with Florida showing XXXX XXXX as the manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My information is being used all across the United States my all my government  XXXX  XXXX XXXX XXXX from XXXXXXXX XXXX has numerous off people following me using my credit in stealing everything that belongs to me she is XXXX XXXX  off age she has opened social security accounts with. My information everything she has my ID in playing with my identity right now as we speak there are XXXX  in air line tickets everything being purchased with my information there keeping me homeless out here so I want have any where to send My mail XXXX XXXX XXXX everybody there connected playing with my information there is a us bank acount open in my name that I never opened At all there are bankers inside off banks connected with these people in each city in state Connected with these people stealing my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover has failed to recognize my identity, and requested a social security card instead of issuing a card to me given other members of my family are already cardholders and their identities are established

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper has not initiated foreclosure, but threatens to weekly. My complaint is with their tactic of not applying overages towards satisfying outstanding balance on my mortgage, and instead withholding the overage ( partial payment Unapplied ) in a zero-interest escrow account that they wont apply to a Shortage until the complete Amount of said shortage is submitted. In my case, they are sitting on over {$1200.00} they should refund to me. Im going to ask for it back again today as the payment ( w penalty ) is not due for 30 days from XX/XX/22. Im short on cash given they were sent {$2500.00} of my {$3000.00} pension, leaving me little cash for food, utilities, transportation and the like. This is a tactic designed to push me to modify my loan ( which will take XXXX months total to complete ), and foreclose in the meantime. As the nations # XXXX mortgage lender, this company must be scrutinized to a higher degree! They are doing whatever they want and DC seems satisfied to let them proceed! Please, look into their partial payment unapplied scheme?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-11-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-04 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: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, I submitted a request to all three major credit companies, Equifax, XXXX, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company Equifax on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other two companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.

Company response to consumer: Closed with explanation