vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and 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 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 2022-06-24 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: GA

Complaint narrative:
This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Forced Placed Insurance Policy by US Bank National who is not the mortgagee and who should not have been servicing the account.

see attached US Bank sends me correspondence with an account number on it that is different than the original one.

I have requested that Universal Property remove the force placed policy.

see attached They refer me back to US Bank Per US Bank, the account is " closed '' see attached.

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 2022-06-24 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: CA

Complaint narrative:
I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}

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 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial
State: CO

Complaint narrative:
I have been receiving harassing phone calls from the following phone numbers : XXXX and XXXX. The person calling says, Im XXXX XXXX and we have received a complaint in your name and social security number with our department. This person does not disclose the name of the company he works for but I did manage to find out who they are collecting for Spot Loan. I have used Spot Loan and Im all paid up with them. I do have a new loan out with them currently which I am current with as we speak. I have been scammed out of a lot of money in the past! Is there anything else I can be doing besides sending in complaints? I have blocked the 2 phone numbers mentioned above?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being 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 2022-06-24 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: Kubota North America Corporation
State: AR

Complaint narrative:
The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I received a bill from penncredit corporation, l contacted them and I was told I owed XXXX XXXX, but I have never any XXXX with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with Experian They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, EXPERIAN.

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 2022-06-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I received a letter in XX/XX/2022 dated XX/XX/2022 from Fair Collections and Outsourcing, XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX, claiming that I owed a debt of {$9300.00} from a lease with " XXXX XXXX XXXX  XXXX at C '' with unit number XXXX. 
I have never lived at such a location nor have I ever entered a lease with an entity known as " XXXXXXXX XXXX XXXXXXXX XXXX at C ''. Furthermore, the letter misspelled my name, indicating that the letter is either fraudulent or that the company did not do their due diligence to locate the correct individual. 

On XX/XX/XXXX I sent a Letter to Fair Collections and Outsourcing stating that this debt is not mine and that I had no dealings with the aforementioned leasing company. I further request that they stop contacting me regarding debt collections until they sent proof that I owed this debt. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Fair Collections and Outsourcing stating that " [ my ] account has already been reported by our office or is scheduled to be reported '' to the three national credit reporting bureaus. 

Fair Collections and Outsourcing ignored my request to provide proof of debt and threatened to report me to the credit bureaus, in violation of federal law.

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 2022-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
My VA Mortgage is with Flagstar Bank. I experienced financial hardship during covid. I went on a forbearance plan. I was about to resume my mortgage payment XX/XX/XXXX. I spoke with Flagstar 's hardship team to start the process to leave the forbearance plan. They stated that I would have to get a modification to my loan to refinance the unpaid balance that had accumulated during the forbearance plan. In XXXX I received the modification paperwork. I signed it and sent it back in. Found out months later that Flagstar made some type of error on the paperwork and they would have to redo the entire modification process. Fast forward to XX/XX/XXXX the modification process was completed and finalized ; however, I am still unable to make payments via online and have to call in my payment. I have been making my mortgage payments every month since XX/XX/XXXX. This month, XX/XX/XXXX, I received a document from Flagstar that I only paid {$800.00} of my {$1300.00} mortgage yet the paper stated that my required mortgage payment was {$1400.00} even though my finalized modification states my monthly payment is {$1300.00}. I then received call from collections stating that if I don't pay the remaining balance then I my credit will be negatively impacted and I will lose my home. I made my full mortgage payment and provided the collections specialist with my XXXX mortgage payment confirmation number and told her that I can provide my XXXX banking statement to prove that Flagstar withdrew {$1300.00} ( when I called to make a payment early XXXX the hardship employee told me to pay an extra {$10.00} so I did ) on XX/XX/XXXX. She then hung up on me. I called back and another representative hung up on me when I asked for a supervisor. I then called the hardship department and asked for a supervisor. I was on hold for an hour and they said that I would need to call back another time because they are busy. I also submitted a ticket to have a supervisor call me back within 48 hours but no supervisor has tried to contact 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 2022-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-24 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and 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 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 2022-06-24 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
Equifax is reporting fraudulent inquiries on my credit report all are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: OH

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.

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 2022-06-24 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: OH

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
Equifax has failed to act on multiple documents sent to them via CFPB as well as their online dispute services. I have sent a letter from the Creditor XXXX as well as a FTC Report. 

I am requesting immediate removal of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the three major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.

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 2022-06-24 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:
This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.

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 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
For my Application # XXXX for a checking and savings account, Citizens bank emailed me an approval letter ( attached ) and subsequently and without notice locked me out of online banking. Upon calling in and being thrice transferred and a 35:00 minute wait time ( in aggregate ) I spoke to a supervisor who said a letter was mailed that my accounts had been closed. 

I was unable to reach resolution with the said supervisor to have my new checking and savings account property open and activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, I was given a fraudulent electronic check by an individual I was selling furniture too. On XX/XX/XXXX, I received {$2300.00} as a check and deposited it using Chase mobile app. The amount requested was {$1100.00} however the buyer said they were given this check in this amount as a relocation bonus from work and I can deduct the XXXX and return the rest once the check is deposited. On XX/XX/2022, I noticed the money was available in my balance at around XXXX. The buyer had reached out asking for the rest of their money. I first called Chase bank in XXXX, PA and spoke to an employee of the bank to confirm the money was available and that the check had cleared. I was told the check was cleared and that the money was good to use. I then proceeded and sent the remainder of the money to the buyer using XXXX through chase app. Later that day, around XXXX, I noticed the money was deducted from my account and when I called Chase , they said the issuers account was frozen from the other bank. The transaction turned out to be fraudulent. I called numerous times and spoke with many supervisors and explained the situation. The said that because I used XXXX, I submitted the transaction and Chase can not reimburse me. The claim was denied. I called many times again to have them understand that the issue was from Chase and not XXXX. I called Chase to get confirmation that the check was cleared and I was told it was. I would have never sent money through XXXX if I was told that the check was not fully cleared, that I should l wait. But I was given the green light which ended up with me losing {$1200.00}. After endless calls, the last claims manager understood they made a mistake but said they could not do anything about it. Please help me with this issue.

Company response to consumer: Closed with explanation