vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Hi, I have attached emails i have sent to my " borrower advocate '' at LoanDepot. I am currently in forbearance and I am trying to exit forbearance but LoanDepot does not seem to want to accept my payment. I get sent in a circle, go talk to the borrower advocate, then yes go ahead and pay, and then it turns out I can't pay they are demanding my full 12 months of payments before I can make a mortgage payment. 

I tried to pay over the phone and kept getting sent in circles I tried to pay online and they will only accept XXXX or nothing I explained I have an application pending for homeowner assistance and I want to start to make payments but nobody will assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a mortgage with XXXX XXXX  but it is serviced by Mr Cooper. My mortgage payments are sent to Mr. Cooper. I received a " Late Notice '' dated XX/XX/2022 saying that we were in default for the month of XX/XX/2022. I called Mr. Cooper on XX/XX/2022 and spoke to a lady named XXXX, who looked up my account and said that they had not received the payment. I called Mr.Cooper again on XX/XX/2022 and spoke with a MrXXXX  who was presented to me as a supervisor. Mr XXXX said that the payment was posted XX/XX/2022. He told me that Mr. Cooper received the payment on XX/XX/2022 and my payment was posted to my account back to XX/XX/2022. There are two problems with Mr. XXXX position ( 1 ) I make my mortgage payments through a company called XXXX. XXXX, whom I called and explained the situation sent me and email showing that XXXX sent the check on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. Mr. Cooper has maintained the reason for the delay was because of the Post Office delay in delivering the mail. ( 2 ) This is the second time this has happen. The same thing happen with the XX/XX/2022 payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
We have been trying to resolve this situation with the mortgage company Selene Finance since XX/XX/XXXX. We got behind because of some personal issues. We sent a payment for 2 months and we owed 3 they sent it back in XX/XX/XXXX. 
We called and sent emails in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. When we would call we would be on hold hours and still not get a person. We would be hung up on. Our emails would be rejected saying the wrong email address, but it was taken from the web site. We mailed our loan modification request paperwork to the address on the paperwork. We could not get someone on the phone till XXXX. At that time they told us that was the wrong address and email it to them. So we did then, then we were told it was too close to the sale date to evaluate with them. Now we can not get them on the phone, we just want them to move the sale date so we can have a little more time to come up with the money. We started recording the phone calls showing them hanging up on us, giving us wrong information and just not wanting to help us. They just want out house. We have XXXX  kids and all we want to do is keep our house and we want a mortgage company to work with us to save it. They do not. Please help us if you can. I am just attaching one example of email communications that state they never went thru. We have more records and recording of our most recent phone calls to valid our case. We have been trying to resolve this situation and they have not wanted to help us. 

Thank you very much XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2022-07-08 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
I have already submitted previous complaint with no response after 30 days. 
I am able to ask for {$1000.00} for the no response per FCRA

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 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BXXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I have been using the same venmo account for a couple years. I ended receiving a large tax refund and after a week. They froze my account and have refused to disclose the reasoning behind it. I have look into terms and conditions and I can not identify which t & c I broke. I still have thousands in the account and have zero access to it. They say it would take 6 to 7 days on XXXX XXXXXX/XX/2022. And they still keep repeating that even now which is the XXXX of XX/XX/2022. The terms and conditions were unclear about how to unfreeze an account. Due to this I have already been negatively affected by this. Loss of phone service, late payment fees on rent, and inability to even get food.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: GA

Complaint narrative:
I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, XXXX, Equifax, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX  IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: TX

Complaint narrative:
Received a Square Business Debit Card ( Cash app ) issued by XXXX XXXX  in my name and sent to my home address. This was fraudulently opened as I did not apply for this card, nor do I have a business account with XXXX XXXX or Square ( Cash APP ) nor do I have a business for that matter. I opened the envelope on XX/XX/22. On XX/XX/22 I attempted to contact XXXXXXXX XXXX. I was unable to find a phone number that is answered by a live person, nor was there an option to be transferred to a live person unless I had an account with them. I was unable to find a working number for their XXXX Department. I was able to find a number for Square ( Cash App ) support. I called left a message and and was called back. Spoke with an individual at a call center who after several attempts to make him understand that I wanted to report a fraudulently opened account sent me an email with a series of questions regarding the account which I answered via email. He gave me a case number and said it would be referred to their XXXX Department. He refused to provide a number for their XXXX Department, tell me when the account was opened or what information they used to authenticate who ever opened the account. 
We requested that information in writing. In addition he refused let me speak with a XXXX. He had no idea when I would be contacted. 
Today is XX/XX/22 I have received no communication from XXXX XXXX/Sqaure ( Cash APP ) verifying that this card has in fact been cancelled and acknowledging that this was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: ERC
State: MS

Complaint narrative:
Ive never heard of this I reached out to the original creditors and submitted documentation I didnt give this company consent to place this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an 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 2022-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received XXXX credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and XXXX. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to Bank of America for XXXX XXXX XXXX. 

I have since contacted XXXX and Bank of America. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to Bank of America personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, 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 2022-07-08 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 received two credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and XXXX. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to XXXX  XXXX XXXX for XXXX XXXX XXXX. 

I have since contacted Experian and XXXX  XXXX XXXX. I spoke to personnel at XXXX XXXX XXXX and Experian, instituted a security freeze with Experian. I also spoke to XXXX  XXXX XXXX personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, 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 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I am being charged for a debt via a card I have never used or heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
This " law firm '' Reimer LawXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ) XXXX states they are legally protected to file garnishment of wages for a XXXX collection they BOUGHT XXXX XXXXXXXX. We did not agree nor sign ANYTHING regarding our XXXX taxes with this " law firm ''. We recvd one statement from them via mail, stating send {$5200.00} within 15 days of date of letter, which was XX/XX/XXXX. I recvd statement XX/XX/XXXX. 1st and ONLY communication with said " law firm ''. I sent a debt validation request to them, because AGAIN I had no information or idea whom this firm was and they DID NOT send any of the requested information back to me, however they were ignorant enough to send me a copy of the court information that anyone can screenshot off the actual court website. Not to mention that during the beginning of the covid pandemic, I spoke with XXXX from XXXX office XX/XX/XXXX ( XXXX XXXX Oh ) I explained that my work hours had been cut and the jobs we were set to complete were postponed and/or cancelled, due to the pandemic. She stated that she would note our acct and all accounts for XXXX payment plans were being put on hold until the determined time that the workforce ( ie : companies, businesses, offices, etc ) were able to get back to complete fulltime status. That is the last communication I had with XXXX. I did not contact XXXX again, bc of all the pandemic issues, illnesses and deaths happening in my family nor did I recv any type of mail, phone messages, email or information FROM XXXX regarding my account, since our phone conversation in XX/XX/XXXX. 

I have submitted a request for Judge XXXX for a hearing on this matter, case # XXXX on XX/XX/XXXX and I have also requested an AUTOMATIC STAY on any said garnishments until further notice. 
This " law firm '' should be ashamed of itself, especially in a situation where EVERYONE has been affected by the aftermath of a pandemic. If this " law firm '' works this shady, by scare tactics and ILLEGAL GARNISHMENTS, they need to be HELD RESPONSIBLE, especially during a time that our country is literally crumbling from high gas, utilities and food prices. This " law firm '' is going to meet up with others like myself, who are knowledgeable to the fact that its illegal what they are doing. These types of companies need to be held accountable for kicking the citizens while already down. Its DISGUSTING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: OK

Complaint narrative:
no idea what the debt is for!! reached out to company CAC Financial by mail, no further info was received. My medical is cover 100 % by the XXXX XXXX clinic that my family visits so there is no way to have a outstanding balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have inquiries that showed deleted but are still showing all my account that dont belong and this is Transunion also reporting on XXXX  that all of them need to be deleted and not showing on account.

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