vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
In XXXX I cosigned with my daughter House and when we closed a mistake was made. According to the recorder of deeds in XXXX XXXX there was two parcels one parcel was the garage only and the other parcel was the house. At our closing we were given the garage deed only and we signed that one. Due to medical issues with my daughter she was no longer able to pay the mortgage. I tried to sell the house three times The very last time I was told about a problem with the title. I started contacting the bank that held our mortgage XXXX and Loancare to tell them there was a problem I even spoke to a manager about it. And I advised them if they were going to foreclose on The property only the garage was in our name. They started for closure in XXXX they sent a preservation company up that started working on issues in the house and at that time no one shouldve been in the house. I have been in constant contact with them they have charged {$8000.00} in fees and the house did go under contract in XXXX of this year even then no one should have been on the property. The property was still deeded to the original owners not us and not Loancare they were very well aware of it I made multiple phone calls. The house was sold and closed on XX/XX/XXXX and on that day we got the deed fixed just one week before that closing. I have multiple emails asking that they adjust the fees due to the fact they didnt have a valid title to the property to the house. I had to put out {$2700.00} of my own money to close the house and they said that they would look into reimbursing me that much I didnt even get that. I have made formal complaint through Loancare through their legal department as well. Like I said I have multiple emails and pictures of work that was charged and not done right the preservation company charge over {$3000.00} alone. I feel that the feed the foreclosure fees should never have been to anyone because I have a problem with why they would for close on a house that did not belong to them or to us. I have plenty of documentation if you need that but I want to go ahead and file this complaint against Loancare LLC thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Leviton Law Firm, Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent the wrong amount owed to a Debt collector and now the debt collector is harassing and threatening with emails to go to court on this matter. Due to the company being inactive, we consulted XXXX XXXX XXXX due to no assets within the company to sell. XXXX XXXX stated, my company owes him {$6000.00}, and then another email says {$4000.00}, none of which is accurate. XXXX XXXX threatened my company with sending me to a lawyer and send my company to court if the bill is not paid within 3 days. 

I requested paperwork for the actual amount that is owed. My company received documentation through email of the wrong amounts. I continue to request this be corrected and send the correct amount possibly owed on the bill. The documentation received from the XXXX XXXX XXXX website the amount was {$50.00} owed in place of {$6000.00}. 
XXXX and XXXX XXXX refuse to send proper paperwork but instead send false documentation over and over again. 

XXXX continues to harass my company with threatening emails and abuse of his power. I disputed this with the debt collector, and he continues to require the above amounts paid. I would like this debt collector to stop due to the correct amount owed was sent to XXXX XXXX XXXX. My company did not refuse to pay what is owed but the accurate amount is in dispute. XXXX will not provide me with the accurate paperwork either. The emails sent from his office say, I am confused about owing a debt and legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions These three accounts need to be delete two are closed and I have a delete letter for XXXX XXXX accounts And the XXXX XXXX  account is fraudulent, police report number is 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 2022-10-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and XXXX to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently Syncrony bank.

I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx 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 2022-10-18 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: GA

Complaint narrative:
XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
I am experiencing problems with lender XXXX XXXX  # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
I am experiencing problems with lender XXXX XXXX # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Comerica
State: MI

Complaint narrative:
Tried to open an account with XXXX XXXXXXXX XXXX When a background report was performed, I received a notice stating there was an account ( e.g. not determined as to what type of account ) that was opened with Comerica Bank and the amount owed was for {$1200.00}. I went to the Comerica bank across the street from XXXX XXXX in XXXX to discover there was only an account in my son 's name ( e.g. custodial account ). I did have two custodial accounts for both of my children ( e.g. savings account only, no credit card or checking accounts ) .The location on the document does not exist ( e.g. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ). I went to XXXX Police Department- was advised to contact a XXXX police station to file identity theft based on the address. At the XXXX Police XXXX XXXX precinct was advised that the address on the paperwork for Comerica does not exist in XXXX, Michigan. I was given the address for Comerica Bank in XXXX ( XXXX. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ). This address does exist in XXXX. I went to the police station 2 miles away from the location XXXX XXXX, MI and was advised they can not take the police report go to the XXXX police station because this address is in XXXX. I am getting no where with trying to obtain a police report for identity theft. I have contacted the company and they have began an investigation but it can take up to 30 days. Local Comerica branches do not have any information on me except for the custodial accounts. There is no phone number to contact someone at Comerica Bank. I was given a compliance hotline. I did not contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with TRANSUNION AND XXXX for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXXUS BKPT CT NJ XXXX Date Reported : XX/XX/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 2022-10-18 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: First Technology Federal Credit Union
State: WA

Complaint narrative:
In accordance with the fair credit reporting act First Tech account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
to whom it may concern good morning, I hope you can help me my name is XXXX XXXX I am very angry and sad about a situation with my bank wells fargo this would be the second report that I make through you the first report with number XXXX, what happened It is that they misused my account with my debit card, charges were made that I did not authorize and the bank deposited one of the claims and the other told me that I authorized them and that is false because they are the same expenses, the same claim There were two reports, one of several purchases that add up to {$3300.00} with XXXX XXXX, this one was already reimbursed to me and the other claim that was for the same situation for the amount of {$3800.00} with XXXX XXXX, they do not want to reimburse me and I do not understand why a claim does and the other does not, I would like to know why they are ensuring that I make or authorize said purchases, that is false, I never signed or gave any authorization, they are only recovering {$3300.00} when the total is {$7200.00} There is a shortfall in my account of {$3800.00}, as I mentioned, I am very upset because I need my money, it is all my savings, and because I feel that they are defaming me badly, I have read a bit on the internet and from what I understand they are responsible for charges not recognized or not authorized by the zero liability protection, I hope that through you the bank resolves me soon, I would not like to resort to other legal instances, I would also like to know why they determine and close a case without conducting an investigation, I thank you Your help I hope you have an excellent day sincerely 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 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
On XXXX XXXX I sent a certified letter to them advising them of a billing error regarding truth and lending, open and end credits, remittance coupons and federal Reserve notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX XXXX # XXXX Account ; # XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
I am experiencing a huge problem with two lenders that are reporting information on my consumers report that is in violation of my rights and caused an substantial amount of damages. DEPT OF ED/XXXX # XXXX & DEPT OF EDUCATIONXXXX # XXXX. I have contacted these companies via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

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