vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 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: TX

Complaint narrative:
To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my XXXX and TransUnion files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

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 non-monetary relief
Consumer complaint received 2022-11-11 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: TX

Complaint narrative:
To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. Equifax appears to have removed the account from my file but the account is still on my XXXX and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you

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

Complaint narrative:
To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my Experian and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

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 2022-11-11 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: PA

Complaint narrative:
XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in 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 2022-11-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There is a Macys credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.

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 2022-11-11 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I was working with a broker at Nexa mortgage to secure a 25 year XXXX loan to purchase a mobile home. The broker was very responsive XX/XX/XXXX and XX/XX/XXXX and provided me with a pre-approval letter to use to create my buyers contract. After providing all my information online and getting my contract submitted to the seller, all communication stopped from the XXXX and Nexa Mortgage. I have texted the broker 4 times, left a voice message 3 times, called the corporate office 3 times, my realtor called the corporate office and contacted a local broker for XXXX to see if they could help. I had a receptionist at Nexa Mortgage tell me that I would receive a call back within XXXX hours and that was on Tuesday XXXX. It is now XXXX and I have not received any email reply, call backs, text reply or any communication from Nexa Mortgage XXXX Since XX/XX/XXXX they have completely gone dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Called yesterday, XX/XX/22 capital one spoke with 2 representatives who stated they would not help in any way with regards to experiencing financial hardship due to increased expenses. Was told they do have Covid programs, however, absolutely nothing can be done to help either lower my payment or work with my situation. 

I further explained I need help and was blatantly told we have no options for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX I received a modification from my mortgage lender. When COVID came, I tried to stay current with my payments, but I could not and defaulted in XXXX of XXXX. I called my lender for assistance and was told to go on the website and put in my loan number and fill out the application. When I put my loan number in an application came up that was 2 pages and did not ask any income or expense questions. I filled out the application and sent it in. I then received an approval for double my current payments and then a balloon payment of {$29000.00}. I ran into a hardship from the pandemic and now I am afraid I am going to lose my house. I can not afford to double my payment from {$1500.00} to {$3100.00} and then come up with almost {$30000.00} in 12 months. I just want to be able to get caught up from the pandemic and resume my payments that were affordable. I feel as though my lender is putting me in a position to fail and I would like to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: GA

Complaint narrative:
Calls are being made to a public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( Original Creditor : ) # XXXX has violated my rights. 

Account name : ( Original Creditor : ) # 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am submitting this complaint against PennyMac, the servicer for a mortgage on my primary residence. PennyMac has erroneously force-placed insurance on my property, and I have been unable to resolve the issue with the mortgage servicer directly. The original mortgage amount was {$170000.00}. The current outstanding mortgage amount is {$100000.00}. The current value of the property is approximately {$270000.00}. Therefore, at this time the property has over 60 % of equity in it. 

The property is located in a condominium building in XXXX XXXX, Florida. The property is fully insured to replacement value for all hazards under the condos master policy as required by Florida Statute 718.111 ( 11 ). The attached copy of the Certificates of Insurance for the property evidencing this coverage has been submitted to PennyMac numerous times via fax and email. The coverage amount is {>= $1,000,000} for the 72-unit building, which equates to each unit coverage for {$130000.00} which is {$33000.00} over the outstanding mortgage balance. The latest copy was submitted to PennyMac via email on XX/XX/XXXX, and confirmation of submission was received on that same day. However, on XX/XX/XXXX, a letter was received from PennyMac indicating the coverage information had not been processed ( see copy of letter attached ). As a result, forced-placed insurance in the amount of {$25000.00} was placed on my property on XX/XX/XXXX at an exorbitant cost of {$1500.00} ( copy of Forced Insurance attached ). 

I contacted PennyMac several times by phone and email to discuss the misperception that my policy was not fully insured according to Section 5 of the recorded mortgage, copy attached. I contacted PennyMac by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and spoke to agents for nearly one hour each time. I also contacted the servicer by email XX/XX/XXXX and XX/XX/XXXX. During each contact, I advised PennyMac of the existence of replacement value coverage and my ability to self-pay any damage in excess of that amount from personal cash reserves. However, the company refuses to remove the forced policy and continues to indicate my unit is underinsured. Assistance is requested to resolve this costly misunderstanding.

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

Complaint narrative:
XXXX XXXXXXXX Address XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in 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 2022-11-11 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: PA

Complaint narrative:
XXXX XXXXXXXX Address XXXX XXXX  XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in 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 explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kason Credit Corporation
State: RI

Complaint narrative:
I was recently contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX XXXX XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$0.00}

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

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX, Experian and XXXX XXXX XXXX XXXX ( XXXX ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX, Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Experian and XXXX and I didnt give them permission to do so.

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 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAYS BANK called me for for a month and a week straight about a debt that I do not owe. I reported identity theft with the company as well as all the credit report agencies and have had this debt taken off my consumer credit report. I now demand that BARCLAYS BANK XXXX ( XXXX ) my account and stops collection attempts. 

I have tried to contact the company asking them to validate the debt and show that the debt does not belong to me. I even sent in a Cease and Desist notice to stop collection attempts. 

They have called me everyday XXXX times a day ( once in the morning and once in the evening ) from XX/XX/2022 to today XX/XX/2022, even on weekends. My phone rang ever day, twice a day for more than a month straight. This caused me emotional distress and embarrassment as this is my work phone and they called during working hours repetitively. This is abusive and unfair practices by debt collectors and its violating 15 U.S. Code 1692d ( 5 ). Furthermore BARCLAYS BANK is also in violation of 15 USC 1692c ( c ). as they have contacted me for 45+ days after I send them a formal Cease and Desist notice. 

I demand BARCLAYS BANK to XXXX this account and cease collection attempts as this debt is not validated. I also demand BARCLAYS BANK pays me for the laws they have broken pursuant to 15 U.S. Code 1692k, ; Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} in damages - per violation. 

I have attached all the evidence of my Cease and Desist notice, Identity Theft Report and communications with BARCLAYS BANK as well as call screenshots of all the calls from XX/XX/2022 to XX/XX/2022.

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 2022-11-11 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: PA

Complaint narrative:
the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX >Sold ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX XXXX XXXX XXXX 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