vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: FCC Finance, LLC
State: NJ

Complaint narrative:
Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I disputed the information in my credit report. No validation or originals were provided. No investigation to validate debt was performed. Please remove from profile XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been bombarded with constant calls by Portfolio Recovery. They have been calling me every single day for years now trying to collect a credit card debt in the amount of approximately {$1200.00}. My debt is XXXX years old, dating back to XXXX. I finally got tired of the constant calls and answered on XX/XX/XXXX to tell them to stop the harassment on a debt that is void at this point. The call lasted for 4 minutes and the representative had no regard for my request and continued to tell me that they could call me and continue to try to collect. The debt is off my credit report and it is past the statute of limitations to take action upon this debt. They continue to call me and have started to call me multiple times every single day, including weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE FIRM, INC., THE
State: TX

Complaint narrative:
Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was referred a loan from another XXXX XXXX from Georgia. The loan officer name is XXXX XXXX and her nmls id is XXXX. 
XXXX referred me a loan for XXXX XXXX - property address XXXX XXXX XXXX XXXX XXXX GA. This was a purchase loan. I got the loan approved and we closed the loan. After a month I get a letter from attorney for XXXX XXXX  stating the loan had fraud bank statements and XXXX bank verified that the statements and the details/deposits did not belong to the borrower. 
The borrower couldnt understand English and XXXX was helping us communicate as the translator over the phone. All documents provided were through XXXX email. 
The bank asked me to refinance the loan but they cut all the ties with me. XXXX was the main lender I was working with. The borrower or the loan officer provided fraud documents to close this loan and I have ruined my relationship with the lender as I was cut off from doing business with them. I have all the proof that I did not do any fraud and I have all the chain of emails. The details on the bank statements were done so perfectly that I couldnt rectify as those were fraud, I want to report this against the loan officer and the borrower. I wasnt sure who did it but I want to report this so things like this doesnt happen in future with others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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: MO

Complaint narrative:
I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX  ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # 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 2022-04-05 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: MO

Complaint narrative:
I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {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 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Advised Western Finance I am not working but will make a payment once I receive some money. I have made payments prior but unable to at this time. They have been coming to my place of residence. They have been to my home 3 times the last time being XX/XX/2022. Each time I have them not to show up at my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
These accounts do not belong to me, please remove it.

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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
I been making payments ahead of time and sometime sending extra money to be applied to the principle and i have statement to. The show debt the balance goes up instead of decreasing after i am paid at front all the time my total amount dude show {$0.00} and but carmax sent statement with amount {$3800.00} on XX/XX/2022 and on XX/XX/2022 they sent one with my balance XXXX how is posible when i paid ahead all the time and my principal is the same

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the XXXX, the information is to be deleted and expunged from the consumer credit report within XXXX calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NJ

Complaint narrative:
Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.

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 2022-04-05 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: VA

Complaint narrative:
Experian decided to respond to my complaint ( XXXX ) that was initiated on XX/XX/22. They mentioned that the inquires that I mentioned, were unauthorized, were linked to open accounts that " was '' on my report, meaning that they are no longer there... if we are going by their word, they are openly admitting to NOT following the FCRA guidelines by reporting inaccurate information this is in violation of 15 USC 1681e ( b ). How are you going to claim that inquiries that I, as the consumer am telling you are unauthorized, are valid because they are linked to accounts that " was '' on my report. They then proceed to say, that they were removing 5 inquiries that were included in my complaint because they noticed that they were " duplicate '', this is also a violation pursuant to the FCRA as they are supposed to be sure that there are not inaccuracies on my consumer report at ALL times. They also said that the inquiries shown are a " factual record '' and shall remain on the report for two years ... if I am telling you that these are unauthorized and you have no way of verifying that an application was submitted by me, you are required to delete these items. It should not have to take me filing a complaint for this agency to do their job. They then proceed to mention permissible purpose, which I am glad that they did. According to 15 USC 1681b ( a ) ( 2 ) they never received my permission in writing to furnish my personal information in the first place. There was also a mention of a reinvestigation being done, this is also an admission that you all have violated the FCRA, you all NEVER reached out to any friends, neighbors, or family members and conducted interviews as stated in 15 USC 1681a ( e ). How can you claim that you know these " unauthorized inquiries are factual, if you do not receive " applications : from the " credit grantor ''? This is an ASSUMPTION and is no where outline in the law. If you so called knew that these inquiries were factual based on accounts opened and I am disputing the validity, there is no FACTUAL evidence for you to go off of. There are NO current open accounts with any of the companies who Experian has allowed to gain access to my consumer 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 explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hi, Please could you help. I have contacted Shellpoint Mortgage/NewRez multiple times about money owed back to me but they keep ignoring me. I refinanced out of my former loan with them ( loan # XXXX ) on XX/XX/XXXX - per the attached is the wire payment of the loan in full from the escrow officer. 

The payoff statement calculated by Shellpoint Mortgage for a loan payoff date of XX/XX/XXXX was provided by Shellpoint Mortgage ( attached ). The loan was however paid off 8 days early per the wire instructions email from escrow. There is a {XXXX0} daily payment on the loan, so since it was paid 8 days early, {XXXX} should come back to me. Instead they sent me a check on XX/XX/XXXX, almost 3 months later for {XXXX} ( attached ). 

I have reached out to them multiple times but they dont do anything and just ignore me. They are stealing money. 

They have on occasion sent me a secure message by email but the link never works and I have told them about it but they ignore that too. 
XXXX XX/XX/XXXX I received a secure message - I click on it within minutes of receiving- but it says " The file link is no longer valid or has expired '' - On XX/XX/XXXX @ XXXX I receive another secure message - click the link at XXXX - but it says " The file link is no longer valid or has expired ''. I email back - no response ( email attached ) On XX/XX/XXXX @ XXXX I email following up again - link does not work- and I am ignored again ( email attached ). 
Time and time again they send links that cant be opened. They ignore me when I reach out and months later they don't give people the money they owe. They are stealing money and ignoring clients when they reach out. 

Please can you help since they are unresponsive. 

Thank you, 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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I am writing to raise a complaint about my Citicard. The details are laid out in the attached XX/XX/XXXX letter. In short : o I replaced my credit card ending in XXXX in XX/XX/XXXX as advised by a Citicard customer service representative to prevent an exorbitant charge of {$500.00} by Events XXXX XXXX from being made. Despite this, {$500.00} was charged to my new credit card ending in XXXX, without my authorization. 
o I have twice been promised by Citicard customer service representatives refunds of the {$500.00} charge. These promises were made in late XXXX and in late XXXX, but these refunds were never provided. 
o I wrote to Citicard Customer Service detailing my complaint on XX/XX/XXXX, but have never received a reply. See attached copy of letter sent to Citicard Customer Service, po box XXXX, XXXX XXXX, SD XXXX. 
o I canceled the card ending in XXXX ( and permanently closed my credit card account with Citicard ) on XX/XX/XXXX, explaining the reasons to Citicard, but again got the run-around from their customer service. 
o I hereby request that you request Citicard to refund to me the amount of {$500.00} charged to my credit card ending in XXXX without my authorization. In addition, Citicard should provide some compensation to me for the hours I have spent trying to resolve this problem. 
o In addition, I request that you ask Citicard to take steps to ensure that promises made by their customer service representatives are honored ( Citicard should check and provide their recording of my numerous conversations with them ). Citicard should also take steps to ensure that written complaints receive a response. 
I look forward to hearing from 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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd.
State: TX

Complaint narrative:
I received a phone call on XX/XX/2022 at XXXX from XXXX XXXX XXXX Leviton Law . He claims I owe over {$6000.00} on an insurance policy from a company through which Ive never been insured. He stated I could call back to remit payment. I received another call on XX/XX/2022 at around XXXX claiming that if I do not pay the amount, he will begin litigating against me. I have never been notified through email or letter, and he has never stated my name in the voicemails hes left. Ive never heard of the insurance company he says I owe money to, and I can not find them on the internet anywhere. Hes never even stated the exact amount owed- just always says over {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
Loan pal will not remove my info from my credit report. This is my wife only account. 

I never gave loanpal my consent. As you can see these loan documents do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-05 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation