vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Click n' Close, Inc.
State: CA

Complaint narrative:
In XXXX I purchased my home through a FHA loan to XXXX mortgage. Moved to XXXX in XXXX. XXXX & XXXX sold my account to a different bank which was not able to contact me ( as I was living in XXXX and again sold the account to a loan service provider in XXXX. Since XXXX the mortgage has been sold from aone service provider to other, each one increasing my payments or adding special taxes not aplicable for houses in XXXX XXXX. The new lender called Click & Close again is charging me more than what they should so I requested them copy of the contract to verify the amounts of money they are charging me but they dont send me any evidence of a valid contract. They keep sending me the original contract ( Deed document ) I signed back when I purchased my home, in XXXX, and other documents I signed with XXXX Mortgage but they dont provide me evidence of the amount of money owed at the moment they bought the account for me to confirm why they charge me such a high monthly payment and taxes. They can't charge me that amount as Ive been paying my house for more than 20 years. It doesnt make any sense that XXXX  years later Im paying more than before. Please help as I believe this company is illegally charging me money unrelated to my home mortgage. I dont believe they even know how much is the remaining balance for that loan ( just a few years more ) .I have the original title for my house where I signed the contract. They provided me a new title ( deed ) not signed by my with a different price for the property. But it shows a different mortgage bank, not them. This was when XXXX Mortgage sold the account to another bank. See documents attached are dated XXXX ( original deed ) and XXXX ( when XXXX mortgage sold the account to another bank in XXXX XXXX. Not to Click & close or Midamerica mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 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 2023-08-29 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV funding has been illegally trying to collect from me in a state in which they are not registered. They have also given my personal private information to two other agencies trying to collect for the same alleged debt. XXXX XXXX XXXX as well as XXXX XXXX. LVNV as the other two agencies are trying to collect in the amount of {$620.00} which is incorrect. They are not licensed in the state of Ohio. The two companies listed also have not sent proper notices instead they demand conststly that i pay and also states once i make my payments in full they will ONLY remove and apply it to LVNV but not the original creditor which is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. District Court, The XXXX Police XXXX. and XXXX XXXX. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX District court, the fraud at the XXXX Police and the fraud at XXXX XXXX. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased father and stepmother. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX am as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of 10 years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into 3 dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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: CO

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have already make a plan to pay the debit of XXXX which included the {$120.00} that I have been charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I received online notification from all three credit bureaus on that CENTRAL PORTFOLIO CONTROL place a Collection account on my credit report in the totals of {$4200.00}. I do not have an account or agreement with CENTRAL PORTFOLIO CONTROL. CENTRAL PORTFOLIO CONTROL violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Regular credit union monitoring credit report shows on XX/XX/XXXX an account late on XXXX XX/XX/XXXX and charged off and delinquent on XX/XX/XXXX never had known of this card account and when contacted Comenity Bank I was informed they don't have the account because it was sold to a collection company I have never received a bill for tis account not known nor acknowledged it did existed and credit report didn't showed the last 5 digits of it which later on, Comenity has shown these on a letter received now i do know the full a/c number as # XXXX issued on XX/XX/XXXX Bank refuses to proof it is NOT has NEVER known of it. 
SEE FULL DETAILS OF ASLING THE BANK, by phone, email and XXXX regular mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023 I received a letter dated XX/XX/2023, informing me that my loan will be transfer on XX/XX/2023. I reached out to the bank where I pay my mortgage at, in person and then to my home mortgage company by phone, on the morning of XX/XX/2023. I was giving verbal information of steps to take in order to stop and avoid the transfer. On XX/XX/2023 at XXXX AM I paid my loan off, over the phone, according to the information giving to me by my mortgage company. On XX/XX/2023 I received a letter from my mortgage company letting me know the service of my mortgage has been transferred to another mortgage company and showing my final escrow review balance. I also received two letters from my new mortgage company. One letter was welcoming me to the company and the other letter was a mortgage statement for payment in the amount of {$640.00} due on XX/XX/2023. On the morning of XX/XX/2023, I reached out to my previous mortgage company twice, with two different representatives. I was told there was nothing they could do, and I need to reach out to my new mortgage company. The calls ended with them letting me know that they understood me, and they were sorry. On the same morning, I reached out to my new mortgage company twice, with dissatisfying results. I asked to speak with someone in the payoff department and was told they didn't have one. The calls ended and I was not connected to the feedback serve as I indicated at the beginning of the call.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
When using Paypal Credit, no interest for 6 months promotions on purchases over {$99.00}. 
" Amount to avoid Standard and Deferred Interest '' is not detailed anywhere. It is difficult, if not impossible, to know how your payments are being applied to these balances, and which purchase balances are still outstanding.

When you look at your account online or the statements, these do not show the outstanding charges or balances for each promotional purchase. When you call Paypal to ask, the agents are also unable to tell you these details. 

If you miss paying off a balance in full, these balances are hidden from you online and in the statements. You can not determine which balances are remaining. 

It is extremely difficult to manage paying off the balances resulting in interest charges being charged to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.

Company response to consumer: Closed with explanation