vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
On XX/XX/XXXX I have contacted the consumer reporting agency known as XXXX. I have looked at my credit report and notice some inquiries on my consumer report. I have asked the credit agency to provide the method they used and the companies that have placed inquiries on my consumer report. I do not recognize them at all. I am a victim of identity theft and I have contacted the IRS about these and have filed a whistle blowing from for the IRS to investigate on XXXX so that they are audited for these inquiries and accounts that I have listed in this message. Now I would like to add this and please read carefully. Please provide who placed this inquiry, who you spoke to do do the investigation on my report, whom placed this on my consumer report. What does permissible purposes mean? 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. Permissible purposes of consumer reports, To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; This is a major violation by obtaining my consumer report including my personal information which is private property and if you don't have my consent, you shouldn't be using my information without my consent and my privacy should be kept confidential. If you continue to use my information and my name fraudulently I will contact the IRS to do an audit on this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: HILLTOP HOLDINGS, INC
State: GA

Complaint narrative:
We have renewed a XXXXXXXX XXXX XXXXXXXX in XX/XX/year>. The agreement was to refi XXXX XXXX at XXXX into XXXX fully amortized 30 year loans ( XXXX for each house ). Prime lending has been working on refinance of this XXXX  for 6 months and still has not completed the loan. They moved the loan application to XXXX mortgage around XXXX. My XXXX  is maturing this week and will cost me more money to renew if XXXX doesn't finish. I have paid {$4000.00} to my credit cards, at their request, to ensure my credit would be over XXXX at their advise to get approved. 
Now, i have been given a CD that reflects a higher interest rate than I agreed to and I'm still not sure if they will even do the loan before I have to spend more money renewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I refinanced my house with Rocket a couple of years ago and everything went great and then I reached to get a new home loan because I was going to relocate and everything seemingly went well and then it all went to XXXX. The first Mortgage person I was dealing with went well and then I got re-assigned to another Mortgage broker and that is when things started going downhill. I kept reaching out to this person to get a hardline number as to what my budget was and finally received the information and I started looking and found a place. I made an offer and it was accepted and they received the PA ( Purchase Agreement ) and then I got re-assigned again to someone who was licensed in my state and that is where it went really bad. Apparently, I no longer qualified for the XXXX program I qualified under and then the rocket mortgage incentive for using a preferred agent I was no longer qualified for because of my XXXX, which has not changed since my original approval and the XXXX did not have PMI attached, so essentially Rocket XXXX XXXX XXXX XXXX that I have no choice but to move forward with an astronomical house payment and sell mine because my house is under contract. 
What ever you do, do not use Rocket Mortgage. They did a bait and switch and now I am in a situation where I have no choice but to move forward or risk being homeless. 

I want them to honor the original arrangement because I have all the emails that took place regarding the agreement and I used a Rocket Preferred Agent and Seller. I lived up to my end and made no changes and even paid off additional debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
A loan was taken out in my name for a vehicle I didnt not authorized the vehicle was repossessed I have no knowledge of this transaction bank has refused to provide me with validation of this loan and they have tarnished my credit by butting it on my credit report and I also filed for fraud against all of this and they are refusing resolution I never signed any paperwork to be the borrow of this loan or gave verbal consent this bank has committed Fraud on a auto loan against me for XXXX in XXXX of XXXX  and refusing to provide me with verification that I authorized anything identity theft is what I am claiming

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-16 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: PA

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. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; EQUIFAX must provide how they verified this debt belongs to me in the following manner : 1 ) How did you verify these accounts? 
2 ) Provide an original contract for each account with my wet signature. 
3 ) Provide documentation showing that I am contractually obligated to pay these debts. 
4 ) Provide proof that XXXX XXXX, L, XXXX XXXX, and XXXX XXXX XXXX XXXX the legal right to collect these debts. 
XXXX ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
You closed my previous complaint because you said " the company responded ''. PHH mortgage sent me a letter XXXX month ago ( XX/XX/15 ) telling me they were in possession of the {$1900.00} that they over XXXX on my escrow account and would refund that amount to my escrow account within XXXX days. They have NOT done so and are still in possession of my money. I need your assistance in recovering my money that they appear to be stealing from me. What is it this agency id here for if you can not protect consumers as you advertise? My previous complaint HAS NOT BEEN RESOLVED.

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 2024-03-16 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: NY

Complaint narrative:
reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX TransUnion and XXXX are reporting these unauthorized inaccurate accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, XXXX, TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are XXXX reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-03-16 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: NY

Complaint narrative:
reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX XXXX and Equifax are reporting these unauthorized inaccurate accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
After weeks of no response. We finally received communication via a chat site. Mr. Cooper has increased my escrow by XXXX XXXX  per month for taxes. Trying to explain to them that I am a XXXX XXXX  and have no tax bill. They were mistakenly sent a tax bill from the county. Which I sent a check and paid. Now they are preparing for next year 's taxes ( that don't exist ) by charging me the extra fee. 
So unprofessional that I can not speak to them by phone to work out. As a retired XXXX XXXX and XXXX XXXX I am professionally embarrassed for them. 
Need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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:
Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication 4681. Income is a form of certificate of indebtedness.The IRS treats the forgiven debt as income. You are in violation of the FCRA. Please change all charged off accounts to paid as agreed.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am seeking guidance and support regarding the removal of fraudulent items from my credit report. I have recently discovered several accounts that were opened fraudulently in my name, and despite my best efforts, I have been unable to get them removed, and I don't receive any replies or feedback regarding these issues. XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX2023

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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a Notice of Court Proceeding to Collect Debt of {$1900.00} on XX/XX/XXXX and contacted Portfolio Recovery Associates , LLC on XX/XX/XXXX to inquire about an over the phone payment of a payment to avoid garnishment. I spoke with a manager named XXXX to work out a potential payment plan but he stated he needed approval and to contact again in the week for that decision. I contacted Portfolio Recovery Associates , LLC again on XX/XX/XXXX and spoke with an representative named XXXX. I asked for an update on my payment plan approval status, which she confirmed did not have an update, but even if approved, she would not allow it to proceed due to the status being too far into garnishment. I responded that the Notice of Court Proceeding to Collect Debt stated that I had 15 days of the mailing of the notice ( which was received XX/XX/XXXX ) to action one of 4 items to avoid garnishment, and I was attempted to proceed in option 2 - Complete the attached form entitled " Payment to Avoid Garnishment. '' Based on the calculations listed on the sheet, I could send in a payment of {$380.00}, but was offering to put {$1000.00} and work out a payment plan. XXXX said that the garnishment was too far in the process and that I would need to pay the full amount via money order or cashier 's check. I inquired why, as the document I received stated I can do a calculated payment to avoid garnishment within the limit of 15 days, XXXX stated that the 15 days was from XX/XX/XXXX, and added that although she didn't want to " throw shade '' she said they sent letters a long time ago to avoid this. I again inquired how it could be in garnishment when I just recently received notice to avoid a garnishment. After no conclusive explanation I wrapped the phone call. ( Call placed XX/XX/XXXX to ( XXXX ) XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation