vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I mailed out a debt validation letter to flagship credit acceptance on XX/XX/2021 requesting for them to validate the alleged account ending in XXXX. They responded by sending a letter as of XX/XX/2021 advising that I am responsible for the alleged loan. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. Also included in the letter was the paperwork for the alleged loan which list me as a borrower and pursuant to the Truth In Lending Act I am a consumer and not a borrower as bank can only borrow money. Pursuant to 15 USC 1692j this is a deceptive form because I entered into a consumer credit transaction w Flagship which no cash what is supposed to be excepted by the lender. Flag ship is in violation of 15 US C 1605. A finance charge is the sum of our charges in a consumer credit transaction and it does not include cash. Flagship in fact took cash as shown in the attached labeled exhibit. I have found 24 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. Flag ship is in violation of 15 US C 1611. Flagship willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to flagship as well.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Balance {$1200.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Kikoff Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: KS

Complaint narrative:
A check bounced that is not in my name, on an account I do not have, and the debt. collector refuses to remove it from my credit report. I have been sent a copy of the bounced check, and when I have tried on several occasions to call them they will not return my calls. 
The company XXXX debt. collecting agency XXXX is Payliance. The phone number I keep calling is XXXX. Address XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX This is on my XXXX credit report. The amount is approximately {$330.00}. 
The police report # in XXXX, XXXX is 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 2021-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I began contacting this company to exit forbearance at the end of XXXX XXXX. It's XX/XX/2021. 0 progress has been made. 
The retroactively added 3 months of late payments during the forbearance period, so we can't refi away from them. 
A HELOC company said we were in default, but we were never informed of this. 
I told them I would be leaving the country for weeks leading up to XXXX when I left. While out of the country, they called the XXXX XXXX POLICE on ME, while I told them I was out of the country - who harassed my tenant/future partner on the house. This is absolutely an abuse of taxpayer dollars. Whoever made that call needs to be fired/held accountable. 
When I returned home in XXXX, I found a letter dated the day they called the police. In it, they threaten my mortgage if a PACE lien is not cleared from the title. ( FHA loan ). 
In addition, they offered a " trial repayment '' plan in this letter. This is fine, but it started before I returned and no one informed me this was happening to plan for a way to pay it while I was gone ( requires paper checks sent to a US address ). I could have paid anything digitally/bank wire, but I couldn't send a letter from XXXX to XXXX! 
I opened a CFPB complaint, they said they would have their lawyer contact me to work it out. It's been an additional 2 weeks with no updates or answers to our questions. 
In the meantime, this means their additional mortgage trail period payment is 16 days late and I still can not get an answer to some basic questions : 1 - I do not know how long the liens will take to be removed from the title. So where does that leave us with the threatening letter? 
2 - I do not know if M & T has been paying the escrow - or if we're still in the " special program '' that you never cashed the checks for. If so, we will need the total for our civl trial against XXXX  ( CA AG found the contractor guilty criminally ) 3 - If the liens are removed - how long to M & T to adjust the balance owed so we can see the best way forward for us?

4 - what's the status of " missed payments '' during the foreclosure period.

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 2021-08-17 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
They only way I'm allowed to freeze my reporting from Datax is by traditional mail in which I expressed with Datax that due to my dire financial hardship at the present moment I cant afford the cost of mailing my information regarding copies of social security number and Identification. Asked was their any other way in which to send it via fax or email or phone number and they stated Unfortunately they can not. How does the consumer lay at the mercy of companies they were never told of or had any knowledge of entities obtaining and selling our data? I NEED MY DATAX EQUIFAX ACCOUNT FROZE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I am contacting the CFPB out of desperation in dealing with my mortgage servicing company, CMG Financial. I had experienced a hardship and was approved XX/XX/XXXX for an FHA HAMP three month trial modification from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in the amount of {$3000.00}. The trial agreement clearly shows the amount for escrow advance/set up is {$49000.00}. I even have a payoff statement dated XX/XX/XXXX showing the escrow advance {$44000.00}. I completed the trial payments early and the permanent agreement was issued XX/XX/XXXX with a new monthly principal, interest, taxes and insurance payment of {$3000.00} starting XX/XX/XXXX. I called to set up the XX/XX/XXXX payment and they told me they do not see the loan was modified but after looking through notes, they accepted my payment and stated it takes time for the system to be updated. I called every month to make, y payment and had to go through the same explanation. They would accept my payment but tell me my payment was {$3900.00} not {$3000.00} because the modification was still being updated in the system. 
I received the countersigned modification agreement XX/XX/XXXX so something is clearly wrong. As of last week, I received a notice my loan was being referred to foreclosure and my XX/XX/XXXX payment was returned due to being forwarded to foreclosure. The total amount owed they are stating as of today {$9300.00}. 
My regular escrow payment is {$1500.00} which I have paid consecutively since the 1st day of the trial XX/XX/XXXX through XX/XX/XXXX XXXX XX/XX/XXXX payment was returned ) which totals {$12000.00} plus the {$48000.00} paid to escrow according to the permanent modification agreement so how is there a {$9300.00} shortage payment resulting in a shortage payment of {$900.00} being added to my regular monthly payment day 1 after my loan was modified? This is just wrong. I have spent countless hours on the phone with the mortgage servicing department, escrow department, customer service department all of which transfer me around and wont help me straighten this out. Now, my loan was forwarded to foreclosure all over again. Its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J. Ritter Law P.C.
State: NC

Complaint narrative:
Threatened me over the phone to damage my credit. Please see attached documents. This corporation received the original notarized letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX. I paid third party XXXX who now goes by XXXX to send XXXX XXXX an Notice of Dispute to Arbitrate through certified mail. XXXX, XXXX XXXX XXXX illegaly sent me debt collection letters on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX failing to provide contractual evidence of us agreeing to do business nor there is any court judgement against me. I did not give this corporation any rights to contact me. I would like to exercise my consumer rights and challenge this matter. I enclosed receipt from XXXX  aka XXXX. I attached the Notice of Dispute document. I added the four debt collection letters.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
An online purchase was returned in store and the clerk credited it to the prepaid card from Blackhawk Network ( BHN ). They blocked the card until they received verification of purchase and return. This information was sent over two weeks ago, and they have still not unblocked the card. I have called at least five times and keep getting different excuses ( e.g. we can not open the document ). They have over {$600.00} of my money that I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: FL

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. 
A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation
State: OH

Complaint narrative:
On XX/XX/21 at XXXX I received a phone call on my cell phone from XXXX XXXX XXXX XXXX XXXX. After answering the phone the representative asked to speak with XXXX. I advised the representative they had the wrong person and phone and do not call my phone again. At XXXX I called the number back and spoke with a male representative that provided the name of Indebted and advised they were a debt collection agency. When I asked what company does Indebted collect for, he said he couldn't give out anyone 's information or any information without me giving him my phone number. Feeling uneasy about the call as my phone number and other personal identifiable information has already been found on the dark web I called back. On the second call I got a female representative who also advised she couldn't tell me the company they collect for or make sure my number and name was not on their call list without me providing them with that information and advised me I was calling in to a call center. On XX/XX/21 my chapter XXXX bankruptcy that included all of my creditors was closed, my number has already placed on the National Do Not Call registery and I also registered my cell phone IMEI to not be tracked using GPS tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J. Ritter Law P.C.
State: NC

Complaint narrative:
This corporation violated my rights when trying to collect a debt that was not mine, let alone threatened me while doing so. Please see attached documents, J Ritter received the original notarized copy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Capital For Change, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX, I entered into a rental contract with tenants. When the pandemic hit, they continued to pay rent, but stopped when I began a serious nuisance complaint and immediate eviction action due to illegal activities on the property. They didn't pay for six months, then left before eviction mediation proceedings leaving me with thousands of dollars of damage to my rental unit. I was left to pay over {$7000.00} to get the unit ready to rent in addition to the over {$6000.00} in lost rent, I am now one month behind on my mortgage after sending the mortgage company over {$4000.00} in XX/XX/XXXX and consistently send extra money with each payment. With the late fees, and interest, I can never catch up. I was ineligible for the UniteCT program for mortgage relief as the former tenants refused to sign the paperwork. Capital for Change has continued to charge me late fees and interest throughout the pandemic, and continue to this day. I am at my wits end, and financially strapped. Why aren't there any grants to assist struggling homeowners who depend on rental income?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to Equifax, XXXX  and XXXX  on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. This is a violation of 15 USC 1681s-2 due to not providing a notice of dispute. This is also a violation of 15 USC 1692e ( 8 ) for failure to communicate that a disputed debt is disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NV

Complaint narrative:
There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.

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