vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I was pre approved for credi card under false pretense and had my credit score go down after check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I have received a debt notice from XXXX under reference number XXXX. I have tried to make this payment, but can not create an account under XXXX. It tells me I have no prior documents with them and therefore I am not a patient. Therefore I can not pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
Bank of American I believe has preditory lending on my home. They did a refinance of my property and then after the mortgage was signed they added in a loan modification and included a property that is owned free and clear without my knowledge. They gave me a XXXX year loan in which I will not be alive in XXXX years, and added my other property to the loan re fi without my knowledge. My realtor noticed a title issue that there was a mortgage XXXX on my property that was never included in the refi of the other property. It felt as if Bank of America is trying to take both my properties. They never notified me or had me sign a document for this exhibit. I have asked them to remove the free and clear property as this was not discussed or approved or even needed for my refi. They have given me the run around for the past XXXX months, saying they made a mistake and will modify the loan to remove the free and clear owned property from the loan. They still have not done this. 
That property is for sale, and this will hold up the sale and caused a major titling issue. We feel they did this on purpose to try and take both properties without us finding out. They will not resolve the issue. They added the other property without notifying us. They modified our loan without disclosure or notice. We have requested they remove the property immediately, they agreed, and still nothing. We feel they are trying to give us a loan they know we won't live long enough to pay off so they can take our properties. I am XXXX and they gave us a XXXX year loan. 
I want to sue them as this is illegal.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Acct # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
XXXX HAS BEEN CALLING ME FOR 2 MONTHS ABOUT AN ACCOUNT I DONT HAVE NEVER HAD AND THEN STATED EACH TIME IT WAS AN ERROR ON THEIR BEHALF AND DISREGARD THE CALL AND OR LETTERS. NOW IM RECIEVING LETTERS FOR A DEBT IN THE SAME AMOUNT FROM XXXX XXXX XXXX XXXX ON BEHALF OF XXXX STATING I OWE MONEY ON AN ACCT THAT I NEVER OPENED. WHEN I FIRST RECEIVED A LATE NOTICE BILL FROM THEM I CALLED AND TOLD THEM IN XXXX I DONT HAVE AN ACCT WITH THEM. THIS MAKE THE XXXX TIME XXXX STATED I OPENED AN ACCOUNT WITH THEM AND I DIDNT!!! IVE BEEN DEALING WITH IMPERSONATION SCAMS IDENTITY THEFT PII DATA BREACHES SINCE XXXX THIS MAKE THE 3RD OPENED ACCOUNT PLEASE LEAVE ME ALONE I DONT HAVE AN ACCT WITH THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX, NFCU took out money from our joint account without authorization. When asked what happened, it was in regards to an credit card that was charged off that we didnt get any notifications of pertaining to it being charged of. So upon calling to settle. We agreed to settling the amount but instead of returning the full XXXX that they took off they only returned a portion and kept XXXX. We were given no choice but to agree even if we explained the hardship. This didnt end here. On XX/XX/2022. Once again they took money from our joint account without any authorization or notification. They took out XXXX. And left us with absolutely nothing. We begged them and pleaded for them to give back our money, as this was for our mortgage payment. After settling the second charge off for another credit card, once again they decided to only return half which is XXXX of the XXXX. They had no remorse on doing so, but instead questioned us on our activities in the accountwhich now got very personal. After explaining confidential information for them to consider returning money they they werent authorized to take since there were no notifications or warnings pertaining to these charged off credit cards, they pretty much told us we have no choice but to agree with the settlement. There were no negotiations. Only their side was considered and not our circumstances. The manager even stated that we should be thanking them for even giving back half. These were my debts. And the account was under my spouse but when I acquired these debts we werent married yet. And now shes suffering because navy fed is neglecting to follow the rules of communicating properly and doing unauthorized adjustments on our account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I lived in an apartment in XXXX called XXXX XXXX which has since been named XXXX XXXX  which is owned by XXXX XXXX XXXX. Our lease ended on XX/XX/XXXX. In XXXX of XXXX, I received a phone call from Professional Debt Mediation claiming that I owed them XXXX. I requested proof of the debt and they are stating it is for 1 months rent for not giving 30 days notice prior to the end of the lease and money for excessive cleaning after move out. I do not owe this debt to them for the following reasons : I received an email from the apartment complex on XX/XX/XXXX explaining what our rent increase would be and it says " If you do not sign a Renewal Lease by this date, this letter will serve as your Notice of Non Renewal and you must vacate the premises by XX/XX/XXXX. '' We did not reply as they said no reply was our notice of non renewal. 

The apartment complex also provided a copy of our security deposit claim that was dated XX/XX/XXXX. Our lease explicitly states that the landlord must file a security deposit claim within 30 days of the expiration of the lease ( XX/XX/XXXX ) or the landlord forfeits the right to file a security deposit claim. Because of this, the apartment complex actually owes US {$500.00}. 

Also, they mailed the security deposit claim to the address that we had moved out of and our mail forward service had expired by that time. 

I provided documentation of the above proving that the debt was not valid, which XXXX XXXX at XXXX  refuses to acknowledge as proof and is saying they will be putting it on our credit if we do not pay immediately. They are stating that we can not longer dispute the debt and they are only following the instructions of their client and are putting it on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
The following accounts opened in my name where not made by me Accounts : XXXX XXXX- XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX- XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 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 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 21 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 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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX One/Walmart- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect XXXX. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. Finwise/OppLoans - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay status and payment history XXXX. NC XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX remarks and payment history 15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XXXX XXXX  XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUS GLOBAL SOLUTIONS is communicating a debt without my consent, expressed permission from a court of competent jurisdiction, or verification pursuant to 15 USC 1692g. See Attached.

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 2022-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Mortgage serviced reporting both incorrect and/or no payment information at all. XXXX was transferred to present servicer in XX/XX/XXXX and I started making payments to them that same month. The servicer only started reporting my account on XX/XX/XXXX, its being reported like its a new loan and not a transfer, it showing only XXXX payment made on XXXX and no payments made on XXXX, its showing the wrong payment amount, but shows my loan was opened on XX/XX/XXXX. I contacted XXXX XXXX XXXX directly to ask them to fix this and tried to file a complaint, but Ive been getting the run around for almost XXXX weeks. This issue has caused a more than XXXX point drop to my XXXX XXXX and is causing great financial harm to me and my family with each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was a victim of Identity Theft. I filed the proper information, printed out the entire FTC Identity Theft Report with affidavit. Everything was removed from my credit report of all 3 bureaus except one item on XXXX from Progressive Management Systems. They intentionally falsified the paperwork they sent in regards to my immediate reply to their request for the FTC report & copies of ID/SSN card. I called, they apologized and sid they'd remove it immediately and still haven't sent the removal request to XXXX. Their paperwork also states their license is still pending. Is there a legal time limit they're allowed after it's been proven and sent certified to them -- that they're responsible for submitting immediate removal from my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and i recently got scammed bad By someone pretending to have good intentions about a month ago. This lady messaged me and told me that i could make a little money by helping her XXXX some money to different " orphanages '' and her paying through checks so I accepted and she sent these checks over, which ended up going through and showing up on the account. I had been away from my phone for a long while after they went through and i wasn't expecting them to actually go through but when they did i thought the lady was legit. But since i was away she got mad and threatened to take legal action and call the police for " stealing ' " her '' money and not sending some to the " orphanages '' so when the money came in i was already in too deep i thought that she was going to call the cops and get me sued or something because she was threatening me very seriously and the money went through, so I did what she asked and XXXX  out money XXXX $ at a time to different because she made me and i was being threatened, but i never sent out more than she sent me through checks. This went on for a couple of days with her getting more demanding and demanding but there wasnt much i could do because she was threatening to freeze my account and all these things if i didnt listen. In total, i ended up sending out XXXX $ and i had " kept '' XXXX for myself. But one day she stopped talking to me and all of those checks that she sent bounced and they turned out to be fraudulent checks which i didnt know to begin with, and my account went negative. I tried taking it to the fraud department at Bank Of America, but they denied the claim and wont give me my money back. I was wrongfully scammed and taken advantage of and threatened after the fake money was sent my way and she used threats as leverage to get me to send money out and then bounce the checks out so i lose all my money and ive lost it all i need my money back i cant be left with nothing. This started on XX/XX/XXXX and the final check bounced on XX/XX/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