vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management filed a small claim lawsuit against me for an account that was allegedly purchased from XXXX XXXX. On XX/XX/XXXX I received a summons to appear in court for a Pre-trial conference on XX/XX/XXXX via XXXX in which I did. At this hearing, a mediation date was given for XX/XX/XXXX, again via XXXX. I attended this hearing as well and requested that I receive validation of the claims. I never received any of the information in which I requested to receive. I have since learned, ( XX/XX/XXXX ) that a garnishment has been issued. Upon reviewing the information received from my employer, it has been discovered that all ( excluding summons ) court dates were sent to an address in which I had not resided at in almost 20 years. It is with great concern that this was a deceptive practice as summons was served at my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2023 regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-05-18 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I, XXXX XXXX, previously used Experian XXXX to help monitor and improve my personal credit report and score. This service is at a rate of $ XXXX and I had recently not paid for the service for XXXX. The debit card information that Experian had were cards that had been reported as lost or stolen and was no longer in my possession. Therefore, there were new credit and debit card numbers that I had NOT GIVEN to Experian. However, today XX/XX/2023 Experian charged my credit card ending in XXXX was charged for {$24.00} without my expressed written consent. As a federally protected consumer, this is a violation of my right to privacy and use of data! This is aggravated identity theft and I want to know how was this information obtained by Experian? Experian is liable under 15 USC 1692k.

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 monetary relief
Consumer complaint received 2023-05-18 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
On XX/XX/2023, I had the proceeds from the sale of my home transferred to Robinhood financial LLC. 
Due to accumulated debts that I was paying through XXXX XXXX  and XXXX, I reached the " monthly spending limit '' by XX/XX/XXXX of 2023. I had no access to my funds, my life savings if you will. I begged and pleaded Robinhood to allow me some way to access my money and they denied me access to any of my money. I told them I was hungry and didn't have money for food and had gone days without eating. My dog needed veterinary care and medicine and died a horrible death with pain and suffering. I emailed pictures of my dog laying in his own XXXX due to his inability to stand. It hurt me so much to watch my dog suffering when I had money with Robinhood and they wouldn't allow me access to it. I was getting evicted and expressed this to Robinhood staff and they didn't do anything. I was upset and cursed at them. They told me they were going to close my account and sold over XXXX XXXX dollars of stocks without my authorization. A clear violation of the laws that govern brokers. 
Finally on XX/XX/XXXX or so they lifted the restrictions like nothing had ever happened. After I had to pick food from the trash, after my dog suffered until the apartment I live in called animal control because I was being evicted. After I accrued debts with friends and family and relationships were torn apart because I wasn't able to pay them back when Robinhood had told me ; 7-10 business days.

After my reputation is damaged. They're actions and then inactions and negligence caused me to suffer greatly financially, emotionally, my mental health has been damaged, reputation tarnished. I had to stop pursuing custody of my son because I needed my attorney to refund me money for bills.

Robinhood is responsible for so much suffering in my life. They sum it up to the fees and losses that are on paper they refuse to acknowledge all the injury that they must be held accountable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
My insurance company sent me a check for XXXX of the funds to replace my roof. The mortgage company ( on the phone ) said to mail them the check and they would endorse it and mail it back. I mailed it to them with a tracking number and it is documented on insuranceclaimcheck.com that they received it XX/XX/2023. I called them around XX/XX/XXXX and they said the check for {$5600.00} was {$610.00} over their amount they could send back and they began a " request process '' to request that the entire check be released. I called them again a week ago and they said they could not discuss the check with me and to contact myinsuranceclaimcheck.com. When I contacted them, they claimed the check was mailed back without a tracking number ( after requiring me to mail it overnight with a tracking number ). The check never came and I am getting it reissued from the insurance company and going through this process all over again. My roofers are waiting to start and a month later, I still don't have the check. 

My loan is current, but I was behind when I originally mailed them the check. The attached conversation shows where the mortgage company is holding the check hostage and not releasing funds " due to the status of my loan '' at the time I mailed them the check. 

This is MY insurance policy. I pay the bill. The mortgage company does NOT have the right not hold MY insurance funds. I want EVERYTHING released immediately so I can get my roofers started.

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 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name XXXX XXXX XXXX XXXX  Acct # XXXX Name : XXXX XXXX  Acct # XXXX Name : XXXX XXXX  Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.

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 2023-05-18 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: LA

Complaint narrative:
I have reached out to all three credit bureaus Experian, XXXX, and XXXX about public information reporting on my Credit report from the US bankruptcy court. I have asked them how did they receive the information being the bankruptcy court stated that do not give nor report this information to the credit bureaus. I would like them to delete this information off all 3 of my credit reports as it is being reported without my consent. 

I have also asked all three bureaus to update my name as it appears on my drivers license. All three are reporting inaccurate name spelling and addresses that is not associated with me. I have asked that all information be deleted that is not accurate and they have not done so. My correct info is as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX My employer is 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: OH

Complaint narrative:
Atm didnt dispense the cash requested it was out of cash and was down for several days after I contacted all point the company which operates the atm machines and they said the funds should return within 24 hours and that was 5 weeks ago I contacted them again and they said it was in the banks hands now and they simply needed to reverse the transaction so I contacted payfare/XXXX  XXXX  and they at first tried to put it on the atm owner and then after I told them what the owner said I had to fill out the dispute form which I did and was then instructed it would be 60 days and there would be no provisional credit now I know what regulation E is and they Claim this doesnt matter to them but 60 days is not acceptable now they have become very rude disrespectful and very unprofessional and hung up on me now they want answer my calls or emails and are completely ignoring me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, XXXX XXXX intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. XXXX XXXX refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. After XXXX XXXX forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. I have raised these issues in a multi-year court battle ; yet XXXX XXXX continues to engage in knowingly malicious bad acts. They have admitted their errors in Court documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-18 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The attachment clearly shows that XXXX XXXX XXXX XXXX XXXX XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The attachment clearly shows that XXXX XXXX XXXX XXXX / XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.

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 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 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: GA

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am a XXXX XXXX who has met the requirements of Public Service Loan Forgiveness. Mohela is my loan service provider. I reached the required 120 payments in XXXX of XXXX. My application for forgiveness shows as " processed '' in XXXX of XXXX. I called and spoke to numerous Mohela representatives and was told multiple times that I qualified for forgiveness and that there was nothing else I needed to do. I specifically asked them at least twice if I was clear to leave XXXX XXXX at the end of this school year since I have satisfied all requirements for PSLF and was told yes. There has been no update on my account since XXXX. I have called again, numerous times to Mohela, to be told that they are waiting on Fed Loan Servicing to send the approval to them and that there is no one to contact to see where my application is on their timeline. I find this very unprofessional. There is no one that can tell me where my account is in the process of being updated and loans forgiven? Yet Mohela told me numerous times I was good to leave XXXX XXXX? I declined my employment contract this year based on FALSE information from Mohela. Now I am told that I must be employed by a qualifying employer at the time of forgiveness or else I have to start the whole process over. That is insane. My last day of employment is XX/XX/XXXX. I am praying and hoping that someone here can help expedite this process given that I followed all procedures correctly on my end, but was given FALSE information from Mohela. I appreciate any help you give in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief