vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We sold our home on XXXX XX/XX/2023 and had an escrow balance of {$1000.00} after paying off the mortgage. The lender sent the refund to the house we sold! So the check got lost. 

We contacted Freedom mortgage and they said they sent a check to our new address. It did not arrive. We called and they said they had to wait 30 days. No reason given. When it still had not arrived they said they sent another one. Finally, on XXXX XXXX we called and they said since it still wasnt there ( over XXXX months later ) they would overnight it. We called today, XXXX XXXX to tell them it did not arrive and they said it would be here on XXXX days. We asked how an overnight letter can take XXXX days. No answer. 

They gave us a tracking number. When we looked at it, it showed the letter still has not even been sent. 

They are liars and criminals. Had we not paid our mortgage for XXXX months we would have a mound of late fees and penalties as well as probably be looking at foreclosure.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX credit card company, offered and offers a credit protection program, in the event, of loss of job, death, military diploment, and or suffer from a XXXX which results in permanent XXXX. 

Between the dates of XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that took time to finally diagnoses. Finally, in between the aftermath of covid, I was XXXX  and officially diagnosed XX/XX/. I am currently XXXX. and they are now sending a third party not the original creditor, but the third party randomly showed up at my door unannounced to say they have filed a judgement against me in my local county. Never was I informed or made aware, and due to my XXXX XXXX have not had the chance to provide the oriognal creditor XXXX with the information they need to process for my XXXX as the reason for late payments. I paid a fee monthly in addition to the normal payments for this special program they advertised that would help take care of any balances in the event of any of the above unforeseen circumstances. but, instead of them honoring this, they have now sent people to my home and threatening a law suit by an unknown third party to which I don't know and now unsure of what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DID NOT OPEN THESE ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DID NOT OPEN THESE ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, a consumer and natural person, am aware of all rights that I have and are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXXXXXX XXXX XXXX Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
account due to fraud XX/XX/XXXXXX/XX/XXXXall reports have been sent over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
account due to fraud XXXX bank XXXX XXXX XXXXXXXX XXXX XXXX all reports have been sent over

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 2023-10-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2023-10-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: NC

Complaint narrative:
The collection agency, Prince Parker and associates in XXXX NC are attempting to collect an incorrect amount with XXXX XXXX XXXX. 

I contacted the agency by phone on a recorded line of on XX/XX/2023 to dispute and stop the collection process per their letter until they prove the debt was valid and to also provide me with an itemized statement showing how the debt was determined at that amount. The amounts are incorrect. The agency just sent the final bill and nothing more. They did not stop the collection process as it was stated on their letter and they illegally reported to the debt on my credit. I called and wrote to them. I did speak with an agent and she threatened to report if not paid. I told the agent they needed to provide proof of this debt, not just a statement without any justification of the debt amount. Told the agent, that was against my rights with the Fair credit reporting act. A week later they report to my credit with not letter, no notice. Illegal! 

This company prematurely report this debt to my credit report negatively impacting me without doing their due diligence. 

I need help to get that debt removed off my credit report and once debt is validated and justified then I can settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- -- -TransUnionXX/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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae has been calling me every hour from XXXX every day, along with my family. I am making payments and have called and told them to stop harassing me and my family and they promise they will and then an hour later I get another call. I have also asked for payment plans or help in any way and they send me emails and letters and once I call them they say I am not eligible but yet continue to send the letters. They are unwilling to help and harass you even if you are MAKING payments. You can never get ahold of a supervisor and they tell you someone will call you and you have to keep following up and still never get a call from a supervisor. The blatant harassment and the way they talk to people should be illegal. They will not work with someone even though they are charging high-interest rates and expect a person in the economy we are in to make payments over XXXX  XXXX a month. They have said the only options are to be disabled or XXXX  to get any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have no knwoledge of these hard inquiries and that higher inquiries result of identiy theft and I'm requesting it to be removed as per 15 USC 1681, c two

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax has purportedly resolved my investigation without responding to my complaint on CFPB. It is expected that they will soon indicate the complaint as resolved and it will subsequently be closed. However, I want to emphasize that Equifax 's involvement in this matter is far from over. Equifax erroneously categorizes my bankruptcy as a XX/XX/XXXXXXXX, a classification applicable to family farmers required to partially repay their debts. I have never engaged in farming and have no obligation to make any repayments. This appears to be an intentional attempt by Equifax to evade accountability for their error which appears to be more intentional than error at this point. 

Despite myXX/XX/XXXX bankruptcy being public record and duly acknowledged by Equifax, it took three investigations for them to rectify my credit report. XXXX XXXX was duly notified by the court of my impending and final discharge. I also wrote to them several times via email, explicitly requesting an end to their phone-based harassment and reiterating details of my bankruptcy. Both XXXX XXXX and Equifax were aware that the debt was invalid, both were aware of the finalized discharge. Nevertheless, it took three investigations for Equifax to partially rectify the situation. 

Presently, I see that XXXX XXXX is labeled as a " closed account '' on my Equifax my credit report ( no other credit reporting agencies have had this problem. ) However, Equifax has appended a comment implying that this discrepancy was somehow my doing, when in reality, it stemmed from the failure of XXXX XXXX and Equifax to comply with legal procedures. This is particularly galling as it adversely affects my Equifax score, inaccurately suggesting that I bear responsibility for the situation, rather than XXXX XXXX and Equifax who failed to adhere to legal requirements. 

I am unwilling to initiate a fourth dispute. Instead, ***I wish to inform Equifax that I have initiated a lawsuit against them in small claims court. *** This action is taken to seek redress for the time spent, the harm caused to my credit report, the missed financial opportunities, and the emotional distress inflicted upon me. It is aburd for Equifax to offer admonishments or guidance on proper procedures for future incidents when it was their own professional incompetence that necessitated three investigations to address this matter and they still have failed to get it right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
RECEIVED AN ALERT TODAY FROM XXXX THAT THERE WAS A COLLECTION DEBT ON MY REPORT. IT CLAIMS THAT A DEBT OF {$990.00} IS OWED REGARDING XXXX XXXX AND THE COLLECTION COMPANY IS AMSHER COLLECTION SERV

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I redeemed my points to purchase gift cards with American ExpressXXXX prior to closing my AMEX account. I was told that I would get the digital cards via email within 24 hours, but I didn't get any email concerning that. I tried to use AMEX website to get to the " digital wallet '' but it says " This account is ineligible for gift card redemption. '' I spoke to their customer service numerous time and all they say is use the link http : //www.ecerts.americanexpress.com to access the cards, but it takes me to the same error message above " This account is ineligible for gift card redemption. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Refer to Previously Submitted Request # XXXX : Specialized Loan Servicing is NOT the servicer after XX/XX/XXXX. However, Specialized Loan Servicing ( a debt collector ) has been harassing us to pay off an alleged loan- which was PAID IN FULL -- - XX/XX/XXXX. 

The account was service transferred BACK to XXXX XXXX XXXXXXXX XXXX effective XX/XX/XXXX. 

We have sent cease and desist letters to Specialized Loan Servicing several times - and now they have created a payoff statement seeking money- under false pretense. 

Both, Specialized Loan Servicing and XXXX XXXX are debt collectors. 
( Even though the account was paid in full in XX/XX/XXXX ), we have not paid a payment since XX/XX/XXXX BECAUSE There is no payment due!!!!!!! 

But IF there was a payment due, per the Statute of Limitation laws here in Virginia, for mortgages, a debt collector is time-barred from attempting to collect - after 5 years for promissory notes, or 6 years maximum. 

That would be XX/XX/XXXX. Both companies are violating the Fair Debt Collection Practices Act. 

XXXX XXXX has sent several documents to us - showing paid in full. However, of course, NOW they have purged them out of their system. 

Recorded documents are also recorded in our County records, accordingly. 

We would be happy to forward additional supporting information later.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.

Company response to consumer: Closed with explanation