vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive submitted disputes to the reporting agencies and I get nothing in return and when I call they hang up on me or refuse to transfer me to the right department

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 2023-03-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive submitted disputes to the reporting agencies and I get nothing in return and when I call they hang up on me or refuse to transfer me to the right department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Check stolen in the mail. 

On XX/XX/XXXX, I received an invoice with a late notice for over 60 days. I wrote the check to the law firm XXXX XXXX XXXX for {$1200.00} and noted in the memo line the invoice # XXXX and the attorneys name, XXXX XXXX, and I put it in the mail to send on XX/XX/XXXX. In XXXX, I received a call from the law firm asking me to check my account to see if my check cleared because they never received my payment but also that XXXX XXXX was a new attorney with the firm and due to that and the holidays the check may not have been attached to the invoice. I did check my account and it showed the check cleared. I never heard any further issue until I received the late invoice on XX/XX/XXXX. 

I contacted my CPA and got a copy of the cleared check and sent to the law firm. They made inquires within the firm about the specific endorsement on the cleared check and they learned no one by the name XXXX XXXX has ever worked at the firm. I immediately alerted my bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX gave me an Affidavit of Forgery and told me the specific endorsement is clearly fraudulent on its face. She also learned the stolen check was processed by Bank of America in XXXX, VA. Bank of America refused to provide any further details without a subpoena. I have no way of suing the thief nor filing a police report bc I have no information about where the check was presented. XXXX XXXX XXXX XXXX is insured by XXXX. Bank of America is insured by FDIC.

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 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Was contacted by Portfolio recovery on XX/XX/23 about a potential debt owed to XXXX XXXXXXXX. I told them I was not aware of such debt and asked them to please send me proof of this debt and gave them my mailing address and asked them to not contact me via phone again. They called again on XX/XX/23 and I again told them I already requested proof of this debt and to stop contacting me via phone. They called again on XX/XX/23 and I refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX with other debt collectors hired by XXXX XXXX have suppressed fictitious loan schemes against my property under court ordered sole possession. 

XXXX XXXX is copied on communication emails regularly with XXXX XXXX legal analyst for Rushmore Loan Management LLC WILLFULLY SUPPRESSING INFORMATION OR COURT ORDERS FOR FICTITIOUS LOANS BY US LOANS SCHEMES WITH RUSHMORE LOANS MGMT LLC IS VERY UNETHICAL AND UNLAWFUL Good Afternoon, Please see attached document. 

Thank you, XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC Direct ( XXXX ) XXXX Email : XXXX XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC XXXX direct | rfax | toll-free | fax machine Mail to : XXXX Web : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
My PayPal account was hacked in XX/XX/2022. Name was changed, address changed, and email changed. Then multiple unauthorized deposits were made on that day. The following day a check was requested by the hacker, the check was mailed and cashed by the hacker leaving a negative balance of over {$1900.00}. Since I dont use this account frequently I did not know any of this happened until I received a letter from a collections agency in mid XXXX. I have tried to straighten this out with PayPal since mid XXXX and just received an email yesterday saying my claim has been denied. Although I have had PayPal representatives tell me they can see the suspicious activity was done through a different IP address and that the fact all the personal info was edited the day of the activity is a huge indicator this is in fact fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. 
Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 



This is a CHARGE OFF and I continue to receive NEGATIVE REPORTING XXXX XXXX Acct # XXXX PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # 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 2023-03-02 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:
MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX. XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I saw XXXX XXXX XXXX, of XXXX XXXXXXXX XXXX. on XX/XX/2021. This was arranged by the Department of Veterans Affairs XXXX XXXX under the MISSION Act. The VA contacted the office and provided them with all the information on how and when to submit billing. The doctor was simply HORRID! And I did not return to her. The doctor I did follow-up with found many issues with my XXXX. 
XXXX XXXXXXXX did not properly or timely submit their bill to VA for payment but now has referred it to Waterfall Revenue Group, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXXaterfall has posted this to my credit reports.

All of these collection attempts are in direct violation of Federal Law under the MISSION Act.

I contacted Waterfall and they literally laughed. I provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care which was sent to the doctor, yet they refuse to remove the item from my credit report. I have also filed 2 disputes with XXXX and provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care and they refuse to remove the post only noting that I dispute it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: IL

Complaint narrative:
I took a loan with XXXX XXXX not sure exact time line however, I could no longer afford due to health issues and less work hours. So I contact XXXX XXXX Legal attorneys and started in a program on XX/XX/XXXX made continuous payments up until XX/XX/XXXX when I checked in with XXXX XXXX they assured me payments were being made then I received collection notice to XXXX with a company I never heard of so I called XXXX XXXX they assured payments were being made to XXXX XXXX and gave me a number to call they said they never heard of me or XXXX XXXX  they were called XXXX XXXX and they gave another number same thing about 5 times I could not locate XXXX XXXX. And XXXX couldn't either so we didn't know where payments were going I was never notified of this prior turned out now a new lender with a different name who another lender sold to it was in about XXXX different loan companies and this last one after further investigation turned out to be Oliphant USA llc which I found out on my XXXX credit report I then found XXXX XXXX quit sending payments as of XXXX which I also was never notified a huge unprofessional mess this company also never reached out to me either if not for my credit report I never would of known of this mishandling of my money but yet month after month with a few missed months I was paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX Payment History is incorrect and should not reflect 240 missed payments when account payments have been deferred for natural disaster/pandemic. Account lists payments currently on time which conflicts with payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 non-monetary relief
Consumer complaint received 2023-03-02 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: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of XXXX  I opened a holding account with the PNC bank. 
To be clear, I have never used this account for any reason ; which means I have never written a check ; use a credit or debit card nor an ACH. I have never used this account for any transaction from since I made the initial deposit. 
I found out that the accounts were in fraudulent distress when I went to the bank to inquire about moving my money to a high yield saving account. I was told that there was an ACH withdrawal on the account to which I immediately told XXXX XXXX XXXX, the account XXXX, to file a fraud investigation into that transaction. She then told me that there were more transactions on both my saving and checking accounts. 
About a week on into the investigation an officer of the PNC bank in University XXXX in XXXX PA called me asking if I authorized a check payment. I quickly said no and asked the office of the bank to get the name and other information of the persons. He said that he would call me back but did not. 
Called and returned in person to the bank several times after but the dilemma becomes worst. The bank essentially told me that I was on my own and that I would conduct my own investigation. They told me that I have XXXX hours to file a complaint against an ACH if I need help from the bank. I refiled the claim this, a third time since and this is the stage at which I am in the process right now. 
I hope that some assistance can be had to resolve this issue. 
To resolve the problem, I would appreciate your kind assistance in reinstating all my money and interest taken from account. Enclosed are copies of my records I look forward to your reply and a resolution to my problem and will wait until within the next week before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
In XXXX of XXXX, I applied for the NC Home Assistance Fund ( NCHAF ) and was awarded aid. On XX/XX/XXXX, I received the award letter disclosing the payments that were to be made, which included reinstatement for {$6100.00} and three monthly payments of {$1100.00} ( paid monthly ). PHH Mortgage Company ( XXXX ) confirmed with XXXX the amounts and agreed upon those amounts on that previously mentioned date. In good faith that the mortgage company wanted to work with me to bring my mortgage current, I signed the NCHAF Award letter, and payments by the state were made on XX/XX/XXXX ( {$6100.00} ), XX/XX/XXXX ( {$1100.00} ), XX/XX/XXXX ( {$1100.00} ), and XX/XX/XXXX ( {$1100.00} ). The amounts were confirmed by ACH numbers. As of XX/XX/XXXX, PHH Mortgage maintains that the amounts that were sent are not sufficient, and have been sent back to the state of North Carolina. The NCHAF has no record of this. I have requested PHH to communicate with NCHAF in order to rectify this matter, but they maintain that it is the NCHAF that must communicate with them instead. I have contacted PHH repeatedly by phone and email ( Phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Email : XX/XX/XXXX, XX/XX/XXXX ) to no avail. Meanwhile, my credit report is continuing to worsen, and they are harming my credit, causing direct damage to my credit status. I can not currently pay my mortgage, because they will not accept payments in order to stop falling behind. They are harming my financial progress and are unwilling to research the problems and issues on their part to investigate why they will not honor the contract/information sent and verified by the state of North Carolina XXXX They will not allow me to bring my mortgage up to date due to a lack of progress on their part. They do not offer explanations as to why they can not communicate with NCHAF in order to clarify why they will not apply payments made to my mortgage account. They are causing severe harm to my credit and are blocking my progress to keep my home.

Company response to consumer: Closed with explanation