vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: CO

Complaint narrative:
I'm reaching out because I've requested the law firm to post my payment for last month that they cashed and posted it to someone else account they still trying to collect XXXX when it's XXXX or less because looking back I've made payments and who is to say they have applied correctly my account is XXXX XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WI 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 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On or around XX/XX/2022, I was alerted by my bank and by a credit monitoring service that I had a new hard inquiry on my credit report. Upon investigation, it was an hard inquiry from XXXX XXXX XXXX on my Transunion credit report. I have never authorized this bank to do this. I contacted Transunion that same day to dispute the hard inquiry, and was informed that I would need to contact XXXX  XXXX XXXX to obtain an " Inquiry Deletion Letter. '' I have made numerous attempts to contact XXXX  XXXX XXXX, and found it nearly impossible to make contact with any agent of their organization. At last, on XX/XX/2022, I was able to establish such contact. After being bounced around from agent to agent with promises of being transferred to their " fraud department, '' I finally spoke with an agent who ran my name and SSN through their system to at least check to see if anyone had successfully opened any accounts with their organization ; the agent told me that she did not find a profile for my name and SSN. I asked about the Inquiry Deletion Letter that Transunion requires, and she said that I was the second person this week that had asked for one ; she had spoken to her supervisor, and they were unaware of anyway to obtain such a letter from XXXX XXXX XXXX. I want this hard inquiry removed from my credit report!

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 2022-09-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC. XXXX # XXXX This letter is a formal complaint that has been reported Inaccurate to the Credit Bureau. Federal Law Requires furnisher 's of information to report accurate credit information to the credit bureaus and in this case they have failed to do so. I disputed the following information over 30 days ago and they have not removed this information as of yet. 

This inaccurate information must be deleted from my credit file Immediately. Please contact all agencies that have been reporting this and remove this misleading information from my credit profile because this is a Violation. 
Thank you! 

XXXX XXXX : Address : XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022, I attempted to open a checking account at TD Bank. I was advised that the only way I could open the account is if I provided a credit card number in the form of the Social Security number, which I do not own but am a beneficiary of. 

I did provide the Social Security number and did open the account as a beneficiary. Any activity on the account is to be for my benefit. TD began deducting money from the account and I do believe that the money that was deducted was done so fraudulently, in violation of Consumer Protection Laws, and not for my benefit. 

I did contact TD Bank between XX/XX/2022 and XX/XX/2022 regarding the fraudulent deductions. I was informed that the matter would be corrected, and the money that was removed from the account was put back. 

As of XX/XX/2022, TD Bank has begin deducting money from the account again, fraudulently, and not for my benefit. When I attempted to speak to someone by calling the customer service phone number, I was told that I would have to go back to the location I opened the account in. When I asked for the contact number or email address for the legal team or law department, I was instructed that there was no contact information and that I could not speak to anyone to settle this matter. 

I have attached a redacted version of the new account form, where I signed as beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I purchased my home in XX/XX/2022, In XXXX I had to make an emergency repair to my house ( which i do reside in ). This caused me to fall behind. I submitted a work out package to LoanCare with documentation in XXXX to request a modification to add 3 payments to the end of the mortgage, and bring me current. I have been on the phone with Loan representatives at least 50 times, the first 20 or so I was told I was missing documents which I continuously submitted through their website. For the month of XXXX I was told all of my documents had been received and it was being submitted to the next level. A few weeks later the rep and a supervisor told me that my case was closed for missing documents but that it should not have been so they were escalating and manually re-opening the case because it shouldn't have been closed. I was told to wait 30 days for the review. I was un-trusting of what they told me and this being a week later I called today to check the status. I am now being told the case was closed, and NEVER re-opened. 

I want to keep my house. I want to be current and make good on my promise to pay, however I am being told that it is under review/ not under review/ not to make a payment and I am afraid of moving into foreclosure. This is my first purchased home, I live here with my XXXX  children. I am a single mom working two jobs, i just wants a proper review and a little assistance. I don't know where else to turn. I am not due for XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ADP Inc.
State: NY

Complaint narrative:
Received text to my cell phone number ( XXXX ) from Wisely Pay Alerts stating- {$75.00} has been loaded onto your Wisely card ending in XXXX. Your available card balance is {$74.00}. When I call customer service, XXXX I was aksed for my social security number, birthdate, name. I stated I do not have an account with you and you contacted me showing the last 4 digits of the account so you should be able to get to the account using that data. They stated need full acount number or social security number with name and date of birth. I told them I will be reporting to government fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I took out a loan through Affirm for a XXXX XXXX for the amount of {$960.00}. 

I was laid off in XXXX of that year and after XXXX that next year I was behind and was unable to keep up with my monthly payments. In XXXX the remaining balance of {$440.00} was charged off to collections, where it was paid off in full on XX/XX/XXXX. 

In XXXX of XXXX upon checking my credit report on XXXX I found that the loan from Affirm was still there, listed as still holding a balance of {$440.00}. I disputed this balance as I am on record as having paid. 

The dispute was declined on XX/XX/XXXX so I disputed that result as well on the same day. On XX/XX/XXXX that dispute was also declined. I contacted Affirm and received a XXXX XXXX letter stating I owe {$0.00} balance. I reopened the dispute, and on XX/XX/XXXX it was also declined. At this point I had called both XXXX and Affirm multiple times, each of them blaming the other. XXXX defended that Affirm was declining the legitimacy of the loan verification letter sent, so I asked for information on the collections agency which they did not have as the account had been closed for so long. With a representative to help me, I reopened the dispute with the letter attached and it, again, came back declined on the XXXX of XXXX. 

I reached out to Affirm again and I explained to a supervisor the situation, to which they said they would open a ticket and get this resolved. I called back 2 weeks later to ask for a status update and was told that they would give me one in a few days. A few days past and they contacted me, giving me the same loan verification letter via an attachment and closing out the ticket. Desperately, I reopened the dispute a fifth time and, much to my expectation, it was declined today, the XXXX of XXXX. 

I'm writing this in hopes to escalate the action against the companies in question. This incorrect information has been dragging down my credit score for a few years and I'm starting to feel powerless against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit union has tried to pull my credit report from Equifax but was unable to because of some kind of freeze or lock on the report. I have spent over two hours over two days trying to communicate the problem with their customer representatives but have had no luck. I have asked for a supervisor twice because the representatives are from another country and barely speak XXXX and only can read off of a script. Since the credit union can not access my report they are unable to complete the loan request. 

Equifax needs to fix this problem,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Southwest Credit Systems, L.P. ( " SWC '' ) detailing their actions harming my consumer reports. I have never given SWC my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from " XXXX XXXX '' in their compliance department that specifically states " we are not obligated to provide a signed agreement ''. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly SWC is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. SWC failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of SWC. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose.

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

Complaint narrative:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Credit Technologies, Inc.
State: GA

Complaint narrative:
There is an inquiry from Credit Technologies that I did not authorize on my credit report. I have contacted this company several times to resolve this issue but have gotten no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage Services/ XXXX XXXX XXXX XXXX To whom it may concern, Upon running title on XXXX XXXX XXXX XXXX XXXX NY XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX  XXXX name and has been collecting and servicing this loan. 

I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians authorization as well as title search for me to discuss this issue with your legal department ASAP. XXXX XXXX. 

Attached please find title search reflecting this fact.

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 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This DRS account with a balance of {$450.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must comply with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have acquired my information and are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been requesting proof that the debt is mine I been provided with a letter to a XXXX XXXX here is case law and proof that I have been in prison since XXXX so who ever u was communicating with was obviously not me and that was public record a proper investigation would have should that I was in prison the time u supposedly was mailing me letters and thats clearly indication of your un ethical practice and a letter telling me u will not conduct any more investigation when I am clearly showing u that its obvious u did not communicate with me In XXXX

Company response to consumer: Closed with explanation