vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
Celink is the company. The loan was initially processed and approved by XXXX XXXX. They followed illegal practices because my deceased Father should have never received approval for the reverse mortgage loan. He forged my name and did not have my permission to take out the reversed mortgage. I knew nothing about it until after he was deceased and the loan became due. Now I stand to lose my home which was inherited from my deceased Mother free and clear of any debt. I explained to Celink I knew nothing of the reversed mortgage but they have not presented all the information I requested. Now they have foreclosed on the home but I am still here living in it trying to reopen my case and not be evicted. I originally contact XXXX XXXX and paid them lost of money every month to fight on my behalf but they took advantage of me and milked my pocket of money I didn't have to spend. The Lawyer at XXXX XXXX decided to leave the company and closed my case. It is very sad what these reversed mortgage lenders are doing to steal the property from families. I know XXXX has a class action lawsuit but this needs to be a US federal issue that needs to stop. Unless they require recipients of the money to insure the loan for the full amount so it is paid off upon death, this is a very unfair practice of stealing properties. Can you help me and many others like me who are struggling to stay in our homes and did not receive XXXX XXXX of the money received by the reversed loan recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: DC

Complaint narrative:
I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.

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 2024-02-12 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: DC

Complaint narrative:
I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: DC

Complaint narrative:
I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.

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 2024-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jim Bottin Enterprises, Inc
State: SC

Complaint narrative:
RevNow has contacted my place of employment first. I asked them to not call the company phone again as it is an office and not to be used for personal phone calls. 
They then called my younger sister on XX/XX/year> around XXXX who, had nothing to do with this account or my finances. 
They the contacted my mother, who is undergoing XXXX for XXXX XXXX XXXX, and bothered her about this matter on XX/XX/year> as well around XXXX. Neither of them had any knowledge of this account and I had intended to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Different day same ridiculous explanation THAT ADDRESSED ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo closed my account with over {$2000.00} in it and wont allow me access to remove funds from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: NC

Complaint narrative:
Synovus bank processed a fraudulent check for {$6000.00} out of my account on a check that did not have my name, address or signature on it. It only had the banking routing and account information on the bottom. I filed a fraudulent check dispute with a local branch on XX/XX/24 and was told it would be resolved in XXXX business day which is what is listed as the maximum time to resolve per banking regulations. It has been well over this time frame and the bank refuses to return my money or provide any other information. I have copies of the check and dispute documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
This complaint is for XXXXXXXX XXXX XXXX XXXX from XXXX, Florida. I have received a phone call from this company and the caller refused to validate the debt on the phone and told me to " check my emails for the original contract with XXXX. '' They never provided with the initial opportunity to dispute this debt. They continue to assert the I, the consumer, have a debt owed to them that they refuse to validate which is in direct violation of the FDCPA, per 15 USC 1692g ( 4 ) ( 5 ) : ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

This company misrepresented themselves and called my mother, without my express consent to do so, and led her to believe they were someone they were not in an effort to obtain information about me. This is a violation of the FDCPA, 15 USC 1692c ( b ) and 1692e ( 10 ) 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

15 USC 1692e ( 10 ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is reporting an incorrect address that does not belong to me and has never belonged to me. They are also reporting an incorrect place of employment that I have never been employed by. I do not reside or do business at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never worked for XXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX XXXX Dollars per violation and they are violating my rights twice.

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 2024-02-12 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-12 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: TN

Complaint narrative:
On XX/XX/, representative from Bank of America called me from a Bank of America number. He was saying that I had some fraud my account through XXXX and he was going to transfer me to XXXX and gave me XXXX cancellation codes. Once I was transferred to XXXX I was speaking to a woman. Her name was XXXX XXXX, she said I need to go to my XXXX and my Bank of America app and click on the XXXX and go up and click on where the money part is and hit the cancellation code in. which the cancellation code was XXXX and send it to a XXXX number which I did that and it withdrew money out of my account. Soon as that happened I asked him why did it withdrew money on my account and they try to apologize to me and said that theyre going to give it back in there and thats when I called Bank of America XXXX have this stopped. Bank of America did not do anything for me. They gave me the runaround. They said were gon na try to look into it, I called back on XX/XX/XXXX. Nothing has been said or updated. They said that theyre trying to get a hold of XXXX because theyve had these issues with this type of stuff going on with their spoofing numbers. I called back again today at Bank of America to see if theyve heard anything and they said they have not heard anything yet and it could take up to 90 days. Ive called my mom what she works in a fraud department at a large bank in XXXX New Mexico, which is a XXXX XXXX, and she told me to contact yall because I shouldve already received my money back into my account. Bank of America has not helped me out in anyway. They said they sent me emails, which have not received received any email from them. They told me that theyre going to reach out to XXXX XXXX, which were the money went to and try to get the money back from XXXX XXXX and if they couldnt get the money back from XXXX XXXX XXXX they can not give me my money back, which I did not authorize any of these payments. I was scammed and its wrong Because soon as it happened, I called Bank of America right away.

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 2024-02-12 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: IN

Complaint narrative:
I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dates of infraction : XXXX XXXX XXXXXX/XX/year> Reson for infraction : The statement was never received due to a change of Address Result of infraction : Account involved in litigation. Please remove it from my credit report until litigation is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio
State: FL

Complaint narrative:
The company XXXX XXXX who is being sued by the CFPB for unlawful acts has sent a company called XXXX XXXX to collect a debt that I had no clue I had nor was it ever verified with. this seems to continue again with more unlawful procedures and because of this they have caused so much setback to credit report. The Debt collector showed up on my credit report on XX/XX/year> for the amount of XXXX. Please have this Removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I recently pulled my credit to notice some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. i did not consent for the creditor XXXX or credit bureau 's to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
A credit card ( with an account ending in XXXX ) was fraudulently opened using my information with Capital One in XXXX. I received a notification at my correct address from a debt collection agency in the spring of XXXX for {$1700.00}. Since receiving the letter from the debt collector, I have been trying to remove the fraudulent account. I filed a report with the CFPB ( CFPB case : XXXX ) over the summer of XXXX and received a response from Capital One stating " we performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records. 
XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX We mailed billing statements to XXXX XXXX XXXX XXXX XXXX, KS XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
The Social Security number and date of birth we have on record for this account were verified as yours. '' I have been unable to get the credit bureaus to remove the XXXX XXXX XXXX XXXX XXXX, KS address as I have been told that it is the address tied to the capital one account. I have disputed and had the XXXX phone number removed from my credit report as it is not my phone number and I have never had a XXXX area code. The XXXX XXXX XXXX XXXX XXXX address has also been disputed and removed from my credit report. I have never lived in XXXX Kansas. My driver 's license and social security card were stolen in the spring of XXXX and I have documentation of a police report that was filed. 

I have attempted to call Capital One multiple times since I received their CFPB response and have made no progress with them. My lawyer attempted to send supporting documentation to Capital One in the fall of XXXX and neither of us received any response. I have received continued notifications from debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Company keep purchasing flood insurance under my account but I have my own flood insurance. I have provided multiple times over the past 6 months proof of insurance and every 2 months they re purchase flood insurance for my account and drain my escrow money increasing my mortgage payments. 
They do cancel the policies after multiple calls but after 2 months they do the same thing and purchase another flood insurance. 
This has happened XXXX times in the last XXXX months

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 2024-02-12 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax

Data Breach here Is proof. I was a victim of Identity Th
eft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief