vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am making this complaint against Equifax for continuing to report inaccurate information on my consumer report. After submitting a complaint against XXXX XXXX on XX/XX/2022, XXXX XXXX granted my request for removal and deletion of the alleged debt on all reporting agencies, of which the deletion was granted on XXXX on XX/XX/2022 ( attached screenshot labeled as Exhibit A ) and XXXX. After viewing my consumer report from Equifax I noticed that this account is still being furnished on my consumer report, attachment labeled Exhibit B. After attempting to settle this issue with Equifax to request that they correct the errors that they are reporting on my consumer report, I noticed that this same account is unable to be disputed, attachment labeled Exhibit C. According to the FCRA XXXX everything has to be 100 % accurate on my consumer report. With the evidence provided, it clearly shows that Equifax is indeed furnishing false and inaccurate information on my consumer report and this is definitely grounds for deletion/removal. I am demanding that Equifax correct this error immediately due to causing me and my financial reputation harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX 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 2022-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
While checking my credit report, I notice an account from Bank of America, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-04-14 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: OneMain Finance Corporation
State: NY

Complaint narrative:
These companies are not authorized by me to run the credit. do not authorize these inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I reported to you how Mr. Cooper was refusing to let me make payments following forbearance with my FHA loan. Thanks to you they accepted payments again. HOWEVER they reported late payments on my credit report and knocked my score way down- it was stated that choose forbearance through the pandemic it WOULD NOT BE REPORTED as late. That is exactly what they did however and now my credit, that I've worked hard to maintain, has been ruined. How is this company allowed to stay in business? I hear bad experiences from so many of their clients and they are clearly predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Old debt from XXXX XXXX XXXX that was sold to Law Offices of Robert A. Schuerger Co. , LPA XXXX XXXX XXXX XXXX, Ohio XXXX WWW.SCHUERGERLAW.COM. 
The debt started off at {$900.00}. Since these sold the debt its more than tripled to XXXX dollars. Theyve already taking my state taxes and now theyre talking wag garnishment. 
I reached out willing to pay the original debt of XXXX that was already written off by XXXX XXXX XXXX. But the debt collectors who purchased the debt are getting greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2022 XXXX Capital One Bank knows that their ATMs are faulty and that they regularly take customers. I spoke with a member of one of their branch locations and they stated that their ATMs regularly take customers deposits and that customers are forced to wait for a credit from the bank. While I know there are federal regulations in place to protect customers and for them to be able to file disputes, however if Capital One Bank and their staff are aware of the issues revolving their ATMs and are failing to remediate the situation seems like something that should be further investigated by you. I made a deposit of {$1400.00} into their ATM at their XXXX XXXX, MD location and was told by their claims department that I would receive a credit between 1 hour and 10 days from now. How many other customers are having their deposits going missing and have to wait for credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I have an escrow account with CMG mortgage. CMG collected money from me for my property tax and homeowners insurance premiums, then failed to pay those bills on time. CMG removed the money from my escrow account, didn't sent it to the homeowners insurance company or the county property tax collection agency, and is refusing to refund the money to my escrow account. 

HOMEOWNERS INSURANCE : CMG claims to have mailed a check on XX/XX/22 to my homeowners insurance agency. The premium was due XX/XX/22 but the company gave me an extension until XX/XX/22. CMG says that checks take 30-90 days to arrive in the mail because of " mail delays '' and said they couldn't do anything about the problem. I paid the bill out of pocket in order to avoid policy cancellation. I have repeatedly asked CMG by phone, internet message, and fax to cancel the check that they supposedly mailed on XX/XX/22 and refund the money to my account. They have been completely nonresponsive to my requests. They have confirmed to me verbally that the check they sent was never cashed, but they have taken no action to cancel the check or refund the money to my escrow account. 

PROPERTY TAX : My California property taxes were due XX/XX/XXXX. CMG didn't pay them. By refusing to pay the taxes on time, my county assessed a 10 % payment penalty on my account. I repeatedly called CMG and asked them to pay the property taxes as required, including the late fee. CMG refused to acknowledge the late fee. CMG has provided inconsistent answers on how they paid the property tax bill - sometimes they say the check is in the mail, sometimes they say the money was sent by wire, sometimes they say the check is generated by an outside agency. I don't know who to believe because CMG 's story changes every time I call. 

The county property tax agency has no record of any payments from CMG on my account. I paid my property taxes out of pocket in order to avoid more late fees, since the XXXX payment came due before CMG ever even attempted to pay the XXXX payment. 

CMG has been completely nonresponsive to my repeated phone calls, internet messages, and faxes on the subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On our about, XX/XX/XXXX, I received noticed from LoanDepot that they did not have my current policy on file. I immediately updated LoanDepot with my insurance policy through their insurance portal. Subsequently, my loan was transferred from LoanDepot 's New Jersey service center to their Texas service center in XX/XX/XXXX. When the transfer was made, two errors occurred : 1 ) I received a notice of an escrow shortage of {$780.00}. I called LoanDepot and they said it was because they did not receive a full refund from the insurance carrier they used to place force insurance and that was because they said I had a lapse in coverage. I informed the service rep that I do not have a lapse in coverage and that the LoanDepot insurance department is in receipt of my Insurance Declaration page which evidences insurance from XX/XX/XXXX to XX/XX/XXXX. 

2 ) My XXXX automatic payment, which is scheduled to come out automatically on the XXXX of every month, was deducted on the XXXX. I have not changed my authorization since I authorized it in XXXX and payments should not be deducted until the XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX and sent him the declaration page of the insurance to his email at XXXX and no one is able to help. I called again today, XX/XX/XXXX and spoke to a women at the escalation department for escrow services and she sent me back to New Jersey. New Jersey phone services won't connect me because the loan is no longer in New Jersey, but Texas. 

I have now spent hours on the phone trying to resolve this to no avail. I want the escrow shortage removed because it is assessed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MN

Complaint narrative:
I signed up to credit report website and within that year my account started to have things I dont recognize and has numbers calling me. I had got a lot of mail of fake loans and credit cards I didnt apply for. I try changing my passwords and everything. My credit score went from good to bad within a year of using their app.I try to remove things off too

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 2022-04-14 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: MI

Complaint narrative:
Hi, to whom it may concern. Portfolio Recovery has caused my credit files and scores to be drastically damaged, reduced, and affected by placing a debt that I do not owe and that is not mine. 

Account # XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Company : Portfolio Recovery Associates , LLC XXXX. XXXX po box XXXX XXXX, CA XXXX Account # Same as above. 
Reference Number : XXXX XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX I have never until XXXX of XXXX had a XXXX XXXX Credit Card Account. I was sent an offer and I applied and received a card. However, I this company keeps trying to place this debt on me, as I have explained to them and XXXX XXXX, that this account isn't mine and I have never owned a XXXX XXXX XXXX untill recently XX/XX/XXXX, because I was sent a pre approval offer from XXXX XXXX to which I was approved. 

Back in XXXX I lost my wallet and it was never returned to me. I have explained to Portfolio Recovery that I may have been a victim of identity theft, and that may be why there's an account with XXXX XXXX. Whoever did this, had all of my personal information from my wallet, from my ID, my Social Security Card, My Birthdate, My Address, and other info like Medical cards and Bank Cards. At the time this happened, I was forced to get all new info cards, and change passwords etc. This company was told this information, although whomever opened this account, they had all of my info, I never had an account with XXXX XXXX. They insist that it's mine with no proof that it's mine other than all of my personal info. I have never signed a single document applying for this card, yet this company has repeatedly reported as a collection to all of the major credit bureaus, destroying my credit and making my scores drop unbelievably low, all while I have been trying to buy a new home. I This has affected me directly because this isn't my account, yet they keep reporting that it is even after disputing this a few times with no removal from Portfolio Recovery. I was told by them, that XXXX XXXX Discharged this debt and Portfolio Recovery bought it on XX/XX/XXXX. First XXXX XXXX kept reporting this account that wasn't mine, then Portfolio Recovery started. This isn't right. It's not my account at all. Why do they keep reporting something that's not mine? 

I need to know WHAT MY RIGHTS ARE under the law, and if they have violated my Civil Rights by maliciously continuing to report this account on my credit to the agencies. I live on a fixed income because I am on XXXX. XXXX due to XXXX XXXX. I'm tired of being a victim of people like this, who only care about making a dollar, or profit, even tho'they know this isn't my account. Please help me bring an end to this nightmare as I am trying to buy a home, through a program that helps buyers with XXXX. Thank You. 

XXXX

Company response to consumer: Closed with explanation