vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MN

Complaint narrative:
Loan Care once again is deciding not to apply payments in order to get late fees. They have done this many times to us. We use an automated system to pay them so the money gets there at the same time every month. They will also log that they receive payment then refuse to/inconsistently apply the balance in order to charge more late fees. I once seen the un-applied balance go upto {$3000.00} which was 3 months worth of payments at the time. They have stated that they had fixed this the year before that {$3000.00} un-applied balance when i submitted my last cfpb report. 

Why do we not use loan care 's automated payment system? 
They have arbitrarily without notice refused us access to the system that would make the payment causing us to not only have a late payment but also dinging our credit scores. Using their payment system used to be our regular method of payment before this happened. Since then we use our banks automated system to send a check at the same time every month. 
And to be clear they told us the lockout had nothing to do with us or any outside actor attempting to gain entry to the account. It was however in response to a XXXX WITH a signed affidavit stating payments would continue to be made to loan care.

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 2023-08-28 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: MI

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt.

My mortgage servicer, Rushmore Loan Management Services LLC violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status. 
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an Order to Docket ( OTD ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action.

Rushmore Loan Management Services LLC did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt.

This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX  and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: VA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: VA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
I have tried to use my XXXX  Crypto.com card at atm to get my money out as well as trying to send my money to any other accounts I have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and none of them work. My physical card I have is one that had worked for quite a while but t then it just stopped working! I come to find out it was because somehow the CVV code and the expiration date of the physical card had been changed and not by me! My ATM PIN code also quit working and the option to change my atm PIN code in the crypto.com account portal disappeared. I have ever able to try to transfer money to people in my contacts because of needing to use a XXXX authorization code which I couldnt make work. It is required to use an authentication app on my phone and it never worked. I asked for help multiple times about this to the company and all they would do is send me instructions on how to set up the XXXX which never would work for me. I am literally XXXX  from stress and need help to get my money out! I have XXXXin my account. My name is XXXX XXXX and my phone number is XXXX XXXX. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I want to file this please as my formal complaint to NAVY FEDERAL CR UNION for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
On XX/XX/ I mailed a debt validation letter to southwest credit systems using certified mail. The letter was asking them for proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, an agreement with the original creditor that grant them the authority to collect on the alleged debt, verification that this debt was assigned or sold to a collector, complete accounting of the alleged debt, and commission for the debt collector if collection efforts are successful. I notified them that they had 30 days to validate the debt or all references to the account must be deleted and completely removed from my credit file, and a copy of the deletion request should be sent to me immediately. I also asked that they not contact me about the debt. They received this letter no later than XXXX XXXX XXXX, which I have the certified mail return postage to verify. They have not sent me any proof or verifications of the debt and I wish for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XX/XX/XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX on the behave of XXXX XXXX XXXX XXXX XXXX. a Law firm to be exact. I am aware of the rights that I do have as a consumer. And as a consumer, after a request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/XXXX as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My answer I requested certain information to be showed to me and still I have yet to receive that information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to debt validation request in a timely manner. In the attachments are the following : 1. A letter of complaint to CFPB 2. Dispute Letters dated XX/XX/XXXX and XX/XX/XXXX 3.The State Of Texas Original Petition Citation Lawsuit From XXXX XXXX XXXX XXXX XXXX XXXX 4. Defendant 's Answer 5. USPS Tracking : Certified Mail Receipt

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 2023-08-28 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:
In response to them closing complaint ending in XXXX, experian says they don't understand, WELL READ THE LETTER FROM EXPERIAN OWN EMPLOYEES SAYING IT THERE FAULT

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 2023-08-28 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint received the loan on XXXX XXXX from XXXX XXXX. Prior to XXXX XXXX the loan was owned by XXXX XXXX XXXX. during this time I requested and excercised my rights for escrow removal. On XX/XX/XXXX, XXXX XXXX granted my request. There was a double pay of insurance and I made an agreement to repay the monies by paying an additional payments of XXXX per month including my monthly payments to XXXX XXXX XXXX. XX/XX/XXXX, XXXXI filed a complaint with Shellpoint escrow departmen about this matter. 
The complaint # XXXX was created for to address this matter. All documents were sent and Shellpoint is noncompliant. There is NO escrow and I have been paying my own property insurance and taxes. Shellpoint is attempting to use bullying tactics which they have a reputation on forcing escrow and violating a borrower 's rights to which the borrowers has enough equity in their homes with no PMI such as myself to raise their monthly payments. Shellpoint stated that a modification was done in XXXX that is the reason why there is an escrow. That is false information and that modification holds no merit because of 3 factors 1.The modifcation was created under loan # XXXX, 2. the loan was sold back to XXXX XXXX XXXX were I was granted removal of escrow., 3. the loan was sold back to XXXX which there was a new loan # XXXX which voided out any modification from previous loan # XXXX and payments remained {$710.00}. Furthermoe loan number XXXX modification does not state that it was mandatory to hold an escrow. XXXX XXXX did not tell the truth, I was granted from XXXX XXXX. for removal of escrow account. I will be receiving the XX/XX/XXXX letter, proving that XXXX XXXX granted my request for escrow removal. Also the XXXX XX/XX/XXXX letter can be found in the loan documents that Shellpoint has in their possession.This agreement was in place a year before Shellpoint received this loan. This loan does not need an escrow analysis due to there is no escrow account. a In closing attached to this complaint, is evidence showing XXXX XXXX 2 different loan numbers when the loan was held by them. I also filed a complaint with FTC about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of severe forms of trafficking in persons. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this human trafficking information was supposed to be confidential?

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Complete Payment Recovery Services is attempting to collect a fraudulent debt. XXXX XXXX  sent this account to Complete Payment Recovery Services. I informed XXXXXXXX XXXX the account or accounts was and is fraudulent. I did not apply for any checking nor savings accounts with XXXX XXXX XXXX XXXX  forwarded me some emails from an email address I do not own and stated that I sent them an email. Those emails are from an imposter. This debt in its entirety is fraud. I did not sign any applications, I did not receive any debit cards nor checks from this institution. It is my belief XXXXXXXX XXXX  fraudulently opened this account internally. I am a victim of identity fraud. Complete Payment Recovery Systems does not have authorization to collect fraudulent debt. All charges are fraud on these accounts as these were not authorized opened using stolen credentials. I will not accept responsibility and I want this debt removed immediately.

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 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Agency ( PRA ) has been harassing me with frequent phone calls from a variety of XXXX numbers. I do not have outstanding debt and have never transacted business with this company, it is fraudulent and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: WA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-08-29 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used my Synchrony HOME Credit Card at XXXX to purchase a mattress and adjustable base. I charged XXXX on the card. I paid XXXX XXXX dollars on the card. I returned the mattress and adjustable base to XXXX. I called Synchrony on XX/XX/XXXX to get my XXXX dollars back. I was told a refund check would be issued. I looked online at the activity on my card. A refund check was supposedly sent on XX/XX/XXXX. I did not receive my check by the XXXX of XXXX so I called back and was told to wait 7 more days. I waited until today and I havent received my check yet.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Pen Fed Credit Union.

Pen Fed Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX. 

This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. 

I extended my credit card ( or social security card ) in good faith to Pen Fed Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction.

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