vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2022, I received a letter from XXXX indicating they removed a public record of bankruptcy from my consumer credit report. 

On XX/XX/2022 I requested that Experian remove the record of bankruptcy from my consumer report as well, according to 15 USC 1681 ( a ) ( 1 ) ( B ), 15USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( k ) 1. No permissible purpose 2. No proof of who requested the public information 3. No employment purpose On XX/XX/2022, Experian responded that the company that reported the information has certified Experian that the information is accurate. Experian did not reveal who verified the information or how the information was verified. Experian is also reporting public information that is not based on employment purposes and never notified the consumer of the fact that public record information was being reported. The name and address of the person of who the information is reported to has not provided either.

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 2022-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
This has been actively ongoing for several years. I am XXXX of the homeowners that the Government sued Flagstar about. Flagstar continued with the fraudulent practices. I am trying to settle with my lender and start a new clean slate. Only I do not understand some of their terminology. I cant get any one person to kindly let me understand just what they wish me to sign. We have discrepancies on numbers and are we then finally rescinded from our bankruptcy? Contracts were sent with 10 days to sign and I can not get any answers from my mortgage company. I do not have a lawyer retained. My bankruptcy lawyer is trying to retire. I have asked Flagstar for clarification with many of the statements in this contract they give me ten days to sign. The XXXX payments Flagstar refer to have not been explained. I do not owe XXXX XXXX payments to my mortgage company. Does this contract eliminate my current bankruptcy? Flagstar said they could and would rescind the bankruptcy I filed to prevent a foreclosure I was never even close to being in. Flagstar has this merry-go-round ( as the Federal suit described it ) fraudulent mortgage practices, suspense accounts, misapplied payments and several other factors I just can not get even their task force to review my loan in its entirety. I have filed Loss Mitigation packets as directed by Flagstar in which have never been reviewed. Its Flagstar practice that a homeowner not pay their monthly mortgage while under review... only it never did get reviewed. For nine months my loan came up under review. I received a letter saying I had ten days to pay back those payments. Most people would have been led into foreclosure at that point. I did pay up and was still filed foreclosure on. I simply want my loan reviewed.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In fall XXXX I had placed on my credit report from Account Resolution Center a medical collection debt on my credit reports with XXXX, XXXX and Equifax. I disputed the validation of the debt with the agencies. XXXX and XXXX deemed that after Account Resolution Center provided them only a copy of their own internal account link and debt number where I never created any account with them nor provide any of my personal information with this agency had it deleted. Equifax however viewed it as being valid even though I was never provided any documentation proving the debt is mine. I have sent a personal statement contesting the investigation on XX/XX/XXXX via certified mail which as of XX/XX/XXXX I have had no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 yesterday I was told by XXXX that when I put money into the account I could get my debit card and when I put the money in my account they refused to give me a debit card and said I won't win if I took it to court basically threatening me and poor customer service this southstate bank is located at XXXX XXXX XXXX XXXX XXXX fl XXXX several representatives including XXXX and XXXX were involved and gave rude service and were a part of the false advertising scandal I was told before they could give me a debit card then they refused afterwards I got proof the money was put in then taken out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX frozen my account. I never got an email for them describing why they froze my account what to do I had to call I was on hold for over an hour and a half I was cut off directly at XXXXXXXX XXXX Central standard time I have several emails going back and forth where I explained to him I difficulties and why I can not produce the ID for them that they need to unfreeze my account I've also told them that they have my direct deposit from my employer I have a W-2 I have my social security but I don't have the ID with a picture on it it's expired and I can't get a new one with covid it's a Long drawn out process this has been since XXXX I don't have anything else I can do but send a complaint here because they don't care about me they don't care that that's the only money I have and they don't care that I'm homeless I've been that way since covid started and I lost my job and my apartment I had a house fire before that and lost everything with documentation so just increasingly made it harder for me to get identification so here I am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ]XXXX XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

In my previous complaint you responded that you needed my identification to proceed with my demand. I have attached my drivers license with my address to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
This is the second complaint about XXXX XXXX to their own admission they are acting as debt collectors so my complaint is against a collection agency about their illegal collection activity. A bar will be filed when we pinpoint ethical violation of Bar Rules and that will be against the attorneys If you look at Exhibit # 1 This is a letter from XXXX XXXX informing how to dispute the alleged debt and they gave us till XX/XX/2022 to dispute, but they started Foreclosure before the 30-day period ended.

Exhibit # 2 Will show you we have seen them the dispute and sent copies to alleged servicer XXXX, alleged investor XXXX XXXX XXXX Exhibit # 3 Will show you the response from XXXX XXXX, in their response they show records from 14 years ago they failed to produce the NOTE that the XXXXXXXX XXXX  properly acquired. there was no proof that the current servicer who initiated the Foreclose has the right to service my loan. 

Exhibit # 4 Will show a few unsigned letters from XXXX acknowledging receiving our document, we have 13 days before the foreclosure no single piece of paper to show the proper transfer of DEED and TITLE which can establish the ownership of the right NOTE holder.

In conclusion I would like to state that this dispute has been going on for years now so far, we had 7 plus servicer changes, oddly CEO some of this servicer are serving time for Fraud. There are several court cases against XXXX and class action in New York for violation of TILA RESPA and charging consumers excessive various fees. Because this complain against XXXX XXXX I brought underlying issue with their client to show XXXX XXXX knowingly aiding them to commit fraud and wrongfully Foreclose our property

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Problem with personal statement of dispute
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
In 2013 I lost my business due to a divorce. It was a great business that I had done very well at for over 10 plus years. I was unemployed for several months. I had to have XXXX on both of my feet. So I suffered a great loss of income during this time. I also owed the irs a great deal of money in sales tax. I had to pay them. I got it paid back. I had to give my car back. It wasnt what I wanted to do but I had no choice. 
Mercedes is continuing to report this to my credit every single month and it is hurting my credit. It has been 6 years. I just dont feel like I should have to continue to suffer from this any longer. It was a devastating time in my life. I have tried to get past it and do better. So if there is anything you can do to help me it would be greatly appreciated. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I need to speak to a Human Being at Equifax & I am not able to due to their automated system & with a call back request I still am not able to speak to a human being. In regards to giving them Feedback via their website it is not possible. I need assistance with a Security freeze for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have received multiple calls about a debt for quite some time. not sure about dates. I have sent multiple letters to stop etc ... amounts vary.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MD

Complaint narrative:
Creditor extended secured credit of {$200.00}. Card associated with this account was never sent/received. Requested the card several times. Creditor had counted {$190.00} worth of charges for the card I had never even received, then closed my account and kept the security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago. 

Unfortunately XXXX XXXX is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-22 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: LA

Complaint narrative:
I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my 10th month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Guild Holdings Company
State: CO

Complaint narrative:
My Mortgage company taped a copy of someone else 's mortgage statement with ALL of their account information to my door. They also taped a copy of MY MORTGAGE STATEMENT AND ALL OF MY ACCOUNT INFORMATION TO SOMEONE ELSE 'S DOOR. 

Guild Mortgage never had my permission to share my information with ANYONE, let alone a complete stranger. I was never authorized to see the complete stranger 's information that was taped to my door in a plain white envelope that said " confidential '' on it. 

This is a clear violation of the fair debt colleciton practices act and I need to know my options for recourse. Along with this issue, they refuse to take my payment via any conventional or normal method, causing me to continue to be late on payments due to their refusal to take any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a delinquency charge on my Citi Credit card on XX/XX/2021. I did not pay this amount because I was disputing it but they told the XXXX credit bureaus that I was late. I did not charge this transaction. I have called Citi every month since XXXX 2021. It is still showing my on XXXX Credit Reports. I want the LATE- PAST DUE amount removed from my XXXX credit reports. I have letter, faxes to Citi and no response on removing it from my XXXX Credit Reports..

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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.

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