vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information?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 XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft 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. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, IL 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 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
My primary mortgae company SN Servicing Corporation at XXXX XXXX XXXX, XXXX, Ca XXXX has refused to report my mortgage payments-history to credit companies. I spoke to my account representive XXXX XXXX XXXX about three weeks ago and he advised me that he is required to speak to his supervisor regarding this issue. His superviser phoned me and advised me that it is not their company policy to report any mortgage payments to credit companies if a client has filed for a bankruptcy. I explained to this represtative that my bankruptcy ( court case number XXXX ) has been court ordered discharge on XX/XX/09. I requested that this supervisor provide me with a letter of confirmation of our discussion regarding the fact that because I filed for XXXX her company ( SNSC ) is not responsible for reporting my payment history to all major credit bureaus. She refused to repond to my request and advised me that she is required to speak with an in house counsel on this issue. A few days went by and I contacted my financial advisor and he called and spoke to XXXX XXXX XXXX and requested that I provide a Request and Consent to Provide Account Information to Authorized Third Party. Again we complied and waited to no avial. My financial advisor suggest we give SN Servicing Corporation several business days to respond. My financial advisor has since sent a follow up email request and as of today I have not heard a single response from XXXX XXXX XXXX or his supervisor on this issue. No phone call, no letter not a single response. My situation is I am attempting to re-finance my property prior to any more interest rate increases and with no mortgage history being reported by SNSC my efforts to refinance are prejudiced.

My concern is being that I filed and completed all governmental and court issued regulations to sucessfully have my Bankruptcy discharged and I am to be punished for filing a XXXX by SNSC not reporting my payment history? thereby encroaching my ability to fairly obtain a refinance? I am deeply concerned of this situation and SNSC 's position on this issue seems to me highly unfair and also an extreme prejudice towards my quality of life and my Credit Score Standing.

Any assistance in this matter would be grately appreciated. I have do I need to consult with any attorney? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
I am a Veteran trying to sell my home to another Veteran as a VA loan Assumption. My address is in XXXX XXXX, WA. The loan is currently serviced by CMG Financial and is eligible to be sold as a VA Assumption in accordance with VA guidelines. I am filing this complaint due to CMG financial stonewalling myself and the buyer, both veterans, and their unwillingness to process the VA Assumption within required timelines. 

I formally submitted the Assumption request on XX/XX/2023 and requested CMG Financial send me the assumption package. We never received a response from CMG Financials Assumptions Dept despite our repeated calls and emails over the past several months. In XXXX we finally were given a copy of the assumption package from their third party customer service center. The completed Assumption Package was sent via USPS express mail and it was signed for receipt by CMG on XX/XX/XXXX. After not receiving any response for two weeks, we called and a customer service rep stated they had no record of receiving the package. We then emailed a copy of the Assumptions Package to CMG on XX/XX/2023 and again have not received any response. 

Neither myself or the buyer have received any communication from CMG Financial Assumptions Department after over two dozen repeated attempts and phone calls requesting a response and have been told on every phone call that someone from the Assumptions Department will call us back but they never do. Below is a list of numbers and emails I have used to try to contact them. We would like to know what the status of our assumption request is as our closing date of XX/XX/XXXX is quickly approaching. 

CMG Financial has printed on their Assumption Package Call us anytime if you have any questions about the Assumptions Process, yet they do not provide a phone number to call and all emails are ignored and not answered. All phone calls go to their third-party customer service department, who can not and will not connect you with the Assumptions Department directly . They never call you back. The company does not provide a means to communicate directly with the Assumptions Department at all.

Our buyer is financially well qualified and we feel that CMG Financial is intentionally delaying and failing to follow stated VA guidelines. We have filed a complaint with the Department of Veterans Affairs as well but would greatly appreciate your assistance with this matter. 

Thank you again. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted transunion XXXX and XXXX. Nothing has been done. A lawsuit is next

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 2023-07-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted XXXX XXXX and experian. Nothing has been done. A lawsuit is next

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 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My husband and I sold our home and were owed {$4900.00} by Lakeview Loan Servicing , LLC from the escrow refund. Someone else cashed this check into their account. 

On XX/XX/XXXX I received a call from a fake XXXX XXXX XXXXXXXX number ( XXXX ) asking me if I authorized someone not related to me to cash in a check. I said no and they said they were going to void the check as it was fraud. I asked who was trying to do this and they said they could not provide me information about that but that it was in cashed in California.

I called Lakeview immediately at XXXX XXXX to notify them that someone tried cashing in the check they sent me. Lakeview said they could send me another check, but that they could not do that until 30 days from the date the check was issued. It was issued on XX/XX/XXXX so I had to call back after XX/XX/XXXX. 

On XX/XX/XXXX I called Lakeview again and they said they were going to be mailing me another check. 

On XX/XX/XXXX I called to check the status of this as no check had arrived. They told me they did not send out a second check because the original one was cashed on XX/XX/XXXX. I told them this should not have happened as I alerted them on XX/XX/XXXX about the fraud. 

I have called Lakeview multiple times asking for my money. They said the check they sent me was endorsed and when I asked for a picture they sent me a picture with the endorsed part cut off. I let them know and after being placed on a long hold, they sent me a picture that with someone else 's name on the endorsed section. They give me conflicting stories each time I call and sent me some forms to mail to XXXX XXXX. XXXX XXXX has told me multiple times that they can't help because Lakeview is the one with the account, not me. Today when I called Lakeview they had another phone number attached to my account XXXX XXXX ). This number does not belong to me or my husband. I looked it up and the number seems to belong to someone in New York.

My husband and I would like for Lakeview to pay us the money we are owed.

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 2023-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX has reported my auto loan account late, past due, XXXX, XXXX & XX/XX/2022. According to 15 USC 6802 B, I was never given the option to opt out of my personal information being published.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: KS

Complaint narrative:
On Feburary XXXX, XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX. XXXX, Explore Credit debited {$150.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
TENGALIA & HUNT used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution.

They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account.

The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. 

If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from TENGALIA & HUNT stating otherwise.

I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: DE

Complaint narrative:
In XX/XX/2022 I obtained a mortgage with CrossCountry Mortgage. In the first month, they sold the loan to XXXX XXXX XXXX. I made the monthly payments as expected and did a principle payment, bringing principle balance down from {$330000.00} to {$70000.00} as of last month. Last month I was informed by XXXX that the loan was being sold back to CrossCountry Mortgage. I then started receiving letters from CrossCountry Mortgage saying that I had not made any payments, and that I owe them the original {$330000.00} plus penalties. I called them, and was told that they had started the processing on transfer too soon, and that someone would fix the account within 5 days. That was two weeks ago. I called again today and the representative said to contact loan servicing. Borrowers deserve better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXXSC 1681.

15 U.S.C 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: TX

Complaint narrative:
I have something on my derogatory marks that say I owe XXXX for Enhanced recovery compan, I dont know who open that, I never open this account Ive Ive been trying figure out my my account keeps going down and thats why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
You stated that because I received a direct deposit on a specific date for {$1200.00} which is my very first transaction and on that same day I made a purchase for the same amount it's why the system Limited my account access. I understand that this system has ways to detect risk to protect its users as well as the Venmo company but in this particular situation it seems like the only one that is being protected is Venmo. Even from you explaining everything that the user policy and agreement says there was nothing I did to violate any terms which I can clearly see that you can't even explain so I'm not just asking for Access back to my account I don't even want the account anymore especially because this service seems to be a scam itself so I was basically just telling you what the issue was on top of your user agreement that you solely stand on which I never violated but just to save the going back and forth you missed my request for you to just return the funds back to the sender which is my school it seems as if you were just so focused on holding my funds for 180 days to look for something that's not there. And when I asked to you about what was lost prevention and will they be trying to keep my funds you chose not to respond so I'm going to ask you again explain what's loss prevention and will you be trying to keep my funds or will they be released to me after 180 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Their investigation did not fix an error on your report
Company: Ideal Collection Services, Inc.
State: MI

Complaint narrative:
A collection on my credit is showing up as Ideal Collection Services, I have never done any business with Ideal Collection Services and I have sent multiple letters asking them to verify the debt belongs to me, to which they have refused to respond in a reasonable time frame. I sent the first letter out on XX/XX/2023 and the second letter out on XX/XX/2023, finally I sent the XXXX letter on XX/XX/2023. The company has failed to respond to all XXXX letters. I have the right to demand a signed copy of the contract between myself and Ideal Collection Services.

Company response to consumer: Closed with explanation