vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
Collection agency trying to collect the amount of {$1600.00} for XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) - attached- below is the letter sent back to the collection agency. XXXX refused to move the case forward while in court taking me with no other choice than agree with a a number to pay. All original fees and expenses was paid and further payments were done during the case, the charges they are claiming is not real. 
XXXX actually owns me the amount of {$5000.00} as they are responsible for not defending me on the case after they receive over XXXX pages of receipts and proves of payments made to the mother during the course of child support until my daughter got over XXXX XXXX XXXX - Note : My Daughter actually always lived with me as of this day she still lives here with me- The mother just went to court falsely accused me lying i never paid child support, I did prove with documents and support original files that I paid child support on the times the daughter stayed with the mother. 
Attached letter submitted to the agency, further documents as pay stubs and original files are available on request when needed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Throughout XX/XX/XXXX, Loancare/XXXX  contacted me daily to remind me that my forbearance period, under the CARES Act, was ending and that I would need to resume my regular monthly mortgage payments ; the documented end date of which was XX/XX/XXXX ( see attachment 1 ). I resumed paying my mortgage payment as requested via check dated XX/XX/XXXX ( that Loancare/XXXX  processed XX/XX/XXXX ). Upon applying for my partial claim loan afterwards, I was told by their representative ( XX/XX/XXXX ) that I did not have to make the payment that they had been relentlessly requesting daily for the entire month of XX/XX/XXXX. The FHA COVID-19 Partial Claim documents sent to me via Loancare/XXXX  ( dated XX/XX/XXXX XXXX stated that the sum of the partial claim ( {$11000.00} ) would be for monthly payments during the dates of XX/XX/XXXX through XX/XX/XXXX. [ note the partial claim loan is for months beyond the original XX/XX/XXXX forbearance end date ] ( see attachment 2 ). 

So, as noted above, LoancareXXXX requested a partial claim loan beyond the period of my forbearance, after doggedly instructing me to make a mortgage payment immediately after the stated forbearance end date, i.e. XX/XX/XXXX ( which I complied with ). In essence, LoancareXXXX , incited the paying of an unwarranted extra mortgage payment, that they, in turn, used in a way that I did not authorize. They refused to credit this payment as a normal monthly mortgage payment when requested, despite already having funds to cover beyond the entire forbearance period via the partial claim. Furthermore, according to my recent mortgage statements, this XX/XX/XXXX payment was applied in such a vague and nebulous way, that LoancareXXXXXXXX own employees could not identify and explain how the payment was utilized ; for example, when asked about this, I was told by 2 agents that this extra payment was applied entirely to my principle ; something that I did not request or intend it to be used for. Again, upon examining my recent statement ( s ) from XXXX, XXXX, XX/XX/XXXX ; and a requested record of my account history from LoancareXXXX  ( see attachment 3 ) ; these documents give no indication of my mortgage payment of {$770.00} being applied, in its entirety, to the principle. When I called them again ( XX/XX/XXXX ) about this, an agent admitted that the payment was not applied to the principle as initially stated ; showing that even they were having great difficulty understanding their own calculations, statements, etc regarding this payment. With millions of people having gone into forbearance during the pandemic, I cant even imagine how many people this has no doubt happened to ; they should be given fair warning.

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 2022-10-14 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: MI

Complaint narrative:
I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off

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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing to dispute all inaccuracies off my credit report with Experian.

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 2022-10-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Unauthorized Inquiries appearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: ProCollect, Inc.
State: NV

Complaint narrative:
I been having problems with this company for awhile now back in XXXX while already paying money to this XXXX XXXX sent them a notice about moving to XXXX XXXX to take care of my family that was going through alot at the time I gave them the letter they said ok we will process it a year later in XXXX I get an eviction on my credit which baffled me from this same apartment mind you I informed them already of my intentions to move to XXXX to take care of my family then I went to the XXXX  and in XXXX of XXXX it was off my credit report due to them getting my information illegally I also included the lawyer I was talking to at the time that represented them that it wasn't suppose to be an eviction on my credit but then try to say they couldn't do anything about it even though I have been paying on time to these apts. I also attached the supporting documentation that show at XXXX of XXXX it was deleted off my credit report

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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My complaint # XXXX against Rushmore Loan Management LLP CLOSED/ RESPONSE FROM COMPANY The company deflected my direct and specified complaint that their affiliate XXXX XXXX XXXXXXXX XXXX XXXXXXXX have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

Defamations, intimidations and attempts to sanction a victim of financial crimes organized and facilitated by any licensed company is violations of FTC and shows systematic retaliation of " witness/victim '' who is protected by the CFPB efforts under financial crime laws, not to be downplayed by actors of fraudulent malpractices. 

Rushmore Loan Management LLP committed financial crimes and do not have any lawful authority to have dispersed any loans out of my property as sole owner, per orders and reports directly to their company that I have been verified to have been repeatedly victimized under identity theft, wire fraud crimes, that have been suppressed to protect perpetrator that has been unlawfully and fraudulently filed for " loans '' against property without any reasonable authority to do such. 

Rushmore Loan Management LLP has refused to follow protocols filed and refused to fund restitution as prescribed by orders filed by CFPB, XX/XX/22. 

In lieu of relief, Rushmore Loan Management has aided law firm with the suppression of loan documents, have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

I have supplied CFPB with threats directly from the parties involved and any threats, intimidation and retaliation to victim of loan fraud identity fraud scheme is directly contempt of CFPB orders, as consent and injunctive relief, plus stalling my restitution is obstructive of CFPB orders filed XX/XX/22. 

I have sought relief that CFPB and XXXX XXXX/RUSHMORE LOAN MANAGEMENT have denied with enthusiasm to harm victim after the fact and accessory after the fact. 

All motives to fraud must cease to direct violations of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an account with JP Morgan Chase bank for several years now and I have been involved in identity theft several times with them were someone has been obtaining my bank and card info I already filed a police report once and have record of it Im not quite sure if I have to do it everytime it happens but I have been reporting it to chase bank and today I tried to make a transaction and find out they closed my account without notifiying me and when I called to find out they said they cant tell me bank reserves the right not to inform the reasons. I want to file a complaint because I have not done nothing wrong dont understand why this happened and my money is there and I cant use it until they send me a check. I am a disable person and need my social security income and by the time I get a new bank account and inform the social security it will be too late so now everything will be delayed. I want to clarify this situation and not be delayed on my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent the CEO XXXX XXXX an email requesting that.they remove incorrect information credit report. There is an address that is on my credit report that I have never lived at. XXXX XXXX XXXX XXXX XXXX TN. XXXX. Previously Experian failed to investigate and offer a legitimate reason for not removing this address from my credit report. Please see the attached documents

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Please note this is a follow-up Complaint to Complaint # XXXX, wherein I was complaining that HSBC would not respond or process my request for past checking account records required for my elderly and ill mother 's XXXX application. 

XXXX XXXX the XXXX Customer Experience Manager of HSBC responded to me in writing on XX/XX/22 to that complaint stating HSBC would send me the requested records within ten business days. I have not receive any records from HSBC as of yet. These records are desperately needed in order to submit my XXXX XXXX XXXX mother 's XXXX application for care that she urgently needs ( XXXX requires records going back 5 years ). HSBC 's non response/delay is DELAYING MEDICAL CARE. 

At this point I believe the bank is not responding because the accountholder ( my mother ) is elderly ( XXXX ) and is XXXX. 

Please assist as I have written HSBC more that XXXX times, called HSBC countless times, emailed HSBC 's CEO, XXXX XXXX, and submitted an earlier complaint to the XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: IL

Complaint narrative:
I am requesting the Bill of Assignment for this alleged account. Without proving the ownership right of this account being transferred or assigned to COLLINS ASSET GROUP , LLC, this debt collection agency can not legally communicate with me or attempt to collect the alleged debt from me. Please be advised that providing a memorandum or other statement from your agency, COLLINS ASSET GROUP , LLC stating that the assignment of the account was transferred shall be deemed insufficient. 

Additionally, I have confirmed that this agency COLLINS ASSET GROUP , LLC is originally incorporated in the State of Delaware ( File Registration # XXXX ), however, in order to legally practice the collection of debt from residents in the State of Illinois, COLLINS ASSET GROUP , LLC is required by law to be licensed. 

Please provide me with a verified ( sworn to by affidavit ) Certificate of Authority from the State of Illinois, authorizing your agency to transact business in the State of Illinois and a photo copy of your State Department of Commerce and Insurance Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I Recently Viewed My Equifax Credit Report and Noticed EQUIFAX has An INQUIRY.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX I DID NOT GAVE OR AUTHORIZED EQUIFAX PERMISSION TO FURNISHED AN INQUIRY ON MY REPORT. NOR DID I SIGN AN AGREEMENT OR CONTRACT WITH EQUIFAX ... .SO I NEED THAT iNQUIRY TO BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 15 U. S. C. 1681 section 602 A. States I have the right to privacy. 15 U. S. C. 1681 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

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 2022-10-14 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: KEYCORP
State: AK

Complaint narrative:
Closed my account in XXXX XXXXXXXX XXXX of Key bank with branch manager, recieved statements contrary to facts and corporate claimed a charge off. 
As per rules 15 USC 169 ( e ) 1681 ( n ) 1692 ( k ) 1692 ( j ) furnishing deceptive forms FCRA rules 604 ( a ) ( 3 ) A5 ( b ) ( 2 ). These violations require {$1000.00} dollar fines Also 15 USC 1681 section 602 states I have the right to privacy 1561 604 ( a ) no written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello, I am trying to get the XXXX required minimum distribution for my mother which I am POA before this tax year ends. 

I have faxed the IRA Distribution form in XXXX and XX/XX/XXXX. Called on XX/XX/XXXX to follow up, and they stated it has not been received. In order to get it processed I have to go to a branch, I visited the branch XX/XX/XXXX and they would not process the request. 

This has been an on-going problem since XX/XX/XXXX. US Bank will not create a file for me for identification purposes. They will not save the POA documentation on file or my ID, so I have to go through this time-consuming, back and forth with no results process each year. 

I followed the instructions last year to get this year 's distribution with no success. If US Bank processed the required minimum distribution last year then I do not understand why it can't be done this year by the same POA presenting all the necessary documentation. 

Thank you for your time!

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 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

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 2022-10-14 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: IN

Complaint narrative:
In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXXcalled Chase Bank to enter in a fraud claim for a moving truck company, XXXX XXXX XXXX  ( fraud claim number XXXX ) and spoke with XXXX. Explained XXXX XXXX  company never sent a bill and kept trying to charge my checking account for different amounts that was outside the parameters of the signed agreement. XXXX informed me that the overdraft amount and fee would be reversed. Also requested that the debit card be closed to prevent any future charges until the vendor and I could come to terms of agreement. On XX/XX/24, called back to Chase and spoke with XXXX who confirmed that my account has been closed and debited by XXXX XXXX for over {$2000.00}. Never received any follow up correspondence from Chase or XXXX XXXX. Chase called weeks later informed my account is in the overdrawn state and closed out. Unable to resolve as I never authorized this from the vendor and the vendor never presented final bill when asked.

Company response to consumer: Closed with explanation