vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
This letter is in reply to your no response, in response to my letter dated XX/XX/2020. In my letter dated XX/XX/2020, I disputed the ALL of the debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 



First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you completely ignored me.Ignoring me isnot a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 



Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false. 



Due to the foregoing, you have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of myselfand received within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Conn's, Inc.
State: TX

Complaint narrative:
1. ) Account Status : XXXX is reporting this account as " CLOSED ''. And XXXX is reporting this account as " PAID ''.

2. ) Payment Status : XXXX is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX  AND XXXX HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
In XXXX of XXXX, Quicken Loans closed a cash-out refinance with us. We signed our closing documents, funds were disbursed to our account, and we were scheduled to make our first mortgage payment in XX/XX/XXXX. 

In late XX/XX/XXXX, we became aware that our prior lender XXXX XXXX XXXX XXXX  had not been paid off. 

We have been cooperatively working with Quicken Loans toward resolution of this matter for the last six weeks, and theyve been giving us the runaround. 

Most recently, weve been pressured to move forward with a second refinance. The loan figures do not appear to be accurate, and the terms of the proposed refinance do not seem fair. The proposed refinance includes costs for interest incurred on funds that Quicken has held since the beginning of this process and late fees assessed on a loan that was never completed while weve still been making payments to our current lender, XXXX XXXX XXXX XXXX. 

We feel that Quicken Loans has been mismanaging this resolution process, and has arguably been deceptive in their approach to fixing their mistake. 

We have spent countless hours on the phone, reviewing documents, identifying errors, and requesting corrections often to no avail. 

More details are included in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. ALLY FINANCIAL XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.

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 2021-03-06 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
1. XXXX XXXX 2. XXXX CHRYSLER XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to XXXX  and XXXX  about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: WA

Complaint narrative:
I received a letter from I believe XXXX  requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the XXXX  data breach and my life has never been the same since.

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 2021-03-06 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: MN

Complaint narrative:
There are numerous accounts listed on my credit report. I am unsure who's they are. 103 Claims true identity fraud/account fraudulently opened.. please remove them from my credit. 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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are numerous accounts listed on my credit report. I am unsure who's they are. 103 Claims true identity fraud/account fraudulently opened.. please remove them from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I wouldn't know my credit report was damaged until I planned to get a pre-qualification letter. I never think of that I will have problems with my credit score because I always pay off everything on time. But my bank Mortgage specialist told me that I did have a Collection reported on XXXX! I tried every way to look it up, found out that is a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX  which I have ZERO knowledge about this company or NEVER received ANY letter from this company!! SO I called XXXX  to dispute the collection, also asked how this happened, the customer rep provided me with a number to call CREDIT MANAGEMENT. I called CREDIT MANAGEMENT, a lady who answered my phone asked for my whole SSN, my last name, my mailing address, she answered me that I have no collection under my name! I told her that there's a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX. She put me on hold, after a few min, she asked for my birth year, and my first name. Then she told me that the one who is under that collection has the same Last name as mine, but her birth year is XXXX, mine is XXXX, plus we both have totally different mailing address! Which is a ridiculous mistake!! How can a collection company made this kind of funny joke to high impact on a person 's credit score? So the lady told me to hold and transfer me to their customer relation, which made me wait for more 20 min on the phone, ended up with asking me to leaving a message for them to call back on an auto machine setting!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

12. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I open my PayPal account was using it peacefully and had no issue until I was in XXXX XXXX, I add money to my account to buy my ticket back to XXXX when I release that I cant use my PayPal debit card even being that I just load money. That was the only cash I have, I have to get stranded in XXXX XXXX for two days going back and forth with them. They said there are account which are linked to my name and social and have negative balance which I have to resolve, I send them information like police report and XXXX XXXX report on my information being compromised but it been almost a month now, last week they sent me an email saying my account has been restored, view and when I when I check it was not and during that time I couldnt do anything to my account, and I saw a transaction being made for XXXX XXXX for XXXX $ which I haven no idea how that happen, as of now, my account is frozen with XXXX . I am writing for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 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: GA

Complaint narrative:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : XXXX  XXXX  XXXX  , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-XXXX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : TRANSUNION : XXXX, XXXX XXXX  FRAUDULENT ACCOUNTS : TRANSUNION XXXX ACCT XXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX  XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : EQUIFAX XXXX XXXX , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-EQUIFAX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  : XXXX, XXXX  XXXX  FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
I initially took a loan in XXXX and Cardinal Financial registered the mortgage with my county clerks office in XXXX. I'm in the process of selling my home and the title company informed me that Cardinal Financial registered two mortgages with my county clerk office. One in XXXX and another in XXXX. When I received copies of the filings, I realized that Cardinal Financial filed duplicate mortgages using the initial VA mortgage from XXXX and filed it again in XXXX. My home was set to close in 4 days and this erroneous duplicate lien on my property is causing extreme hardship on my family and increased closing costs. My closing has been indefinitely postponed. I reached out to Cardinal Financial and sent them copies of the duplicate registrations to try and get one discharged. I was told it would take 30 business days for them to correct an error they made. I feel it is very unfair of an institution to make an error causing severe consequences to a consumer and not be liable for the damages caused. Most Financial institutions can resolve a lien immediately when its correctly filed. There should be some urgency when institutions file them incorrectly. Cardinal Financial has not been cooperative in finding a resolution correcting an error they made. There should be some safeguards preventing an institution from filing erroneous liens on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO is claiming that I owe them {$870.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Someone has created a password to have access to my credit report. This is on Karma credit. The user is XXXX. This not my user name and I am unable to correct or change anything. Also someone has given access to a lender to hit my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has my money and won't allow me to access it! These guys are crooks! They don't even have an address to contact! There was over XXXX in my account and they froze it! It won't allow me to withdraw or trade ... ALSO LOOK INTO OTHERS AS WELL! A LOT OF PEOPLE ARE HAVING THIS PROBLEM!

Company response to consumer: Closed with monetary relief