vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: AP

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
First of all they asked me for a {$100.00} fee then they got all my information from me and they deposited money in my account and then they wanted me to go and get pre paid cards so I can raise my credit score. Well never had a personal loan before I went and got the cards. Well in the meantime this person told me he will put in XXXX $ in my account and then I had to repay him with the cards. So my bank account got closed because they seen funny stuff going on. So I told the gentleman that I had to call the bank and he told me not to say anything about a loan or anything. Witch I was surprised to hear. So I told my bank a story and the loan people were on the other side listing to the conversation I was having with my bank and he would text me things to say. So now I owe my bank XXXX $ witch I dont have and one more check they deposited for 2000 $ so I am now trying to get my self out of trouble for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MD

Complaint narrative:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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 explanation
Consumer complaint received 2022-07-08 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: NY

Complaint narrative:
Accounts on my report I dont recognize

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 2022-07-08 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: NY

Complaint narrative:
Accounts on my report I dont recognize

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 2022-07-08 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: NY

Complaint narrative:
Accounts on my report I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
My mortgage was transferred to ServiceMac as of XX/XX/XXXX, while trying to set up my account online to make a mortgage payment which is due on XX/XX/XXXX I found out that I wouldn't have my online access until XX/XX/XXXX. 
I believe it's unacceptable as my account transferred as of XX/XX/XXXX. 
So I made a payment from my bank on XXXX make sure I have my mortgage payment made on time, as of today, the payment amount still not applied to my mortgage despite several phone calls to the service provider. 
The payment is missing and a schedule payment option is still unavailable to me.

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 2022-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: South Coast Doc Prep
State: NC

Complaint narrative:
Scammed by south coast doc prep on XX/XX/22 They called saying they could help forgive my loans and took personal information and then told me I could get {$30000.00} forgiven and just pay {$2000.00}. They could offer me this through the pay as you earn and public service loan forgiveness program. I would have to pay {$240.00} for 5 months and then {$77.00} for the rest of the time until I hit {$2000.00}. I have to make my first payment XX/XX/XXXX of {$240.00}. But I dont plan to pay because after doing research it is a scam. But they have my debit card number and social security and can take loans out in my name. Huge scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
On XXXX, 2016 XXXX XXXX XXXX XXXX  received a payment from me. The account has since been closed. The payment was for XXXX dollars. They placed a charged off and payment status on my account. This is fraudulent. The other two credit bureaus XXXX  and XXXX has ceased reporting and removed the account from my credit report but transunion has not. It is not legal that the company can charge off the debt sell it to another company and then write it off on their taxes. My payment has been made. In addition it has been 7 years since the last payment, by law it has to be removed.

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 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
During the Pandemic the Biden administration offered a mortgage abatement program for those who were affected by job loss as I was. I took advantage of it. 
When the plan expired I had completed the mortgage program paperwork to have the government send the money for the months I hadn't paid for to the mortgage company. The amount was about XXXX for the two years. 
Near the end of the of the mortgage program the mortgage company offered a loan modification to supposedly help me. We went through a trial period on the mod and everything was ok until they told me that I now could not recieve the money from the government because I was in a loan mod. This mod would take me from XXXX a month motgage to XXXX per month. This fact was never made clear to me up front, so I now feel like I was scammed. The paperwork for the government payment came in about this time and the mortgage company refused payment. Now they expect me to make a payment that I can't handle because I'm on a fixed income. I refused the sign the final paperwork on the loan mod because of this. However the mortgage company is following through as if I had signed the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : ALLY FINCL/ {$0.00} / XX/XX/2018

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 2022-07-08 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:
[ " NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT DECLARATION OF PRIVATE LIEN, RECONVEYANCE, REVESTMENT, LIVING REVOCABLE PRIVATE TRUST, POWER OF ATTORNEY IN-FACT, PRIVATE TTEE 's APPOINTED Live Life Claim According to 15 USC 1615 and TITLE 15 USC 77 ( r ) the securities to cover the payment has already been paid in full via Birth Certificate XXXX XXXX and the back of the Social Security Card XXXX XXXX number being the Payment XXXX, which both XXXX  XXXX and XXXX XXXX file numbers are the reference numbers. The surtey for the principal... I hold stock and that's the B.C. and SSC. Without prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This matter is guilt under the False Claims Act 31 U.S.C ... 3729-3733. This is also defamation of my character and against my SOCIAL SECURITY MORTMAIN VESSEL. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recorded with the XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Good morning I sent Resurgent Capital Services on XX/XX/2022 several very thorough requests to validate my debt and only received a mere portion of the requested documents I asked for. 

I reminded them that according to the FCRA they are required to validate the debt thoroughly and accurately and I have yet to receive all of the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Innovative Funding Services, L.L.C.
State: PA

Complaint narrative:
Approved for auto loan XXXX 3.65 %. Signed initial agreement on XXXX which included a {$2100.00} warranty plan that was never discussed. Declined the warranty and my rate was increased to 5.1 %. 
Loan has been in funding since XX/XX/23. On that day I paid $ XXXX. Multiple outreaches to Tresl and manager with no answers. Today is XXXX. 
The seller has not been paid and Tresl provided a timeline of 4-7 days for funding. No payment. No explanation. Rate increase after declining warranty and terrible costumer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX contacted my brother on XX/XX/XXXX by phone and text regarding an old debt of mine that was discharged in bankruptcy in XXXX. I have tried contacting them to notify them that the debt was discharged -- but I keep getting automated texts and no acknowledgment of the debt being discharged in a previous bankruptcy.

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 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 


XXXX XXXX / {$670.00} / XX/XX/2022 XXXX / {$710.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.

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 2022-07-08 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 — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : DPT ED/AIDVXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Goldman Sachs / Apple credit card, have consistently failed to update my credit file with the 3 major credit bureaus, XXXX. XXXX, XXXX and XXXX. The failure to accurately report the status of my credit on a regular monthly basis is in violation of the Fair Credit Reporting Act and thus a violation of my legal rights. This failure is adversely impacting my credit score and thus my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
( was not allowing me to add my social in the last page my last XXXX of my social is XXXX ) On XX/XX/2022 I sent a collection company ( Penn credit corporation ) a dipute letter request evidence of contract since I never had a debt with this company the letter was sent certified mail with tracking number XXXX ) the company failed to send the requested information and is still being reported in my credit and is causing me to fail to complete the purchase of my house. I contacted the company multiple times and they assure me since they didn't have enough proof of the debt being mines is deleted from there collection agency they provided me with a ref number XXXX. I asked for a letter of deletion and they are giving me the running around. I disputed the debt with all the Bureus and XXXX wrote that the debt was verified as accurate?? How is that correct when the company didn't provide the requested information in a reasonable time and also asure me the debt is deleted? Please help me with this matter because this can harm me very seriously and it's a fraud what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account 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 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We have been complaining to Bank of America, to XXXX and CFPB since the start of the Financial Crisis in XXXX 
THIS IS OUR LAST COMPLAIN. 
Its is in response to the last letter ( case # XXXX ) received from Bank of America Resolution Specialist.

With all our respect The BofA Resolution Specialist is missing the point. 
This complaint is NOT about present interest of BofA in this Loan. 
This complaint is about BofA past Loan Modification Fraud. 

A little bit of Justice will be greatly appreciated. 

How did Bank of America prevent mortgage modifications? 
What we have learned through former BOA employees and supervisors is that BOA engaged in a scheme of deceptions, misrepresentations and outright lies to keep its customers from getting XXXX mortgage modifications. 

Among other things, BOA would : Repeatedly and intentionally lose customers modification applications Falsely claim that the applications were incomplete or stale Tell applicants that they could not qualify unless they were behind on their payments Charge its customers unnecessary fees Fail to apply customers payments to the proper accounts. 
BOA did this because it figured out that it would make far more money through foreclosures or less favorable mortgage modification than through XXXX modifications. 

As a result of its fraud, BOA has been forced to repay the United States government a XXXX XXXX! What BOA has not done, however, is repay all of the customers it defrauded. Thats what our law firm is committed to do for our clients getting them the justice they deserve. 

What BOA has not done, however, is repay all of the customers it defrauded.

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 2022-07-08 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX for Repair Services in the amount of {$510.00} on XXXX XX/XX/2022 pulled from XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account 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 2022-07-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.

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