vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
Carrington Mortgage recently purchased my mortgage from another mortgage company. I was never contacted by the company to tell me my mortgage had changed hands. After 30 days they claim they did a vacancy check and charged me XXXX dollars. Why go through the effort of sending a person to my house instead of attempting to contact me by phone, email, or other means? They claim the {$25.00} dollar fee is in my contract. I never signed a contract with Carrington, and the contract I signed with the previous mortgage company does not contain this clause. They have not shown me any evidence that they did a vacancy check, attempting to contact me, or even shown me that I signed the clause assessing the XXXX dollar fee. They've asked me to send a fax ( FAX? ) or write a letter to a XXXX XXXX XXXX This is 2022, why not email or phone call? This is undoubtedly to discourage people from disputing these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-08-01 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: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
My XXXX score went from XXXX to XXXX in XXXX months. This caused my alarm. Further research and a company named FBC Mortgage did a hard inquiry on my credit. I did not authorize this. 

First address from XXXX : XXXX XXXX XXXX XXXX FL XXXX Left a message with their legal and received no response : XXXX XXXX Next hard inquiry was for FBC Mortgage from XXXX Certified Credit XXXX Cabot Rs # XXXX XXXX XXXX CA XXXX No phone number available

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Conn's, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I have an account with Zelle via my banking institution, XXXX XXXX. Someone else fraudulently set up an account using my phone number, which locked me out of my account and also allowed them to potentially receive money sent via Zelle to my phone number. I spoke with both XXXX XXXX  and Zelle. XXXX XXXX  is unable to handle the fraudulently created account because they do not manage Zelle accounts outside of XXXX XXXX  Zelle accounts. Zelle claims it is not their problem because I use Zelle via a bank. I am uncertain if anyone has used my phone number to request payments or collect funds because I can not access my account. The only solution Zelle offered was to link my account to my email address and discontinue use of my phone number. This is worrisome because friends and family use my phone number to send me money via Zelle. I can not be assured that someone else is not collecting those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it 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 explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX DATE XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMPLOYEE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2022-08-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX/XXXX  A XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX, 2022 paid last payment to AFFIRM INC . I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED AFFIRMS REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD AFFIRM SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. AFFIRM HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK AFFIRMS WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX AFFIRM CONFIRMED DEBT... BUT SDNT NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call affirm ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be XXXX days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are XXXX medical debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes per accounts that are not been properly Investigated the disputes is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the XXXX accounts listed was coved by medicaid Insurance to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companies nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my healthcare data

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 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize the credit inquiries below. 

XXXX XXXX XXXX  Location XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX/XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/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 2022-08-01 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.C.S. Companies, Inc. I
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX XXXX XXXX Account Number :

Company response to consumer: Untimely response
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On Saturday XX/XX/22 I was notified I had overdrafted. I looked at my account and a check had been cashed for {$5000.00} and in the memo it read " car sale ''. I was very upset so I went to a local Citizens Bank and told the teller what was going on and was told that they had no time to see me, and she sent me to another branch. This upset me further but I went to another branch. The teller began saying they had no time to see me at this location as well, despite telling her a large check was cashed and it was not me who wrote said check. She told me to come back in 45 mins. I returned and dealt with the same XXXX I dealt with on XX/XX/22 when my debit card was compromised. I explained I did not write this check as I have never had a check book, and asked why I wasn't notified about such a large amount of money being withdrawn. I was told the bank can not notify every person whenever a check is cashed. The bank did not mention/offer a provisional credit and actually had me withdraw my own money to get through until I spoke to the police. At this time the fraud department ( who I could not get through to at all during the morning ) had the complaint and was beginning their investigation, so the bank XXXX told me to come back on Monday XX/XX/XXXX at XXXX. I returned this morning and asked several questions 1. How did this check get cashed when they have on record I have NEVER written a check OR ordered checks from them.

2. I was in the bank not 2 weeks earlier reporting a fraudulent attempt on my debit card, at which point I was issued a new one. So why wasn't my account flagged as it was reported by me to the bank XXXX that my information was attempting to be stolen. 
3. My car payment was taken out the same day I supposedly was spending {$5000.00} on a " car sale '' as the memo read. And this went unnoticed within THE SAME BANKING INSTITUTION! 
4. The {$5000.00} check was deposited on XX/XX/22 and sat for 3 days waiting for approval to go through, and I was NEVER NOTIFIED! 
5. The check and signature are CLEARLY not written in my hand writing. 6. I do not overdraft often, why didn't anyone notice that this check was for {$5000.00} and I only had {$300.00} in my accoun
t. 
I have had to take {$1500.00} of my own money to use while this is being investigated and was told by the XXXX today that this shouldn't have ever happened due to all the reasons listed above. 
Nothing was done by Citizens Bank to prevent this money from being stolen. I asked why there is a fraud dept and why I'm giving them my money/business to protect my money, when not ONE SINGLE PRECAUTION was taken to stop this check from being cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was approved for forward payment mortgage assistance in XX/XX/2022. The following month, I provided the award letter to the mortgage company, Nationstar aka Mr. Cooper, to have for their records. This letter detailed XXXX forward payments would be paid by the XXXX XXXX XXXX XXXXXXXX XXXX under the Homeowner Assistance Fund ( HAF ) program. After calling Mr. Cooper multiple times for payment status, I was told late fees and negative credit reporting would follow late payments regardless of the commitment and guarantee of a government agency sending the funds. 

I requested to speak with the XXXX point of contact within Mr. Cooper and I was told there was not anyone assigned to deal with HAF. I had been communicating with the Florida XXXX consulting firm and they advised that payment for XX/XX/2022 had already cleared with an email dated XX/XX/2022. However, upon calling Mr. Cooper, loss mitigation department could not locate the payment nor provide any information on funds received or when they would be posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: NY

Complaint narrative:
Hello, I just received a notice in the mail from US Bank that someone or entity tried to applied for a credit line under my private information. I'm really upset about this and this is not the first attempt. Lucky for me the thief was not able to get the credit line because it was not approved accordingly. I would like this to also be removed from my credit cord, being that I am doing my best to fix it. US Bank XXXX needs to do better by protecting people information to prevent these theft from happening. Please le t me know if there is any additional information needed to address this issue head on. Thank you for your time and assistance with this very delicate matter.

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 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
As a federa

lly protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consume
r DEMANDS the following below : Account Name : FAIR COLLECTIONS AND OUT Account Number :

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 2022-08-01 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: Advantage Credit, Inc.
State: GA

Complaint narrative:
Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX XXXX shows : XXXX of XXXX  180 days late, XXXX of XXXX  180 days late, XXXX of XXXX  180 days late. 

XXXX shows : XXXX XXXX  120 days late, XXXX XXXX 120 days late, XXXX XXXX 120 days late XXXX shows : XXXX XXXX 120 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: AZ

Complaint narrative:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation