vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
In accordance with the Fair Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM account with a balance of {$240.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but Kohls / Capone keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
We received two packages in the mail, one each from Mongomery Ward and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I googled it came back as a fraudulent : XXXX. I simply want the accounts closed. I worked with identity theft.gov and sent required letters to both companies. Spoke with representative XXXX and she relayed they did not receive my letters. I mailed certified letters and company acknowledged receipt, but still haven't closed the accounts despite working with the XXXX  and local law enforcement. I'm certain the companies internally set up the fraudulent accounts and now won't close them. 
Beyond calling a lawyer what else could/ should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was XXXX XXXX XXXX and XXXX from late XXXX to XX/XX/XXXX. During this time one of my AMEX accounts that was not on autopay fell behind. When Amex called after being a few days late I explained what was happening. They did not give me an option to enroll in any relief. As my condition worsened they continued to call 10 times daily and my wife answered and also tried to explain but since i was not able to speak to verify due to XXXX XXXX XXXX. My wife also emailed them and attempted to complete online. In XXXX after my health improved after recovering from XXXX i contacted AMEX. They did remove some late fees but refused to remove negative impact on my credit report and also lowered my credit line both of which caused my score to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Investigation took more than 30 days
Company: AFNI INC.
State: FL

Complaint narrative:
XX/XX/22 XXXX XXXX, AFNI and XXXX XXXX. 

RE : We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/22 XXXX XXXX, XXXX and PORTFOLIO RC. 

RE : We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: IL

Complaint narrative:
On XX/XX/2022 - I XXXX XXXX sold my home in a Short sale. 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I followed all process as directed to me by my Loan servicer Equity Prime Mortgage and my lawyer Equity Prime Mortgage : XXXX account # XXXX This sale was also recorded by U.S Department of Housing and Urban Development -HUD FHA Case # XXXX In XXXX of 2022 I received a new letter from XXXX XXXX XXXXXXXX XXXX ( A company I've never conducted business with ) informing me that Equity Prime Mortgage transferred a loan to them - I contacted XXXX to dispute that debt and explained the property was sold in an approved FHA short sale and i have walked away from the property - They are currently investigating but have sent me a letter : Our records indicate the current investor or note holder of the loan is XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX is the current servicer of this loan on behalf of the investor or trustee The investor or holder may be contacted through XXXX at XXXX XXXX XXXX, XXXX XXXX IN XXXX, Fax XXXX or by telephone number XXXX XXXX  Account # XXXX The Title company involved in the closing of the Short Sale was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX phone | XXXX fax | XXXX  Underwritten By : XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hello, Backstory : I have purchased my home in XXXX of 2021 in XXXX FL and I have a mortgage on the property. I set the mortgage payments to autopay and I've never had a problem with it. All the payments came out as they were supposed to until XXXX when without me realizing it the autopayment suddenly stopped. I only realized this in XXXX when I had already missed the XXXX, XXXX, and XXXX payments. ( I live outside of the country and I did not receive any correspondence in my primary residence in XXXX. ) What Happened : I finally was able to piece what happened to my mortgage. XXXX who was my mortgage holder sold the mortgage to SPS who is now the mortgage servicing company. SPS for some reason did not bring the autopayment over and I do not recall any letter disclosing this fact. So SPS cancelled my autopayment. APR FROM 4 % to 18 % This past week when I finally realized what was going on I called SPS and they said that the amount to bring the loan to normal was XXXX, when I asked why if the normal mortgage payment is only XXXX per month, they informed me that since I was in default they could change the mortgage APR to 18 %. I went as far as asking if there is no protection period for when a mortgage is sold and they said it was only 90 days ( under my calculation I would be under this protection ) but they denied me. What I did : I payed the over XXXX XXXX dollars they requested to bring the loan back to normal but I will not have to fight to get back what I believe to be an unfair practice of raising my APR 4-5 times what I have under contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but XXXX XXXX XXXX keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late

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 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
Since I did not receive a final bill from Financial Asset Management Systems , Inc., since XX/XX/XXXX, I decided to contact them about my collection account with them since I was under the impression that I was almost finish paying XXXX in full. Next, I contacted FAMS to confirm my payment history and their representative confirmed my payment history of 21 payments out of the 31 payments that I have made thus far. In XXXX, one of the bills that I generated from XXXX XXXX XXXX in XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX to resolve the issue because I was told initially that {$60.00} would cover everything. Then within 30 days I received surprised multiple bills from XXXX XXXX XXXX. That issue was never resolved. Then I decided to make arrangements for {$10.00} which I have made. During the inquiry, I discovered that my payments were not being properly posted to my collection account with FAMS. After, I brought FAMS accounting errors to their attention then they decided to close the account and send it back to XXXX XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX XXXX XXXX, and she provided confirmation that I made 24 payments and stated that FAMS send them the payments every 2 to 3 months. However, both companies are violating the Fair Debt Collection Practice Act when they are intentionally collecting an amount greater than I owe. From my perspective all accounts should be verified when they are sold or received. Also, consumers should be provided a receipt of their new and final balance before and after paying their final bill. Consumers should not have to do collection agencies accounting discrepancies. 

In addition, the way both companies posted my monthly payments made it appear, as if, I am in the rear when I am not. For example, the dates of the money orders are for that particular month, and they should not be carried over to another month. Instead, they are just posting my payments, and some of the payments are not in sequential order with those dates on the money orders that have been posted to my account. As a consumer, I find it very odd that both companies would implement the same practices and refuse to forward payments over to the collection company that they hired. Also, this is a clear indication that the billing information is not properly verified, and names or detailed notes are not kept on accounts for verification. 

To resolve this issue, I am requesting that these practices be fully investigated so this can be prevented from happening to someone else and my overpayments to FAM. 

I have attached some of the communications between XXXX to XXXX and their contact information is on their bills and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I emailed the following on XX/XX/XXXX to help@rocketmortgage.com, which has since been updated with more statements of fact : I just had the most unhelpful interaction with a Rocket Mortgage employee ( XX/XX/XXXX and XX/XX/XXXX ) and I wanted to let you know that I don't appreciate it. I called on Friday XX/XX/XXXX to find out when my PMI will drop off my home loan ( XXXX ) after receiving a notice in the mail from Rocket Mortgage with details about removing the PMI. I got unwittingly got transferred to XXXX XXXX in sales, who told me that she would " check and see if she could get it off earlier than the XX/XX/XXXX date ''. She said she had to run my credit to do that. I didn't sound right but I figured that she was being forthright because she is properly trained and held to the ethics and disclosure standards of a financing company. The PMI is very low at roughly $ XXXX a month. 

I didn't hear back so I followed up with her XX/XX/XXXX. On a follow up call today she said that the only way to get PMI off early would be a re-finance ( at a much higher interest rate ) or an appraisal ( estimated at {$500.00} ). Neither of which am I interested in and this should have been disclosed during the conversation on Friday XX/XX/XXXX. 

This puts a bad taste in my mouth because your company is a loan company, held to certain standards of fairness and disclosure by the Consumer Financial Protection Bureau. By not disclosing this information ahead of running my credit and then trying to sell me on another product- is just tasteless and unethical and calls into question how ethically responsible Rocket 's business practices are. In addition, I got two follow up sales calls to try and get me into another loan in the days following my call with XXXX on XX/XX/XXXX. It's clear that their priority isn't servicing the client, it is reaching their sales goals. 

I just became a customer in late XXXX when I refinanced and I want to be able to trust the company that I am working with for my largest purchase. This calls into question aggressive sales tactics that are misleading and unethical. I will no longer call them with the understanding that they are there to service my loan, but I will take a more defensive approach knowing now that they are okay with misleading existing customers to get to whatever their sales goals area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
We received two packages in the mail, one each from XXXX XXXX and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I XXXX  it came back as a fraudulent : XXXX. I simply want the accounts closed. I've worked with the local XXXX, law enforcement and identity theft.gov and still the accounts are open.

Company response to consumer: Closed with explanation