vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX  was fined for opening up fictitious loans without knowledge of property owners and without appraisals for properties. 

I reported that XXXX XXXX  and all subsidiaries with attorneys acknowledge fictitious loans were used under identity theft, property title theft and other organized financial activities over years, but did not honor any civil penalty relief, as ordered. 

Rushmore Loans explained they can not speak to me by phone and referred me to their attorneys that chose defamation of my character, perjury on court documents, evaded the discovery due process and did not file any actions against known predator fraudster that did not show for any court hearings. 

XXXX XXXXRushmore and XXXX XXXX attorneys threats and motions to seize my property all were in direct violations of civil penalty relief.

The attorneys filed they were not able to get any " stipulated agreement '' in direct willful contempt of victims relief for fictitious loan schemes and influenced courts to racketeer and advised me to get an attorney. All these acts of racketeering, avoidance and the contempt of court is verifiable and registered in docket files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I received an email from who I thought was Milestone Mastercard ( whom Ive had a card with before ) and it was for an offer of {$700.00} credit limit so I applied with personal info. After applying I realized the website was redirected to two other sketchy websites and after inspecting the original email closer, I realized the email was indeed fraudulent. So now I am worried about my social security number being used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11 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: NV

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NV

Complaint narrative:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: TN

Complaint narrative:
Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-07-11 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: TN

Complaint narrative:
Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
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 2023-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
To avoid a foreclosure sale, I hired a real estate company and had the home put on the market. There were several offers received from buyers. I signed a contract with the highest offer and submitted it to Mr. Cooper along with a short sale application. Mr. Cooper sent both a real estate agent and an appraiser to evaluate the property. About a month prior, my real estate agent also recommended I order an appraisal of the property. 

Mr. Cooper rejected the buyer 's purchase price and offered a counter offer. The buyer increased their offer by $ XXXX but wouldn't go up any higher based on the current condition of the house. I also submitted my licensed appraisal report to Mr. Cooper, which valued the home at $ XXXX. The buyer was only willing to pay $ XXXX because of the recent underground oil tank spill that caused there to be no hot water in the house. They were concerned about the potential cost of an environmental clean up. Additionally, there are tenants currently in the home that might remain after the closing and have to either be bought out or evicted, which is an additional expense. This was explained to Mr. Cooper and they were asked to reevaluate the value of this property. They rejected the counter from the buyer. 

We asked them to release their appraisal report and BPO that they were using as a means to reject the current contract price and they refused to release either report. I checked my statements and they had charged a fee for the valuation but said they were not obligated to share the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: UT

Complaint narrative:
Our company received an invoice from XXXX XXXX in XXXX of XXXX regarding an alleged re-delivery charge for a pallet sent to us by a vendor in XXXX of XXXX. We reached out to XXXX XXXX at that time for more information and were told their driver noted they attempted delivery to our warehouse in XXXX but we were closed for business and they were unable to deliver the load. 

I informed them that was a false claim and we were absolutely open for business during our listed hours of XXXX. Additionally, I have provided video evidence from our surveillance system to their XXXX XXXX department proving without question we were open for business and their driver 's claim was an outright lie. 

The re-delivery charge listed is {$600.00}. This week I received a letter from a " collection '' agency named The Receivable Management Services LLC with a demand amount of {$25000.00}, referencing the XXXXXXXX XXXX balance information but adding a fee of over {$24000.00}.

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, XXXX  marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have had an active account with Fortiva since the beginning of last year ( 2022 ) and have made payments on time since its start. I was not notified that they were to be closing my account and opening up a new account in my name ( they called it an " automatic upgrade '' ) in XXXX of this year. The first I heard about these changes were through XXXX XXXX, who let me know that the Fortiva account I had before had been closed and then another had been opened and the previous balance transferred. I got a letter and a new card in the mail a few weeks later, and when I called to have these changes reversed by Customer Service, they said they can't reverse the changes. They offered to close the account, but the remaining balance would have had to be paid in full to avoid penalties, excessive interest, etc. I never agreed to these changes, and they have impacted my overall credit scores and inquiries/account histories for my credit report. I have tried multiple times to contact Fortiva and every time I have, they tell me it's not possible to reverse these changes that they made on my behalf, even though they were done without my consent. 

Companies should not be able to just close your account and start a new one in your name without you deliberately opting IN to the change, and this company has decided that a lack of response from its consumers constitutes permission -- this is ( or should be ) illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
After filing an initial complaint regarding an unauthorized inquiry on my credit report, Tower Loans refused to remove the inquiry. They replied through the CFPB portal that an FTC affidavit needed to be filed and emailed to the email provided in their pdf reply. On XX/XX/2023 and email was sent to XXXX XXXX, Director of Compliance for Tower Loans with the FTC affidavit and a notarized affidavit attached. As of today, he has not responded nor has the inquiry been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NV

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, 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 2023-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Click n' Close, Inc.
State: FL

Complaint narrative:
We recently closed on our Single close construction loan on XX/XX/XXXX. Our loan was brokered out to Click n close mortgage through XXXX XXXX XXXX. We were contacted the afternoon saying the dates were incorrect on the closing documents and would like use to have them re-signed and notarized ( must be notarized with the date of XX/XX/XXXX. At first I didn't think anything of it and agreed to resign. Then on XX/XX/XXXX via phone I was contact and told that not only was the dates incorrect but the money the was originally added into the loan to take care of any payments ( mortgage/interest ) was taken out of the loan back in mid May without out our knowledge and they were sure why but they would look into it and find out. 
Later that afternoon I was told Click n close mortgage took the funds out without our knowledge and they agreed that we should have been notified but no one did. Then I looked over the paper work we signed at closing XXXX the paper work they wanted us to resign. The paper work we signed at closing said our mortgage payments would start XX/XX/XXXX ( which made since since the build was to take about XXXX yr to complete ). The new paper work was for use to agree to start making mortgage payments on XX/XX/XXXX or we could sign a wavier to have them take the payments out of our 10 % contingency fund that would cover us for 8 months. If the build wasn't complete by then we would then have to start making the payments our selfs. Also since the contingency would be used for mortgage payments if we went over on the build with changes we want to make we would have to pay that out of pocket or they suggested we get an additional line of credit or have the build just put a lien on the house until we paid him back. 
None of these option seemed like a good finical decision and they said our only other option would be refinance. I believe they should honor our contract that we agree upon and signed at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with non-monetary relief