vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have been trying to dispute a debt that is being reported on my credit from CCS collections. I have repeatedly asked for documentation/ contract stating I did business with the original party which is liberty mutual and they have not produced any documents to me. I have tried to dispute this multiple times with all 3 credit burues and CCS collections has only written them back saying the debt collection is valid. I never did business with XXXX XXXX or CCS collections and want this removed from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2022, I requested a forbearance extension via their online web portal. Today, XX/XX/2022, I received a message stating " Due to the status of the account, we are unable to submit the forbearance extension via the Message Center. ". This company gives me trouble every time I attempt.to extend my forbearance. I am entitled to six more months and it has required a CFPB complaint for the account to be fixed each single time. This is beyond egregious. 

I also submitted a mortgage relief application through the state, and the state has said that they have been waiting on a response from the servicer for about a month now. As I said before, all of SLS 's actions appear targeted to result in foreclosure.

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 2022-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NCP Holdings, L.P.
State: OH

Complaint narrative:
I initiated a refinance on a loan XX/XX/XXXX. I was approved for {$2600.00} to pay off {$1000.00} balance and to obtain {$1500.00} in my account the following day. On XX/XX/XXXX, the funds were not in my account. I contacted QuickCredit and the representative informed me that I selected the option to receive funds by mail. I informed the representative of my emergent situation and asked if I could change the method of payment to direct deposit. The representative could not change due to the " binding contract ''. However, I was ensured that the funds were mailed on XX/XX/XXXX and that it would take 7 - 10 days to receive. By XX/XX/XXXX, I still hadn't received the check/money order. I call QuickCredit again and explained my situation from the beginning ( as mentioned above ). The representative stated she was going to investigate and track the check/money order and email me back no later than 4 hours. After 4 hours, I did not receive an email but did receive a call regarding a missed payment. When I returned the call, I again explained to the representative my issue and that I will not be making a payment since I have not received the funds. The representative at this point claimed she could see the notes regarding the investigation/tracking of the money order and that it would take 48 hours for a resolution. A few hours later, I received an email from the representative I spoke with earlier that day on XX/XX/XXXX. The email indicated the money order was actually mailed out on XX/XX/XXXX not XX/XX/XXXX. No other explanation provided. In disbelieve and frustration, I called the company again after receiving the email and demanded that I receive the funds via direct deposit. The representative stated that could not be since the check has already been mailed and to allow 7 - 10 days to receive the funds. On XX/XX/XXXX, I called QuickCredit to inform them I have yet to receive the funds in the mail. The representative placed me on hold to investigate and stated the money order was mailed out on XX/XX/XXXX not XX/XX/XXXX and to allow 7 - 10 business days. At this point, I may be getting the runaround and need assistance. The company has marked me with two late payment. So instead of owing XXXX I owe XXXX for funds I haven't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXX XXXX  XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ),, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXXXXXX XXXX  ( XXXX ), XXXXXXXX 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 explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought a tv from XXXX. I took it back to XXXX and promised a replacement. My replacement TV never came and my bank refuses to give me a refund for the stolen money,

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 2022-09-02 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: MOHELA
State: CA

Complaint narrative:
MOHELA/DEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

MOHELA has failed to provide with the actual contract. Mohela has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or Equifax to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.

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 2022-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have tried to resolve the property tax exemption with this company for months. 

Submitted letter from county on XX/XX/XXXX stating Im exempt from property tax Submitted corrected tax bill that reflected the months I closed on the property XXXX XXXX. The bill reflected the last two months being tax exempt for the tax bill in XXXX ( for XXXX taxes ) XX/XX/XXXX - I had the county assessor ( XXXX XXXX ) on the phone with XXXX ( escalation team ) and he couldnt be any more clear that I was exempt from property taxes. Please review the recording. 
I was told I would have resolution in 3-5 days. I followed up on XX/XX/XXXX and they said this was sent to their executive team for review. 
I called on XX/XX/XXXX and they said it was still with the executive team. 
I called this morning and loan care said the executive team doesnt review this. 
Please help.

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 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Notice of cease and Desist Demands on actions to take

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
accordance with the fair credit reporting act XXXX Account XXXX ( 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 a account without my written instructions. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: FL

Complaint narrative:
The credit bureau never did a proper " investigation '' according to the FCRA The item investigated consumer reporting means a consumer report portion thereof in which information on a consumer 's, chapter general, reputation personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate associate of the consumer on or with others with whom he is acquainted or who may ha knowledge concerning any such items of information, They did not do this Also, they have violated my rights even more. 

In according with the fair credit report Act Everything has to be 100 % accurate on my credit report which is not. 
They also violated the law because according to 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 furniture and account without my written instructions. 

I did not give anybody written instruction XXXX XXXXXXXX ACCT # 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 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NY

Complaint narrative:
since XXXX I have had numerous accounts opened in texas with XXXX companies such as XXXX XXXX with addresses in texas XXXX never been to texas XXXX do not know anyone in texas XXXX, I have disputed all these accounts, filed FTC -police report, of Identity fraud placed a fraud alert on my credit accts, but penn credit keeps hitting my credit report I am scared and frustrated that someone is opening utility accounts with my credentials name ss and who knows what else now I they requested I file another police report with all 6 of the account numbers they have under my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, XXXX, and American Express regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at American Express. American Express informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and XXXX accounts. On XX/XX/XXXX, XXXX removed the two fraudulent American Express hard inquiries from my credit report. However, XXXX didn't. I've reached out to XXXX to have them remove them ; however, they claim that they can until American Express reaches out to them. But when I reach out to AmexXXXX express, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. Amex 's claims are entirely false ; you can confirm with XXXX that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my XXXX to be removed. I can provide proof of my credit report clearly showing one hard inquiry from Amex on XXXX and 3 from XXXX. 



In the attached document, you will see clear proof that there is one hard inquiry from Amex, which is correct in my experience. Followed by three inquiries on my XXXX, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I reported a fraudulent charge with PayPal for {$200.00}. They did an investigation and determined I made the transaction. I confirmed with them that I did not make a transaction at all. I believe it was a fishing scam that I fell victim of, and then I told them that they refused to even discuss other options. 

They are more concerned with being viewed as safe than actually being safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Issue XXXX Cashiers check issued from Chase Bank to the Internal Revenue Service in the amount of {$4100.00} check was endorsed by other than IRS. Claim has been filed in XX/XX/2022. Nothing has been done since. I was told to file a police report. 

Issue XXXX Unauthorized transfers from my Chase savings accounts have been made into my Chase checking accounts in the amount of {$9100.00}. Several unauthorized charges were made and posted against this amount. Chase was immediately notified and is currently under investigation. I am being told by the claims department that it has to be proven that this was in fact an illegal act. I have not been given any indication from Chase how long it will take to recovery the amount illegally taken out of my account, or if in fact it can be recovered at all.

Company response to consumer: Closed with explanation