vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious. 

Ad Astra Recovery Services - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XXXX a line of credit for over {$13000.00} was open using my personal information. There is a balance of {$10000.00}. This is not an account I opened, and I do not have any knowledge of such a transaction. This account has been reported to all three credit bureaus and have dramatically affected my credit scores. I asked each agency to dispute the account and XXXX say they were able to verify the account as accurate. Again, I state without a doubt, this is not my account. The information on the report is SYNCBXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone number XXXX. I have not attempted to reach out to them because I believe the company information could be fraudulent. The terms to repay says {$0.00}, per month, paid Monthly.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Serv - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I've been noticing the last two and a half years that my escrow is a negative and I just started ever since Corona and I lost my job I've been able to analyze my escrow and I've been putting in a couple complaints with the escrow department through SPS for them to check my escrow four different times and they keep sending me letters back stating that they've checked it everything 's good but I have found several mistakes in the last two and a half years actually I called them a couple months ago and they just had to readjust for my insurance premiums so if you could call me at XXXX and I can explain further and show you an email you copies of the information I have gather through my escrow analysis of the mistakes that I see and I also have caught them paying my taxes more than twice a year and also the amount that is paid every year they have over it and never given me the credit back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo XXXX Our offer to buy a property in XXXX was accepted on XXXX XXXX. My wife processed a first transfer of XXXX from our joint Wells Fargo account to her convertible account in XXXX. Within an hour after she made the transfer we decided not to go through with the purchase. She immediately requested that the transfer be stopped. A claim was filed # XXXXand she was told the issue would be resolved in ten days. It was not. She called again on XXXX XXXX. She was told they were still researching the claim. A case number was provided. XXXX. Wells Fargo assigned the case to XXXX XXXX. XXXX. She claimed that the funds were at my wifes bank in XXXX. XXXX checked with her bank and they assured her on XXXX XXXX that they did not have the funds. On XXXX XXXX I spoke with XXXX to seek restitution of the funds. She advised me that the funds were at the XXXX XXXX which Wells Fargo decided to use on its own as an intermediary Bank. She said the funds had been credited back but not released. Requests to release the funds had been made on XX/XX/XXXX and XXXX as well as XXXX and XXXX. She had no explanation for why it took 15 days to make the first request. I asked her to send me the documentation related to my case. She said I was entitled to that. I have yet to receive the documentation. I also requested contact information for the XXXX XXXX wire transfer contact for Wells Fargo. She advised me that because I requested documentation, the case would be elevated. Later that day we got a call from XXXX XXXX Senior Escalation Officer tel XXXX. He advised that he was researching the case and would not take more than ten days. I told him that if the funds are not in our account by Tuesday XX/XX/XXXX COB that I would file a complaint with the CFPB. I will do that on Wednesday. Keeping our money for more than thirty days without our permission or authorization amounts to theft.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I saw that on or around XXXX, I saw a lot of pre-approvals on credit karma. At first I didnt pay it any attention but, credit karma kept sending me all sorts of pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers ever time I logged in to check my credit scores. So after a few months of being told that I was pre-approved, I thought I was now in the perfect place to apply. I go so many offers thru credit karma I started telling my family about vacations and investments that we were going to use these pre-approvals for. So I finally applied on or around XXXX at least XXXX times within that timeframe, but I got denied for credit cards, personal loans and other offers. I was disappointed and heartbroken. Credit Karma told me I would be approved but, it was all a lie. They violated FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Am asking for help with my mortgage lender to modify our mortgage loan and offer me a trial payment an affordable plan by decreasing the over inflated loan balance which I didn't cause nor had fault doing. Am a veteran, XXXX war and this is a VA loan too, before pandemic it was with XXXX  now its Carrington and they are terrible and rude and telling us we dont qualify for anything but liquidation and denied again for the 4th times ( see attached denial dates XX/XX/2022 stating we didnt make enough money when we actually do qualify but denied me again saying lender has no options and they are not obligated to offer us modification they keep contradicting their statements they even filed notice of trustee sale XXXX this year while we was in modification process and had a sale date on our home for XX/XX/XXXX at first then they now change it to XX/XX/2022. They denied me all the time regardless of what I given them which is everything they needed on time they want me to call them to tell them if we agree to liquidate our home, the only option they offered me all of them times ( see attached ) They said all options are denied no option what's so ever. The servicer is Carrington mortgage, and the beneficiary is XXXX XXXX XXXX XXXX XXXX XXXX foreign entity by XXXX XXXX which I dont understand how is the VA allowing them to be the deed holder? We want to keep our home we want to stay in it so please help me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.

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 2022-10-14 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery COL - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXXXXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Incorrect information is being reported on my credit report under BMW Financial Services. I have paid my account on time every XXXX XXXX  and somehow BMW has made a mistake and reported my account as late. I currently see a late payment reporting on XX/XX/2022 and the account comments is saying the account is currently past due XXXX XXXX I have never been late on paying this account, in fact I have paid this account for said XXXX in advance. For those months my statements have all said paid ahead of time XXXX XXXX XXXX. This has to be an error on BMW. I have tried calling customer service and they too have told me that my account is current and being paid on time. They said there is nothing they can due to remove the lates on their end but that I would need to dispute it. This is what i have tried doing and after getting no response I have come here to submit a complaint. This is very unfair as I am in the middle of very important projects and this has dropped my score over XXXX XXXX  for no reason at all. Please this needs to be fixed I have all statements and proof that payments were made on time for this account, please fix this. I have had an outstanding relationship with BMW in the past and hope this is fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for a CITI XXXX XXXX XXXX XXXX Card on the Same day I was declined for my limit increase with another Credit Card. I recently paid off a considerable amount of credit card debt the previous month. I've received numerous offers in the mail from CITI for that card as recent as XX/XX/XXXX with a personal invitation number. I applied online and was also declined. I received my letter in the mail and the reason for decline was " Too many recent inquiries are recorded on your credit bureau report ''. The adverse letter failed to include my XXXX Credit Score at the time of inquiry, which Financial/Credit Institutions are required to do. After being declined for the XXXX XXXX XXXX XXXX Credit Card, the following month ( XXXX ) I am now being solicited by CITI to apply for their XXXX  Card, which offer no rewards other than ( {$0.00} Late Fees and {$0.00} Penalty Rate ).

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 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
On XXXX XXXX XXXX I was offered a payday loan with unclear terms and interest through my email. I do not know why I received the offer. I was short on rent due to changing jobs and my vehicle having its motor replaced due to recall. Sunshine loans offered {$600.00} I want through the prompts on the website trying to discern the rates and commitments. I ended up accepting it thinking I would be paying back around XXXX XXXX over 5 installments. On XX/XX/2022 the {$600.00} was deposited into my account. When I logged into the website, it said and now says I owe {$250.00} out of my next 5 pay checks totaling {$1200.00}. I sent a a letter of revocation of authorization to withdraw from my debit card or checking account on any and all withdraws on XX/XX/2022. I received response from Sunshine loans before XXXX the same day acknowledging the revocation and requesting me to discuss new payment method. Before I could respond the withdrew the first installment of {$250.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

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 2022-10-14 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Closed my account in XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX recieved statements contrary to facts and corporate claimed a charge off. 
As per rules XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( k ) XXXX ( j ) furnishing deceptive forms FCRA rules XXXX ( a ) ( XXXX ) XXXX ( b ) ( XXXX ). These violations require {$1000.00} XXXX  fines Also XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX ( a ) no written consent

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PR

Complaint narrative:
Improper collection of taxes After receiving the requested information ( evidence of tax payments, indicating the institution that made them ), I went to the tax collector agency to confirm if these payments were credited to my account. The following was found : 1. Check number XXXX for the amount of {$3400.00} has a cadastre number written on it that does not correspond to my property. So that amount is not credited to my property. 
2. My property has another number in the registry. At the moment it has not been assessed for tax purposes.

3. The person in charge of evaluating the accounts was not available that day, so they gave me an appointment for Thursday, XX/XX/XXXX, to analyze the account, find out the whereabouts of the other check and, if necessary, make the corresponding claim. 

Due to the foregoing, I request that the collection of this money ( {$3400.00} and {$860.00} ) be stopped, until it can be verified beyond a reasonable doubt, that they have been allocated to the taxes corresponding to my property. At the time of writing this claim, I do not have the {$530.00}, which the institution determined to charge me, in addition to my monthly payment. I can and wish to continue paying the {$780.00} corresponding to my monthly payment, while this situation is clarified. I resort to sending this request through this agency, for the prompt response, as opposed to resorting directly to the institution. I await your response for the benefit of both parties and that my credit history is not affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect personal information in credit 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 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My loan has gone to MOHELA, the company is trying to say I don't qualify for a burrowers debt relief. When the trade school I went to closed due to fraud. I have a newspaper article naming the school I attended and information proving the school was under investigation and that several schools, owned by the same company went bankrupt and was sued. MOHELA is claiming that there records show that I went to XXXX, which is an XXXX program that started in 1986. The records for my school are incorrect and now MOHELA is no longer offering assistance in fixing this issue. The name of the Trade school I went to was called XXXX XXXX XXXX. It Closed in Dec.of 1986, MOHELA Is aware of this incorrect information and was giving me the original school name until I refused to accept a loan forgiveness that requires me to pay {$900.00}. 
Untill this school confusion is resolved I will not be able to apply for the proper forgiveness. And shouldn't my loan company be trying to help me? Not, themselves?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Assoc - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation