vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
My mortgage servicer is deliberately thwarting my efforts to bring my reverse mortgage current. A XX/XX/2022 sale date has been posted. The mortgage was called because XXXX XXXX funds assessed as property taxes on my home became delinquent. I could not pay {$28000.00} per year, especially after my job with XXXX ended. I was told that XXXX XXXX funding was not appropriate for reverse mortgage holders, and should not have been offered to me or the other reverse mortgage holders. There have been real problems, not just for me, because of this. My home is in a prime area of XXXX XXXX ; there is significant equity in the property. 

In XX/XX/2022, I applied for assistance from the XXXX XXXX XXXX XXXX. I was told I could qualify for as much as {$80000.00} ( a little more than half of the tax debt owed ). Because I monitored my application carefully, I learned XXXXXXXX XXXX that there was a specific program focused on reverse mortgages and that I should apply for that program. I did so immediately. 

That new application is now in an inactive status. I was told by XXXX XXXX XXXX XXXX representatives that my mortgage servicer, Finance of America Reverse, has never set up a mechanism to receive payment from the program. The Finance of America Reverse representatives I have spoken to since have individually and collectively referred me to XXXX, the funding source for all states ' mortgage relief program. Evidently Finance of America Reverse is not aware that the connection exists. 

I was told by several representatives for Finance of America Reverse that I was to send the money, without any further effort by the mortgage servicer. The company appears to refuse to acknowledge their clients in California need any assistance whatsoever, and are deliberately thwarting the benefits the XXXX program offers to all citizens. 

I have less than 17 days to stop foreclosure of my home of XXXX years. I want the sale date stopped. I will also appreciate fair reconsideration of my current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I am reporting a fraudulent account open in my behalf. Under the company XXXX the account was send to collections. Not only I never had any knowledge of this account but I see. The account for the first time in my credit report after it affected my credit tremendously. I made several attempts to dispute the issue. Explain to them that fraud was made using my information. They decline the dispute because they have documents that prove it wasnt fraud I would like to get a hold of those documents because one I never open a XXXX line I dont even own one myself. Someone open 2 different accounts under my name around the same time one for XXXX and XXXX for XXXX XXXX XXXX Wich they already handle that. But the XXXX account they refuse to close this fraudulent. I cant pay for something. I wasnt responsible for. Its unfair I have been laid off work since pandemic started let alone im gon na open a phone line. Absolutely not!!! This is effecting my credit line tremendously. I would like for a fair approach because I didnt open this I been a victim of fraud from 2 different companies just days apart. Please help me thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CO

Complaint narrative:
I spoke to XXXX on in XXXX to settle the debt. I agreed to draft {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX and my notes indicate {$68.00} on XX/XX/XXXX. On XX/XX/XXXX {$100.00} was drafted, on XX/XX/XXXX {$100.00} was drafted, and on XX/XX/XXXX {$170.00} was drafted. The original debt was {$360.00}. I agreed that I might of misheard the {$68.00}. I typically keep owed debit payments below {$100.00}. I agree the agreed upon may have been {$160.00}, however I did not agree upon {$170.00}. XXXX denied my claims and the manager denies the claim even though my notes indicate otherwise. 

The statement that the payment over drafted my account was completely inaccurate. My account was never over drafted and I never indicated that it over drafted my account. The reason for submitting my complaint is the false information this company gave and the continued false information they are providing. I verified the amount for the final payment however this company refuses to verify that XXXX confirmed the exact amount that would be pulled from my account. I will keep escalating this matter until they provide proof of this conversation that took place. All I am asking for is to listen to the conversation to confirm what was said.

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 2022-05-20 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: NC

Complaint narrative:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. Which XXXX  claims that's where the loan was disbursed to. I have included my Identity theft report as requested by Equifax on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NJ

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/ After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXX/XXXX. 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The creditor XXXX was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today XXXX has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: WA

Complaint narrative:
I tried to use XXXX internet service at my new location. I was sent their gateway device and hooked it up on XX/XX/2022 but I could not get service / signal. I tried to cancel the service from XX/XX/XXXX through XX/XX/2022 but XXXX customer service as well as 2 stores said they can not cancel. On XX/XX/2022 I asked the sales rep how I can get the service cancelled. For the next week I made numerous attempts to cancel but every attempt was refused by XXXX by unethical tactics... transferring me to another call center rep to start over, telling me they would call me back, hanging up on me, saying that only the initial sales rep could cancel, saying they could not verify me and finally lying that it has been cancelled and there would be no charges. However they still had not sent me the return label for their device so I stopped at a store to get a label and was told the account was still open and that only customer service could cancel. I immediately sent everything back to XXXX and again called customer service. I have spent well over 6 hours on the phone over a several week period trying to cancel the service and have repeatedly been told the account was cancelled and I owe nothing. However I was still sent a bill and weeks later I got a call from collections saying I owed money for the days I had used the service. I disputed this because I never had service/ signal in the first place and have been trying to cancel since 8 days after I received their gateway device. I was also told this would not be reported to credit bureaus until I heard back from XXXX about my dispute. I never heard back but just found out a claim was filed with the credit bureaus. I called XXXX customer service and was again told the account is closed and I owed nothing. So I called the collections agency who said I now owe {$92.00} instead of the original {$140.00}. I told them I am disputing the charge again because I never had service and they refused to cancel the account. XXXX 's unethical practices has cost me many hours of my time and damage to my credit report. I am enclosing a pdf of my conversations with the sales rep showing my attempts to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 XXXX account XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 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 2022-05-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 2022-05-20 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act Santander Consumer has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: AL

Complaint narrative:
World Finance is not my debt. they call me after hours and harass me. I feel like a victim all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: CA

Complaint narrative:
I AM HAVING A PROBLEM WITH MY XXXX XXXX CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR 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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM HAVING A PROBLEM WITH MY XXXX XXXX CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR 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 non-monetary relief
Consumer complaint received 2022-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM HAVING A PROBLEM WITH MY XXXX XXXX  CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX  I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Between the dates of XXXX the scam artist posed as an associate of a legitimate lending company called XXXX XXXX. 

He goes by XXXX, he had an XXXX accent and was calling from this number : ( XXXX ) XXXX For the last few days he had made unauthorized deposits to my account and then up until XXXX days earlier I realized he was a fraudster so I blocked his number and alerted the real lending company of the fraud also as well. 

So now my bank believes that Im the one that is defrauding them when I didnt make the deposits

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 2022-05-20 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2022-05-20 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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