vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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: IL

Complaint narrative:
It appears that myfile has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$940.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX XXXX Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$320.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MT

Complaint narrative:
Jefferson capitol syst Has a old XXXX bill from over 10 yrs old their saying is from 2019. This is time barred and they keep refreshing the date. This is illegal and I asked the credit bureas to remove this and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: FL

Complaint narrative:
I submitted a complaint against Equifax for violations, on XXXX they came back in said this was verified and updated payment history, which in fact is wrong they did not put in the 30 day late prior to 90 days u cant just update your mistake, so that is wrong, the complaint was for multiple errors on their part, you can read the last complaint they said this was accurate, but the violation is they DID NOT PUT CONSUMER DISPUTES ACCOUNT, So they are not accurate Remove this Immediately for the violation that must be entered on the first dispute they received by the consumer they say they do independent investigations well where was it? you can't see the violation or you just do not care about proper reporting on consumer records?! 
attached the violation as you can see there is no Consumer disputed remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: TX

Complaint narrative:
It has been drawn out into the open that Equifax is not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Equifax decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : + XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: TX

Complaint narrative:
I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-30 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: TX

Complaint narrative:
I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-07-30 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: TX

Complaint narrative:
I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
I started the loan process with Movement Mortgage in XX/XX/XXXX. I finally signed a contract on a home in XX/XX/XXXX. This home was new construction and still being built. In XX/XX/XXXX I contacted XXXX XXXX, branch manager whom I'd been dealing with during this process and voiced my concerns that the interest rate was rising ( now at over 3 % ) and I did not want to be priced out. XXXX advised me that he would monitor the rate and that they have meetings every Monday mornings to discuss the trends of the interest rate. Fast forward to XX/XX/XXXX, I contact XXXX again expressing that I didn't want to be priced out because at that time the rate was inching to 3.75 %. We discuss the cost of locking the rate and XXXX states since I stayed with Movement Mortgage opposed to using the builders lender, who by the way was offering closing cost assistance, they ( Movement Mortgage ) would cover the cost of the extension. Finally on XX/XX/XXXX I receive paper work to lock the rate for four months at 3.75 % which would have carried me through XX/XX/XXXX. At this time I haven't done my research to know that the first two months of locked rate there is no charge. After many delays the date of delivery was not meet by the builder, which caused the 1st extension which cost me {$710.00} and was for 2 weeks based on a XX/XX/XXXX delivery which was given to me by the builders. That date passed as well which caused an additional extension for another 2 weeks it's costing me an additional {$710.00}. During this time I'm constantly receiving updated paperwork from Movement mortgage and I noticed on one of the documents that something had changed there was now an 0.375 % of the loan amount ( points ) totaling {$1000.00} on the loan documents which wasn't there initially. When I asked XXXX to explain what the points were because I didn't buy down points to get the 3.75 % rate, that was the rate I locked in with, he tells me points can be different things. I asked for a detailed breakdown of all the fees associated with the locked rate, however when he sent this so called breakdown, he failed to include what the points were. I can provide the email he sent. Up until the day before I closed I asked for an explanation of the points but at this time XXXX began to treat me as if he was doing me a favor and in his words and I quote " she should by grateful for the deal she's getting ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
From XX/XX/2021 to XX/XX/2021 I had numerous unauthorized transactions totaling in {$2600.00}. I was at this time incarcerated and unable to make these purchases. I have tried to file fraud charges with Chime multiple times only to have them continuously denied my claim. I was able to recover some of the money however I am still needing a total of {$2400.00} from Chime. I have given Chime proof of incarceration from the state of XXXX police report number, and an affidavit of stolen identity. However, Chime is still refusing to return the money from the fraudulent charges or even flag these charges as being fraudulent so that we may get assistance from the sellers To find the person who actually used the card. Chime is claiming that they find nothing wrong with their transactions however I have given them proof that I was behind bars at the time of these transactions therefore making All of these transactions are an authorized. I am needing the funds to be returned and I am needing these charges to reflect as fraudulent so that we may find the actual perpetrator. I have multiple documents that I can include if there is a place to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I have four months off missing pay of my loud of XXXX and I missed this month too.

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 2022-07-30 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:
I consumer/natural person consumer report reputation has been harmed by XXXX XXXX XXXX Pursuant to title 15 USC 1681s-2 , 15 usc 1692 ( d ), XXXX XXXX has violated my consumer rights. 
A charged Off account is reported on my consumer report from XXXX XXXX. XXXX XXXX has failed to disclose initial written with i, consumer for consent to file 1099c, Pursuant to title 15 USC 1692 ( j ) XXXX XXXX has violated my consumer rights. I consumer/natural person has been financially injured due to XXXX XXXX Actions by , reporting to consumer report agencies, ruining reputation, also disclosing non public information.

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 2022-07-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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.

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 2022-07-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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.

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 2022-07-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: AK

Complaint narrative:
I was looking at a credit report and my name is on there with my ex-husband 's last name and I have been divorced from him for 10 years and this is a recent report. Also there's a few addresses that I have never been to and I've never lived in Hawaii in the Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE INVESTORS GROUP
State: TN

Complaint narrative:
Mortgage Investors Group sent me a letter stating they sold my mortgage to XXXX XXXX in XXXX, Texas, but XXXX XXXX has no information about me and told me they do not know anything about Mortgage Investors Group and have never received any mortgage from them. I called Mortgage Investors Group but all they said was they no longer had my mortgage so they could not help me. A representative from XXXX XXXX called Mortgage Investors Group but could not get any information about my mortgage. I need someone to find out where my mortgage is so I can make a payment.

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 2022-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I am currently selling my house, it's in Escrow, and due to close XX/XX/XXXX. I asked for a net sheet from the Escrow company. I noticed a charge for {$1000.00}. When I called Dovenmeule to inquire about this charge, the representative was very vague and was unable to completely explain it. However, they said it was most likely due to my bk.

Long story short, I just discharged and closed a bankruptcy back in XXXX. 
I explained that to them and that this was my primary residence and it was never in bk nor did I make any payments through the trustee. They said I would have to write them a letter explaining this and sign it. I wrote the letter and emailed it as requested. A few days later I received a response stating that this erroneous charge was due to the bk and they were not going to remove it. So, I decided to write my bk attorney. He looked into it and discovered that this charge had nothing to do with the bk and all my financial obligations were paid in full. He also stated He didn't know where this charge is coming from. 

I decided to do some research of my own regarding this company. They have over 535 complaints in the last 3 years on the XXXX, 1-2star ratings on XXXX and XXXX and about 5 law suits brought against them. Anotherwards, these dishonest practices are there normal way of doing business. My purpose for writing this is to have them be HONEST for once and remove this erroneous charge completely off the payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In 2017 Ocwen liquidated my XXXX mortgage that was included in a discharged bankruptcy and also the same principal balance was wiped away by Litton Loan. I sent proof of documents to PHH/Ocwen you in turn took 5 months to respond to my complaint and request to refund the excess cash my homes was sold for. During the 5 months PHH and the 3rd that fraudulently foreclosed filed additional papers for my previous home based on the evidence I submitted to PHH. PHH rescinded the 2 d lien after I wrote them to advised they were in violation of federal law by billing a debt I don't owe. As a result PHH has stalled my current mortgage process to cover up their fraudulent activity against me. On a mortgage debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I got robbed and they took my wallet with my social security card and credit card now they are using it

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