vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXXXXXX 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 XXXXXXXX To Whom It May Concern, On XX/XX/XXXX, There was a collection account reported XXXX credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, 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 2022-12-29 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: GA

Complaint narrative:
The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.

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 2022-12-29 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: GA

Complaint narrative:
The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 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 non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We got my reverse mortgage with XXXX XXXXXXXX XXXX, they did a very good job. Everything was fine until our home was destroyed with hurricane Ian. We got our insurance check and called PHH Mortgage ( same as XXXX XXXXXXXX XXXX ) for a payoff on XX/XX/2022 after getting the run around and several calls on XX/XX/2022 we get a payoff. They received the check on XX/XX/2022 to pay off the mortgage and put the money in escrow until XX/XX/2022 when they paid off our loan. After calling and getting disconnected several time because every time you call you get a person in the XXXX and they know nothing and when they try to connect to the US you get disconnected. I finally was told on XX/XX/2022, after several phone calls to them, that it would take up to 90 days to get the overage money back to me. They are holding the money for almost 5 months and making money on the money ( over XXXX  ) that belong to us. We can't start building a new home until I get my that money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been dealing with idthef, fraud and false information since XXXX and its getting worse. I report to FTC and XXXX. dHS as well and recently Attorney General of MA. 
My credit report is like looking at someone elses information. I only opened a checking XXXX in XXXX XXXX and XXXX and both were taken over and i now have XXXX  XXXX. XXXX had information and i learned frok an email I could get back into ( it happens a lot, cybersecurity, like XXXX XXXX emais and XXXX card transit card but no one does anything ( Companies XXXX XXXX XXXX Cards loans ) whats teally affecting my life is this California Residency showing up everywhere I never been or had an adress there. Also XXXX and XXXX data transfers. i cant get a job.. my name is being used even in Movers guide changing adress and dmv sent XXXX duplicate Liscence to XXXX fake adress. Everything electronic I am not comfortable I like mail only at XXXX XXXX XXXX XXXX XXXX ma XXXX. It just goes back to XXXX XXXX XXXX XXXX XXXX pa XXXX and a California adress in which i saw papers when aplying for XXXX XXXX. They had california insurance in my name XXXX took off. California is everywhere and I write to every web for help and XXXX XXXX is helping me. Also new social sec and last name change is an offer. I cant have my own wireless plan and number because XXXX let someone use my identity 3 times. XX/XX/XXXX through XX/XX/XXXX when XXXX bill went to collections and XXXX XXXX I pay in which i am still under my fathers Account with XXXX. XXXX data breach, XXXX, XXXX  XXXX. XXXX, companies .. loans home loans

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Southern Auto Finance Co
State: MI

Complaint narrative:
I sent a Notice of recession to My Certified used cars dealership In XXXX, Michigan & Also the financing company Safco in XXXX XXXX, Florida via USPS certified mail on XX/XX/XXXX in the letter I asked them to respond in 20 days, I have not received a response. The notice of rescission included a {$26000.00} down payment I made last year on the date of XX/XX/XXXX thinking I had to make a down payment on the vehicle to be able to drive out of the car lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Newrez holds my mortgage. They acquired it from XXXX mortgage shortly after I purchased the home in XX/XX/XXXX. 

I am a XXXX XXXX  XXXX XXXX Veteran who resides in New Jersey and as such am entitled to a property tax exemption in the amount of 66.333 % Newrez continues to charge me an amount which is incorrect due to the fact that my property tax escrow is considerably lower than what they say it is The overpayment in my escrow account is approximately {$400.00} per month due to the fact that they overcharge me on my property tax escrow They were supposed to, once again, adjust my escrow payments thereby lowering my mortgage and they still have, as of today 's date, not done that they have kept my overpayment for XXXX and have no idea when they will refund it they also have no idea when they will adjust my total mortgage payment to the right amount so on XX/XX/XXXX a mortgage payment is due, once again, at the higher amount i am not required to pay. 

Additionally, if you contact them, they say they are a debt collector and anything you say to them will be used to collect the debt. I thought they were a mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Purchased tickets from XXXX XXXX app on XX/XX/22 for the sum of XXXX. Concert day was originally XX/XX/22 but they canceled. I contacted XXXX XXXX  for a refund they told me it was postponed instead. Months went past with no new date so I filled a dispute with my bank. The credited me XXXX initially and then said I was at fault. They closed the account in XXXX. XXXX XXXX contacted me on XX/XX/22 saying my refund went thru TD. NEVER CONTACTED ME or stated anything. I reached out to them on the same day since then Ive been on the phone with a TD associate 13 times with them. Ive been mislead into thinking a check was gon na be sent to my address on 2 different occasions to never receive any mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX  XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XXXX XXXX XXXX i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in XXXX  with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys

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 2022-12-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I called Experian to dispute late charges that on on my credit report, both accounts have been pd in full and needs to be removed from my account immediately.

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 2022-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
I can not open my account you have so many headings and nonre of them allow me to log into my account dont you think of these issues I trie XXXX XXXX XXXXXXXX  log in No Good this is very discouraging. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX or XXXX you see please simlify all of these erronus heading I have been on the PC fro 1 hr to view and depoist XXXX XXXX XXXX XXXX TERRIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a XXXX XXXXl Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-12-29 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: MD

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

XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MD

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

XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXeven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I cancelled my subscription to the XXXX XXXX, but did not cancel my automatic subscription payment to the XXXX XXXX, in XXXX of 2022. The newspapers stopped getting delivered, no further charges were made to my XXXX XXXX account which I used to pay my XXXX  subscription, and I received no further communications from the XXXX XXXX so I paid no further attention to the matter. 
On XX/XX/XXXX I received the attached letter from A.R.M. Solutions. I initially thought that it was a scam because I had not been contacted by the XXXX XXXX since I cancelled my subscription. I have never before encountered a billing process that began with sending bills to a collection agency without first contacting the customer directly. It was further puzzling that they had not simply extracted the funds from my XXXX account : I had never shut off the " autopay '' and all they needed to do was to request payment directly from XXXX XXXX, as was done for years. 
I suspect that the change in management since the XXXX XXXX was sold has led to some confusion in their office. Although I did cancel my subscription, and I have received no newspapers in the intervening period, they told me via telephone that all they know was that I had instructed them to no longer charge my XXXX XXXX account for the subscription, which seems rather odd to me, as nothing of the sort was ever discussed. 
I have instructed the XXXX XXXX to charge my XXXX XXXX card for the balance they say I owe, and XXXX informs me that the payment is pending, A.R.M. Solutions insists that I must still pay them, in addition to what I have paid XXXX XXXX. I believe that I should pay neither, although I have already paid the XXXX XXXX for services not rendered. Paying A.R.M. Solutions redundantly would only add insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TX

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

XXXXXXXX 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  has violated my rights. 

XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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

Company response to consumer: Closed with explanation