vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My full payoff is XXXX I am a first time homebuyer who really got jinxed on this home My name is XXXX XXXX My Loan number is XXXX From Rocket morgage Here is my story Dear Rocket Mortgage, I Am very unsatisfied with the way my first home purchase ever went this home purchase I worked very hard to accomplish this goal spent 5 years saving money and working on my credit score but I was completely unsatisfied with my home the real estate agent made it sound like it was a good neighborhood and when I moved in the neighborhood was bad groups of people down street from my home drinking and partying not to mention the middle school is one of the worst in XXXX me or my children could not go in our backyard because the fence was down and the neighbors pitbulls had 100 percent control of my yard and I have a XXXX XXXX XXXX the theres my job promising me all these hours and I got jiped on the hours and not to mention there are very limited programs for child care which pretty much Left me hanging now mind you I gave up my bread making job at XXXX in hopes to give my kids a better life in XXXX now I got XXXX XXXX I get my job back this house Left me broke jobless and behind on my credit XXXX everything I worked extremely hard for is down the toilet over some real estate agent painting a perfect picture that was a nightmare I am asking you I want my XXXX down payment refunded to me and I want enough money to get back on my feet I am willing to give you XXXX toward loan thats it this house destroyed my life and now I need to support my family with no job Im not leaving out of this empty handed I will pay remaining balance monthly but in my case its cruel and uncalled for to be tricked into a home that was a absolute nightmare I will keep my obligation to rest of mortgage but this needs to be handled Im a mother raising and supporting 3 kids on my own and my hopes for giving my kids security got crushed by deceit and that is my agreement to you selling this house you can remove insurance and taxes Im very aggrieved by this and that is my offer to you my kids come first and I do take care of my obligations Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed this account with all the credit bureaus and only 1 removed the account for its falsehood. The other 2 credit reporting agencies are still reporting this false debt even though it's been proven to be an account opened from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: OH

Complaint narrative:
XXXX is aware and has proof that Experian is in violation of USC 1681c-2 ( a ) ( 2 ).

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 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted AND removed account to my credit bureau AGAIN. Account # XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX-XXXX  This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX is aware and has proof that experian is in violation of USC 1681c-2 ( a ) ( 2 )

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 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The debt that is said owed was disputed on XX/XX/2020 and deleted from all three credit bureau. Credit Control Corporation did not verify the debt that was said owed. I sent them a certified letter asking them to verify the debt owed bearing my signature. The law is that a company has 31 days to verify the information or it has to be remove from your credit report. All three credit reported this account as deleted. The company kept calling me like everyday repeatedly after I ask them to stop, because I don't owe you anything. I was getting threatening calls saying that my credit would be ruin if I don't pay. They even change the account number to another account number that was fraudulent. They are violating my rights as a consumer. They sound like scammers who are trying to use illegal tactics on people. I would like for this company to remove this account from my credit report or give name and number of who verified that this debt that said is owed belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I submitted an application to refinance our mortgage to XXXX. On XX/XX/2021, we learned from XXXX that Experian had a security freeze on my credit report and credit score. I never requested a security freeze. I went on-line to try to remove it, and could not do so because I needed a PIN number. I do not have a PIN number and could not get one via the website. I was directed to fill out a form, submit a copy of my drivers license and Social Security card, and number and mail it to Experian at Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. I did that the same day. 
I also telephoned the number given on the Experian webisite, and was unable to get the freezes removed via their voice messaging system and unable to reach a real person. 

On XX/XX/2021, I received an email from Experian acknowledging my request for help via mail, and asking me to rate their service. I did not receive any service at all. I still do not have a PIN, and I still have a security freeze on my account, and XXXX has withdrawn its offer to refinance our mortgage for that reason. Today we submitted an application to XXXX, another mortgage broker. They have advised us that the security freeze remains on my Experian account and they will not process the loan without it being removed.

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 2021-08-26 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: OH

Complaint narrative:
XXXX is aware and has proof that Transunion is in violation of USC 1681c-2 ( a ) ( 2 ).

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 2021-08-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: FL

Complaint narrative:
I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my 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 explanation
Consumer complaint received 2021-08-26 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: FL

Complaint narrative:
I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my 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 explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I applied for a mortgage loan and was surprised to see a collection from XXXX XXXX for my internet service which dropped my FICO scores significantly. I cancelled my internet service in my XXXX, AZ home with XXXX in XXXX and paid the due on XXXX XXXX with the understanding that all my account balances are paid off. So I stopped my payments. But there was a bill posted on my XXXX account in XXXX which I was not aware of as I stopped checking my XXXX account. And there was no communication from XXXX ( they usually call if a payment is due ) about this. Also based on the bill, the payment was due by XXXX XXXX and they reported it to credit on XX/XX/2020 which is even less than 30 days. Due to this I have not & did not obtain the full statutory period in which to take care of this debt in question as I did not receive any initial notification regarding the debt. In my opinion, this might be the case as I cancelled their service. 
This collection has been addressed with the original creditor XXXX XXXX, not RadiusGlobal, as a gap in communication once I was aware of this in XXXX. But they declined to remove it from my credit report. I would like to request this collection be removed from my credit due to erroneous collection practices.

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 2021-08-26 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: FL

Complaint narrative:
This account has been disputed several times with all credit bureaus and each time the account is deleted because it was opened falsely form identity theft. Unfortunately, the account continues to report false and negative information even though this account is more than 7 years old.

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 2021-08-26 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need 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 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was having problems making my car payments due to my prior XXXX treatments and the pandemic. I had to take off work for a while and was receiving my XXXX. Thankfully Capital One Auto Finance offered a plan that split my monthly car payments in half from XXXX to {$290.00}. After reviewing my account I noticed my Maturity date has been extended out for an additional year and a 5.9 % interest rate has also increased my increased interest payments as well. After speaking with a rep he explained to me the {$290.00} payments made for XXXX and the 5.9 % additional interest charges is what kept me in the car. None of the approx {$2500.00} in payments has whet towards my loan payments. Even though Capital one applied portion of the payments towards the principal they added XXXX payments XXXX XXXX to my loan which gives them the XXXX reduce payments and 5.9 % percent payments for free. I lost my money when I could just paid a month behind until things got better. This is so unfair. Now Im gon na be paying {$25000.00} for the car and {$20000.00} to Cap! This is not helping the consumer! This is robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: The Bureaus, Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! The Bureaus, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I, XXXX XXXX XXXX XXXX Entered into a consumer credit transaction with Westlake Financial on XX/XX/2020 using my credit card as defined under 15 USC 1602. 
A consumer credit transaction in which a finance charge was involved. 15 USC 1605. ( a ) defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash in which Westlake Financial in fact took cash in this consumer credit transaction. The finance charge is suppose to include Insurance. Westlake Financial did not include insurance and failed to clearly and conspicuously disclose to consumer of the right to have insurance provided in connection with this consumer credit transaction. Westlake Financial made me purchase insurance separately. Westlake Financial include fees imposed by third parties which is a violation of 15 USC 1605. ( a ). Westlake Financial did not disclose or provide appropriate forms for the consumer to exercise his right to rescind this transaction. 
Westlake Financial in fact willfully and knowingly withheld information required to be disclosed under the provisions of said subchapter which makes Westlake Financial criminally and civilly liable.

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 2021-08-26 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: FL

Complaint narrative:
This account was also opened due to identity theft and disputed. The accounts gets deleted every time, then the following month is reports again on my 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 explanation