vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Was looking at my XXXX credit report and found a credit card had been opened using my SSAN. The account was with Macys XXXX and opened on XXXX XX/XX/2022. I called the card company on XX/XX/XXXXand was transferred to the fraud department who took my information and provided the following Case ID number. 

XXXX XXXX. 

The address on the Macys XXXX account was listed as XXXX CA. I live in XXXX XXXX and know no persons living in XXXX. The Citbank company rep told me that this fraudulent account would be closed and that documentation of this would be sent to my email account. 

I also contacted XXXX to dispute the card account. XXXX put a fraud alert on my account.

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 2022-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 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 explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc.
State: CA

Complaint narrative:
This company Emergent Servicing keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
The company has wasted all of our times disclosing nothing of value. Therefore a new complaint is opened. A complaint will continue to be filed until the company discloses WHEN they will be returning my funds. They have been holding my funds past the minimum of 90 days, and there are no circumstances that require them to hold it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Our XXXX Acccount/ FIFTH THIRD BANK Also known as. XXXX also known as XXXX XXXX should not be reporting late IN XXXX, XXXX OR XXXX OF XXXX. 

I am just mortified. MY WIFE CAN'T STOP CRYING. 

MY WIFE CALLED IN AND DISCUSSED MY ACCCOUNT WITH XXXX 'S CUSTOMER SERVICE BACK IN XXXX OF THIS YEAR. IT WAS CONFIRMED THAT THE ACCOUNT WAS DEFERRED FOR BOTH THE MONTHS of XXXX, XXXX AND XXXX. TO OUR DISMAY AFTER CONFIRMING WITH XXXX STAFF THAT THE ACCOUNT WAS DEFERRED WE NOTICED WE HAD BEEN MARKED AS LATE! 

the staff said they wouldn't do anything to help us! but we confirmed it was deferred on a recorded line! 

MY WIFE AND I WOULD HAVE NEVER LET THAT HAPPEN. WE ARE TRYING TO CLOSE ON A HOME PURCHASE. 

WE HAVE NEVER PAID THIS ACCOUNT LATE AND WE HAVE HAD THIS SINCE LOAN SINCE XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-31 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:
Equifax Validate the accounXXXX XXXX XXXX XXXX  As Per my written request { BY LAW } As you verified the account that was Fraud because only the consumer can verify, you are also reporting that XXXX XXXX XXXX is the consumer false I am my SSI card number was used on the account that make myself the consumer it law XXXX XXXX XXXX is Debtor, Also I request in my dispute that I want the original contract { not a Copy } because that would be fraud also. enclosed is my request in writing that by law you have to follow completely as stated or I will be force to seek legal claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: LA

Complaint narrative:
The money source took over our mortgage account from XXXX. Right before the transition we were in Covid 19 forbearance with XXXX, had submitted and was approved for a loan modification When the money source took over our account they made all kind of claims, claiming they never received the paperwork from XXXX  with modification details etc, I then reached out to XXXX  and got copies and provided to the money source, also XXXX  assured me XXXX  received all of it. XXXX  then stated they couldnt accept the paperwork from us, gave us massive run arounds saying we were delinquent and would need to do a new loss mitigation with them.

This caused us to incur more fees etc due to more time lapsed being in forbearance etc On top of all this we later sold that house to find out that XXXX  not only approved the modification but also filed a partial claim with the county court house We were able to clear off the XXXX  pa
rtial claim with HUD and the county but still to this day are trying to clear off the XXXX one and get our proceeds from the sale of the house, now going on 5 months. Reason for that holdup is XXXX  filed hud partial claim with our county but never with HUD so HUD cant see it, XXXX wont remove it after dozens of phone calls and emails as they are stating they filed a proper partial claim that XXXX  has to abide by but didnt It is my understanding that a new loan servicing company has to uphold to any loan modification agreement and it is against the law to not do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: CA

Complaint narrative:
This company XXXX XXXX keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing 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 2022-08-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy, and 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( account number as appeared on my XXXX report ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The above accounts and account numbers are as reported on my XXXX report. 

These fraudulent accounts being on my credit report is a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A. 

XXXX has also failed to investigate and respond to my previous dispute and it has been more than 45 days, which is also a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
In XXXX of XXXX, I entered into a forbearance program with US Bank. Although I was ready to end the program after 2 month once I knew I would still have a job after Covid hit and everything shut down US Bank advised me that this program can only be used once and no one had any clue what was happening at this time. I ended the forbearance after 6 months. I went through the trial payment process. Completed it. Was approved for the modification. Completed all forms sent to me. The next correspondence was US Bank never received the packet with signed docs. Then I get a letter stating it was received but not in time. I know for a fact from a US Bank employee that no one was going to the bank and working from home at this time. So whos dest or stack of papers my paperwork was left behind on... I dont know. Before this can be resolved my loan it transferred. During a uncompleted forbearance modification process put in place but the US Dept of Housing and sould not have be transferred at this time. My loan has now be transferred 3 times and is never getting the modification finished causing be to be over XXXX month delinquent wrecking my credit showing I owe anywhere between $ XXXX behind which the math doesn't add up and preventing me from any refinance abilities

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 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
CFPB closed a previous complain without chance to answer, loan company did never send any documentation about the fraud their are committing. 
The previous letter send XX/XX/2022 thru CFPB portal did not response all customer demands, without resolving this issue, loan company are committing fraud adding balance to a mortgage payment, payment that was pause during covid bringing this wrong amount due, CFPB are not following te correct steps to fix this situation, and loan mortgage company are committing mortgage fraud, I required a lawyer involved in these matter since loan company is refusing to provide all documentation that I requested thru CFPB complaints

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: GA

Complaint narrative:
In the XXXX my Mortage Company XXXX discharge my Mortage other lenders been picking this loan up but without the accurate loan amount I need this loan validated with the previous company Selene Financial just picked the loan up in year XXXX of XXXX they are reporting wrong credit history information as well the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-08-31 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: DISCOVER BANK
State: NJ

Complaint narrative:
In According with the Fair Credit Reporting act, Everything has to be 100 % Accurate on my credit report, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) The below account are in Violation of not reporting 100 % Accurate. 

I have been disputing about my Discover Bank Ending with # XXXX with XXXX, XXXX to remove this account but they keep coming back and saying the account is verified. Attached is the Credit report which shows inaccuracies on my Credit Report. I would request to Delete this account and information related to this account completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle XXXX XXXX XXXX XXXXXXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation