vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REISENFELD & ASSOCIATES LPA, LLC
State: IN

Complaint narrative:
My home went through foreclosure with XXXX XXXX XXXX on XXXX. The law firm that handled the foreclosure was Reisenfeld and Associates in XXXX, OH. The judgment amount entered on the defaulted mortgage was {$290000.00} ( attached ). The property was sold at auction on XXXX for {$340000.00}. This left a surplus of {$54000.00}, of which I am entitled to. Reisenfeld and Associates issued a demand for {$320000.00}, with no accounting to support the {$35000.00} increase. They issued the demand direct to the XXXX XXXX XXXX and they were paid the {$320000.00} direct. They have ignored my inquiries and calls regarding this issue. I have collected the {$18000.00} left over with the help of my attorney. I am seeking help recovering the {$35000.00} of equity the was wrongly stripped away by Reisenfeld and Asssociates. They violated HUD loan servicing law and have fraudulently distorted the the accounting on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: IL

Complaint narrative:
My credit file is showing accounts on my credit that are reporting without my permission and is violating my consumer rights under FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX at a XXXX as a XXXX present for my daughter, with a balance of {$400.00}. 
She used the card the next day online to make 2 purchases for about {$64.00}. We are waiting to see if these purchases complete. 
She has since being unable to use the card with transactions being declined by all subsequent merchants. 
I called the XXXX customer service number XXXX & spoke to a representative called XXXX on XX/XX/XXXX, & was informed that the card could not be used again until the initial XXXX transactions had cleared on XX/XX/XXXX, no explanation was given. 
I called again today to request a refund & have not been able to get through at all. 
I decided to call the CFPB to make a complaint ; it turns out that when on hold it is the same music playing at the CFPB & XXXX- this unfortunately adds to my suspicion that XXXX is not a legitimate financial organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I visited a car lot in search of a XXXX XXXX, I provided the salesperson with my Identification and Social security card while I looked at vehicles, he ran my credit. He told me I was approved for a XXXX XXXX XXXX for {$7500.00} down payment. Upon signing the agreement, I noticed that my name was not my correct name, it reflected my Middle name, I asked why, he said it was just to make sure that I was approved. Thats predatory, and not only predatory, I never gave permission for this.

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX reference number XXXX I don't owe this company any money my 2 year contract was done with them and then I switched to prepaid service I never signed or agreed to anything with them after the 2 years was done I've called them many times and even went into the store when I did my prepaid plan I will not pay I dime on this nor next time I get anything from the company I will be suing for harassment goodbye

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My XXXX XXXX XXXX ( birth parent ) named me primary XXXX of a securitization trust. The mortgage company has failed in paying me her death benefit of over {$500000.00}. The original mortgage company was purchased by another bank, after my XXXX XXXX. Also, another bank was trustee of the mortgage after my XXXX XXXX  and they too did not contact me either. For over 18 years I have written both banks and the original mortgage company, numerous times telling them I am the named XXXX XXXX XXXX XXXX, and that I have not been paid out my inheritance from her death benefit. I have also sent several copies her original death certificate to each bank and mortgage company. This has been going on since XXXX until present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has exposed my personal information in a data breach. They have been reckless and abusive with consumer data and it's unacceptable. If they do not resolve this issue below, I will file a small claims suit in my state for a much larger amount. These debt collectors and consumer reporting agencies can not continue to get away with putting consumers lives and consumer reports in danger. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. They need to settle for {$3000.00} immediately. I have attached the document that confirms I was violated and my information was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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'm a natural person, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2022, someone opened a credit card at Truist Bank in my name and put {$3200.00} on it. I do not bank with Truist at all! I found out about it in XX/XX/2022 and I have repeatedly tried to speak with someone in the fraud department or customer service at Truist concerning this. In late XXXX XXXX I was finally put in contact with a Truist fraud specialist who was supposed to be handling my case. On XX/XX/XXXX, I sent this " specialist '' a copy of documents confirming my identity ( things that she requested ) via email. I have repeatedly tried to follow up with her by email and phone to get an update and she has failed to respond. This fraudulent credit card remains on my credit and is ruining my credit score.

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 2022-12-27 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: WA

Complaint narrative:
Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the Experian XXXX data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over 100 points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.

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 2022-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I paid for a brand new Hyundai XXXX 2014 with a 10 year or under 100,000 warranty. My engine stop working after 2 years. Towed my car to Hyundai XXXX dealership where they submitted inaccurate information regarding maintenance to the warranty company that denied my claim also deemed Final decision. Without no evidence as to what paperwork is missing from maintenance for claim denial. Ive submitted all information regarding maintenance on vehicle, and Hyundai and the warranty company is not disclosing who made this decision and why. My car has been down for 2 years because of this situation and Im hoping someone can help me investigate this matter

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NE

Complaint narrative:
Back in XXXX, my accounts with chime and XXXX XXXX were fraudulently accessed and used over {$1000.00} and chime and XXXX XXXX both refuse to refund my money. Chime says that I have not been able to prove that the transactions were fraudulently done by someone else, when that is not the case I have police reports, and sign that affidavits from people stating that I never left the state or use my card at any of the locations that the card was used at fraudulently along with a slew of other evidence to prove. XXXX XXXX will not refund my money because of losses from a fraudulent XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment

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 2022-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I reached out to PNC multiple times regarding this dispute that I did not do. My dispute was not properly investigated I also went into the branch multiple times and called over the phone. I also called over the phone and filed multiple disputes. 
. I I believe that this was part of a data breach which caused my credit score to drop over charges that wasnt properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: FL

Complaint narrative:
CFPB + The Best Service CO/XXXX  On a recent check of my credit reports I see there is a collection/charge off account from The Best Service CO/XXXX  saying I owe a debt of {$4700.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

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 2022-12-27 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: IL

Complaint narrative:
My credit file is showing accounts on my credit that are reporting without my permission and is violating my consumer rights under FCRA guidelines

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 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have 5 different amounts that are affecting my credit with amounts of {$210.00}, {$140.00}, {$480.00}, {$410.00}, {$270.00}, dated XX/XX/XXXX and another on XX/XX/XXXX with the amount of {$240.00}, and I called the collection number that is from from the XXXX XXXX XXXX XXXX XXXX, to obtain more information and they tell me that I do not have those amounts in collection, what should I do in this case? If they tell me that those dates are not there, let alone those amounts, but it continues to hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
Inaccurate collection reporting to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. They are attempting to collect {$280.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX XXXX XXXX without my consent. According to FCRA, this is against Hipaa law.

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
I have received an email notification from XXXX to check my credit score because it has decreased. After I logged in to XXXX I have noticed a collection account from unknown company called " L J ROSS ASSOCIATES IN '' and the original creditor is " XXXX XXXX XXXX XXXX XXXX XXXX ''. I have multiple accounts with " XXXX XXXX XXXX XXXX XXXX XXXX '' therefore I called " XXXX XXXX XXXX XXXX XXXX XXXX  '' to find out what this is about and if I owe any money on any of the accounts to which " XXXX XXXX XXXX XXXX XXXX XXXX '' said I do owe money for a property at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I replied to " XXXX XXXX XXXX XXXX XXXX XXXX '' that I never owned this property and I never had any accounts there but I have represented the seller as a licensed real estate broker and sold the property on XX/XX/2020. Which brings me to conclusion ; I would like to report fraud both on " XXXX XXXX XXXX XXXX XXXX XXXX '' and " L J ROSS ASSOCIATES IN '' and request for this collection to be removed from all credit bureaus and proof of to be provided upon doing so.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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:
A dispute was filed with XXXX informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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:
A dispute was filed with XXXX informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXX XXXX  XXXX XXXX XXXX 'S 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