vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KP ASSET CONSULTING LLC
State: CA

Complaint narrative:
This person keeps calling and the DEBT IS NOT MINE. XXXX called left threatening message for a XXXX XXXX I am not XXXX. Called everyday around XXXX leaving more threatening messages for a person named XXXX threatening to sue, threatening to file in court. I was finally able to make contact with this person XXXX XX/XX/2022 at around XXXX to tell him they had the wrong number, there is no XXXX here, he called me a liar, told me to stop trying to hide my husband and threatened to send someone to the house. I said I am unmarried, go ahead and send someone I will call the sheriffs. He cursed at me and hung up. I called back, I told him the called was being recorded he said then record this " you will pay the money or I will send someone, these calls will never stop and I will keep calling you! '' I told him to cease and desist, they have the wrong person. He hung up again. I called again repeatedly trying to contact someone, no answer. I googled the company and located his information. I called again after an hour this same guy finally answered. Again I told him, I am not the right person, they have the wrong number, he said he didn't care. I called the sheriff and filed a police report, I called the XXXX in my state and filed a report and now I am reporting to you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: GA

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 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 XXXXXXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Act # XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Act # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I took advantage of the Nebraska HAF program and on XX/XX/2022 is when Wells Fargo advised to them their system was down. When I contacted Wells Fargo on numerous occasions they said they have no information about any government program and when I call the NHAF they place blame on them meanwhile Wells Fargo is attempting to put a foreclosure on my house and I went from a bad situation to detrimental depending on a program that Governor XXXX XXXX stated was supposed to help the homeowners and no one is being accountable about this process at all. I have asked for several manager callbacks from NHAF with no response and Wells Fargo won't connect me to the department that handles their special loans. NHAF reps said XXXX Wells Fargo customers are affected and what it appears is Wells Fargo may be purposely not responding to the paying party because they rather to sell the homes then work with consumers ultimately.

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 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been violated by CHASE BANK. They have committed acts of fraud against me. I have reached out to them via U.S. Registered Mail with return receipt that one of their agents had received all mail correspondence. I have attached a copy of the final communication from CHASE BANK, and they have admitted to fraudulently processing my credit card ( Also known as ) my social security card for an auto loan application. They have violated 15 U.S.C 1602p " unauthorized use ''. They have also violated Cal. Civ, Code 1572 Fraud along with several other violations. CACI No. 1800. Intrusion Into Private Affairs. CACI No. 1804A. Use of Name or Likeness ( Civ. Code, 3344 ). As a result of their fraud, my consumer credit report has dropped causing me to be denied from other credit opportunities and paying a higher interest rates. They has never had my permission or authorization you process my credit card. They can't produce any application with my signature or my consent for them to process my credit card aka Social Security Card. I am prepared to take this commercial matter to court to get my remedy. Also shown in the mail correspondence from CHASE BANK, they refused to respond in a sworn affidavit.

codes violated : CACI No. 1803. Appropriation of Name or Likeness - Essential Factual Elements 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 78ff - Penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Radius Global Solutions, LLC has attempted to contact me via text message on multiple occasions. After each attempt, I have opted out of that type of communication by replying STOP. After every reply of STOP, this company has continuously attempted to contact me via text message. I have never received anything written via mail from this company from this debt that they are attempting to collect. This behavior is in direct violation of TCPA and demonstrates abusive collection matters.

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 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I was just told by a manager at Caliber Home Loans, that despite being negatively impacted by COVID-19 ( death in my household from COVID-19, laid off from work due to COVID-19, and assuming on the responsibilities of a dependent due to the death of one parent due to COVID-19 and the other by XXXX ) and turning in my request for a loan modification, I will still lose my home. I was told earlier today by another representative that my modification request was received and that the foreclosure would be postponed. Also, the day that the foreclosure notice ( XX/XX/22 ) was posted, I was emailed a modification application to which I completed and returned. The manager that I just spoke to said that the the application should not have been sent. Despite other representatives telling me that I qualify for hardship assistance, the manager is insistent that there is no one else that I can speak to, the decision rests with her and that there is not enough time to stop the foreclosure, despite it being over a week away and despite my application for assistance that I am told I am entitled to by having an FHA loan has been received by Caliber Home Loans. If I lose my home, I and my young cousin who also resides in the home ( who recently attempted suicide three times and is barely coping with the loss of her parents ) will be irreparably harmed and homeless. I am working now and could stay in my home with a hardship modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is another complaint against Shellpoint Mortgage Servicing 's response to complaint # XXXX. On XX/XX/XXXX XXXX from HUD and I spent over an hour on the phone with Shellpoint against their response that did not satisfy the complaint. They still refuse to give credit for the XXXX - XXXX, XXXX and XXXX payments and will not accept the returned payments to this month or terminate the foreclosure or wait for Real Time to complete their research of the misapplied payments from XXXX - XXXX. They also listed XXXX - XXXX as past due for the first time ever and refuse to give credit for the backup copies of cancelled checks sent for XXXX - XXXX. 
They said they sent annual escrow analysis statements but we did not receive one in XXXX or XXXX, not until this year when I learned our payment was increased in XXXX due to the escrow increase. Two checks were mailed, {$960.00} for the XXXX - XXXX differences in payments sent and {$4100.00} for the XXXX - XXXX they returned. They returned these two escrow payments but told HUD payment could be made on the phone- XXXX XXXX said no payments would be accepted. But they said they received {$2100.00} escrow payment on XX/XX/XXXX that they cashed and applied which I did not send. 
We submitted another loan modification application which XXXX XXXX stated documents were missing, I didn't agree but resent the documents. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Turning Point Solutions LLC
State: MI

Complaint narrative:
I received a phone call from someone claiming to be from Advanced Capital Solutions claiming I owe a debt. They sent me an email stating how much I allegedly owe, but the information that was in the email did not advise me of my right to dispute the debt. Furthermore, the address and phone number provided does not match what is on the company 's website. When I googled the address a strip mall with a pizza place came up. Additionally, the phone number can not be found with XXXX. 

The phone number provided in the email is XXXX, but this is not the number they called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-27 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: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
This is not my bill. If it is, no one has contacted me. Reporting on my credit report like I'm missing monthly payments and no such arrangements have been made. They are sending mail to a relatives house who has tried to send back and they keep returning. Did they do an inquiry on my credit report for that address that I used while trying to gain employment in XXXX? Today they reported I missed a payment and my already poor score dropped drastically. This has to be illegal for this collection company to be doing this. 

The XXXX complaint I went ahead and paid what my insurance company should have paid. I asked them to delete this record and they refused to. This is a medical collection that exposed my visit to them ... does this not violate HIPPA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Contacted PayPal multiple time last to close my account. Theyve stated they cant. My personal account was verified never made any transactions or anything I had to upgrade my account to be able to receive payments for my work. Thats the only change that was made Ive never had any other PayPal account or did business with PayPal. They just shut my account down and not allowing me to close so I can use the other service my employer provide call stripe which is illegal I dont have to use your service but you cant hold my business hostage either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MADE ATTEMPTS TO CONTACT EACH COMPANY TO DISPUTE AND CORRECT ACCOUNTS BEING REPORTED WITH NO SUCCESS. LOCKED CREDIT PROFILE IN FEAR OF SOMEONE USING MY INFORMATION XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My federal consolidation loan is held by FedLoanServicing. I applied for PSLF ( public service loan forgiveness ) in XX/XX/XXXX and submitted all my employment certifications. I submitted all the certifications again in XX/XX/XXXX. I have received multiple letters indicating that I am not yet eligible for forgiveness and that my payment count stands at XXXX. However they did not count two of my employment certification forms from XXXX. If those payments are counted then I have well over the 120 required for forgiveness. I have repeatedly called and emailed with no response. I have filed a complaint with FSA and my complaint was closed. No one can tell me why the two forms from XXXX were not counted, if there was an error or for some reason they believe the employment does not qualify or if there was an issue with the signature or something else. I have not been able to speak to someone on the phone despite multiple attempts. 

I was recently notified that my loans are going to be transferred to XXXX sometime in XX/XX/XXXX. I want this resolved before my loans are transferred because FedLoan Servicing is the one who has all the information about my payments and all the certifications that I've already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am disputing XXXX fraudulent charges on my Bank of America VISA : {$84.00} to XXXX XXXX Parking Enforcement in XXXX  on XX/XX/2021 and {$150.00} to XXXX in XXXX XXXX  on XX/XX/2021. I reside in XXXX  State and can show that I was on the other side of the country during the time of the fraudulent charges. I contacted BOA for a fraud investigation. They have sent me XXXX denial letters. In reviewing the BOA form letters, it is clear they did not do an investigation of the matter. They have not provided any proof that I made these charges ( such as a signed receipt ). The second denial letter acknowledged that I did not make the charges but rather BOA asserts the charges were made by an " authorized user '' which is false as there is NO authorized users on the account except for myself. BOA is acting in bad faith and I am demanding they refund these fraudulent charges on my account and retract any comments added to the credit reporting agencies regarding these fraudulent charges.

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 monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I bought a apartment on XX/XX/XXXX and I submitted a request form to Chase Bank to waive my PMI on XX/XX/XXXX. The Chase bank scheduled appraisal for my apartment on XX/XX/XXXX and I got the BPO price $ XXXX for my apartment and it reached LTV ratio 80 % to cancel PMI. The Chase bank revised the appraisal report personally for $ XXXX. 

On XX/XX/XXXX I received a appraisal report from Chase which shows BPO price $ XXXX and the appraisal information was wrong : 1.I have three garage parking and appraisal report shows only have one. 
2.I have a deck and the appraisal report shows none 3.There were a lot of recent sold similar property but the report shows there was a lack of similar comps in this area. 

Above all, the Chase bank hide the original appraisal report revised appraisal report price so that I can not cancel my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-27 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: IL

Complaint narrative:
Experian is completely impossible to get a hold of via telephone. It's borderline fraudulent how negligent they are and refuse to support their customers. 

My identity has been stolen and the individual already made an experian account under my name so I can't even make a fraud alert because they will just cancel it. Experian provides no support in this matter and I have gone as far as emailing current employees at experian and still no response. 

They need to be held accountable and made available because their lack of support is unacceptable.

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