vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: FL

Complaint narrative:
Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). XXXX  and Equifax are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and XXXX  and Equifax are allowing XXXX XXXX  to commit this fraud there by making both XXXX  and Equifax guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that XXXX  and Equifax are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want XXXX  and Equifax to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). XXXX  and Equifax both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this XXXX  and Equifax are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again XXXX  and Equifax are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to XXXX  and Equifax that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I have had a credit card with XXXX XXXX XXXX for several years, since XXXX. I have exceptional credit, and I would use my {$13000.00} credit limit for my XXXX company, where I would average about {$10000.00} monthly in usage. I missed a payment of {$23.00} for XX/XX/XXXX, whereas my bookkeeper simply missed the payment, or potentially two payments. Either way, I have been an excellent consumer and credit risk for FNB Omaha XXXX XXXX XXXX, and I ask for a one time courtesy on the late payment ( s ) and a reinstatement of my card. I will place an automatic payment on my card. My company generates over XXXX in business annually. I have excellent credit and desire to keep it that way. I'm requesting full reinstatement and apologize for this misunderstanding. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX Clarity Services Obtained my consumer reports without my authorization or a permissible purpose. I have not initiated any transactions with Clarity Services, nor do I have any accounts with Clarity Services for Review or Collection. On XX/XX/XXXX I sent Clarity Services a Notarized letter explaining to them of the Unauthorized Inquiry and for a {$1000.00} demand for a {$1000.00} settlement.

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.

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 2021-08-25 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: OneMain Finance Corporation
State: NV

Complaint narrative:
ON XX/XX/21 One Main Unlawfully Obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transaction with One Main nor do I have an account for review or collection. On XX/XX/21 I mailed One Main a Notarized Letter explaining that the inquiry was unauthorized as well as a demand for a {$1000.00} settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI

Complaint narrative:
The process the mortgage company put me through as I attempted to save my home was one thing but the fact that this mortgage company held a foreclosure sale on the home in XX/XX/2020 is my current issue. The buyer of my home which Im still living in And never left plans to flip it for profit, according to the fha moratorium the sale should not of occurred And the events me Avd my kids have been put through with their attempts to evict me should. Not have been allowed to occur.. I have been put through XXXX with court And have had to pay close to XXXX and was even forced to sign court documents while sick with covid or be evicted within 24hours. I have proof of those statements and threats. They told me they would throw me Avd my kids out while we were sick with covid this month. The justice system failed me. How was this missed why wasnt the moratorium used to protect me. At one court hearing the judge gave me 3 hours to pay XXXX or be evicted within 24 hours, while unemployed with XXXX kids. How can this be ok, how or why did the judge ignore the moratorium? Why was I treated so unfairly??? Why would a writ for eviction be given with the federal government having these moratoriums In place to protect homeowners like me. Is the local court allowed to just ignore those rules?? I dont understand and Im in disbelief of the treatment I received through the judicial system. Im currently being threatened to be evicted again because they are aware I have filed complaints and am questioning the moratorium And the mishandling of my case. I even lost my job Bc of what was happening with eviction. There are programs now that even foreclosed borrowers can use to get help to retain their home I have wanted my home this whole time but have been given no options. I believe the sale held in XX/XX/2020 is not valid and only makes it impossible for me to retain my home and I believe what I went through Is unlawful And unjust as the moratorium was there to protect me.I need the proper authoritys to take charge Avd get answers and fight for me And my rights, please help me, please Stand up for me, this is not fair, why is it so difficult for a borrower to be able to regain their home? Why did the mortgage company ignore the moratorium and continue having a sale of the home knowing still living there?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH Mortgage owes me {$3200.00}. 
PHH Mortgage Services purchased my mortgage from XXXX XXXX on XX/XX/2021. One half of the annual XXXX County RE taxes was due to be paid on XX/XX/2021 in the amount of {$3400.00}. PHH Mortgage Services failed to make the payment. The full amount of RE tax, {$6900.00}, was therefore due on XX/XX/XXXX. PHH mortgage failed to make that payment. As a result, XXXX County issued me a notice that I was in default for failure to pay the RE tax. After repeated attempts to talk to customer service as PHH Mortgage I made the full payment of RE tax {$7100.00} to the County that included a late payment penalty and interest of {$190.00}. PHH Mortgage issued me a check {$3800.00} in XXXX stating their was an excess of escrow in my account. I finally reached PHH Mortgage who have contended there wasn't enough money in escrow to make full restitution of the real estate tax. Therefore I was not due the balance of the RE tax of {$3200.00}. I believe either PHH Mortgage made an accounting error or PHH Mortgage did not obtain the full amount of escrowed from XXXX XXXX. Regardless, the error was made by PHH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: VA

Complaint narrative:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Allegedly Im assigned a person within this company to assist specifically for the possible prevention of foreclosure. The person has changed many times since my assignment with them as a consumer. Yet I get form letters telling me to contact them for additional assistance and they are NEVER available. I believe it was spoc something but Ive yet to have a conversation. I havent talked to anyone on the phone from this company since XX/XX/2020. On a couple documents a person who was removed was rubber stamped on a updated situation after they were reassigned by a new rep and I never had and conversation with them but they are included in dialogue like they preformed services on my behalf. Who are theses mystery people why are they so hard to get a hold of? Are there so many distressed account nobody can get to them IT cant be case load cause Im sure XXXX XXXX  has the man power .. how can this component thats put in place to help never contact me and dont take calls sign off on situations they arent engaging from the standpoint of the consumers perspective? I only email the spoc person once and he replied and was reassigned then a new and a new and a new one etc and they co-sign like the are engaging me with out any interaction to actually see whats the issue causing foreclosure cause had they would have been proactively involved the communications wouldnt have been this bad

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CA

Complaint narrative:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently opened an account with Citibank on XX/XX/2021. I attempted to transfer {$4000.00} from an external account on XX/XX/2021 but for some reason the transfer failed. Citibank keeps attempting to deduct {$4000.00} from my current balance. Everyday the balance is something different ; for example on Sunday XX/XX/2021 the {$4000.00} was missing from my account. On Monday XX/XX/XXXX it was there, and on Tuesday XX/XX/XXXX, it was missing again. The balance changes without me doing anything. I called a representative on Sunday XX/XX/XXXX and he blatantly lied to me stating that my money ( {$4000.00} ) would be at the external account by Tuesday XX/XX/XXXX ( this has not happened ). Moreover he tried to shift the problem at the other account when the issue clearly exists with Citibank as the balance changes every day. It is quite traumatic to notice {$4000.00} missing in your account and no one can seem to help from that institution.

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 2021-08-25 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: CA

Complaint narrative:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX/XXXX  XXXX XXXX/DEPT OF ED  XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2021-08-25 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: Revolution Financial Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX First Money Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with First Money nor do I have a an account under collection or review with First Money. 
On XX/XX/XXXX I sent First Money a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.

Company response to consumer: Closed with explanation