vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed an account on my report I dont recognize from XXXX XXXX XXXX XXXX {$42000.00} And a few inquiries

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 2023-06-08 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: FL

Complaint narrative:
I noticed an account on my report I dont recognize from XXXX XXXX XXXX XXXX {$42000.00} And a few inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
The following debts belong to my father who died from XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices MBA {$2600.00} XX/XX/XXXX ) ( XXXX  XXXX. XXXX accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX  {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX  XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PACIFIC WESTERN BANK
State: TX

Complaint narrative:
I was the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Association names- XXXX XXXX XXXX XXXXXXXX XXXX. 
During XX/XX/XXXX, we transitioned our HOA management from XXXX to XXXX XXXX  effective XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made up a story that they need to move around $ XXXX from our existing bank to Pacific western as their software only work with that bank plus some other lies. 

Balance as on XXXX XX/XX/XXXX. 
Neighborhood : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {>= $1,000,000} Common : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {$250000.00} Current HOA Board tried to move the funds out of Pacific Western due to the following reasons : 1 ) Pacific Western XXXX XXXX not okay, please refer : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ) Getting very low interest of these funds. 

But XXXX XXXX come up with some other excuses that as elections are announced so let the new Board take some action not the existing Board. Elections were going to happen for next 5 weeks so that's a bad excuse. 

After the elections, I wrote to XXXX XXXX about what is happening now - has our funds moved out of Pacific Western or not? No response even after 2 weeks. 

We want our HOA funds to be covered by PacWest under ICS. Pacwest is a member of ICS ( Insured Cash Sweep ) for sure and any ics member bank has to show tranche in statements. hope this helps. there is no secrecy, as pacwest must be charging monthly fee to hoa account for this service. 

Also we would need only our operating account to be with PacWest  for them to seamlessly and {$250.00} XXXX is abundant and the operation account can be supplemented incrementally. 

We should be able to see the detail placements of funds in the monthly statement. XXXX ( XXXX XXXX  ) must have signed DPA ( deposit participant agreement ) for our account to be on ics, we need that DPA. XXXX XXXX giving us anything in writing holds no substance to mitigate default risk on our account. 

As a resident of XXXX- I want full transparency by Pacific Western to provide detailed accounts of our more than $ XXXX into these 4 accounts to each and every residents. Moreover only $ XXXX is FDIC insured, would like funds are safe guarded so that in case of Pacific Western 's failure- we may not be able to access our funds for around 60-90 days. 

If current Board would like to move out the funds to bigger, better, safer and stable bank accounts then Pacific Western must cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The insurance I correctly have stated that I do not ever owe anything. The bills that I have received in the mail have been sent back to insurance and reprocessed. I have spoke to a representative multiple times and they said this process can take a while. I have received many calls and a collections letter as a result when I should not owe anything. This has been an issue for almost a year now since I have delivered my son. My insurance is never being processed correctly or in a timely fashion and just creates stress on me. This situation could effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
I opened an high savings account with Sandy Spring Bank. I applied for the account online and spoke with their security division prior to them approving and opening the account. The initial deposit from another bank was completed on XX/XX/2023. I have attempted to receive online access on multiple occasions. On XXXX, I spoke with their Client Center who stated that I needed to present myself to a physical branch location to be able to set up online access. I inquired on how I might be able to access my money and again was told that the only recourse was going to a physical branch location. I would have set up this account, nor would I have allowed the transfer of funds from another financial institution. Further, I am concerned about the security practices of Sandy Spring. If there was a need to confirm my identity or provide additional information, shouldn't that have been done prior to them opening the account and moving my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been trying to resolve this issue since 2019 until present. I fell behind due to my medical condition as well as my husbands. I underwent several XXXX and I wasn't able to work for awhile which caused us to fall behind on our mortgage. I have been working with a company for no charge and they have been trying to get me a modification and we keep getting denied. We submitted and appeal and that was also denied. I wanted the opportunity to start over. We now realize that we have done everything we could to keep our home but we realize that we need to sell. But in order to do so we need PHH to stop the auction and allow me to sale my home through as short sale as i do not want to lose my home to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notice from our appraisal district stating that our XXXX Property Taxes were not payed. On this notice it stated that added interest had started accruing in XXXX on top of the original amount that was not payed. This was the first letter I had received from the appraisal district notifying me that the property taxes had not been payed In XXXX of XXXX. This is a new home that we bought in XX/XX/XXXX. In closing we set up an Escrow account with XXXX Mortgage and put down a payment of {$1500.00} towards escrow. When the account was set up we started paying towards the escrow account monthly starting in XXXX when the first payment was due for the house. I have been dealing with XXXX customer service for a month now trying to get this issue resolved. I sent them the notice I received in the mail as well as the XXXX tax statement that we received in the mail stating what our XXXX property taxes amount owed and it states at the bottom of the statement, please do not pay original has been sent to mortgage company and it has the mortgage companys name and mailing address. For 3 weeks now customer service stated that they were at fault and they will be sending a check to the appraisal district with the added fees, and that I am not responsible for the added fees. I called customer service again on Friday XX/XX/XXXX, because I saw that a Tax Penalty was added to my account online for {$730.00} that was taken out of my escrow account. The customer service person stated that she will be putting in a work order to have that removed because they are responsible for the added fees and to call back next week to make sure it was resolved. I called XX/XX/XXXX to check on the status and I was told that now I am responsible for the added fees and I will be receiving a notice in the mail stating the reason why. I was also told that the original payment for the XXXX property tax amount was my responsibility and not theirs and that is why I am at fault. As of my statement on XX/XX/XXXX my escrow account balance is now - {$1800.00}. I also see on my online account that on XX/XX/XXXX a check was sent to me at an address that does not exist for {$3800.00}. I tried resolving this issue as well because now I dont know where that money is and can not get a straight answer. I still do not know if the mortgage company has sent a check to the appraisal district.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Today XX/XX/2023 I was emailed by chase bank regarding an open account that I did not apply for. Contacted back to report fraud and identity theft. Bank closed card but directed to XXXX to report. Contacted XXXX and informed of the situation was then directed to file a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC
State: ID

Complaint narrative:
I paid this payday loan off awhile ago... it still states I am behind and owe the full amount. I've filed complaints but it's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Pursurant to 3-501. PRESENTMENT, 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. OBLIGATION OF ACCEPTOR ( b ). 
This Account has been paid in full and still pending submission of the satisfaction from Freedom Mortgage to file with XXXX deed records.

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 2023-06-08 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: GA

Complaint narrative:
Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXX of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

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 2023-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Complete Credit Solutions, Inc.
State: TN

Complaint narrative:
XXXX ( via XXXX XXXX XXXX ) was sued in a class action lawsuit, that was settled in XX/XX/2020. Part of the settlement was a guarantee to remove negative credit reports from former customer 's. XXXX XXXX XXXX has yet to do so, and has subsequently sold said " bad debt, '' to a collection agency ( Complete Credit Solutions ) , which is inaccurately being referenced on my credit report. This debt should be removed, as I have never borrowed, nor received funds from Complete Credit Solutions, and they do not have a valid signed contract with me directly.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: KS

Complaint narrative:
we purchased one blue floating week timeshare from the XXXX XXXX ( XXXX XXXX XXXX  ) in 1983. the loan for the timeshare was paid in full ( paid off early ). all maintenance fees have been paid in full and on time all these years. our warranty deed states " an estate for years terminating on XX/XX/XXXX ''. XXXX XXXX states that the timeshare was voted on to be extended for an additional 50 years in 2012. we were never personally notified of this extension nor asked to sign our approval of this extension. the only notice of this was a huge email sent in the winter/spring newsletter that bullet point # 2 says amendment 3 is passed-we have 50 more years. in 2012 we had very little internet access so we did not routinely open or read newsletters online. we only know of this now because XXXX XXXX at XXXX XXXX told us about it and joked that we probably never saw it. we do not believe that anyone should have the right to extend someones debt without their written consent. we are filing this complaint with all entities we can. thru a XXXX complaint the lodge stated that a quit claim deed stated that the timeshare had been extended. we finally located our copy of the quit claim deed from 1998 and the letter attached to it. the quit claim deed changed the way the timeshare week title was held from tenants in common to joint tenants. we can find no written reference to extension of the timeshare in the quit claim deed. there is a statement of " ownership become tenancy in common in the year 2022 '' which is the way the original warranty deed read when we purchased it. we are in our 70 's and have health issues. this is becoming very stressful. XXXX XXXX has turned over our debt for the 2023 maintenance fees to u.s. collections west in XXXX, az. XXXX XXXX offered 3 ways to exit the timeshare. we live on social security and make just enough that we don't qualify for the hardship return. we can sell it however no one wants timeshares anymore. craigslist is full of ads practically giving them away. or we can pay the XXXX XXXX 5 years of advance maintenance fees to return it. we believe our contract was fulfilled and do not intend to pay anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have asked for Ally to send me a payoff quote. I need this in writing. I am told I need to call in. When I call in, I have been hung up on several times and then the phone system seems to not to be working at all. I should not have to talk to them to get a payoff quote. I sent them the request through their secure website, and I have received other information and documents the same way. There is no reason why they should not be able to give me this information in writing. The longer they wait, the more interest is compounding. I am trying to see if I can pay this off now instead of continuing with the high interest rate.

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