vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Gateway mortgage left out taxes on my monthly payment to make me qualify for a loan. This is the second time they have done this to me. I bought a home with them in XXXX and they left out school taxes and mudd taxes. I only found out months later after receiving notices my payment was going up and I was required to back pay. I recently bought a new home in XX/XX/XXXX and they did it again. I thought the first time was an accident but then it happened again. My new mortgage payment is now more than I am able to afford and I am being back charged for the amount they left out in closing. I would have not agreed to the mortgage if I had known the actual payment amount. This I believe was manipulation of my ability to pay to force qualify the loan. They have since changed names and I can not get anyone willing to help. They sold my account before my first payment. That also seemed to have a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
In XXXX after much assurance from XXXX XXXX, CEO of Binance US, I sent $ XXXX. When it was time to with draw, ( XXXX weeks later ), XXXX  requested $ XXXX. I reluctantly sent it and he assured me that the funds would be sent to mXXXX XXXX XXXX account. The funds never did appear in my account. I sent several follow up messages to XXXX who finally responded that I needed to send $ XXXX, I told him I don't have that and can not send it. He still has my money. I have a transcript of all out communications. I can send copies of emails as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: NV

Complaint narrative:
my credit information was stolen and use without my consent 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2023-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX we checked our online account with SPS servicing and it stated we were due for a XX/XX/XXXX payment and that the XX/XX/XXXX payment was processing. On XX/XX/XXXX we noticed that the money had not come out of our account for XXXX or XXXX and we called in on XX/XX/XXXX and made a XXXX payment which shouldve been good for XXXX and XXXX. We then received a letter stating that our rate went from 4.875 % to 20 % and we were forced to pay over {$3300.00} for XXXX and XXXX. They excepted our phones and are still stating that we are in default. Our bank confirmed that the money was available on XX/XX/XXXX and that they never attempted to withdraw the ACH payment. We provided SPS servicing with proof that money was in the account on XX/XX/XXXX. This is predatory lending at its finest. We have called in every week and are getting different answers every time we call him. They have taken the money and that applied to any past due payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MD

Complaint narrative:
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND EXPERIAN HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

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 2023-06-06 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: TX

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 XXXX XXXX XXXX. 

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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:
Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$920.00} 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 2023-06-05 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: TX

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
Paramount Recovery 's response to the Consumer Finance Bureau was that the accounts were now closed from their offices, and they requested that the trade line be removed. However, this is not the case, as they have updated the collection account on my credit file and are reporting the same information twice. They changed one letter in the account number but reported the exact information twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
I called Ability Recovery Services LLC to make an attempt to try and verify a debt they say I owe they put me on hold and then blocked my number I'm still blocked as we speak and they couldn't even locate the debt but they are reporting it to my credit report so someone has to explain what is going on.

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 2023-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 
Accounts ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 
Accounts ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT  XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COMMERCE BANK
State: MO

Complaint narrative:
Opened second account after an attempted check fraud. Bill pay wasnt transferred to new account and delay by the bank resulted in late payments which damaged credit and resulted in injury to investment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2023 I ended up calling Trans Union THIRTEEN TIMES because the majority of the times I was either quietly disconnected or hung up on! 100 % of the customer service were from XXXX. I can not get into my online account at all. None of these knuckleheads were able to help. All they could do is apologize. 
On Monday, XX/XX/2023 I called Trans Union 5 times and the exact same occurrences repeated. I have repeatedly asked for management, called headquarters, emailed and more, to no avail! This company, in my opinion, should be shut down. Trans Union has a consumer rating of a 2.7 % out of 5. Scholastically, that's just above a " C ''. I have no ben able to access my credit file for over 60 days and TU is NOT helping in the least. They do not call back when they say, they drop calls frequently, they are rude over the phone and more.

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 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Home Mortgage misrepresented payment history. Caused damaging effects on my living situation and credit.

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 2023-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
We couldn't afford to pay our 2nd mortgage ( XXXX ) back in 2009 when the housing crisis happened. For 13 years we have heard very little about it. Now they are claiming we owe XXXX and they are threatening foreclosure if we don't pay. We asked for help numerous times ( at least 6 times ) and they ignored us, until just recently when we received a notice of civil lawsuit from them. They told us to give the XXXX then {$510.00} a month at 9 % until XXXX when they'd make it official, which we don't have, and they didn't put that in writing. We need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
My Mile stone card was used through my XXXX account. Since the charges was not me they refunded the money. However ; they later said that paypal confirmed it was me. I checked with XXXX and they said that it is not true and that my credit card company reported that they reimbursed me the charges. The credit card compant keeps saying XXXX said it was me. However ; I let XXXX know that it was not me and they also reported that they could not get intouch with the compant that I said purchased something from them and nothing was mailed to me. I have called the credit card company several times and get a non english speak or the phone hangs up. I confirmed with a rep that they never verified to the credit card company that this was me. This credit card company is completing theft by deception. 

Below is what XXXX has on file Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/2023 at XXXXXXXX XXXX EDT. 

There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details.

Company response to consumer: Closed with explanation