vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - CARD SERVICE XXXX XXXXXXXX XXXX  DEPT OF ED/XXXX  XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - CARD SERVICE XXXX XXXX XXXX  DEPT OF ED/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - CARD SERVICE XXXX XXXX XXXX  DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
My Name Is XXXX XXXX I was in XXXX for three months while i was in XXXX my tenant on the first floor furnace broke down and could, nt be repaired it have to be replaced, the cost for the new furnace is {$6500.00} so i went online and fill applications on several sites daily and getting several {$1000.00} offers and {$600.00} offers which i was turning down but not realizing that i clicked on a Esign document but i still continue to search for the loan, I return to the XXXX in XX/XX/XXXX still searching for a loan and did, nt check my account until a couple days later for my ss check and retirement check still did, nt until end of month that a withdrawal of {$170.00} was taken from account for a loan of {$600.00} i instantly contact the company that withdraw my money trying to get some answers why i was, nt contacted about an approval loan for {$600.00} they claimed they send me an email that i did, nt received i in return tell them if you guys had went about this loan the right way i would not have accepted this loan because it did not meet my caused, so i return requested paper work on this loan which was sent to me right away and i was shocked when i see the percentage rate for a {$600.00} loan IS RATE IS 714.54 % I call them back right away and informed that you are ripping off the consumer and i, m not paying you XXXX for a {$600.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied to Third Federalfor a mortgage refinance and HELOC in XXXX and they were approved but I haven't been able to close yet. Apparently Third Federal says they sent 3 requests to XXXX XXXX for  payoff amounts but XXXX XXXX  says they haven't received any payoff requests. So I applied in XX/XX/2019 and was approved but 4 months later no closing. The last email I received from my loan officer stated she would get her management team involved ( with grammar errors ). She said she thought that the title company should have contacted me even though in previous emails she said the problem was we don't have payoff amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC
State: CA

Complaint narrative:
A GreenSky rep called me on XX/XX/2020 XXXX XXXX ) to ask if I had opened a credit with them for a XXXX  office. I said no, I have no idea who either the company or the XXXX  office is. She verified my name and address but when she wanted to verify my SS #, I said no. I was told that the XXXX XXXX name was XXXX XXXX XXXX in XXXX, CA. This woman also told me that they would send me a letter regarding the fraud. I also called the XXXX  office ( XXXX ) and we mutually verified that it was a fraud as we didn't know each other. I called back the number in XXXX and could not get through. Today I received a bill for {$20000.00} from GreenSky. They had a number on the face of the bill ( XXXX ). I called them three times today, XX/XX/2020 ; they started to give me general information but when I attempted to get information on this specific bill, the line started to be scrambled and they hung up on me every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.

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 2020-03-30 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.

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 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has res
ulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Randolph, Boyd, Cherry and Vaughan
State: VA

Complaint narrative:
This is a law firm that serves as a debt collector and they filed a judgment against me and bank acct.garnishment for an old Dental bill from a dental school and never gave me any notice of garnishment. I'm unemployed and receive SSI payments for my XXXX grandchildren. My bank notified me after the money was taken. Also, I noticed on my credit report that this law firm requested my credit report on XX/XX/2019 to obtain information to be used against me for this judgment and garnishment and I was not notified of this by them that they obtained my personal, private information without consent to use against me in a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I am refinancing my existing mortgage ( ... ... XXXX ) with XXXX XXXX XXXX  via Quicken Loans, to XXXX XXXX XXXX  via Quicken Loans ( ... ... XXXX ). 

The loan estimate dated XXXX indicated closing costs of {$2500.00}. I then received the Closing disclosure, XXXX, From XXXX XXXX, the mortgage agent from Quicken Loans, indicating closing costs of {$3000.00}. I realize the first quote I received was an 'estimate ' but to be off {$500.00} is, in my opinion, a deceptive practice. The Closing Disclosure could have been any amount they wanted, {$3200.00}, {$3700.00}, {$4000.00} or more and excuse it with 'it was only an estimate '! 

I gave a deposit of {$500.00} in good faith, but don't believe they are acting in good-faith with a 20 % increase in closing costs. 

To resolve this, I want my deposit back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
i have been trying to get in contact with these companies that claim that i am in debt to them to tell them that the debt is not mine. i have sent in many documents stating the obvious errors concluding the inaccuracies of the account. i have noticed this for quite some time and the information is incomplete. it has taken a toll on me financially. My lawyer has been notified to stop the company from contacting me and i kindly demand your quick response and to remove these accounts from my reports ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: OH

Complaint narrative:
Last year I agreed to and paid several companies for services that have tuned out to be an online business opportunity scam. I have paid thousands of dollars for services that were severely misrepresented and not provided to me as sold. I understand that Bank of America has a 60 day rule for disputes but I have recently been advised of my rights for scenarios just as this where I may disputes charges like these for up to one year for the billing date under something called claims and defenses. The  charges I am contesting were paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX on XX/XX/2019 {$9200.00} XX/XX/2019 {$1900.00} XX/XX/2019 {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
XX/XX/2019, an appraiser came to my home to do an appraisal for a refi. I made application for a refi with the company who held my mortgage, Lakeview Loan Servicing. 
They chose her to do the job. She came and was very scattered and unfocused. Within 5 days, I got the appraisal by email, and it was very low. Due to the fact that her comps were completely off, when she had exact comps to the subject home available in the neighborhood. I am a XXXX and know all about how it works. 

Lakeview stood by her appraisal. Which made it not worth my time to go forward with the refi because it did not reflect the true value of my home. 

I issued a complaint with my state 's Board of Appraisal and they did an investigation and recommended that the appraiser take a class in sales comparison. It was that oblivious. See Attached.

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 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against  me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
i pulled my equifax credit report, and they have 3 collection accounts in my file, with absolutely, no creditor contact information, how do they get away with screwing the consumer like this. either i owe nobody, or i owe everybody, cant tell by looking at my report. i wrote them asking to remove these 3 accounts, # XXXX, # XXXX, and # XXXX to date they have refused, can anyone please help me

Company response to consumer: Closed with explanation