vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I sent the attached letter to Lendumo on XX/XX/XXXX, & have not received any responses yet. I followed up with them again after XX/XX/XXXX, & still no response. 

ALSO I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So Please stop assuming it was someone else, & Please address my complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
On Saturday, XX/XX/XXXX, my husband and I received via certified mail notice of default from Caliber Home Loans. This is in error because we have paid our mortgage on time and our online account shows that we are current on our mortgage. The notice lists {$0.00} as past due and yet clearly states notice of default. 

This is very distressing to us, as it is our understanding that 30 days from receiving this letter our home may be placed for sale. We want to make sure this error is immediately addressed and have also contacted Caliber. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

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

According to 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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I contacted Spring Oaks through the CFPB and XXXX on XX/XX/2023 to inform them I have no knowledge of this account or the original account. I requested this account be removed from reporting on my credit report. As of XX/XX/2023 the item in question is still reporting. 

The original creditor for this account, XXXX XXXX, has never provided any documentation to prove this account indeed is mine and that I legally physically signed any paperwork agreeing to this debt. 

Please remove this account from reporting on my credit report further. 

The original creditor or debt collector has illegally re-aged this account thus is a violation and per my consumer rights I have the right to sue. 
( PER EACH CREDIT BUREAU REPORTING INACCURATELY AFTER REINVESTIGATION ) Please remove this account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unfortunately my auto pay was turned off on my XXXXXXXX XXXX XXXX  did not properly notify me until I was almost 2 months late. Their emails did not indicate that I was late on a payment the subject line just said your payment is due. Anyways it was a {$30.00} payment I paid the card off the balance was only {$200.00}. I have excellent credit I have many open credit cards I am below 25 % on my credit usage. XXXX reported it to XXXX and XXXX they dropped my credit score by XXXX points because I had such a high credit score. Now my credit score is poor. I had a XXXX now I am down to a XXXX. Why is it that they can get away with dropping credit scores over XXXX down XXXX points for 1 late payment yet someone who has a XXXX credit score will only lose XXXX points in a situation like this? 
That is my problem why did I not only lose XXXX points? 
Why do I get XXXX points taken off? 
Plus they did not evaluate my entire credit situation and everything that has been paid on time for the past 7 years. How is this fair reporting? That is my question.. why are we not looking into how they choose who gets XXXX points for a missed payment and who gets XXXX points? It doesn't pay to have good credit evidently

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I applied for a bank of America Allegiant visa signature card on XX/XX/2023 and got denied. I have the right to credit. Denied access to my verified account Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act. Denying me access to my credit is discrimination.

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 2023-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX I was told to make wire transfer on XX/XX/2023 XXXX funds through XXXX XXXX XXXX The Company Information provide to me did not work, and I purchase a Cashier Check XX/XX/2023 and mailed to this address over night. To XXXX SN Servicing Corp XXXX XXXX XXXX XXXX XXXX CA XXXX, Cost about {$85.00} next day. I sent a copy to by email to XXXX XXXX XXXX of the Cashier Check for {$2000.00} and Recievied a call from ask what happen and I told her, I found a buyer for the House ans would close XX/XX/2023 and She replied call and make sure SNC recieved payment. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. Company blocked my attempts to save my home.They provided incorrect information. Failed to honor in-process modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have to been able to provide such proof to me.

This is a violation of the fair credit reporting act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Cfpb, This is my dilemma... XXXX XXXX sent my account to debt collector IC systems without sending mailing me any correspondence.. I opened my account with XXXX on XX/XX/XXXXXXXX XXXX XXXX and I closed it in XXXXXXXX XXXX XXXX due to functionality issues with my purchased device on their network. Upon closing my account, I specifically asked their customer service team if I can continue to make payments on XXXX even though my account is closed. The customer service team responded with a yes and I continued to do so. On XX/XX/ I received an update from XXXX XXXX that my XXXX account has been sold to IC systems and my credit score dropped by XXXX points. Below I've attached pdf directly from XXXXXXXX XXXX  site proving that I never stopped paying on the debt of my device ....

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 2023-10-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me. 
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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unfortunately my auto pay was turned off on my XXXXXXXX XXXXXXXX XXXX did not properly notify me until I was almost 2 months late. Their emails did not indicate that I was late on a payment the subject line just said your payment is due. Anyways it was a {$30.00} payment I paid the card off the balance was only {$200.00}. I have excellent credit I have many open credit cards I am below 25 % on my credit usage. XXXX reported it to XXXX and Transunion they dropped my credit score by XXXX points because I had such a high XXXX XXXX. Now my credit score is poor. I had a XXXX now I am down to a XXXX. Why is it that they can get away with dropping credit scores over XXXX down XXXX points for 1 late payment yet someone who has a XXXX credit score will only lose XXXX points in a situation like this? 
That is my problem why did I not only lose XXXX points? 
Why do I get XXXX points taken off? 
Plus they did not evaluate my entire credit situation and everything that has been paid on time for the past 7 years. How is this fair reporting? That is my question.. why are we not looking into how they choose who gets XXXX points for a missed payment and who gets XXXX points? It doesn't pay to have good credit evidently

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 2023-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
Im not liable for this debt with SPEEDY CASH I do not have contract with XXXX. They did not provide me with the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was married to a man that got married with me based on fraud to gain citizenship without my knowledge, it appears that he also opened a few credit cards while we were together and used without my knowledge dating back to XXXX to create a business " fancy juice '', when I learnt about the marriage being a fraud I informed my lawyer, contacted the immigration, filed restraining order. I don't know what happened to him an dif he is still here or not but what I know is looking at these cards and amounts I have absolutely no idea of that he was the one opening them. he told me that he will destroy my life but I didn't think that he could financially this way fraudulently opening accounts under my name and using cards. CAPITAL ONE CHECKING ACCOUNT WAS NOT OPENED BY ME NEITHER ITS TRANSACTIONS, CREDIT CARDS WERE NOT OPENED BY ME. O I ONLY TRIED TO OPEN A CD BUT COULD NOT CONNECT AS I WANTED SO JUST LEFT THE {$100.00} DEPOSIT IN THE CD AND LAST THING I KNOW CAPITAL ONE SEND ME A CHECK WITH THAT AMOUNT, CLOSES ALL ACCOUNTS I WASN'T AWARE OF, RUIN MY CREDIT I DO NOT KNOW WHICH EMAIL HE IS USING OR USED. I AM SO FRUSTRATED AND NEED HELP WITH THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received notification on XXXX XXXX that my account was closed. I called them on the same day, they said that it was likely a bug to be resolved within 48-72 hours. 
I called them about 5 days later, they said it was a bug and would resolve it. 
About 2 days after I called again and they said it was showing that it was due to a charge that had previously bounced - however that charge was related to a corporate/business account that bounced when XXXX collapsed and the company had to move accounts from XXXX. 
Also the account that bounced was for the business cards which AMEX left open, however, they decided to use that as an excuse to close my personal account. I have not heard back from them till date despite multiple promises to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

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

According to 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 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Have an FTC on file and credit bureaus have not honored this.

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