vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ

Complaint narrative:
Taylor Morrison XXXX XXXX XXXX Called Taylor Morrison XXXX to drop my private mortgage insurance ( PMI ) - offered info for improvements they declined and said they would review and notify me in 2 weeks didn't get any info XXXX called back and they told me they needed money XXXX {$150.00} paid they took from my checking- I offered improvement info and they declined it and they said they would contact me by XXXX didn't hear back XXXX called back to follow up and they said they needed 2 more weeks XXXX called back and they said they mailed my money back cuz they didn't get my improvement list- I checked my mail box and no money or letter so called back they took out {$150.00} and gave me an email address to send my improvement list asked me to call back XXXX to verify receipt XXXX called back and they said they received and said they needed to review and to call back XXXX XXXX called and they said to call back on XXXX for status XXXX called and they said it was ordered and to call back XXXX XXXX called and they said it was not ordered and they needed a check for the appraisal XXXX called and they said they didn't need a check and ( XXXX XXXX initials she said ) ordered the appraisal XXXX called back to confirm it was ordered and they said due XXXX but I could call for a status on XXXX XXXX rec 'd letter transferring my servicing XXXX and can no longer assist as of Friday XXXX so I called and spoke to a manager XXXX and she told me to call back tomorrow for a status update. I requested a person 's name and extension and **** I have paid PMI for 2 months ( XXXX ) and going on 3 months ( XXXX ) which should not be necessary since I know the value of my home is more than what is needed to drop the PMI. I got an appraisal for a HELOC in about 3 weeks time with an appraisal and the value was $ XXXX over what I need to drop the PMI. Every Taylor Morrison XXXX employee said I need to let the process work itself out and they can not rush anything. They just say the same thing over and over and then to call back. I am concerned I am going to have to start this process ALL over at the new servicer Monday XX/XX/XXXX and pay another 2 months of mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I currently have an outstanding balance with the company. On XX/XX/XXXX, I entered into a payment agreement with the company, agreeing to pay {$59.00} per month until the outstanding amount of {$1200.00} was resolved in full. I did this with the full intention of paying more than was necessary so as to pay down the debt quicker. After this payment plan was established, I began receiving monthly bills from the company despite my paying each month. 

On XX/XX/XXXX I received a final notice requiring me to pay the amount of {$230.00} for services provided on XX/XX/XXXX. A payment satisfying the amount was made on XX/XX/XXXX. On XX/XX/XXXX I received a second final notice requiring me to pay the amount of {$110.00} for services provided on XX/XX/XXXX. I mailed a check to the company on XX/XX/XXXX for the full amount. On the same day, I received a letter dated XX/XX/XXXX from Credit Collection Services saying that the company had transferred my debt in the amount of {$230.00} to their collections service. The debt is for services provided on XX/XX/XXXX. In spite of the fact that I paid the full balance required of me, the company transferred my debt to a collections agency and continues to send me final notices via mail, despite my continued repayment of the debt. 

I called the company on XX/XX/XXXX looking for a resolution to the issue. A company customer service representative informed me that, while they would open an investigation into my issue, they could not guarantee the collections transfer would not impact my credit score or account standing. I was given a case number and told to call the collections agency, that they would be able to address my concerns. Upon calling the agency, I was placed on hold for 45 minutes and then told that their service center had closed for the day. While the company has told me that they would communicate the error to the collections agency, I currently have no way of ensuring that is the case as the representative I spoke with stated that the company does not provide written proof of the communications or proof of payment to the customer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last night I went in XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX Someone stole my phone and was able to access to my wallet and stole my money ( he XXXX himself 2000 $ ) and is using my cards to make purchases also. 
I need help ASAP I am not able to access any of my cards and accounts to block them

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 2022-07-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. I NEVER RECEIVED ANY FUNDS SENT TO MY ACCOUNT. THIS ACCOUNT IS UNDER LITIGATION. THE ACCOUNT WAS OPENED WITH UNKNOWN EMAIL ANDUNKNOWN BANKING INFORMATION. THIS ACCOUNT DOES NOT BELONG TO ME. I DID APPLY FOR ALOAN THROUGH THIS CREDITOR SEVERAL MONTHS BEFORE THIS ONE WAS OPENED FRAUDULENTLY. THAT ACCOUNT WAS PAID IN FULL AND CLOSED IN GOOD STANDING. I BELIEVE THAT MY INFORMATION WAS LEAKED AND EXPOSED BY THE COMPANY. I REQUEST THAT THIS ACCOUNT BE COMPLETELY REMOVED FROM ALL CREDITOR REPORTS AND ALL CREDIT BUREAUS.

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 2022-07-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXX, has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX - Account Number XXXX XXXX DEPTEDXXXX - Account Number : XXXX, has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed

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 2022-07-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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 withoutmy written instructions

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 2022-07-26 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 sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

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 2022-07-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-07-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Recovery Management
State: CA

Complaint narrative:
Ascension Recovery Management at XXXX XXXX XXXX, XXXX CA XXXX at ( XXXX ) XXXX a collections agency for XXXX XXXX in XXXX XXXX XXXXXXXX sent me a bill for a XXXX  XXXX that is not my vehicle. I think they are trying to find the owner. At DMV they told me the owner on the title is a XXXX man but would not reveal the persons name. 
I have legal rights and do not want to pay for someone elses vehicle. I think XXXX or Ascension agency should bill the legal owner and not harass me. Im physically XXXX  at XXXX and only XXXX of XXXX kids in a small family which I know can leave me vulnerable to threats like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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:
It appears that my credit file has been compromised with Equifax ; Again, I was going over my credit reports & noticed many items that do not belong to me. Since Im a stickler for research, I found under section 605b of the FCRA ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required by law to remove & block any items and information which is found to be opened due to identity theft, Equifax is required to remove any accounts/Inquiries or information no later than 4 business days after the date received. The disputed items do not belong to me. Im attaching the required FTC Report for Equifax and CFPB records ; I sent a letter on XX/XX/2022 ( attached ) to remove accounts and inquiries that is UNKNOWN to me. The law requires Equifax remove the following Fraudulent items listed below : 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... Please see attached verified Notice to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: IL

Complaint narrative:
i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXXXXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3.XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response

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 2022-07-26 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: IL

Complaint narrative:
i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX  -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX, I received an invoice from the XXXX XXXX XXXX XXXX in the amount of {$590.00} for cable TV services provided. Because I have not requested such a service, I called the company to find out what was due to that charge and I was told that I could not make the claim by phone, that I should go to an agency. I did so and I was given several invoices at the Agency in which I could notice that the person requesting the service used my name " XXXX XXXX '' with address in XXXX XXXX XXXX XXXX XXXX XXXX. On the above, I would like to clarify the following. Since I arrived in XXXX, I purchased a telephone line with XXXX XXXX XXXX personally but then charged the account of my daughter XXXX XXXX, who is in charge of the payment. I do not fail to say that I do not use any other XXXX XXXX XXXX service for three reasons : the first because I do not have the economic capacity to pay for cable television, second because the Mobile Homes residential where I live requires XXXX  services and they do not allow one to use the services of other companies and third, I have XXXX  years of residing in XXXX, Texas, I do not Therefore, I request to investigate who was the person who requested such a service using a name equal to mine and to clean my name to those who apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/2022 an inquiry was placed on my XXXX report from FNB OMAHA. I do not recognize this inquiry nor did I authorize it ( Sign for it, etc ). 

I am requesting to have this inquiry removed ASAP. 

Thank you 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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest Bank ran my credit report without my knowledge or approval. I applied for a auto loan on XXXX XXXX, was approved at 3.7 % for 60 days. On XX/XX/2022 XXXX XXXX contacted me to see if I was still interested in taking out the loan, I informed her I wasnt sure but would get back to her the next day. On XX/XX/2022 someone from Arvest Bank reran my credit without contacting me. I immediately contacted XXXX and she was to find out who & why this happened. Today, XX/XX/2022 I received a letter saying I was denied for the loan. 
I NEVER consented to having my credit report ran on XX/XX/2022. This was done AFTER I told them I did not know if I would be taking out the loan. One can not be approved for a loan then denied after letting them know you may not want/need it. You can not run my credit report without my permission.

Company response to consumer: Closed with explanation