vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc.
State: MD

Complaint narrative:
My name is Name, a federally protected consumer, and I am making this complaint against Recovery Management Services, for committing identity theft. I have never given Recovery Management Services, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Recovery Management Services any right to collect on this alleged debt.

I have never received any documentation requesting validation from Recovery Management Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Recovery Management Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Recovery Management Services
, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Recovery Management Services, continues its collection efforts, I will file for litigation for actual damages caused and Recovery Management Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-05-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX XXXX : {$0.00}

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 2022-05-18 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2022 to XXXX XXXX Someone hacked, Spoofed, Pirated, Accessed my Wifi to get into my phone to Access my Wells Fargo Bank Account. Once this scammer Accessed my Wells Fargo Bank Account they made 36 Unauthorized XXXX Money Transfers to another account totaling {$5000.00}. I reported this Unauthorized activity to Wells Fargo Fraud Department. But Wells Fargo did nothing. Wells Fargo didn't even contact XXXX. From the start I told Wells Fargo that I did all my banking from my phone and my phone had to have been hacked. All Wells Fargo could tell me was that the transfers came from my phone, and that I made the Transfers. I tried to explain that when your phone is hacked and a scammer steals your funds, the scammer has taken over your phone so yes it will show that the transfers was made from my phone. But Rather than do their job and investigate, Wells Fargo seems to think I did this. I did not authorize these transfers, I did not authorize anyone else to do this. I have no idea who did this. I want my funds {$5000.00} returned to my account. I have hired a law firm to represent me and Wells Fargo has already been served the Legal paperwork to start the Legal Process. I have also Filed a official Fraud Complaint with the Indiana attorney general 's office. I have also Filed a complaint with the 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 monetary relief
Consumer complaint received 2022-05-18 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 credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File. 

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
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 2022-05-18 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Heartland Resolution Group, LLC
State: VA

Complaint narrative:
I have been harassed about this " debt '' for well over 7 years now. I originally had a medical bill from 2013, and paid it off a month or two later through my insurance. I have since been harassed by numerous agencies trying to collect on this " Debt '' despite the statue of limitations ( even if I did owe it ) ran out years ago. 

They claim I owe a debt from 2013, 8 years and 10 months ago. They are harassing me, claiming I owe a debt which I do not. They are even being unscrupulous in their efforts to try to force me to claim the debt is mine ( It isnt ) by saying I can pay a very small amount in 60 days ( which would make 9 years later )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On my cash app someone got into my account and my bank account they took XXXX $ out of someone else account and sent it to mine then had stolen my debit card and used it after sending money to it. So the person is threatening to press charges on me and I didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I purchased a home in XXXX and received a small loan ( {$6300.00} ) from XXXX XXXX XXXX to cover the down payment. For the first few years, I made payments on 2 accounts each month with XXXX XXXX XXXX  to cover the primary loan and the secondary loan. 
I refinanced my home in XXXX and expected the small secondary loan would be paid off. I think it was... but I am having trouble getting confirmation of that face from my current mortgage company, Freedom Mortgage. 
I have discovered that no one filed a lien release in XXXX so the lien still appears on my home. 

I have spent more than 5 hours on the phone with Freedom Mortgage and waited several weeks for them to resolve this issue. 

They have not. 

Today I called, left voicemails and sent emails ... no one is answering or responding. I feel like they are blowing me off and no one is taking responsibility for this problem. 

This is preventing me from refinancing my home and has prevented me from taking advantage of a lower interest rate. 

Are you able to help me get a lien release from my mortgage servicer for the loan that was paid off in 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 2022-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I applied for loan forgiveness for XXXX University and XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX was part of a lawsuit and lost, I was told that I qualified for loan forgiveness as I fall into the category of the lawsuit. When I call to check on my application I always given a different timeframe, first I was told 30 days, then I was told 3 years, and the last phone call I was told by the end of XXXX or XXXX I would have an answer. Every time I call I'm told something different and I don't know what to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
We were the victims of fraud, as we fell for a fake loan and used XXXX to transfer funds to the scam artist. US Bank has blocked access to our account, and also is trying to collect on the difference, causing us to look elsewhere for a bank. US Bank has never asked for the emails, phone numbers, contact info, etc. and this has ruined our ability to qualify for many financial services. We were also placed in a situation where we were not able to pay our bills as well. I have tried MULTIPLE TIMES to contact the Fraud Investigation Department, but without result. This has been a very stressful and financially horrible experience.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
LexisNexis has over 80 pages of information about me. They are reporting things going back over 20 years. I've called them many times to remove anything from inaccurate addresses to outdated information. The most recent would be they reported an " at fault accident '' on XX/XX/2022 in which I was not at fault. I was made aware when I was searching for auto insurance for my new car last week. I was quoted at rates being hundreds of dollars more than what I should be paying. If it wasn't for LexisNexis/XXXX reporting that untrue info I would have a descent rate. Is that normal to have over XXXX pages of info on just one person especially when most of it is false? I did call them today and they tried to say that they have me as " not at fault '' but why report anything about it? I believe they only said I'm not at fault because I called them and confronted them about it. XXXX XXXX was not the only insurer that told me this, XXXX told me as well. So I don't believe what they told me over the phone they are lying trying to protect themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a call from my stepson. He had received a call from the following number XXXX. The caller told him they were trying to get a hold of me and that I had missed a " court date '' and that I was in trouble and that I was in contempt of court and was going to be arrested. 

I called the number and got routed to an individual who said he was with XXXX and XXXX and he was a paralegal. He asked me the number they called, I gave them my stepson 's number and then he asked me if my social security number ( which he proceeded to state ) was correct. I said yes that it was my social security number. He then proceeded to tell me that a process server called me and that they were going to garnish my wages, and put a lein on my property ( in which, he then proceeded to name off the address for my house ). 

I then asked him why and he said that it was for a " Citibank card from XXXX, '' then he " no from XXXX '' and then said, " from XXXX or XXXX. '' He then stated I owed over {$4000.00} and that they would settle for {$2100.00}. He asked me if I was aware of the debt. I told him no I wasn't aware of it. I then stated that the debt likely wasn't valid and regardless, the statute of limitations had run out. He then stated " there is no limitations, we are going to garnish your wages and going to put a lein on your house in XXXX XXXX, the County will be sending you that .... keep running... go ahead keep running. '' At that point I wasn't going to be harrassed any longer and just hung up the phone.

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 2022-05-18 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 non-monetary relief
Consumer complaint received 2022-05-18 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 2022-05-18 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: TX

Complaint narrative:
I received my credit report earlier this year via ( XXXX and XXXX ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to XXXX, XXXX, and TransUnion to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and XXXX, TransUnion, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just XXXX ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses. 

As Well as my DOB just being reflected as a year and not a month and date. ( just XXXX ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.

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