vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
COLLECTION MANAGEMENT put a fraudulent debt collection on my credit report for {$1200.00}. I havent went to anything medical for this debt to be accurate. the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have already tried to do this before with a different 3rd party debt collection company that i made a complaint on here about and it turned out to be fraudulent and it got removed from my credit report so theyre trying to do it again. I have XXXX knowledge of either of these companies.This needs to get removed from my credit report IMMEDIATELY. COLLECTION MANAGEMENT address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Deal Services is in violation of the Federal Reserve Act Section 2. It states that the application for Federal Notes the collateral security can ONLY be drafts, bills of exchange, notes, etc with that being said why did Wells Fargo dealer Service require me to make me sign over security interest to my real property while my actual application is what is being used. This financial asset that Wells Fargo Dealer Services took position of is my registered security in which I went in and trusted Wells Fargo Dealer Services to do the right thing they have not. Not only have they repossessed my car and FORCED me to pay in XXXX notes to retrieve it back bit they also have deposited this note so that the interest pays out over time in a pool of other notes together. By these very acts that makes me an investor entitled to equitable relief which would settle the alleged debt. 
XXXX. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.

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 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe this account was opened back in XXXX Im not to sure but this is identity theft and i want this removed i did not male these purchases and i do not owe this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have an American Express Serve card. ( Prepaid ) On XX/XX/XXXX at XXXX XXXX  I loaded {$400.00} cash in {$20.00} bills at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Utah XXXX 

I used the Amex Serve app that is connected to the card and added money using the barcode that appears when I chose XXXX as the retailer location. 

The transaction went through and I got XXXX transaction receipt and a XXXX receipt showing the activation or approval for the prepaid reload. 

I also got the XXXX mgr to provide proof that the transaction wasn't voided. I have that printed out as well. 

I called Amex at XXXX XXXX times at least. I spoke with their XXXX dept where they kept telling me to call back later and to wait for the transaction to post. Even though its advertised to post immediately. They could not find any transaction reloads for XX/XX/XXXX. They said they could not open a dispute without some type of record. I finally got them to open a dispute and gave me an email of XXXX to send them receipts. But all the emails were undeliverable. I called back to make sure I got the right email but the rep stated that there wasn't a dispute open for that card. The call then dropped. I didn't get a call back so I called back again,. the rep stated that the last rep did create a dispute and gave me a dispute number. I can provide that if needed. But, each rep seemed to be putting me off. I asked about the receipts and they stated I would receive an email from them with directions on how to upload the receipts. I still have not recieved an email from them. 

On the XXXX I also called XXXX Customer service and spoke with a manager or someone from their accounting or financial dept that stated that they could not help unless it was a XXXX prepaid card, and even if we filed a dispute they would just send an inquiry to the XXXX XXXX card. 

As of today XX/XX/XXXX at XXXX I still have not recieved the funds in my XXXX  account or received the email from Amex XXXX  about the dispute and how to upload info. I feel like neither company is wanting to address this and that I will not get the money deposited to my account. 

I have loaded several times from XXXX and the money shows up immediately so I know the Serve app works and I feel like this is an issue on the XXXX side primarily, but, I can't be sure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 o 4 a section 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please correct or remove the following payment history ( s ) to either paid on time or delete the entire account from my consumer report without reentry XXXX Correct as Paid on time or remove from report XXXX Account is being reported as 0 % paid, This is a big error that is being reported, I had this account since XX/XX/2022, Account has been paid on time monthly. Please remove from consumer report. 

XXXX I do not own or have any knowledge of this account- Pleasr remove from my consumer report XXXX do not own or have any knowledge of this account- Pleasr remove from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corporation received my application and it was deposited into their financial institution in which it is recorded as an asset for Credit Acceptance Corporation. The goods I purchased that day in good faith and exchanged my signature which is the estate property along with the identification number issued by the social security administration. The note gains interest monthly and has a payout date of maturity in 10 years or less. The note has been sold and has earned as of XX/XX/2024 just over XXXX XXXX dollars and this security is the estate property and the goods have been seized even though Credit Acceptance Corporation knowingly should have applied the equitable interest from my investment to the account for settling. I do believe Credit Acceptance Corporation has violated international commerce laws, security trading laws, and committed tax evasion.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
As of XX/XX/XXXX I have have made numerous complaints to Transunion about inquires reported on my credit report that wasn't requested by me instead of removing them they Sent me a letter stating their information is correct. I made reports about inquires on my credit report and once again they refuse to remove false reporting. TransUnion replied to my complaint from last year to inform me that I'm a third party. I've sent TransUnion my Drivers license and also uploaded a copy to CFPB due to TransUnion telling me they never received my mail. This is Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. These are the fraudulent information TransUnion refuse to remove. Once again I request and investigation to have this unauthorize inquires removed from my credit reporXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA 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 2024-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CMG Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX  and CMG Financial dba CMG Mortgage forced a sale on my estate family home. XXXX XXXX  received my mortgage application and it was deposited into the bank. The mortgage note/promissory note is what is the security that is really being used and Statewide Mortgage did not disclose this nor did they state the estate was NOT required to pledge the family home as repayment when the Federal Reserve says National Banks are barred from doing this very thing. 

CMG Financial was transferred the note months later and they took possession of the note that was tied to the contract between the estate and XXXX XXXX. The note pays out interest monthly due to it being pooled with other notes and sold. This note has been sold over 200 times and made millions while XXXX XXXX  and CMG Financial have made monetary gain from my estate financial asset they have not compensated me nor did they apply the equitable interest from escrow that would have settled any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate the effort you have invested in addressing the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there remain items that require removal. This marks my third complaint, underscoring my unfortunate status as a victim of fraudulent activities. I have submitted this complaint to contest the presence of these items in my file, a direct result of the criminal activity. The items in question have no association with transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, as outlined per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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 These items are unfamiliar to me. Furthermore, the information provided on these items has been deleted from other bureaus, casting doubt on their accuracy. The reported history date on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good evening, my name is XXXX XXXX and I'm filing this complaint because this the 3rd time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau have not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer is being violated, Im the Victim in this situation and I can't even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action.

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 2024-02-03 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: DE

Complaint narrative:
I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX  and XXXX XXXX XXXX  on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.

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 2024-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I paid for an appraisal to be completed on my house to see if I could have the PMI requirement from my mortgage reviewed. On XX/XX/XXXX, I received a letter indicating : The valuation ordered does not support the property value necessary to meet a 80 % Loan to Value ( LTV ). 

On XX/XX/XXXX, I reached out to XXXX with the following message : Hello, We received word that the PMI removal request was denied, but Id like to know the value for our house that was provided by the agent. 

Please advise. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I received a reply from the servicer : Dear XXXX, We have forwarded your concern to the appropriate department for further review. Please allow up to 10 business days for review to be completed. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX to XXXX XXXX ET Saturday : XXXX XXXX to XXXXXXXX XXXX ET PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After that, I did not receive any further reply, so I again emailed on XX/XX/XXXX with the following message : It has been far longer than 10 business days and we still have had no communication. 

We have paid a representative of your company to value our house- we are entitled to know this value and it should not take 30 days to receive a response. 

Please escalate and provide an immediate response XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not received any reply to this date, and they have had nearly two months to provide a simple valuation of the house as it was appraised. 


I believe PHH Mortgage Services is withholding this information because it is to their benefit to do so, and perhaps the amount was truly enough to cancel the mortgage insurance.

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 2024-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
three different collection notices on my credit report from consumer adjustment company. this is a debt collector that calls about a previous XXXX XXXX  membership that I had signed up for and stop paying for due to XXXX and other related issues not once did I enter my Social Security number when I signed up for my membership yeah, I have three different dings on my credit report from this company. they call they are extremely rude and threaten to get an attorney and sue me. 
XX/XX/XXXX collection, amount {$130.00} XX/XX/XXXX collection amount {$310.00} XX/XX/XXXX collection amount {$300.00} in the agreement that I signed when I signed up for this membership not once did I agree to be stuck in a 12 month membership to where if I were to cancel, it would be put on my credit. XXXX XXXX did not loan me anything therefore when I was offered to put my account on hold, and I said yes, it obviously was not put on hold because when I spoke to the company, they told me that was never there or never documented. These things need to be removed off my credit report because they are falsified information.

Company response to consumer: Closed with explanation