vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: SC

Complaint narrative:
I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
I have been trying for over a month to get a correct escrow analysis done on my account. They were using an incorrect property tax ID on my account which was making it look like my property taxes were double what they actually are. The mortgage servicer corrected the ID and made the correct tax payment. However, they are not correctly updating my monthly payment via an escrow analysis to reflect my correct property tax amount. In other words, they keep assuming in the analysis that I'm making the incorrect higher payment. 

Because of this, my monthly payment has almost doubled and I am forced to pay extra amounts into my escrow analysis for no reason. They have, as of XX/XX/2023, incorrectly performed three escrow analyses using wrong property tax amounts. For the fourth one, they had to ask me to give them the property tax bills to prove how much my taxes usually are. This is public information and as my loan servicer it is ridiculous that they can not even figure out what my property tax amounts are supposed to be. At this point, I can not trust anything this mortgage servicer does.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XX/XX/XXXX. 
Midland credit management. 
Amount XXXX Have already paid XXXX XXXX XXXX  almost XXXX XXXX for a debt I didn't owe. 
My identity was stolen from me without my knowledge my XXXX XXXX  used all my personal information to do all these debts. At the time I was married to him I was a XXXX and was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX He took care of the financial matters. I didn't have a steady job. Inspite of reporting to the credit bureau XXXX XXXX and XXXX, I still am repeatedly harassed by getting letters in the mail that I owe all this debt .and phone calls asking to verify my personal information.my credit has been affecting me to even rent a place to live. I am a single mom trying to take care of my child with needs and can not hold a full time job because of XXXX XXXX XXXX XXXX XXXX

I barely pay my bills with my part time job XXXX hours a week. I have no family or any support. 

In XX/XX/XXXX. My identity was stolen by a scammer online pretending to be an XXXX customer service representative.stole my identity this was reported to the law enforcement agency in XXXX XXXX WA. 
The reference number for the police report is XXXX. 
And for the identity theft reference number is XXXX. 

Please help ASAP. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/22 I received a letter from Resurgent Capital Services on behalf of LVNV Funding LLC demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KEYCORP
State: OH

Complaint narrative:
The US bankruptcy court granted to re-open my case in XX/XX/XXXX. XXXX foreclosed in XXXX by Keybank due to XXXX XXXX XXXXXXXX misrepresenting the mortgage services process. XXXX XXXX XXXXXXXX used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, XXXX. On XX/XX/XXXX, the loan bankruptcy XXXX the mortgage debt. They used deception through us a mail and by documents provided through XXXX  XXXX XXXX. On or about XX/XX/XXXX, XXXX  XXXX XXXX used an XXXX title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy dischargeXXXX XXXX XXXX XXXX worked with XXXX mortgage services to hold an escrow account for KeyBank National Association for the government-approved crisis funds. The document Save The Dreams reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. The Chapter XXXX bankruptcy experience an undue hardship ; tXXXX XXXX XXXX XXXXy XXXX debt. Bank XXXX XXXX took advantage of me during the crisis and failed to satisfy the liens after they brought out XXXX Mortgage XXXX. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXX that assigned KeyBank National Association as the bank to be an indirect mortgage holder for the XXXX XXXX  XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, 1003 Fannie Mae application mortgage servicer which, name as XXXX XXXX XXXX  and agreement was no assumption of the loan, XXXXk XXXX XXXX used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
In late 2022, our home mortgage was sold to a new company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/2022 I registered for a new account with RoundPoint and received a confirmation that my account was set up, and I was able to pay my mortgage online in XX/XX/2022. 

Starting in XX/XX/2022, the site no longer recognized my password. I attempted to reset it and have a password update link emailed to the email on file, but the reset links never arrived in my inbox. Since XX/XX/2022, I've emailed RoundPoint numerous times, asking for help in resetting my password so that I can access my account information. I never receive a personalized response. Each time, I receive an automated email response saying that they've reset my password and providing a new one, but each time I attempt to use the new password, it isn't valid. 

If you try to call RoundPoint 's customer service phone number, it's impossible to reach a human being to receive help. I've tried numerous times to navigate the automated touchtone phone menu, but each time I receive automated information. 

The only way I can pay my mortgage other than mailing a check, which I'm not comfortable with, is to use their pay-by-phone automated system, which is time-consuming and not customer-friendly. 

I would like to lodge a complaint against RoundPoint for shutting me out of my account and refusing to speak with me about my mortgage account access issues

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 2023-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
This company operates illegally in XXXX. They do not have a license to lend here, which they have admitted. They charge illegal interest rates far above what California law allows. Their contract states you pay one amount, yet they charge you another. Their contract states you owe one amount, yet you actually owe another. Their contract states you've paid one amount, yet you've actually paid another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
ACCOUNT WAS NEVER AND CLOSED IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax, This complaint is in regards to many inaccuracies on my Equifax credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incidence with proof Please have these corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: SC

Complaint narrative:
I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.

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 2023-01-09 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: SC

Complaint narrative:
I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission.

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 2023-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My best friend of 30 years left me a payable-upon-death account. XXXX XXXX  on XX/XX/2022. Wells Fargo placed over XXXX in my checking account in XX/XX/2022. This money represented the amount payable to me in the payable-upon-death account. Six months later, in XX/XX/2022, they took the money from my savings account without any notice to me. 

I had relied on that money for six months. During that time, I spent some of the money on a new home in reliance on that money. 

Wells Fargo 's position is that this money was taken away from me pursuant to a request from the Department of Treasury, and that I " should call the Department of Treasury ''. 
It is fundamentally unfair for Wells Fargo to let me rely on this money for six months and then take it out of my account without notice. They will not do anything to take responsibility for their mistake.

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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
This debt was settled as of XXXX XXXX for the amount {$1200.00}. This information has not been reported to the three credit bureaus and showing as account in collections. This has caused my denial for housing and also trying to obtain personal loan for my bank. I want it to reflect the accurate information.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a XXXX XXXX  credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX XXXX  has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.

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 2023-01-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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