vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: Trott Law, P.C.
State: MI

Complaint narrative:
Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. XXXX XXXX, The XXXXXXXX XXXX XXXX. and Trott Law. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX XXXX XXXX, the fraud at the XXXX XXXX  and the fraud at Trott Law. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased XXXX XXXX XXXXr. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX XXXX as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of XXXX years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into XXXX dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
They are trying to collect something thats not under my name which I already spoke to them and they said my name and all the information I gave them is not showing on their system. That they have about 60 names like mines with owing a debt but nothing with my information. The collection agency is called I.Q. International Data theyre phone number is XXXX the balance is {$5000.00} for XXXX XXXX XXXXXXXX XXXX XXXX  XXXX This was opened on XX/XX/2021 thats what shows on XXXX XXXX. I have not lived in apartments over almost 14 years, my address does not match what they say. Thank you. How can I send documents or letters of something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MD

Complaint narrative:
On XX/XX/XXXX, I called EdFinancial to request a refund on my student loan balance which had been previously paid off in full ( I have the letters to prove it ). I requested a refund of $ XXXX to correspond with the amount that I would have been forgiven if the Biden student loan forgiveness program had not been blocked. They told me the request had been submitted and that I should see an electronic deposit back in my bank account within 5 months. 

I never saw the money come back in my bank account, however my student loan balance was updated to show XXXX. 

On XX/XX/XXXX I called EdFinancial again to request that the refund request be stopped and for the balance to be reversed back to XXXX, as I never actually received the money. They told me that they had requested a paper check be sent in the mail, which was not what I was told would happen in XXXX. I requested to cancel the check as I had never received it and to reverse the balance. EdFinancial then told me they would cancel the check and put in a request to reverse the balance. 

Since I saw no action being taken, on XX/XX/XXXX I called EdFinancial and I had to wait in a queue where I was quoted a 280 minute wait time. I waited over 5 hours, and then was hung up on. I immediately tried to call back and was given a wait time of 500 minutes which is unacceptably long. I then tried to do the live chat option but the chat was ended by EdFinancial before anyone actually began to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX  NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
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 2023-08-29 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: Possible Financial Inc
State: TX

Complaint narrative:
15 usc 1681a2 stating you Dislike didn't give written permission to have those accounts furnished on your report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: OH

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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
XXXX XXXX @ XXXX and she assured me that my autopay min XXXX for XX/XX/XXXX would come out on XX/XX/XXXX ( XXXX was a sunday ). 

Recieved email the XXXX indicating that my payment was past due Called @ XXXX spoke with a rep who indicated I wasn't set up for Autopay. Transferred to supervisor XXXX and she said " You don't have a late fee, and no payment was due until XX/XX/XXXX. To which I replied that doesn't seem correct, a payment should have come out XX/XX/XXXX. XXXX assured me that no payment was due until XXXX. 

Recieved an email indicating no late fee. 

Recieved an email on XX/XX/XXXX that my payment was still past due. 

Called and spoke with rep who Transferred me to XXXX XXXX, and she explained that bc I made my payment on XX/XX/XXXX ( stmt cycle ends on the XXXX ) that is why my payment didnt come iut as autopay on XX/XX/XXXX. I made a payment of XXXX today, and she assured me that my payment would come out on XX/XX/XXXX. I said " Hold on, I made my payment on XX/XX/XXXX, and my XXXX payment didn't come out, and I am making my payment XX/XX/XXXX, so with that logic it won't come out XX/XX/XXXX '' she said no it will. So if that is the case why didn't my XXXX payment come out?? She says that is different. Asked to speak with sup to which she says " No sup is available, I will have them call you back ''. I indicated I am still waiting for 3 sup calls from XXXX. 

Either the reps don't know what they are doing or they are trying to get more fees...

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 2023-08-29 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
this unknown company is continually reporting fraudulent information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I purchased items from XXXX that were lost in the mail. I notified XXXX immediately who claimed that they contacted the shipper and initiated an investigation, and that they would contact me with a resolution. They never did. I contacted them again and they said they would process a refund but they never did. I told PayPal what was going on under their buyer protection policy, but they resolved the dispute in favor of XXXX. Ive filed numerous appeals but they contend that they will not refund me. They have asked I contact my financial Institution knowing that my item was lost. Unfortunately my XXXX XXXX is saying that when you purchase via PayPal you waive right to dispute because its peer to peer transactions. But I simply made a purchase not sending more to a friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TX

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-08-29 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: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
received repeated phone calls and voice messages from multiple numbers claiming I took out a payday loan for {$400.00} in 2016. I never took out a payday loan in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.

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 2023-08-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A new credit account was opened in my name by XXXX mattress company. 
There is no current amount due or owed. Was created around XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo reports are full of lies and covering up for criminal acts. Wells Fargo tells me they were not there on XX/XX/XXXX, XXXX but take credit to being apart of what XXXX XXXX XXXX XXXX XXXX. They were not a part of it It was the fraudulent act of XXXX XXXX XXXX XXXX. Wells Fargo tells me to go into the dealership to discuss it. Don't they know that is going to create a commotion. Does Well Fargo think I am an idiot? 
Now we all know when a consumer goes into a car dealership to inquire about a car the car dealership ask the consumer to sign every signal page that was show to the consumer to prove that every signal page was shown to the consumer. Yet Wells Fargo did not show that to the Consumer Financial Protection Bureau or me Therefore they are in violation of a impermissible car loan application.

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 2023-08-29 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: Debt Co LLC
State: TX

Complaint narrative:
15 usc 1681a2 stating you Dislike didn't give written permission to have those accounts furnished on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I contacted a Freedom Mortgage credit reporting on five separate occasions regarding my request to withdraw a 30 day late for my XXXX mortgage payment. The first two times, by phone in early XXXX and then again on XX/XX/XXXX via the web portal messaging system, they did not respond. The XXXX, XXXX and XXXX time they responded. I contacted them by letter on XX/XX/XXXX, early XXXX and XX/XX/XXXX, but each time they denied my request. Freedom Mortgage credit reporting policy is that Payments received after the month in which they are due will be reported to the credit bureau accordingly. This policy ignores the month of XXXX where there are only 28 days and a payment received in the XXXX days of XXXX where XXXX full days have not elapsed should not be reported as 30 days late. To provide clarity and precision on the timeline, let me illustrate, the payment due on XX/XX/2023, at XXXX AM, should not be considered late until a full 30 days have elapsed, or on the start of the XXXX day, after XXXX hours have passed from the due hour. The payment was logged as received on XXXX PM on XX/XX/2023, when only XXXX hours had passed, falling short of the threshold for being 30 days late. 

Given the serious nature of credit reporting, every action should be taken for the utmost accuracy. I have tried to resolve this matter with Freedom Mortgage but need help. Their credit reporting practices for the month of XXXX are unfair.

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 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The debtor has been sending legal forms and as a form of protection, I secured a lawyer. Payments were arranged but the debtor sent a motion to garnish my wages adding more charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal and XXXX XXXX  submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation