vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Someone stole my identy and opened this card using my name and social security number. They also used my address and I have received the card but have not activated it. The company will not close the card but have blocked it until I file this report. I never requested or wanted this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-06-23 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-06-23 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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
this complaint for identity theft. I have never given 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 legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they 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 collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
We, XXXX XXXX XXXX and XXXX XXXX, the home loan borrowers for their primary residence home at XXXX XXXX XXXX XXXX in XXXX, California would like to seek either a judgment or a verdict by jurys trial in California Federal or state court due to having suffered deep financial stresses and losses due to illegal actions caused for the past 5 years by our loan servicing companies, XXXX and Selene Finance. They employed illegal methods and actions to default our loan and process to foreclosure our house as well as held us in a loan dispute situation so we could not do any refinancing when the interest rates were low in XXXX, XXXX, and XXXX. Finally, after we had paid total of {$110000.00}, demanded by Selene Finance before XX/XX/XXXX, Selene Finance sent us an updated mortgage statement in XX/XX/XXXX and identified and approved all our 10 missing mortgage payments were all from either Shellpoint or Selene Finances refusing and returning our regular mortgage payments from us from XX/XX/XXXX through XX/XX/XXXX. Selene Finance used its lenders foreclosure threat to collect more than {$16000.00} extra in mortgage payments from us in XX/XX/XXXX and has refused to return the money as of present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems refused to send me a statement about what I owed in medical debt. They stated they didn't have to by law. I am in XXXX XXXX XXXX and I can not renew my student loan without the collection being paid off. 

Therefore, I agreed and paid {$3000.00} with the promise they would send me a letter showing paid in full and that it would be removed from my credit. XXXX advised she would have a letter sent 5 days after the payment was made. I made the payment at the end of XXXX. I called a week later and spoke with XXXX, she promised to send a letter in 5 more days. I still haven't received so I called back begging for it to be faxed or emailed since it has been almost a month now that I have paid. XXXX then states they don't have to send one since they " removed '' it from my credit. 

Now that I have paid, the are REFUSING to send me a letter or receipt of payment. How can you pay XXXX and NOT receive a receipt of payment or notice that the debt was cleared. It doesn't matter to Federal Student Aid if it was removed from my credit. I need the letter showing proof it was paid. Without this I can not continue XXXX XXXX I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have a loan with Planet Home Lending that has been fluctuating through outrageous totals from {$1300.00} to {$1900.00} for a little over two years. From having previous loans with other companies in various cities and states I've come to the conclusion that Planet Home Lending may be operating with nefarious intent of consumer accounts! 

When I lost my job due to XXXX, I was put under the XXXX  policy back in XX/XX/XXXX. I completed the phone interview and online paperwork and was notified I was accepted into the program. A few weeks later I had received notices that I was approved for forbearance into XX/XX/XXXX. Then another approval of forbearance into XXXX and then a final approval until XXXX of XXXX. It should be noted that during this time I paid what I could on the loan, my wife and I both got part-time jobs to survive with XXXX children. When I called in XXXX to inquire about my start-up payments an agent indicated that because I didn't call in XXXX of XXXX, my loan was in foreclosure! 

Is that correct, because I received paperwork in the mail stating that it was pushed back to XX/XX/XXXX. The agent then said the only way to resolve this is to refinance your current loan and add the delinquent payments to the backend of a new loan with a current over inflated mortgage percentage rate. 

Why? 

Was this because I didn't make a phone call back in XXXX? 

But I have a letter stating my forbearance was approved through XXXX with a start-up date in XX/XX/XXXX. 

Are these unruly practices the tactics that PHL uses to take a person 's home or move them into a higher interest mortgage rate? 

After some quick thinking, I exhausted my retirement savings to bring my status current but another problem arose on the account. I was informed a couple of weeks ago that my balance will be rising again to {$1700.00}. I began to inquire, and this was due to Planet Home Lending paying my home insurance twice, once with XXXX and a second to XXXX. However, when I called in XXXX of XXXX, I was instructed by a XXXX  agent that XXXX had already forwarded the documents and XXXX understood that XXXX would be taking over. However, XXXX made the payment to XXXX, thus depleting my escrow account. 

This gross negligence in accounting errors and compliance with the XXXX policy are unacceptable! Therefore, I will be reporting PHL to the Federal Trade Commission and filing an additional report with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Just In the last XXXX years I have been charged over {$500.00} in overdraft fees. I call to get a refund but i only been successful 3 times. Its harassment and there doing it on purpose to make money.

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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: IL

Complaint narrative:
this complaint for identity theft. I have never given 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 legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they 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 collection attempts continue I will file for litigation for actual damages caused and PROFESSIONAL DEBT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/2023, I noticed through XXXX XXXX that Transunion had dropped my score by XXXX points. When I pulled my credit report, there were no negative items that I could contest. I called Transunion and spoke to a customer service agent sho also said she could not see any reason for a decrease, but told me that I would need to review my report and contest anything incorrect. I said Id already reviewed it and asked her how I could dispute it if there were no negative items. She transferred me to a supervisor and he said the same thing. He then transferred me to XXXX XXXX supervisor of fraud customer service. We went through the same circle and she said that paying off my credit cards may have decreased my score. I pay my cards off every month. Their website indicates that reducing credit utilization will improve credit score. When I pinged that out to her, she hung up on me. I callled back and went through the same process, but was connected to a different person who also hung up when I asked what my options were when they could not tell me why my score was being decreased without reason. I was not rude our yelling, but was obviously frustrated. These agencies control my access to good credit terms, but seem to have no accountability or transparency. If the reduce my score and cant tell me what I can do to address it, what options do I have?

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX Have reported to XXXX that I owe them XXXX. I have never took out a rental with XXXX  but they been calling me.

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents.

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
all three bureaus are reporting accounts as credit accounts. Which is a violation of the 15USC 1681 Consumer Law. These accounts are charged off accounts they have been paid to the credit furnishers under the FDIC and are now considered income per IRS Laws.

They are being reported as Credit they need to be removed immediately. I have sent letters to them repeatly but they have refused to remove these 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 2023-06-23 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: IN

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-23 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: TX

Complaint narrative:
I have a credit card from XXXX XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted

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 2023-06-23 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: LJ Ross Associates
State: MD

Complaint narrative:
LJ Ross Associates are furnishing inaccurate and incorrect information to the consumer reporting agencies.15 USC 1681 s-2 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation