vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MAS Associates, LLC
State: MD

Complaint narrative:
I am under contract for a property located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX effective as of Friday, XX/XX/2022. As part of the mortgage process and due to the volatility of interest rates, I interviewed multiple mortgage lenders one of which was Equity Mortgage Lending and their agent or representative XXXX XXXX. On Tuesday, XX/XX/2022, I made a decision to proceed with an alternate lender and executed their initial disclosures and locked my interest rate. I had no further communication with Equity Mortgage Lending and did not execute disclosures or any other documentation implying that they were the agent I had chosen. Shortly thereafter, I had a home inspection done and continue to proceed towards closing. I believe on XX/XX/2022, my current lender attempted to order an appraisal and became aware that the FHA Loan # was being HELD by Equity Mortgage Lending and requested an immediate transfer. They appeared to respond promptly and indicated that they transferred it to another company in error which we now find to be false. Apparently, they have gone back and forth and received multiple excuses until I became aware of the situation yesterday, XX/XX/2022. Because of the holiday, I waiting until this morning to again ask XXXX XXXX XXXX and Equity Mortgage Lending to release the FHA Loan #. He was clearly upset and verbally berated me for not proceeding to close the loan with his company and said that he " will get to it when he can. '' This is beyond unacceptable and clearly in violation of my rights as a consumer. In my opinion, this is not only unprofessional but I am at risk of not only losing my contract, but also losing the earnest money deposit and the advance fees I have paid to close on my home. Further, as interest rates continue to rise, I may also fall outside of the lock period and suffer additional damages which I will seek to recover if the FHA Loan # is not properly released today, XX/XX/2022. I am asking for your assistance in forcing this transaction and the re-assignment of my FHA XXXX # to XXXX XXXX Mortgage. Please feel free to contact me directly if you require any further documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC
State: TX

Complaint narrative:
I have never been to XXXX Texas or seemed medical attention there. This is incorrect. Also I have XXXX so if I did seek medical attention it would be paid by the state. So something is not right. Also this is the first time I've heard about this. So we need to resolve this immediately. So if it's identity theft I can do what I need to to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. This company stated in a claim that the account in question was sold off at auction and a Explanation of Calculations of Surplus or Deficiency was sent. This is not my debt nor have I every received any of the letters they say were sent. I am requesting that they provide me with Legal Documentation of this NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed. I stand on my original statement that this is not my debt. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. 

The statement below is the statement that was issued during my last attempt to reconcile this issue. 

On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( XXXX  ) letter to her address on file. The XXXX letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers 1st account is XXXX XXXX, XXXX account is XXXX bank XXXX, and XXXX XXXX XXXXXXXX have 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 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 2022-10-11 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Default and Opportunity to Cure To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX XXXXXXXX XXXX I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that financial institutions like Atlanticus Services Corporation, and ThXXXX XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ) use against Consumers like myself. 

According to the information added to the account, I noticed that your financial institution added the comment Dispute resolved - consumer disagrees. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant Atlanticus Services Corporation, The XXXX XXXX XXXXi ( ASPIRE CREDIT CARD ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution Atlanticus Services Corporation, The XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ), failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions Atlanticus Services Corporation, and The XXXX XXXX XXXX XXXX ASPIRE CREDIT CARD ) decide to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
My prospective employer uses a XXXX  named Sterling to run background checks on new hire candidates. I signed electronically on XX/XX/22 giving permission for them to proceed with background check. On XX/XX/22 I received an email from Sterling that it was complete. Between XX/XX/22 and XX/XX/22 I've sent at least 9 emails requesting a copy of my full report and I still haven't received it. The representatives act like I'm requesting something that's impossible to get. Please help 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 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
there is an unauthorized credit enquiry by XXXX XXXX  on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have disputed an item on my credit report ( XXXX XXXX XXXX XXXX ) in XX/XX/2022. My bank and I pulled a copy of my credit report from TransUnion on XX/XX/2022. TransUnion is in violation of FCRA by failing to include a notation on the account that it is disputed or has been disputed. 

I also requested verification proof of their investigation and they refused to provide that information as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I was struggling to find work at what I was previously making after my layoff in XXXX. Although I paid off this loan, and paid extra late fees they required, some of the late fee payments were late, incurring more late fees. This vehicle has been sitting in my driveway since XXXX needing an engine replacement. I need the title so I can have it towed out of here, but can not seem to obtain it. 

Also - my correct e-mail address is XXXX. I could not find the profile page to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX I called my bank because I had two charges, one I got XXXX for a boxing fight I didn't authorized and the other one was some tickets I bought from XXXX XXXX on XXXX XXXX and on XXXX XXXX I reached out to XXXX XXXX and they didn't want to give a return so I reached my bank Capital to dispute it. All they did was close my account, tell me I don't have access to XXXX dollars I had in my account and hardly want to give me any updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
In XXXX my wife and I discovered massive fraud on our XXXX XXXX XXXX checking account. We researched our account and discovered the fraud all occurred using my wife 's checking account debit card. The card was a XXXX issued by XXXX XXXX XXXX. We notified XXXX XXXX XXXX of the fraud and gave them 12 pages of fraudulent transactions dating back to XX/XX/2022. XXXX XXXX XXXX informed us that XXXX would only allow the XXXX XXXX to refund two months of the charges, which came to about {$3600.00}. We had a total of about {$8000.00} in fraudulent charges so we are out over {$4000.00} still. I called XXXX to try to verify if the the two month rule was correct, and to see if XXXX would do anything to assist with our loss since the charges were clearly fraudulent ( almost all were XXXX XXXX  and XXXX trips in XXXX  and XXXX, we live in XXXX ). I spoke to someone who barely spoke XXXX, she gathered my info, and said she would transfer me to an " Account Specialist. '' Instead she blind transferred me into XXXX XXXX XXXX 's phone tree. I need help without that {$4000.00} we are in serious financial trouble.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
I was behind on my loan with Covington Credit. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called Covington again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with XXXX for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SECURITY FINANCE CORP
State: NY

Complaint narrative:
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: OH

Complaint narrative:
15 u.s sc 1681 602A. States I have the right to privacy.

15 u.s. sc 1681 604A.states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

Accordance with the fair credit reporting act the following inquiries on my credit report violates my rights. Did not authorize inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation