vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
My mother, who passed last XXXX, was on the deed. My step-father, XXXX XXXX XXXX XXXX was not on the deed. I am the executor of my mothers Will. 

The previous loan servicer, XXXX Mortgage, was in the process of adding my Step-father to the mortgage as the Eligible Non Borrowing Spouse through the Mortgage Optional Election assignment program. 

The loan is now being serviced by Compu-link corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX We received no notice from Compu-link Corporation concerning this reverse mortgage or having my step-father added as the Eligible Non Borrowing Spouse. The only notice we received was from XXXX XXXX XXXX XXXX of XXXX, VA stating that the house will be going into foreclosure and is scheduled to be foreclosed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I settled this Debt with Colonial Auto Finance and it was agreed after settling for a lesser amount it would be removed or marked as paid in full. However much like their vehicles they conned me again with their broken promises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I settled this Debt with XXXX XXXX XXXX and it was agreed after settling for a lesser amount it would be removed or marked as paid in full. However much like their vehicles they conned me again with their broken promises.

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 2023-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my claim is with the bank of america with them i have my account personal more than 4 years ago in XX/XX/XXXX I opened the business account and on XX/XX/XXXX, I deposited 4 unendorsed checks, the bank contacted me by telephone to request the details of who the check was addressed to. I gave it to them and in the end they told me that it was not possible to deposit the money in my account and that they returned the money to the account that generated the check, but they did not, so they deposited the funds and I assumed that they had corroborated with each of the parties, two weeks passed and when I went to make another deposit I could not enter the mobile application. I went to the bank and they told me that they had closed my account but that the money would arrive in a check at my mailing address. The total was {$6800.00}. They only sent me {$100.00} and told me that I had to wait 90 days for the person who generated the check will not claim the money because he also has an account with the same bank, the 90 days have passed and there was no solution so who generated the check, who in turn is my boss, went to the bank to claim the money they took from his account and He never reached mine, they confirmed his profile and told us that the money was returned to him in 2 weeks, 60 days have passed and they have not returned the money anywhere, on the contrary, the thieves who are working with other people 's money without authorization are the bank of america

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 2023-07-17 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: OneMain Finance Corporation
State: CO

Complaint narrative:
In XXXX of XXXX  a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with OneMain Financial prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general XXXX XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except XXXX. I resubmitted and they were still denied. OneMain said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though OneMain admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TekCollect Inc.
State: NJ

Complaint narrative:
TekCollect send me a letter for collection of medical bill. 
I call back to respond on the collection letter. Debt collector ask me my information to verify and it was verified correctly. 

Then after Debt collector was questioning about some other information with different birth date and trying to share the information. I stop to go further that information. However, debt collector keep going asking more information in reference to other individual. At the end the Debt collector was keep talking about can not dispute and other things and hang-up phone. 

This complain is warning against disclosing information to third party to collect debt. This is serious matter in debt collection practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HomeTown Lenders, LLC
State: MD

Complaint narrative:
My wife and I applied for lending with Hometown Lender XX/XX/2021. We were initially approved for XXXX. We begin to make offers on homes and asked if we could go higher than XXXX. We then begin to get pre-approval letters for as high as XXXX. We finally had a home under contract on XX/XX/2021. We were scheduled to close on XX/XX/2021. On XX/XX/2021, it was determined that we did not have the necessary DTI ratio or the cash to close. Instead of issuing us a loan denial the hometown instead " somehow.. Excluded '' our credit card from our DTI ratio and tried to force us to sign a seller 's concession. They lied to the state regulator about who asked for the seller 's concession and admitted that they knew this would cost us our XXXX. They recommended we get an attorney, which we did, and they never responded costing us more in attorney fees. After the complaint was file with the state regulators they shut down their entire practice in the state and still admitted no wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

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 explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-17 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX suggest I should apply for Bank of America card for a balance transfer. I applied, complete with the balance transfer information ( account details ) and was approved. The transfer was going to XXXX XXXX before my mother started receiving high fees. She is elderly, low income and had this debt to pay for dental repair. 
I received several emails welcoming me to BOA, then finally a statement not showing the transfer. My mother XXXX  XXXX XXXX XXXX watching and waiting for this bill to be paid. 
XX/XX/XXXX, I spent more than XXXX hour on the phone with BOA confirming my identity and trying to find out what happened. The person claimed the address must have been wrong on the first transfer, offered to cancel it and do it again. ( I was never notified that this transaction had failed and no mention of it on online banking. I was grateful I called as my mother was feverishly concerned about the upcoming XXXX XXXX deadline. I double checked the information and resubmitted the balance transfer in which was successful and I received an email. My mother contacted XXXX XXXX and they kindly granted her an extension. 
A week later I received a letter that BOA suspected fraudulent activity on my account and suspended my card. The date was XX/XX/XXXX, the same day I spent hours on the phone correcting this. 
The transfer never made it and my mother can not buy groceries because of this. 
I called BOA today, XXXX, and was hung up on. I confirmed my identity, asked the person to help and he refused without a reference number. I quickly looked at my paperwork and gave him the reference number. He told me to go into a branch of the bank. I dont live near one and asked for a supervisor. He told me no and that he was terminating the call. 
This is the most heartbreaking, frustrating and misleading experience I have ever had. 
I have never received anything regarding the balance transfer that was initiated on XX/XX/XXXX and was hung up on by a bank representative when I tried to figure it out. I need help to make this right.

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 2023-07-17 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:
The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the XXXX data breach claim and remove the following accounts and inquiries 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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally request that XXXX XXXX immediately cease and desist from reporting any information regarding Account # XXXX to any consumer reporting agency, as defined by the Fair Credit Reporting Act ( FCRA ). This letter serves as an official notice of my intent to exercise my rights under the FCRA. 
As the account holder, I assert that the information related to Account # XXXX should no longer be included or reported in my consumer report. I am invoking my rights as outlined in the FCRA, particularly under Section 623 ( a ) ( 7 ) and Section 623 ( b ) ( 1 ).

I hereby demand that XXXX XXXX refrain from reporting any information about Account # XXXX to any consumer reporting agency, including but not limited to Equifax, XXXX, and XXXX. This request is made in accordance with my rights under federal law and regulations. 
Please acknowledge receipt of this letter in writing within 10 days from the date of your receipt. Furthermore, please provide written confirmation that you have taken the necessary steps to comply with my request and that no further reporting of Account # XXXX will occur. 
Failure to comply with this cease and desist request may result in legal action, as provided for under the FCRA. I trust that we can resolve this matter amicably and without the need for further escalation. 
Thank you for your immediate attention to this request. I expect a prompt and satisfactory resolution. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXXXXXX XXXX On XX/XX/2015 it was a buy here pay here lot XXXX XXXX was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX of XXXXXXXX XXXX keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXXXXXX XXXX. On XX/XX/2015 it was a buy here pay here lot XXXX XXXX was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.

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 2023-07-17 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: AR

Complaint narrative:
I have called both XXXX XXXX XXXX and Hunter Warfield multiple times in the last XXXX months. Hunter Warfield said on the phone that I could email my police report for identity theft to them, and then they would file this debt as fraud. I emailed them the XXXX, Georgia police report number and police department online records address on XX/XX/XXXX. They never replied back. I recently received a letter they called " verification of the debt ''. In the letter my social security number, name, and birthdate were stolen and used on the account, but ALL the other information the thief used is not related to me, including the thief 's ID ( from New Jersey, mine is not ). There is even a signature that is just a line ( no letters ), and obviously not mine. I have a distinct signature. Hunter Warfield threatened today, on the phone, that they would try to put it back on my credit report ( which I already had it removed from once ) even though they are aware this is identity theft. The debt is for {$330.00} an application fee for the apartments at XXXX XXXX XXXX. XXXX XXXX XXXX did not rent the apartment to the thief because they could not prove their identity to them ( social security card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-07-17 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: FL

Complaint narrative:
I have attached an FTC report with an account and fraudulent unauthorized inquiries

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 2023-07-17 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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