vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

INNOVIS is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - INNOVIS is civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Sigue Corp.
State: NY

Complaint narrative:
on XX/XX/2021 around XXXX - XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX rejected my transaction of money remittance of {$190.00} to XXXX XXXX XXXX . According to male customer representative, his screen is displaying my name, address, and phone number with - Blocked for Remittance. For XX/XX/2021, money remittance has reached {$60000.00}. 
I gave XXXX rep this info : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX XXXX I called Police Precint XXXX. Detective asked for screen print with the 'Blocked for Remittance ' message. 

I came back the next day, XX/XX/2021 with XXXX XXXX. XXXX submitted the same transaction of money remittance of {$190.00} to XXXX, and the transaction went through. Confirmation Number = XXXX. Cashier = XXXX What happened next is a conversation, and there is no paper trail. I asked the female customer rep for the screen print - when using my name, address and phone number. But she declined. She called her Main Office, and allowed me to speak with XXXX ( or XXXX ). Main Office was asking for my phone number. And I said I would provide the phone number. Will you allow your lady customer rep here to give me the screen shot? And XXXX would not commit to it. She keeps saying that she has to check their system. After going around the same line of conversation, I decided to leave, without providing my Phone number. That is because, they would not give me the computer screen shot the detective asked to get. Also, providing my phone number may just aggravate the situation. 

Please help in clearing the fraudulent use of my name, address and phone number in XXXX XXXX XXXX. 

According to the receipt XXXX received from his remittance, the company is called XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX, with telephone # = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Debt was with XXXX XXXX XXXX XXXX ID. I already paid this company XXXX to XXXX dollars. However they kept saying they needed more time. They needed to do more applications. After 5 month of this I was fed up. I paid their first fee of XXXX or XXXX. With no results. I had renters bothering me daily. So I called up XXXX and had them come out for about XXXX dollar and they finally took care of the issue. XXXX however says I still owed them XXXX dollars. Which I refused to pay since they did not take care of my issue. They then put a XXXX dollar fee on to the XXXX making the sum XXXX dollars. Or XXXX. I forget. XXXX XXXX XXXX has now sold the debt it appears to Advantage Finacial Service XXXX. They have now said the past bill was XXXX, and they are now charging interest bringing the bill to XXXX. As far as I know collectors can't charge interest. Even if they buy out the debt. I WILL NOT PAY ANY ADDITIONAL SUMS on this since they did not meet their obligations of getting rid of the pests.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with XXXX XXXX to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I was not late on this account when it was opened in XX/XX/XXXX, it shows on my credit report I was late in XX/XX/XXXX 30 days and XX/XX/XXXX 60 days. In XXXX it shows 30 days late in XXXX and XX/XX/XXXX.I reached out to company several and they have not updated my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021 I entered a branch location of Bank of America to apply for a XXXX after physically speaking with two representatives I was then handed a phone to speak to a third representative NMLS # XXXX. At this time we discussed HELOC options. I told the loan officer I think my home was wort XXXX and he said if it appraised for XXXX I would be able to open a line of credit for just over XXXX. All the numbers we discussed were based of a LTV of 80 %. Loan officer also stated that a drive by appraisal would take place and if I disagreed with the value i could request a full appraisal. Two days after application and running my credit I was denied for the loan due to in adequate equity. When speaking to a client rep on why denied i was informed all their HELOC products require 75 % LTV. At this time i was also told a drive by appraisal was never done and I could not request a full appraisal that they would only be using their comps. If I knew up front the LTV requirement was 75 % I would have never applied due to knowing I would not be able to obtain the amount of funds I needed. I have asked the Bank of America to remove the credit inquire and was told they would. Still to this point I have received no communication this has occurred.

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Capital
State: WA

Complaint narrative:
XXXX from Direct Capital called me ( an unrelated party to the obligation ) in an attempt to locate their debtor. When I told him I was not the person they were looking for, he proceeded to tell me that they were attempting to collect on a bad check for this 3rd party that I am not on an account for ( although I am sure they found me via skiptracing as I do know the 3rd party ) I then explained that he was violating privacy laws by telling me this persons business as it was not mine at which he stated that 'he could have his attorney contact him as well ' The number they called me from was XXXX. 

Had he simply asked me to relay a message without disclosing personal information, I would have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Selene Holdings LLC
State: FL

Complaint narrative:
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the 30th of the month to make payment without negative reporting. The Selene finance online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction.

Selene Finance reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime Selene Finance has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: AZ

Complaint narrative:
Lender/ Serving Department of loan is not providing mortgage statements since XX/XX/2021 and their representative is constantly giving incorrect information. After emailing more than 20 times and trying to call over the last 3 months I am still getting nowhere with the lender.

1. My payment for XXXX and XX/XX/2021 is showing no payment due in the lender system. 
2. I can not access my XX/XX/2021 and XX/XX/2021 mortgage statements. 
3. I reached out to the lender to get information about my loan balance for no additional information was provided other than showing in the system. 
4. On XX/XX/2021, I received an email from the lender that I have no payment due for XXXX. 
5. On XX/XX/XXXX I received an email from the lender stating my first payment was due XX/XX/XXXX from the same representative. 
6. No-One is calling me back or the lender repentative declined to connect to their manager or supervisor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
Hi I sent M & T bank a right of recession notice and they are telling me they cant send me the proper form or disclosures. They informed me that I have to print it out or contact a lawyer. I was miss informed about the proper disclosures of a credit transaction and they have collected {$500.00} each month from me. And according to 15 usc 1635 they where suppose to respond within 20 days and return any money or property following rescission and I havent received anything or a respond. I had to call and find out about the information I disclosed. The contract they sent was very hard to read I had to send copies in different directions

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 2021-10-04 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: VA

Complaint narrative:
I called the company and they couldnt find any documentation of my hard inquiries and informed me to contact equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
XX/XX/2021 my PayPal account was hacked. someone made 99 payments to come out daily of XXXX on both my credit card and debit card. I have been fighting with my credit card company and PayPal to get this resolved and they are not assisting me instead pay pal has locked access to my credit card including accessing my credit card account to make payments on the remaining balance I have on the credit card. I have gone to the post office and received the fraudulent tracking number PayPal is trying to say that was mine and that it went to my home address which is incorrect, the address shows a different address in XXXX XXXX NM. So now this account is in Collections because they are not assisting with this I have spoke with supervisors over and over and 2 supervisors have stated they would remove this off of the account yet nothing has been done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

I have previously filed a formal complaint through CFPB against EQUIFAX and they have failed to address their FEDERAL LAW VIOLATIONS. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. 

I have also submitted an affidavit of truth and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX, my account wasn't behind. They sent a welcoming letter sayin to begin making payments. They were aware of the balloon payment. They were also aware of my XXXX XXXX XXXX 's death. They received payments until XX/XX/XXXX and the ending balance then was {$28000.00}. XXXX was asked about a payment history repeatedly ( as was XXXX ). Once asked, Rushmore began foreclosure procedures. That's when a XXXX XXXX XXXX took over. After the foreclosure was stopped, XXXX XXXX and I went to court. Judge XXXX advised XXXX and XXXX to get with their clients and see who the rightful servicer of the loan was. After court, Rushmore sent a letter dated XX/XX/XXXX saying that they wowuld get back with us regarding the rightful services. We didn't hear back from them until XX/XX/XXXX, saying that XXXX XXXX was the servicer of the loan. XXXX XXXX are the same ones that purchased at foreclosure after XXXX said that they bought it at foreclosure. They were contradicting each other as to who was the servicer, but I had been making payments to XXXX. 
When any inquiries were made, the constantly continued to change not only attorneys but also contact information for them. They continued to put the case off. 
Their new attorney, XXXX XXXX XXXX, in not including pertinent documentation relevant to this case. 
Such as my payment history and the agreement for me to continue making payments despite the balloon payment. At no point was a I given a mediator or allowed a redemption period. 

I've been an occupant for 20 years. Not only was I an occupant, I had a Deed plus I had special dual power of attorney. I had an ownership card in the property assessor 's office and making payments on the loan # XXXX with XXXX & XXXX. As both companies agreed with me to pay off the loan. 

They are changing attorneys so fast and selling my loan to the point that it is nearly impossible for me to keep up with the filings. I have constantly checked the court house records because I haven't been receiving information on a timely manner. For example, I had to purchase the recent court document on XX/XX/XXXX from the courthouse and a week later I received the original in the mail. 

I am asking them to provide a run down on were my money was going because I've been paying on the principal and interest. 

I tried paying off sooner with a new loan but I was never given a payoff and the longer I inquired the longer it took for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.

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 2021-10-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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:
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.

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