vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
We took a second mortgage out in XXXX for an amount of XXXX. This loan was for our property improvements including fencing, grading, etc. In XX/XX/XXXX. We stopped paying due to the recession and medical bills of our XXXX XXXX. Just a few years later we tried and tried and tried to reach the lender who held the note. 

No one was sending us statements and we could not get any response. In XXXX I met with an attorney and he was not able to locate the holding company of our loan. It wasnt until XX/XX/XXXX that we were notified by mail that our loan had been purchased by Planet Home Lending and that we were in default ( letter attached ) and need to pay the balance due with no payment plan. Then in XXXX less than 1 month later ( attached ) they demanded the {$360000.00} with a {$22000.00} penalty if we didnt pay it by XX/XX/XXXX. 

We contacted them and asked how can we set up a payment plan and possibly refi the loan. They said thats not possible and you will have to deal with the holder of the loan XXXX XXXX XXXX which we were never provided a contact for. Fast forward to XX/XX/XXXX and we get notified by certified mail of NOD ( notice of default ) and that our home will be foreclosed in 90 days at auction. 

How can this be happening? They have provided us no way to to keep our home. 

How can this be fixed or some kind of repayment plan happen? They are trying to destroy us. Please help. This feels like predatory lending tactics. They are providing zero resolution options.This loan was done in XXXX. Is there any protection under Dodd-Frank rules or any other California options ? 

Please note that XXXX XXXX is who holds the money and Planet Home Lending is the servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Referenced letter states I owe the state of XXXX money from alleged incidents that occurred over four years ago. I've been a resident of XXXX  since 2017. This is a fraud and harassment. I would like supporting evidence showing the dates and actions documented in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently applied for XXXX XXXX and the information that was given to them that send me a low amount approval is because of the following. ( One -improper information given to XXXX XXXX of serious delinquency ). I dont have any delinquency on my account and never, its given to XXXX XXXX that I have a serious delinquent accounts and Experian I dont I never had a delinquent account I pay my bills on time why did Experian give delinquent accounts to XXXX XXXX that made them approve me with a low amount instead of a higher amount XXXX XXXX explained to me that Experian gave the reports I dont have delinquency on my account and that is false information

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 2022-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Re : Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. DEPT OF EDXXXX reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. DEPT OF ED/XX/XX/XXXX has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. DEPT OF EDXXXX shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED. 
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If DEPT OF EDXX/XX/AIDVANTAGEdid in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well. 
Per the Freedom of Information Act, DEPT OF ED/XX/XX/XXXX has 15 days to respond. If any of the above information I requested can not be proven or DEPT OF ED/XX/XX/XXXX is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation. 
It is my belief that DEPT OF ED/XX/XX/XXXX is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and unauthorized charge appeared on my cash app prepaid card on XX/XX/XXXX for {$170.00} from the XXXX XXXX then another charge came through for {$350.00} from the same XXXX XXXX XXXX when the second charge came through for {$350.00} that's when I noticed that there have been two different transactions contacted the cash app customer service all they're doing is giving me the runaround they stated that my card was present when the transaction happened which is not true at all I have the XXXX app on my telephone and that card was used as a backup form a payment my phone was lost whoever my apps as well as my credit. I've contacted the XXXX XXXX I was told to call my credit card company did not get no assistance I'll explain that to the cash app customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was in XXXX  for my friend 's wedding on XX/XX/XXXX - XX/XX/XXXX. On the night of XX/XX/XXXX, past XXXX  ( XX/XX/XXXX XXXX ), I made a togo order at " XXXX XXXX '' and made a transaction for {$62.00} when I picked up the food. The next morning ( XX/XX/XXXX ), I found out that I lost my credit card. I immediately checked my bank account and noticed that there is another transaction made at " XXXX XXXX '' with {$260.00}. This one is not a transaction made by me. Soon as I saw that statement, I called the Chase customer service to lock my credit card and reported the {$260.00} transaction as fraud. On the call with the customer service, the customer support representative let me know that it will be removed and I won't need to worry about it. Today, on XX/XX/2022, I checked the bank statement, and found out that the fraud department denied my fraud request recently with a reasoning " you received benefit from this transaction ''. I strongly believe they did not make any action to truly investigate the issue. I am sure there was cctv to prove that I was at the restaurant for only about 3 min to pick up the food which will definitely explain that the later transaction of {$260.00} is fraud. They did not list any of their evidence to prove that I benefitted from the transaction. I also never made any kind of fraud claims, which gives me more validity that I am not making any false claim. If I intended to make a false claim, I could have reported my first transaction of {$62.00} to be also a fraud transaction. But I did not do it, because the first transaction was made by me. I can not accept their rejection reasoning unless they can explain to me what investigation was made and proof of evidence to show that my fraud claim is not valid. I reported the fraud claim the day after the fraud transaction was made, so they had plenty of time to investigate, such as checking the cctv. I wish I can provide more evidence, but they took over a month to investigate and rejected my fraud request and since I do not live in XXXX, I can not provide any documented evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLIANT CREDIT UNION
State: LA

Complaint narrative:
Alliant FCU has continually attempted to collect a alledged debt from me that I am disputing. I am a federally protected consumer and I have reason to believe Alliant FCU has violated my rights as a natural person. I had a consumer credit transaction with them and now they are alleging that I owe a alleged debt on an account that has been allegedly charged off, which the alleged charged off amount is incorrect. They also have admittedly reported private consumer information about the consumer credit transaction to the consumer reporting agencies without my express written consent as required by law. I have reason to believe was done in order to coerce payment on extension of a credit, which is a violation, criminally and civilly and violators shall be fined or imprisoned not more than 20 years, or both. Lastly they stated in communication that they have confirmed that the information they have reported about me to the consumer reporting agencies was accurate. Therefore I am requesting the details on how they verified that the alleged debt was valid. What means they took, who they spoke to, what dates, and what was the communication details of those actions ( what was said or done ). I am simply asking them to provide proof that they have not committed fraud against me. If they can not provide that valid proof then I demand remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inaccurate late payments have been placed on my account by Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA

Complaint narrative:
Lender : XXXX XXXX XXXX XXXX Servicer : Amerinat I have made all payments on time and I no longer owe anything on XXXX XXXX XXXX mortgage loan. 

I requested a loan payoff amount about a month ago and have not received anything. 

My last check on the loan of {$62.00} was cashed but the amount is not reflected on the online account information. 



Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX ...., TRANSUNION XXXX XXXX XXXXXXXX XXXX account XXXX XXXX ... XXXX account # XXXX 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 2022-07-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, EXPERIAN XXXX XXXX XXXX  XXXX account XXXX XXXX ...., XXXX XXXX XXXX XXXXXXXXXXXX XXXX account XXXX XXXX ... XXXX account # XXXX 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 2022-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 2022-07-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. 

The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus
. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF XXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX
No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXXL ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX 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 states that a consumer reporting agency can not furnish an 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 2022-07-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report was accessed without my permissible permission in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have requested a signed and dated copy of the permission from both of these companies but they refuse.

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 2022-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft 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 2022-07-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Re : Account XXXX : XXXX I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. NelNet reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. Because no consent was made, this is a form of fraud/identity theft. NelNet has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. NelNet shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED. 
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If NelNet did in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well. 
Per the Freedom of Information Act, NelNet has 15 days to respond. If any of the above information I requested can not be proven or NelNet is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation. 
It is my belief that NelNet is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?

Company response to consumer: Closed with explanation