vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
This complaint I'm wanting to file is about our mortgage company, Rushmore Loan Management Services. Our home was damaged in XXXX of 2020 and we had problems with our insurance company paying out for our damages. We had to hire a PA to work on our behalf. The process took almost 2 years. We sent all checks received to our mortgage company. We sent in our estimate from the contractor we hired to do the repairs. Our mortgage company sent us a check for {$40000.00} to get started on the repairs. After the repairs were completed we sent in the paperwork they required to get the remaining funds to pay off the contractor. We sent in what they asked for. They ordered an inspection and that was done virtual. The inspector said repairs were 99 % complete. After we completed the 1 % of repairs needed they sent out another inspector, this was done live. After they received the inspectors report they started saying that we needed an updated insurance estimate before they could send out the remaining funds. We have called our File owner XXXX multiple times and it has always been a different excuse every time. He takes weeks before he ever returns our calls and then he said we have enough money in damage funds to pay off our mortgage. I told him that we are not interested in paying off our mortgage because we have no problem paying our mortgage. We are just trying to get the funds owed to pay the contractors. Our home was insured with XXXX and the company has been liquidated after the hurricanes Laura and Delta so they no longer exist but he keeps insisting that we get an updated insurance adjusters estimate when that is not possible. It has been over 5 months now that we have been having problems with them releasing our funds. We keep getting excuse after excuse. I really believe that our File owner XXXX has no knowledge of his job at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I'm sending you 2 different documents from 2 different companies an i have no idea who they are or the item/s there trying to collect money for when i don't anyone for anything an as far as that goes i haven't used my maiden last name since i got remarried so yeah i don't know these XXXX 's XXXX on top of that i DONT have the money to pay them back I'm NOT rich an I'm NOT making that money any XXXX way!!!!????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: IN

Complaint narrative:
Before my mortgage was sold to another company in XXXX, I had a MASSIVE issue with Paramount Residential Mortgage Group. First, In XX/XX/XXXX, I was notified via mail that my home insurance had expired and I needed to update with new policy information. I called PRMG to figure out how to get it sorted out, and they told me that they would handle the renewal and there was nothing for me to worry about. So I went on not worrying about it, and my payment never changed. In XXXX of XXXX, my loan was sold to XXXX, and they did an escrow analysis. My payment had jumped up almost {$300.00} and I had no idea why. It took my almost 2 weeks to get through to them to find out, that PRMG had paid for XXXX twice, and I never knew about it. XXXX charge on my escrow account for {$1300.00}, and XXXX charge for {$1600.00}. When I called PRMG to figure out what the XXXX charges for, they gave me the policy that covered from XX/XX/XXXX - XX/XX/XXXX for {$1600.00}, but refused to tell me what the {$1300.00} is and continued to tell me that I needed to provide proof of a policy or they would not reverse the charge. I called back 5+ times to try to explain that it was a mystery charge, and they continued to tell me that I needed to provide proof for both payments to be refunded, and each customer service rep I spoke to tried to argue with me and were very non-helpful and even rude. I have been abused by this company and cheated. They took {$1300.00} from me, and there is now a $ XXXX shortage in my escrow account. I am at risk of not being able to pay my mortgage and I am at a loss. I don't know what else to do and am looking into filing a lawsuit, but it can be expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
In XXXX I received a letter from a debt collector indicating I owed money. After requesting information about the specific loan and creditor, I learned the loan was from XXXX XXXX  XXXX, XXXX from 2021 in the amount of {$300.00} with interest accrued in the amount of {$310.00}. The paperwork listed my name under borrower signature ( though it is simply typed and not an actual signature ). The phone number associated with the account is not mine ( as I have had the same number for nearly 27 years ) and once I attempted to call it, learned it was out of service. There are no documents included showing my actual signature or any form of identification showing I was indeed the actual borrower ( no proof of DOB, Drivers License Number, address, or any other specific identifying information ) My credit report does not include an inquiry from this company nor does it show any outstanding balance. I've already contacted the debt collection agency disputing the debt and have a filed a complain with XXXX  as XXXX XXXX  XXXX failed to show any due diligence in confirming the borrower was who they said they were. Furthermore, I never received any communication from XXXX XXXX  XXXX in the course of the 15 months the loan was supposedly open and in default status. If I had to guess it would be because the contact information they were given at the time the loan was opened was fraudulent. It wasn't until it was sent to a debt collection agency that I learned of the loan. XXXX XXXX XXXX will need to seek out the actual borrower and cease communication with me including through debt collectors. I'm not paying a debt I didn't incur and want to know what documents XXXX XXXX  XXXX actually requested prior to lending {$300.00} to someone who claimed to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXXEver since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: FL

Complaint narrative:
global lending services denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
XXXX XXXX is reporting a late payment on my account for XX/XX/2021. Under the cares act, there should be no late payments reported at all because I was affected by covid. 


Please see letter attached!

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 2023-02-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company 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 2023-02-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company 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 2023-02-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX and XXXX, account number # # # # # XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states 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 2023-02-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX and XXXX, account number # # # # # XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
My situation is that the fifth third bank is charging me {$690.00} and I have never had a bank account with fifth third bank. 
The only bank that I have always had has been XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: CO

Complaint narrative:
My account information is not correct. I have not received any new accounting statements. The payoff amount does not correspond with what is online. Asked to speak with a supervisor was told none were available on XXXX I asked to facilitate the process to close my account and have the funds deposited into my account the same one making payments. I was told it could take up to XXXX business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with XXXX the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to SST and the customer service is awful. To be a loan servicing provider and have zero access to speak with a supervisor is very concerning. I was told I could not file a complaint with them that I would need to call XXXX at XXXX to file a complaint. I called XXXX at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate

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 2023-02-21 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: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX  account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate

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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Every year about this time a debt collector contacts me and saying I owe XXXX XXXX XXXX {$10.00}, XXXX. I do this every year and it hurts my credit score. I want it permantly fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: TX

Complaint narrative:
I co-signed for a school loan and the person stated that shes going through a bankruptcy. I am showing 2 loans for this person on my credit report when I just signed for one {$10000.00} loan. I have sent letters to Navient and have explained to them that shes no longer taking my calls & she goes on cruises which she shows on XXXX. The credit company says they cant contact her and keep sending me emails for her address. I dont have her new address and neither do I have her phone number. They should be able to contact her where shes employed. The credit company continues to call several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, XXXX and Transunion ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX XXXX  and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online XXXX dispute dated XXXX Confirmation number : XXXX which resulted in XXXX " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from XXXX. XXXX also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how XXXX can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but XXXX and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.

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