vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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:
Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!

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 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: AL

Complaint narrative:
I have a conventional mortgage with Mutual of Omaha Mortgage, including an escrow account. They took money out of my escrow account for property taxes. However, they referenced the wrong parcel number. I contacted the revenue office, who stated they never received a payment from Mutual of Omaha for any parcel. And, even if they had received it, the payment referenced a parcel # that doesn't exist in my county. So, the payment would have been sent back to Mutual of Omaha anyway. I ended up paying my property taxes directly, before any additional late fees were added. I have contacted Mutual of Omaha multiple times to try to get my escrow account credited. But each time I call, I am told they will have to research the check payment to see if it has cleared, stop payment, then they can credit my account. This has remained unresolved for months. Whether the check has cleared, been stolen, or is lost, is irrelevant. My account will still have to be credited because Mutual of Omaha did NOT pay my property taxes. I paid my property taxes. The payment they claim to have mailed never would have paid my taxes anyway. It referenced the wrong parcel number. The fact is, I paid my property taxes and Mutual of Omaha did not pay them. Therefore, regardless of where their check is, they still owe me a credit. But they refuse to do so in a timely manner. I am just getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank, store credit cards for Forever 21 and the XXXX. Reporting incorrect balances and history of cards. My cards were in perfect credit in 2018 until I had made purchases online at both stores that didn't fit, so I returned them to the store for credit-they never applied the credits. I contacted them, they said it would be corrected, but it wasn't after three months, so I closed both accounts. They continued adding " late charges '' on even after I closed them. Now Commenity sold the accounts to " XXXX XXXX XXXX '' who sends mail and calls constantly with different addresses and telephone numbers trying to harrass me into paying them and threatening to go court. This is affecting my credit report with incorrect information. I will never do business with any of those businesses again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX 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 2022-06-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Account Number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX, Account Number 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 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: UT

Complaint narrative:
So I had over XXXX XXXX dollars in unauthorized transactions I told netspend my documents and things got stolen out my car it had my pin and account and everything on there copies of my i.d . my w2s. I didnt know my things were stolen because I haven't drove that car for a while because didnt have insurance and registration been expired n it's not my family car. So netspend ended up cancelling my dispute because no error witch is XXXX because these transactions happend in Arizona and XXXX XXXX I live in XXXX Utah and was at work during these times it happened. XX/XX/XXXX Arizona $ XXXX {$34.00} ] XX/XX/XXXX XXXX {$200.00} {$2.00} {$200.00} {$2.00} {$200.00} {$2.00} {$0.00} {$0.00} {$0.00} {$2.00} {$100.00} $ XX/XX/XXXX XXXX Now XXXX XXXX XX/XX/XXXX {$520.00} {$310.00} {$2.00} {$300.00} {$2.00} {$300.00} {$2.00} {$300.00} {$42.00} ] XX/XX/XXXX {$300.00} {$2.00} ] XX/XX/XXXX {$81.00} Also there is a bunch of fees with most these transactions like XXXX mostly all the fees are In XXXX and it doesnt show when I login the app after I tried disputing them it only shows if I download my statement witch i be happy to do and send you guys. Netspend will not help me what so ever n all these where unauthorized transactions and they said no error. Its upsetting and XXXX especially when I have been a loyal customer and had lots of money go in this account n never had a problem but when my credentials and things got stolen I called n told them right away n they didnt care at all.

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 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Resurgent Capital Services is sending fraudulent documents to XXXX XXXX, which is not me. They are conducting mail fraud with these actions as well as contract fraud, racketeering, and copyright infringement. 

I have repeatedly asked them to purge their records and the request is blatantly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 the following creditors/ credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- U S DEPT OF ED/XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDUCATIO # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX # XXXX  -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX  # XXXX -- XXXX XXXX # XXXX  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 2022-06-01 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX DEPT OF ED / 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 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Early this year, I have received a mail from " unknown '' sender only with the address XXXX XXXX, XXXX XXXX, XXXX, CT XXXX. When I opened the mail, it was unidentified dept amount without any details and the body of the letter was stating that they will file a lawsuit. I called the company Cavarly SPV I and the representative was saying that they will file a lawsuit if I do not pay the debt. I wasn't sure what this dept is all about so I asked them if they could provide details and the personnel just hung up the phone. After months later, I filed a dispute to the credit bureau, and oddly the very next day XX/XX/2022, Cavrly SPV I LLC filed a lawsuit through XXXX XXXX XXXX XXXX without the open dispute being verified and summon was delivered on the XX/XX/XXXX around XXXX. This XXXX companies seem to me, they are coordinating to collect the credit dept in unethical way based on the timeline of the procedure they have made, not to mention the written and verbal threats that were made by Cavalry SPV I LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX. I got a charge not made on credit card. That had me place a freeze on all three credit XXXX, Equifax and XXXX, I need a credit card and wanted to unfreeze my account. 
At which time I found that my Equifax, had allowed the people to change my middle name and I was not me. In XXXX. I received credit reports having no charges on them now there are many and the say I am not me, because my middle name did not match. XXXX will not give me a credit report nor answer any questions. I have sent a copy of my drivers license and SS to Equifax and as said I have nothing from XXXX. I am looking for where and how I stop this invasion of my life. He/She had found me on XXXX. and have all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FEDChex Recovery, LLC
State: TX

Complaint narrative:
FCR Collection Services claiming to be attempting to collect an unpaid water bill for the City of XXXX XXXX Texas. 

Incessant calls. When I finally spoke to them I asked them to verify the debt in writing and provide to me their legitimacy to collection the debt. Gave them a valid address. No written communication was ever received so assumption was it is fraud. This is for a claimed unpaid water bill when I had the water bill on auto pay ( debit ) so makes no sense that I owe anything as the City would have just debited my account. Further when I tried to contact the City of XXXX XXXX, Texas, their water department refuses to provide me with any information. 

On XX/XX/XXXX ( yesterday ) spoke with FCR Collection Services once again. Their representative acknowledged that they did not send me any written communications but now promised to. 

Their failure to send written communications after our first phone call ( they have never sent written communications ) I believe is a violation of federal law.

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 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Home Loan with UWM. Flood Insurance renewal due no later than 29 days past expiration XX/XX/XXXX. UWM rec 'd notice XX/XX/XXXX, overnighted payment to XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX ( incorrect address ). Refund has been receivd by UWM and deposited to Escrow account. 

Rec 'd 2nd past due notice Flood Insurance, Ins Broker and I contacted UWM, UWM sent XXXX  disbursement Flood Insusrance XXXX, MT ( correct address ). 

Interium period, Flood Insurance lapsed losing " Pre-FIRM subsidized rate '' of {$2300.00}. Ins Broker looking for new rate, rate is {$3000.00} to {$4000.00} Plus. 

XXXX XXXX XXXX XXXX XXXX RENEWAL PREMIUM NOTICE states in item # XXXX : Effective XX/XX/XXXX, policies currently receiving Pre-FIRM subsudized rate may lose the eligibility to maintain those rates if payment is received more than 90 days after policy expiration date. 

If the XXXX disbursement was sent by UWM XX/XX/XXXX, surely the payment would have been received sometime in XX/XX/XXXX. 90 days from expiration XX/XX/XXXX would have been XX/XX/XXXX. Contacted UWM, National Flood Insurance and FEMA ( can flood insurance be dropped, California is in a drought ). These agencies/companies are not offering a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!

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 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
***NOT A DUPLICATE COMPLAINT*** SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately. 

LOAN DOCUMENTS ARE NOT A VALIDATION OF DEBT. SEND ME A WRITTEN PERMISSIBLE PURPOSE OF THE ALLEGED DEBT AS WELL AS THE AUDIT TRAIL. I AM THE ORIGINAL CREDITOR AND I DO NOT VALIDATE THIS DEBT. REMOVE THIS ALLEGED DEBT FROM MY CREDIT REPORT IMMEDIATELY.

Please also provide the 5 pieces of information for debt validation. Your company operates under the Fair Debt Collections Practice Act so not responding to the requirements below is a direct violation of the Fair Debt Collections Practice Act pursuant to Pursuant 15 U.S. Code 1692g - Validation of debts.

Pursuant 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

IF ALL FIVE REQUIREMENTS CAN NOT BE PROVIDED THE DEBT IS NOT VALIDATED AND MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: MS

Complaint narrative:
I have been dealing with this since XXXX. XXXX XXXX XXXX adjusted the amount on my bill because they didnt realize they had my equipment once they took the equipment charge off that was {$160.00} I owed them {$170.00} which I paid and XXXX XXXX  XXXX said they would send the adjusted amount to Prince Parker and everything would show a XXXX balance well at XXXX XXXX  XXXX it shows I owe nothing and my account is closed they have also called Prince Parker told them I dont owe anything but the {$160.00} for Prince Parker is still showing I owe it I have been calling both places for the last month and I am trying to get all of this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MO

Complaint narrative:
XXXXXXXX XXXX store credit cards for XXXX XXXX and the XXXX. Reporting incorrect balances and history of cards. My cards were in perfect credit in XXXX until I had made purchases online at both stores that didn't fit, so I returned them to the store for credit-they never applied the credits. I contacted them, they said it would be corrected, but it wasn't after three months, so I closed both accounts. They continued adding " late charges '' on even after I closed them. Now XXXX sold the accounts to " XXXX XXXX XXXX '' who sends mail and calls constantly with different addresses and telephone numbers trying to harrass me into paying them and threatening to go court. This is affecting my credit report with incorrect information. I will never do business with any of those businesses again.

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 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: WA

Complaint narrative:
I have no contract with Alltran Financial, L.P. and they are engaged in contract fraud, mail fraud, copyright infringment and racketeering.

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