vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
XXXX have communicated with Atlas Credit many times on this issue. I was attempting to work out a payment arrangement with them because currently times have been hard. Their management staff crossed many lines. Then started to insult me personally, and started XXXX me, my family and my work via the phone. It got so bad that myself and my family and my company have had to change numbers or block them via phone systems. I have told them to stop and just send me to collections and they refuse. Now they continue to send tacky letter after tacky letter. They even had a lawyers office contact me via mail. When I talked to that lawyers office, they stated that Atlas just uses them to try and scare people. I want to quit being XXXX  by Atlas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-28 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have tried to communicate with PayPal through all means ( cell phone, same platform, mail ) without any result, since for some reason the support always tells me the same thing. They flatly deny everything I say, even though I have the evidence for it. The platform literally limited my account for no reason, with the apparent reason of having created the account being a XXXX, they do not give me any action to appeal the decision they make, the same support, moreover, ridiculously, tells me that this decision is permanent and can't be appealed ( when I have never been able to appeal it ). The account was made by a representative and I have only given my identity when I was going to request the name change. -- -- -- -- -- -- - I already sent a claim through this same page against PayPal, but they themselves tell me that it does not correspond due to the discrepancy between the location from which this claim is being sent, being that days later the PayPal support in XXXX  responds to the mail saying that they reviewed the claim and that I will no longer be able to withdraw my money after a period of 180 days ( being that this was already specified since they limited my account ), The same goes for PayPal support in the XXXX, I don't have the resources to go to the XXXX to dumbly file a complaint, even less when I am not given any option to appeal decisions like this or that in the same dispute options in my country, there is no option available. It is unbelievable to me that I am going to lose my hard-earned money this way, on a platform that only has the job of holding it and not carrying it as if it were nothing. I only used it to transfer my funds with XXXX from XXXX. Timely, this is my only means by which I can affirm PayPal 's poor decisions. -- -- -- -- It is criminal to accuse someone falsely, not provide any evidence that this was the case, and even refuse to confirm the veracity of the facts. Just as PayPal is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX  : My XXXX were never paid in XXXX by PHH Mortgage. I had to pay the attached tax bill out of pocket and need a reimbursement check for the amount of {$7000.00}. 

I was told by XXXX that PHH Mortgage was responsible for paying my XXXX taxes in XXXX because PHH purchased my mortgage in XXXX of XXXX and that the escrow account was purchased with this. 

I paid my mortgage and tax payments every month on time. 

I received a letter from XXXX XXXX stating that my taxes were never paid. They stated that all that they needed was a bounced check OR a wire number transfer to show proof of payment. 

I reached out to PHH Mortgage to see why the taxes were never paid and they told me that my XXXX taxes were paid to the INCORRECT parcel number. I have been working with the escalations team for the past 8 months to get this resolved with no progress made. The last email stated that they would no longer be addressing this issue. 

I have contacted them over 20 times to solve this over the past 8 months with no resolution and do not know how to get this money back. 

I had to pay my taxes myself so now I have paid double the amount I should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I received an email order confirmation from a company called " XXXX '' for a home gym with a promise of delivery in 3 to 4 weeks. I purchased the product with a loan through Affirm, XXXX 's financial partner. The total was {$550.00}. So far, I have made two {$46.00} payments, leaving a remaining balance of {$440.00}. 
On XXXX XXXX, I contacted XXXX through their customer support email to find out why I hadn't received my home gym. They replied that they were having shipping problems and I would get my product in early XXXX. On XX/XX/XXXX, I contacted XXXX 's email support, but I didn't get a response then or after that. 
Subsequently, I contacted Affirm customer service twice to file a complaint against XXXX. Both times, the representative said their investigators would get in contact with me within 3 to 5 days. It's almost XXXX, and no Affirm investigator has contacted me yet. Today, I made a final call to Affirm customer service, but I got the same old response. It's been almost 3 months since I made my order, and I still haven't received my home gym. I believe Affirm is harboring fraudulent merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/2022 the servicer paid my insurance premium twice. At the end of XXXX, I contacted both the servicer, Nationstar Mortgage d/b/a Mr Cooper, and insurer to correct the problem. The insurer immediately issued and refund to the servicer. The servicer never posted the refund to my account. In XXXX I was notified of a significant shortage in my escrow account that would result in a significant increase in my mortgage payment. I immediately called the servicer. After over 45 minutes on the phone, I was assured that 1 ) the servicer would work to resolve the issue that caused the shortfall and 2 ) my mortgage payment would not increase until it was resolved. On XX/XX/XXXX the servicer deducted the higher mortgage payment from my checking account. I immediately called the servicer. After over an hour and a half on the phone, I ended up speaking with XXXX who was presented to me as an escalation specialist. XXXX asked me to participate in a 3-way conversation with the insurer. The insurer told us that they would stop payment on the previous check and issue a new one made payable to me. XXXX told me that I would need to deposit the check into my checking account and then submit a payment to my escrow account. At that time the servicer would reanalyze the escrow account and update the payment amount. She would then process the XXXX payment. XXXX told me that she would follow up with me on Tuesday, XX/XX/XXXX to see if I had received the check from the insurer. She did not call. I received the check on the XXXX of XXXX and posted it to Mr. Cooper on the XXXX. I attempted to reach XXXX to let her know. She did not answer the phone and her voicemail box is full. Today is the XXXX of XXXX : The servicer has not reanalyzed my escrow and has not processed my XXXX payment, and shows a XXXX payment in the higher mortgage amount scheduled to come out on the XXXX. XXXX 's voicemail box is still full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
to whom may help, I have attempted to fix this problem without a positive result. I tried to do the right thing and payoff my charged off debts. I was told they were going to be deleted but it did not happen. Please help, this is stopping me from getting proper housing for my family due to payment history. Please see attached. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2022-11-28 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. 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, 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 2022-11-28 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:
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, 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 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. 

Pursuant to XXXX XXXX XXXX ( c ) ( XXXX ) I am invoking my specified remedies as a federally protected consumer. 

I am demanding all of the following : I refuse to pay this alleged debt. 
Stop illegal negative reporting activity to ALL consumer reporting agencies. 
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. 
XXXX XXXX ( not a billing statement ) XXXX, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, XXXX the consumer all demanded remedies and Will result in litigation/ and or arbitration. 


( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt XXXX are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
There are items that i have disputed with Equifax that does not belong to me an is a result of identity theft I am aware that 15 usc 1681c-2 states that the information must be removed not later than 4 business days after receipt of a copy of an identity theft report which i have included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have been in dispute with Santander over an alleged fraudulent " debt ' and unvalidated contract for over a year. The account was charged off and yet the balance has been reporting on my credit report without my written consent. On XX/XX/22, I sent a money order remittance coupon via certified mail in the amount of {$14000.00} to be accepted for value, quoting 12 USC 411, 18 USC 8, HJR 192, UCC 3-104 and UCC 3-603 as the basis for payment choice. Along with the payment, I sent a notarized letter explaining my method of payment and instructions on how to apply it. I received no response or update to my account. On XX/XX/22, I sent a live notarized HANDWRITTEN letter, via certified mail, further disputing the current amount " owed '', along with a live notarized affidavit Notice Of Billing Error pursuant to 12 CFR 1026.13 and exhibits displaying the current payoff quote had not reflected my payment. I received no response. On XX/XX/22, I sent the CEO, XXXX XXXX Department, and Legal Department at Santander Consumer USA XXXX XXXX, ( the parent company to all of the Santander subsidiaries ) the official live Certificate of Non-Response Notice To Cure, as authenticated by the Secretary of State of Texas. I also sent copies of my previous mailings and letter requesting my account be updated immediately to avoid further legal proceedings. Every document sent throughout the process has been live, stamped and autographed. As the consumer, lien holder, authorized representative and beneficiary of the social security account used to open this fraudulent debt, I'm outraged at the blatant dishonor that Santander Consumer USA Holdings Inc and all of its daughter companies have displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: AR

Complaint narrative:
An inqiry was made by XXXX XXXX XXXX XXXX on my Trans Union credit report on XXXXXXXX XXXX XXXX. I never authorized this inquiry.

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 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I filed a complaint with cfpb in XX/XX/2022. After Mr. Cooper filed an answer, the file was closed. I have NO IDEA of what the intentions are with Mr. Cooper, so I filed a Qualified Written Request, # XXXX to CEO XXXX XXXX and # XXXX to Mr. Cooper " Notice of error Department/Request for information '', Both of these XXXX  's were Acknowledged in writing stating " a response will be provided by XXXX XXXX,, and XX/XX/2022 respectively. As of this complaint I have not received any kind of response from either of my XXXX, I have all the tracking information if you require. 

I am almost XXXX, I am very compromised health wise, These two XXXX  were sent with the hopes that I could have an idea regarding my home. Mr. Cooper will say I am XXXX payments behind, NOT ACCURATE!! I've made XXXX Trial payments, XXXX Post Trial payments, and I HAVE POST TRIAL PAYMENTS XXXX, ( over XXXX. ) Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation