vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: PA

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT AMERIFINANCIAL SOLUTIONS Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My letter dated XXXX which was mailed to Equifax on XXXX. That letter was mailed to Equifax by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter and new relevant documents in their XXXX System.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello, On XX/XX/XXXX there was a hard inquiry on my credit from Bk Of Amer. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.

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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app refused to replace add cash in the amount of XXXX {$500.00} on XX/XX/XXXX from XXXX XXXX. I tried calling the support number and they do not answer. XXXX denied that they reimburse electronic digital wallets but the advertise they do. On XXXX XXXX my cell phone was acknowledged by XXXX 



I M going through identity theft and have since XXXX. I need to have debt corrected from XXXX XXXX XXXX, rent reimbursed to XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX. 
XXXX and XXXX XXXX XXXX I had data breaches that are liquidating assets. XXXX XXXX XXXX XXXX XXXX XXXX. I have property rights that need to be respected. 

I need my legal charges dropped. I was locked out of XXXX XXXX for XXXX weeks and could not get my debit card to activate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX data breach was with irs and ss.had garnished my wages in XXXX after using XXXX and XXXX XXXX and XXXX. I had just come back from XXXX and got on XXXX and XXXX with the state of XXXX. My XXXX was phished by a frauded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The scandal 0f my ss money and military rights and benefits and XXXX rights has gone all my life... XXXX XXXX XXXX XXXX 

XXXX caught the scandal in XXXX but was never stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXXXXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from Jpmcb Card. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX Of XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.

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 2022-04-02 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 XXXXXXXX account # XXXX, XXXX XXXX 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 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 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a refinance with Citibank on XX/XX/2021. I wanted to take advantage of a low interest rate environment, I currently have a 3.375 % mortgage with XXXX XXXX  and was offered a 2 % refi on a 15 year loan, including a 3/8 of a point reduction which was added as I am a preferred Citi Gold account. ( over $ XXXX investments ) I was contacted by the Citi mortgage banker and after 1 phone call and 3-4 emails, he never spoke to me again and handed me off to his assistant to collect the necessary documents. I provided the necessary documents to get started but as a small business owner, they wanted confirmation that my XXXX was forgiven. It took time to get this and they offered a courtesy rate lock. 6 months later into this process they tell me my XXXX ratio isn't working out and they want to modify to a 30 year. I did not want that but I was willing to listen, they came back with 3.75 % interest! 
Now I am very angry with the Citi Mortgage banker because he didn't identify my needs and could have told me that my XXXX was off within 3 weeks of my application. I was now left out of potentially finding another loan because interest rates are now higher than my current one. Originally, XXXX offered to refinance but i said no thanks because I was getting a slightly better rate ( 3/8 ) because of my investments. Citi really XXXX XXXX  and the mortgage rep at Citi never called me to admit his fault, his manager just refunded me my expenses and agreed he was wrong and I was mishandled from the very beginning. I will now pull all my accounts from Citi.

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 monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
On XX/XX/2022, I received an alert on my personal credit report stating that there was a new collection account in the amount of {$1400.00}. I immediately wrote a dispute letter to the company stating that the collection was illegally placed on my credit report and I dispute the validity of the debt. I asked for proof ( Validation of Debt ), that the account was mine or immediately cease collecting and reporting. I did not receive any response and the collection stayed on my report. 

On XX/XX/2022, I wrote yet again another letter stating that I was responding for a second time regarding the above referenced collection account and did not owe any company {$1400.00}. I included that I previously responded back on XX/XX/2022, disputing the collection account and they did not provide me with a " Validation of Debt '' or any response at all. I once again stated that I was disputing the collection account in full and wanted it immediately removed from my personal credit report ; it still was not removed. 

Here we are XX/XX/2022, the collection account is still reporting on my XXXX and XXXX personal credit report, damaging my personal credit. I am being completely ignored by this company and it is affecting my ability to obtain any new credit accounts because of this. I want this account immediately removed from my personal credit 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 explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Do not recall late payments dates. Please provide records of dates of late payments including your bank records showing late payments. Please supply information for all credit report to whom creditors reported 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 2022-04-02 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: AL

Complaint narrative:
After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are impacting my score and I want them to get removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX 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 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.

Complaint narrative:
Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX  address. I use my XXXX  address with my credit card and checking account, also with XXXX XXXX. 

My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX  does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. 

I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. 

Thank you

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 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I had inherited 100 % my parents house through XXXX. Ocwen mortgage allowed me to take over the mortgage. Ocwen mortgage locked me out of my own account and would not accept the payments. At the time the principal balance was {$2500.00}. Ocwen then foreclosed on the house for {$25000.00}. I have been ordered to vacate within 60days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-02 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
Apparently my SS # & Email acct had been hacked & I believe my sister, a XXXX addict, was also attempting identity thieft before she had an untimely death in XXXXShe stole a lot of $ from my father. My income is difficult to explain since I now collect social security & have inherited monies from both my father & my very wealthy aunt ( I'm in the process of having monies placed in trust accts & managed by others more capable then me! ). It does give me a steady monthly stipend that adds to my Social Security & shouldn't run out. I keep finding more & more derogatory comments on my credit reports? Tonight claims a late payment for a target credit card from XXXX. I've had only one Target credit card & it's totally up to date! I used it today! I usually pay my my few active credit card balance in full each month. I am immunosuppressed & was isolated for nearly 18 mos. I realize I got slopply with my payments due to XXXX. Totally my fault I had the income I was just lost concerning time & date since literally left alone with everything delivered to my door & Dr. appts & family only checked in virtually. Now I hope to repair my credit & health & get to the bottom of some debts & loans that are not mine! I couldn't leave my XXXX  from XXXX XX/XX/XXXX till XX/XX/XXXX & still must be cautious. No reason to apply for loans or credit cards then & minimally today. XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief