vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: LoanCare, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LOANCARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Acct # XXXX LoanCare Mortgage LLC # XXXX Date Loan Open : XX/XX/XXXX Loan Modification Date : XXXX XXXX File Number : XXXX Dear : to whom it may concern I am writing to inform you that XXXX XXXX XXXX has taken out a mortgage in my name without my consent. I first became aware of this situation when I received a letter from your institution regarding the mortgage. I was shocked and dismayed that someone had used my personal information to obtain a mortgage without my knowledge or permission. I have all the necessary documents to prove I'm a victim of identity theft. I strongly request that your institution take immediate action to rectify this situation. Specifically, I ask that the mortgage be canceled and removed from my credit report. I have also attached any documents that may help resolve this matter. 

XXXX XXXX XXXX asked me to help him close a deal on XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX told me he needed someone with a fair credit score. I agreed and rented a room and a 1 % on the deeded. A year passed by I found out that he had taken a loan of {$450000.00} without my acknowledgment!? That's when I told XXXX what happened and why I have a mortgage under my name ; he told me he has a lawyer working on it. It would not affect my credit. That's when he toke me off the Deed that I was on 1 %. I didn't sign any paper or no cosign on the mortgage. 

He sent me an Email on XX/XX/XXXX, After I disputed the claim. He asked me to notarize a letter to take me off my credit report. The 2nd email he sent was an error. We all had to sing on the same day. We had to do it over again. The date has to be the same. Then we had to do it two more times because you need all four parts together : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. After going through that, I discovered he did a mortgaged modification. He removed me from the Deed, kept me on the mortgage, made a loan modification, and took an additional {$50000.00} loan. He promised to remove my name from the mortgage and tricked me into signing, and I thought he was pulling me from the loan mortgage. 

Thank you for your time and attention to this matter. Please go over the Document and review it yourself. 

Sincerely yours 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 2023-02-19 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: MO

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

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX XXXX XXXX 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 2023-02-19 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. The following public record below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX  XXXX XXXX 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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Accounts appearing on my credit report are fraudulent. 


1. XXXX 2. 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 non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter dated XX/XX/XXXX, from Bloomingdales that my account had been closed due to delinquencies. I called immediately and a charge of {$82.00} was 90 days past due. I never received the 3 bills as they were sent to an address from 4 years ago, but this letter was sent to my correct and current address. I immediately paid the bill and Bloomingdales took off the interest charges. They reported me to the credit bureaus and my impeccable credit of XXXX dropped to XXXX onXXXX with XXXX. I have written the ceo twice with no response and customer service says they have responded correctly. Why did they drop the interest, find my correct address after 3 months but blame me and ruin my credit? I have been a customer since 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 monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Hello, This medical bill was issued to me from my prior address in Pennsylvania. 
I recently relocated to XXXX Fl, for school. 
It was not till recently I made a legal address change after moving into my new apartment complex. 
The debt, I believe penn credit is attempting to collect was paid for. 
While I was a resident in Pennsylvania, I was covered under XXXX. XXXX covered completely the cost of my medical visit, and lab work. 
I had my own insurance company schedule me an appointment with a practitioner that is covered under my insurance. 

The medical bill is for the lab work my doctor requested. 
The amount owed is {$100.00} This debt is from XX/XX/XXXX However, If this bill was recently from my emergency visit, than it also should be covered under insurance. 

I am a XXXX  at the XXXX XXXX XXXX, and recently had a medical emergency for my condition XXXX. Any lab work, and visits that have been done are also covered by my insurance when it was active. Although XXXX does not cover me in the state of Florida, emergency visits are covered. My insurance was applied to my student account.My visits have been through student facilities, so my bill should be covered. 

I also attempted to sign into my XXXX XXXX and locate the Bill with the account number provided, and nothing could be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 2023-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
APPROVED WITH HAF FOR PAYMENT ASSISTANCE, THEY SAID THEY HAVE SUBMITTED PAYMENTS TO US BANK AND YET NOTHING HAS POSTED SINCE XX/XX/2022 AND IM STILL ACCUMULATING LATE FEES AND NEGATIVE CREDIT REPORTING. 

HAF US BANK

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 2023-02-19 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. 

Account name : XXXXXXXX XXXX XXXX  # XXXX. 
Account name : XXXX # XXXX. Account name : XXXX  # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX/XXXX  # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX  # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : 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 2023-02-19 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. 

Account name : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXXXXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX  XXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : 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 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I have an American Express Delta Skymiles credit card and have had it for a number of years. One benefit of the card is you receive a companion certificate each year when you pay the annual fee, which is currently {$550.00}. The companion certificate allows the cardholder to book a flight and use the companion certificate to pay for a companion fare ( excluding taxes ). Prior to the pandemic, I was able to use my companion certificate each year, without issue. Since the pandemic, I've not been able to use the certificate because any trip I try to book with it does not meet the terms and conditions of the benefit. I have called Delta numerous times to find a solution and they consistently tell me that the flight dates do not meet the terms and there are no companion fares available for the flight ( s ) I want. On XX/XX/2023, I called Delta twice to get answers as to why I couldn't use the companion certificate and was told I needed to check different dates and/or destinations to see if I could find an available flight. One Delta representative told me she knows there are issues with this product and Delta is working with American Express to improve the experience, but she didn't know any of the details. Also on XX/XX/2023, I called American Express to complain about the lack of benefit I keep paying for and they can not supply answers to me. American Express conveniently blames Delta Airlines for the lack of benefit and Delta 's excuse is that there are limited flights. American Express is not taking ownership of the problem and does not provide solutions. 

I believe this card benefit is a scam. The annual fee for this benefit continues to go up each year and each year I'm unable to utilize the full benefit because of the restrictions on the companion certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: LEXISNEXIS
State: GA

Complaint narrative:
Recently filed a dispute with Lexis Nexis about public record information the company was keeping and reselling about me.XXXX compliance regulations not being followed. In their response they removed the information from my XXXX and XXXX profile. The company verified the information in my XXXX file. My complaint is that if this information was removed from two of the three credit reports then it should be removed from the other one ( XXXX ) .The FCRA criteria and XXXX compliance standards are the same throughout each bureau, and to Lexis Nexis yet they refuse to remove this negative public record. 15 U.S code 1681e ( b ) says that the information prepared should prepared with MAXIMUM accuracy this item is not. This item also violates FCRA 15 U.S. code 1681e ( E ) ( 1 ) ( a ) ( b ) 1681e ( E ) ( 2 ) ( a ) ( i ) 1681e ( E ) ( B ) all speaks of Procurement of consumer reports FOR RESELLERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NCB Management Services Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EAST WEST BANK
State: GA

Complaint narrative:
I dropped off payment check to my local post office in the amount of {$420.00} to pay for my power bill by mail around XXXX XXXX XXXX The same check posted to my checking account on XXXX  for {$85.00}. The check was altered and made payable to someone I do not know and the amount was changed to " {$8500.00} / XXXX XXXX XXXX ''. My bank, East West Bank paid the check in the amount of {$85.00}. I contacted my bank and a Forgery Affidavit Claim was submitted on XXXX. It is now XXXX and I have asked about status numerous times but have been told it is still pending. I have not received any resolution or money back as of XXXX. My last status check to bank manager was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: NY

Complaint narrative:
I NEVER GAVE YOUR ORGANIZATION CONSENT TO FURNISH REFERENCED ITEMS TO MY CONSUMER REPORT IN ATTACHMENT

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 2023-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. In less than 6 months, the vehicle began having issues with the AC and I had to spend money to have the vehicle repaired which caused me to fall behind in payments. I also needed to purchase a battery which was reimbursed for by the car copy. I explained to Global lending Services the situation with the repairs and was told that I basically had no choice but to pay. I offered to have the late payments out on the back end of the loan, they refused because it was less than 6 months. They came and repossessed the vehicle and there is a XXXX balance I told them that this is a wash because I was sold a vehicle that clearly did not get fully inspected or repairs and the " warranty '' I got from them included in my purchase was suppose to cover things like this but didn't. I was also told during the contract signing it would be covered but it is not. Additionally I was supposed to have GAP coverage but it was not added. I was lied too through this entires process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: HW Holding, Inc
State: SC

Complaint narrative:
XXXX XXXX  reporting a balance of {$440.00} owed to XXXX XXXX that I do not owe. This is a violation of rights under FCRA law 15 U.S.C. code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UPGRADE, INC.
State: CO

Complaint narrative:
Since last summer, around XXXX or XXXX of XXXX, I have been unable to access my Upgrade account. I had dropped my phone in a swimming pool, and it was irretrievably broken. I had to get a new phone and a new phone number. However, I purchased the phone at a XXXX along with a prepaid card. Therefore, I do not receive a bill. I do not have any account statements, other than my original purchase receipt. 
When trying to access my Upgrade account, their security functions are set that a code must be sent to the phone number on file,. I called to get my number changed, and they said they needed a phone bill. I have called numerous times, and spoken with numerous agents, that this is not possible. I have sent them very sensitive information like copies of my passport, driver 's license, copy of the phone purchase receipt ( that could be used to tie back to my phones serial number if they had cared to resolve my issue ), my social security card, a picture of me and my upgrade cards and finally, a video of me with my driver 's license. None of this is enough. I can not retrieve my balance, interest rates, charges, statements, etc. I am VERY frustrated. I suffer from XXXX and this issue has caused me extreme stress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I took out loans with sallie mae, now navient starting in XXXX. Since taking out the loans Ive repaid the entire amount in full, but now am being charged thousands of dollars by navient for added on fees that have nothing to do with my loan amount. The company has refused to offer me any kind of payment lower than {$500.00}, which I can not afford to pay at this time due to financial struggle and hardship. My credit is being affected poorly which is causing me issues in every area of my life. These loans have been following me for most of my life and I am struggling to get by. Navient is a predatory lender and i should not be required to pay the amount theyve added on to my account. In XXXX I attempted to get forbearance on my loans, and in XXXX my father paid off the entirety of what was owed.

Company response to consumer: Closed with explanation