vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
XX/XX/21 - I would have to look at call logs for the other calls. However, for the past year this company has contacted me claiming I've " maliciously defrauded '' a company and need to pay them immediately. A prior rep of theirs did collect XXXX dollars from me and I have yet to receive any communication or documentation on the debt owed or who it's even owed to. They claim to be a " mediator '' and that I will be taken to court if I don't pay them. Again, I've asked for documentation and again, received none. 

They've also had reps claim to be process servers in the past. 

Today, they contacted my current employer, which I did not work at at the time of my alleged debt. I have in no way given them, or the alleged original creditor this information. 

They have continued for the past year to contact my ex-husbands extended family members both on their work and personal cell phones. Even after being told they don't know me. 

Today a rep told me my refusal to comply with her after I asked for their address and information, which is my right, that " this is why I'm in this situation ''. This is harassment, bullying, impersonating legal entities, continuing to call after being asked to stop. 

I will be sending a stop request via mail per the fair credit act and hopefully this stops.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. 

ATTACHED IS THE LETTER REQUESTING REMOVAL OFF THE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
XX/XX/XXXX - initial loan disclosure sent by LoanDepot. 
XX/XX/XXXX - XXXX loan disclosure sent with increased origination fee, monthly payment, and closing costs sent by LoanDepot. 
XX/XX/XXXX - I personally reviewed all documentation and noticed that the appraisal was incorrect. The appraiser put down XXXX acres and not XXXX acres and compared our home to similar homes with less property thus undervaluing our house, which consequently made the origination fee increase and the monthly payment and the closing cost. I pointed out the mistake done by the appraiser and was told that I have to submit an appeal even though a correction needs to be made by the appraiser. 
XX/XX/XXXX - My fianc and I have been trying to get direction from LoanDepot on how to fill out the appraisal appeal form but have not gotten a reply. 
XX/XX/XXXX - I filled out the appraisal appeal form to the best of my ability and submitted it to LoanDepot. 
XXXX - I finally heard back from LoanDepot after calling and emailing almost daily since I submitted the appeal on XX/XX/XXXX and was told that information is missing. 
XXXX - I left work early to call the main line of LoanDepot and spoke with XXXX and to try to get some information on how to fill out the appraisal appeal but was transferred to XXXX who did not know and told me no one is available to help answer my question. 
The main issue is communication or lack thereof. 
The second issue is attention to detail. 
LoanDepot should have caught the mistake and asked the appraiser to redo their work instead of putting the onus of responsibility on the consumer without any direction. Plus we have already paid for the appraisal and now we have to do it ourselves after paying to have it done through LoanDepot and facilitated by Valuation Partners, specifically by XXXX XXXX XXXX - Appraiser. 
What needs to happen is we need someone at a higher level at LoanDepot to help rectify this issue since XXXX XXXX-Licensed Lending Officer, XXXX XXXX Account Manager II, and XXXX XXXX  XXXX Processing XXXX have helped. 
They should have Valuation Partners redo the work that we already paid LoanDepot to perform instead of making the customer do all the work. 
Failing that, they should at least communicate how we can accomplish the appraisal appeal since neither myself or my fianc are home appraisers and the document provided gives no direction but does tell us that we can't use XXXX, XXXX or other valuation websites. 
Basically, we can't use anything that average people know how to use but are not told what we should use. 
CFPB - please help since LoanDepot won't!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: NJ

Complaint narrative:
RGS is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. RGS has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: AZ

Complaint narrative:
Fraudulent collections on my credit report I have contacted collection companies and have no responses in obtaining any proof of the debt belonging to me and needs to be removed XXXX XXXX XXXX XXXX Collection opened XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I'm having a problem with Wells Fargo. My XXXX XXXX account. Specifically, payment allocations for purchases, balance transfers, cash advances, overdraft advances, and bill pay advances. They are not applying my payments to most expensive balances. They are only applying the amount over the minimum to the 5 interest balances. WF claims that this is federal laws for banking.

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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I was advised by a representative from Nationstar/Mr. Cooper to make my XX/XX/2020 payment and to not make any further payments until my refinance was complete. Please see attached letter. 

Nationstar/Mr. Cooper reported me late to the credit bureaus, which significantly lowered my credit score. Due to my low credit score, I was unable to complete my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is My E-mail is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
I've been looking for a creditor of sort to help with fixing our credits. I answered questions that a regular creditor would by the name XXXX who " works '' for XXXX XXXX XXXX 

I told him XXXX of the sore thumb problems that I had which was : fraud '' someone in West Virginia was going to school in my name and didn't pay the bill. Far as I know, you must have a XXXX or a XXXX XXXX XXXX. So, now I'm stuck with the inquiry and my husband and I want to buy a home now that we are leaving the military. 

This XXXX guy put me in the exactly situation of what I told him that got into debt in the first place. 

he used everything I said against me, right after I signed and signatured the papers that he sent me. XXXX re-seny me the papers with more writing on it saying that they are not credit repairs and that they are a school '' as i I agreed to that. 

A person is not stupid because they don't have certificates of attendance in high school or a collage. It just means they didn't get a money trade skills in a job to make greater income of their choice. 

I contact PAYPAL and they refuse to give me my money back. PAYPAL wants me to believe they are doing their investigation by asking me to summited the same information that I've been sending rhem more than 3 times. Second '' giving the other party more than enough time to give me the service that I never asked for, but because I paid them '' PAYPAL eants to believe that is want I knew what I was getting which is nothing. PAYPAL REFUSE TO INVESTIGATE and this is why I haven't received my money back. PAYPAL expecting for me to just leave this alone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
They repeatedly call me at work. I've asked them to stop because we are not allowed to receive those type of calls at work. They continue to call almost daily.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I awoke today to an email from the XXXX XXXX App stating that a new duragotory remark was added to my credit. This is from a company I do not recognize. Please verify the debt and that the info is accurate. This debt is likely too old to be collected given the current statute of limitations. Surely not proper notification by the fair debt collection practices act was followed. I do not think this debt is valid. Additionally I am financially impacted by covid19 natural disaster at this time. Please remedy by removing this from all negative credit reporting. Do this for all agencies you report to ; on both XXXX XXXX XXXX XXXX Please also provide me a written letter of exhoneration once this is completed. Your mishandlings on this file and any companies you may have bought this debt from are invalid. Please remove to avoid legal action and civil lawsuits for the aforementioned mishandlings. As you know false reportings and negative credit reporting greatly impacts ones life. Shame on you and the company who escalated this to you. Remove asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services
State: OH

Complaint narrative:
Centron Services Inc, also known as XXXX has failed multiple times to delete this collection item off all 3 credit bureaus. They have been advised by me that a notarized letter was sent to the original creditor on XX/XX/2021 and the original creditor stated that a notarized letter would discharge and remove the debt. XXXX thinks they are above all FCRA and government regulations and verbally stated to me that they were not removing anything. XXXX has provided me documents in the past of false documents that have a signature that does not belong to me. XXXX is also not able to verify who the debt actually belongs to. Therefore, this collections agency is subject to violations of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. please see attached correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT. 

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT.

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

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 2021-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Mailed debt validation letter to National Credit Adjustors XX/XX/XXXX, received a response on XX/XX/XXXX that they needed 30 days to verify. As of XX/XX/XXXX I have not received any documentation on the debt being mine. I have called many times to get this debt verified and I am always transferred to voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The company Freedom Mortgage changed the payment invoice to include property tax 's and insurance with out my knowledge. The payment went from {$1800.00} to {$2900.00} dollars a month. There was never an impound account at the time the loan was originated. I can not afford this monthly mortgage increase. The house is in forbearance and they are adding this amount to the forbearance account. This was all done without my consent.

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 2021-06-03 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CT

Complaint narrative:
I've been trying to access my debit card information on the online website for my USbank Focus Card since the beginning of XX/XX/2021 ; to view my transaction history and balance information. I have contacted the bank every other week from XXXX to XXXX of this year ; and their customer service just gives me courteous assurances that they are working on an IT problem to " unblock '' access to my account. I have talked to maybe 6 to 8 customer service representatives ; all promising they've escalated my complaint, and they will notify me when fixed. Haven't heard from them since my last call around the 2nd week of XXXX! Every other week it's the same thing. I sign on, I try to bring-up my account, and my access is blocked. I've tried to recreate the account, but I'm blocked. I go through a useless process with the reps that doesn't work. They're always sorry ; but it's always the same excuse. They said they would remove the account off-line ; to allow me to sign-in, and create a new account from scratch. I've tried, and they haven't done anything. The old account just sits there, with my name, and the dots hiding my old secured-password ( Which I've tried to change, and that's what started this mess in the first place ). Meanwhile, I get an error message blocking me from access ; and telling me to call the number on the back of the card. I have ... many times! Yet nothing gets fixed!

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