vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Since 2021, my mortgage company has not paid the taxes that I escrowed. I have been served papers twice by the Sheriff and even sued by the county. The official lawsuit notice was served XXXX and immediately submitted to Select Portfolio Servicing. We had several warnings and were even served months prior. All documents have been uploaded via their online portal as well as sent via email. They have promised numerous time that it would be taken care of and they never did. I ended up paying the county out of my pocket on XXXX to avoid losing my home. I also had to pay the court fees that were incurred by the attorneys that file these suits on behalf of my county. Still, they won't address the situation, continue to apologize and give me " absolutely worst case '' dates which they routinely miss. Now I am being told that it could take up to 45 more days to pay me back. This all began in XXXX of 2021 and they could never figure out how to pay the taxes on the correct parcel #. With one phone call to the county, I was able to find out the correct parcel and make the payment in person. Basically they just aren't trying as they could have done what I did and have the expertise to handle it better than I am equipped with. I have now been forced to double pay my taxes along with late fees plus the court fees for a total of XXXX ( taxes, late fees, court costs and c/c processing fee ). 
I also missed a mandated court date XXXX as they refused to give me any documentation of them " trying '' to pay the taxes but having the wrong parcel #. I was told that I would have to subpoena them to get that information. So I couldn't even go to court on their ( and my ) behalf with evidence unless I subpoena my own mortgage company. They refuse to let me talk with the tax department or the disbursement department claiming that it is against policy. 
The account number on the loan is XXXX The address in question is XXXX XXXX  XXXX, XXXX TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: CBC Companies, Inc.
State: NY

Complaint narrative:
i was contacted by XXXX XXXX. i explained the amount of the loan i was looking for. We chatted for a bit and he said he would have to run a credit report, i asked which agency and he stated he was only going to run the report from XXXX, and when we were closer to processing he would have to run the other 2. i agreed to run the one report. I recieved notifications that all3 got run just then, i questioned it. he said i thought you were going to go through with theloan, i complained no that you just told me you were going to run just one, I did not need the inquiries on all 3. 
I recieved a call after a couple day from someone claiming to be his boss. i explained what happened and agin asked for the inquiries to be removed. he transferred me to XXXX which said he was going to listen to the tapes. 
He emailed back and said he was not going to remove them. I specifically asked for a copy of the tapes as it specifically has me the banker stating he was only going to run the one report. Also he stated that here is the copy and paste from his email.Now I will get this feedback over to banking because all of our bankers should be setting the proper expectation for a tri-merge credit pull. The only instance i have seen a single bureau credit pull would be for a score over 800. XXXX XXXX will not be able to remove this credit inquiry. I apologize for any inconvenience As you can see he stated that he will get with his bankers to to set the expectations

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

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I am in the process of disputing certain things on my credit that were the product of identity theft. The company that bought one of the debts is calling me nonstop, have started contacting previous places I worked at that showed on my credit about this debt, they are contacting family members associated with my information as well. The aggressiveness borders on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gXXXX also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I was helping my daughter sublet her apartment in XXXX Colorado. We were contacted by a woman, XXXX XXXX, who signed the lease and sent my daughter a check for the amount of {$4100.00} to cover the cost of the security deposit and all the furniture in the apartment. 
On XX/XX/2022 the check was deposited into my daughters account. 
We waited for the check to clear before I sent the woman back {$1500.00} dollars because she said she needed it for the move. We were so relieved to get rid of the apartment and all the furniture that I figured I'd help her out. My daughter was sure the check cleared because she saw the amount posted in her account. This however was a mistake on my daughter 's part ; She did not realize that under the amount she was looking at, in small print it said AVAILABLE BALANCE, which did not include the {$4100.00}. 
She's a XXXX XXXX XXXX college student and has never had a bank account so I have to forgive the mistake. She told me the check cleared and I believed her, I sent XXXX XXXX the {$1500.00} from MY Huntington Bank account via XXXX to help my daughter sublet this apartment she no longer wanted. She was in a very frail state of mind because the living situation there was not working out and she just just wanted to go back to University XXXXXXXX XXXX  dorms. The woman had signed the lease already, never did I think things would end this way. The entire situation was a scam, my daughter is devastated and I am in such disbelief. We contacted Huntington Bank who to be completely honest wasn't that helpful and filed a police report. The detective told us to file a claim here. 
Please help me recover my {$1500.00} but more importantly show my daughter that there is justice in this world, this entire situation has pushed her further into her XXXX and XXXX. She has withdrawn from school and has come home. Meanwhile, I am still paying her rent on top of the {$1500.00} loss.

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

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank locked out my online account, requiring me to call in. However, when you call in, the system has no provisions to recognize a mortgage account, only a banking account ( checking/savings ) so you can not actually call in and get it unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Another piece of evidence that PHH operates above the law and actively participates in bad faith business practices. 

1 ). On XX/XX/2022, I received ( via certified mail ) letter from XXXX XXXX XXXX c/o PHH ( see attached Exhibit A ) in response to my Loan Modification appeal ( " new '' loan modification monthly payment was an estimated double monthly payment - too high ). XXXX XXXX proposed a lower amount and gave me 7 days to respond ; 2 ). On XX/XX/2022, I emailed XXXX XXXX ( see attached Exhibit B ) stating that I received her letter on XX/XX/2022 and that my 7 day window started on XX/XX/2022 NOT XX/XX/2022 as listed on her said letter ; XXXX ). XX/XX/2022, I received an email from XXXX XXXX  c/o PHH ( see attached Exhibit C : demanding payment by end of business XX/XX/2022 ( no listed payment amount or source contract depicting agreed to payment simply no payment amount ). Further, in the event that I didn't make said ghost payment " we will not review the account for a modification ''. I called XXXXXXXX XXXX ( XXXX ) XXXX and left a message on her voicemail ; 04 ). On XX/XX/2022, I did response within the timeframe to XXXX XXXX 's XX/XX/2022 letter ( see attached Exhibit D ). 
PHH is acting as a debt collector NOT a mortgage servicer who has been tasked to help homeowners, such as myself, through the complicated loan modification process.

PHH continues to prolong and delay said loan modification process by 1 ). NOT having a single point of contact - I have never spoken directly with my " assigned '' XXXX XXXX. 
XXXX XXXX didn't send the aforementioned XX/XX/2022 email XXXX XXXX XXXX  did. Who is XXXX XXXX? I have know idea as I never knew of her existence prior to XX/XX/2022 email. 
My loan modification paperwork has been lost and not mailed previously. During this whole process, I have had a active Trustee 's sale date over my head. I have had strangers coming to my home because of the Trustee 's sale date. I don't know if XXXX XXXX is an real estate attorney however that is dual tracking as depicted in California law.. PHH 's customer service reps are NOT qualified to deal with people 's homes. This has been nerve wracking and certainly not good for our mental health. 
I just want to keep my home, get an affordable loan modification and move forward from this financial hardship. I hope we are close to resolve this. I have also be approached by many real estate attorneys who are telling me PHH/XXXX have been sued many times for just what is going on with me here. Just search Consumer data base and you can see all the complaints against PHH/XXXX XXXX 
Again, I just an affordable loan modification payment and to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I dropped off my equipment to XXXX XXXX when I cancelled my service with them on XX/XX/XXXX. I asked the representative if there was anything further that was owed, to which he said " no ''. I paid off the account and that was it. Fast forwarding to XX/XX/XXXX I received a notification on my XXXX XXXX informing me my credit score decreased due to a collection ( over 60 points ). I was NEVER notified in writing by either XXXX or Credit Management LP for over {$500.00} dollars. I contacted XXXX and advised them of the issue to which the stated it was for early termination and they should be able to waive it and remove it. After going back and forth I paid {$180.00} ( price owed was less than that I am supposed to be receiving a check in return ). I contacted the collection agency and they stated they wouldn't be able to remove it because they had to go off of the information XXXX had. I never received any notification about any funds being owed by either XXXX or Credit Management LP prior to it going on my credit. I haven't had a collection in YEARS or any late payments. I feel this is highly unjust, unfair and unruly practices being played by the cable company. I closed my account with a {$0.00} balance and never thought more about it from XX/XX/XXXX from what the rep said at the office I walked in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MD

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-02-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my 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