vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I spoke with a supervisor and many of people in XXXX about the payment ahead that was lost everybody can see it on the screen and XXXX of XXXX but nobody can apply it but a supervisor. The supervisor said she put it towards my escrow that was a complete lie because it never was there in XXXX XXXX XXXX and so forth. So let 's just State for the record XXXX and XXXX in XXXX was who I went XXXX for {$44000.00} loan. They sold me to XXXX 's XXXX specialized Loan Servicing LLC in XXXX in XXXX I paid my first payment to them in XXXX I've been a payment ahead since XXXX before they even thought of buying my own or as XXXX and XXXX say they transferred me but it means sold but I guess I don't know what a dictionary is because it means two things sold and transferred. Now since I've been with them this is been a horrid XXXX nightmare I can tell you that much. I went through my general attorney got nowhere I have submitted a large package to the Consumer Financial Protection Bureau and gotten where I am right here today every bit of evidence was in there my check statements their statements taxes everything I canceled one check because I sent it to Texas it was for the escrow repeat for the escrow of this house I paid them {$3500.00} in escrow in the year of XXXX, which is twice the amount. Now I am getting complaints basically they're defacing my credit and this is just absolutely unacceptable and I am going to pay my own insurance because they can't even keep track of my payments I will start paying my own taxes in XXXX as well I've been here XXXX years and there's only {$6000.00} paid off on my house I think there's something extremely wrong with this picture people that is a fact and every time I try to call these people I get know where computer shares is in your guys 's system in the government is like XXXX companies they are all red flagged as do not deal with them XXXX and XXXX knew what they were doing when they sold me to SLS XXXX XXXX so no this is just this is wrong completely wrong to be sold to a another country third-party the whole XXXX yards and all I've done is sit in my house and pay my mortgage on time and even a payment ahead and I proved to you people in that envelope that I am still a payment ahead and I always will stay a payment ahead my bank statements were in there and my mortgage statements were in there these are the all the checks that I wrote them and the days that they wrote them on if I can submit the paper the pictures that I have and then of course it states on the XXXX XXXX XXXXXXXX that they sent me that I basically started the loan with them and that's a lie.

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP
State: UT

Complaint narrative:
I received a debt collection notice about an old debt that was included in bankruptcy and confirmed by the State of Oregon. I did not even know that I still owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX 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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit acceptance is reporting as XXXX accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX co there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

acceptance now account is inaccurate across XXXX reporting agencies

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 2022-05-02 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: LA

Complaint narrative:
I've been getting denied for mortgages, new credit cards and loans for over 2years now due to inaccurate information being reported on my credit profile. Experian stated that my accounts were properly investigated but how is this if all the status update are 2-3 years old. If they did a proper investigation, then those dates would reflect something ending in 2022 but that's not the case because no real investigation was done. I've circled all the violations made by Experian in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also they took more than 30 days to complete my investigation

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I faxed my IDs so NCTUE could update my information & address and have NCTUE mail me a full report. Never received it? 

On XX/XX/XXXX, again, faxed my IDs so NCTUE could update my information and have NCTUE mail me a full report, never received it? 

Plus I have attempted to access the automated system many times, putting in my ss #, house # & zip code, I am never recognized. 

I have never received any letters from NCTUE telling me about any type of problem on why my report can not be mailed? 

I have included the both faxes sent to NCTUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NC

Complaint narrative:
In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-02 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: ERC
State: SC

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date of Transaction - XX/XX/2021 Amount of Payment - {$210.00} Paid by Corporate check by XXXX  XXXX XXXX to Wayfair Wayfair claims to not have received this payment. The corporate check was received by by XXXX XXXX  and deposited into an account as referenced in the attachments. 
At the time XXXX XXXX  was the issuing bank and XXXX  XXXX XXXX indicated that it was the responsibility of the issuing bank to inform them of the bank change. After continued harrassment from Wayfair and Citibank, and further research and communication with XXXX XXXX, XXXX found the money in another account which I had with them. They refunded the {$210.00} to me in XXXX and in turn sent Wayfair this amount. I never missed a payment and have use bill pay options to make my payments. In good faith, we paid the full amount to Wayfair before it was due. The changing of issuing banks should not fall on my after the fact that it was paid and neither I nor XXXX  XXXX XXXX should be responsible for lates fees or interests accrued since XXXX of XXXX. 

I have also filed a complaint with the XXXX. Wayfair did not want to take responsibility or consider helping in the research to where the funds ended up nor did they consider the situaiton to find a solution except asking or money. Wayfair and Citibank ( who is now the issuing bank ) continued to call me and send notices for payment until I told them to stop. 

Please help me with this situation. Thank you so much!

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 2022-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress..

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress..

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix

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 2022-05-02 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies Transunion LLC, XXXX and XXXX Information services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : 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 non-monetary relief
Consumer complaint received 2022-05-02 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, Experian and XXXX XXXX services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : 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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX ) is attempting to collect a debt from HSBC that was discharged in bankruptcy. They have called me and several members of my family. They have threatened to serve me legal papers at my home or work, but they don't know either address. Their only information is out of date ( 10+ years ). When I contacted HSBC about it, they said they haven't heard of the company and they didn't hire them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
Reached out today ( XXXX ) and spent XXXX and XXXX being passed around from department to department. And NOBODY could/wanted to discuss where my increase in payment was from, I understand shortage in escrow but when my taxes had very little change and my insurance only changed {$220.00}. But to have a shortage of $ XXXX?!? They also could not and would not provide a valid contact number to the actual Mortgage holder ( which happens to be the same as the company acting as a 3rd party ) just a bunch of passing the buck, after clearly explaining and identifying myself EACH time! What a waste of time and unprofessional way to treat the consumer. Just want clear and documented numbers of where this increase came from and how especially having ALL current info at the time of the projected years change And each time I reach out to inquire on my mortgage or ask for information I get NOWHEREThus resulting to reaching out to the CFPB which amazingly I get a call back/from the company and FROM a person who can correct/fix the situation the first time

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have a credit card issued by Bank of America. That card was stolen XX/XX/2021 - the theft was reported to B of A following fraudulent charges in excess of {$1200.00}. 

The short story : Bank of America refused to waive the charges. I wrote Bank of America explaining the situation and included the police report. They refused again. 

I filed a complaint with your organization ( Complaint ID XXXX ). Your Consumer Portal indicates the file is closed - seems Bank of America responded. 

I'm making minimum payments on the fraudulent charges to maintain my credit score but get no satisfaction or explanation from Bank of America. 

Where do I go from here? 

PS : I have a voluminous file but have no idea how to copy ( or upload ) documents

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 2022-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
see attached debt validation/ bona fide dispute

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