vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
XX/XX/XXXX damage from hurricane Delta happened. I was sent a check made payable to my father 's estate ( I'm the admin ) and also SLS, XXXX. 
With everything happening that year the house didn't get fixed due to foundation issues not covered by insurance. 
SLS never pursued the claim money. XX/XX/XXXX foreclosure sale was executed by the mortgagee by placing a credit bid for the house and it then became XXXX XXXX XXXX property. When this occurs it wipes out any and all debt but in some circumstances if the bid was higher then the credit bid then that creates a surplus owed back to the borrower. And same thing occurs if the credit bid or auction bid is below the payoff balance then the borrower would owe the mortgage company. However no surplus or deficit was created therefore the loan was paid off in full when the mortgagee placed the credit bid. 
I have verified several times that there is no money owed on the loan nor has any collection action been pursued in the occasion money was owed. 
Within these special circumstances since the checks were not considered into the price at foreclosure and the amount was above fair market value the mortgagee relinquished it's insurable interest in the property by placing a credit bid. The loan balance was satisfied. 
I have been giving SLS months to cooperate this matter. SLS like usual they take a very long time to research and get information from " corporate ''. The entire loss draft department can't give me solid answer because it changes with each person I talk to. 

XXXX XXXX XXXX  " If the amount of the bid is equal to or greater than the amount of the promissory note, the mortgagee 's security interest in the insured property is extinguished. And, therefore, the Mortgagee as owner is barred from recovering on a loss which occurred while it was the Mortgagee. ''

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 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently contacted Transunion about inquiries I did not recognize I spoke to several people prior to this one one guy who Informed me that all inquiries disputed will be deleted as well as updates I advise about my employer. As of today none of the information I called about is even showing in dispute or under review. I am asking that all information I requested be removed from my credit report as well as my file be reviewed because the representative mentioned I had two accounts and I wanted to know why and the rep would not provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2022 I received an email notification of a card open, but not my name, from Barclays Bank, Delaware I do not know the name on the card or why I received a notification I called customer service and they asked for my last 4 of SS # and BD- which I did not give. 
They were not able to do anything about it without that information I am concerned the card is open using my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Bank has now put a hold on check deposits to my account in retaliation for my cfpb complaint. I filed a complaint with the cfpb and the first check I deposit after they have placed a hold on. i deposited a check via the mobile app on XXXX. I have never had an issue with bounced checks, I am not new, this is not a large deposit, and I do not overdraft, these are the exceptions allowed and holding my money for 3 days is in breach of the standards. XXXX ID XXXX states that that XXXX dollars need to be released. He refused to address the legal standards to release XXXX $ or all of my check. He hung up on me. This is in direct retaliation for my previous complaint. This has never been an issue before, and now they are refusing to even speak to me. How can I expect a bank to abide by banking laws if XXXX cant provide clarity on the legal standard and lies to me directly about how the process works. He advised me all checks get a hold I advised him it hasnt happened before and asked why it would happen now and he disconnected on me. Previously a portion of the check has been made available. This time none of it is. Why would I bank with a company that wont even trust my checks? Ive never had a bounced check and now they tag me for at risk after a complaint. XXXX and bold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I do not have any knowledge of this company. I think my information was involved in a data breach and got into the hands of the wrong person. I have provided a identity theft report that i have filed.

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 2022-09-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
No knowledge of account or debt with company reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXXXXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
As per my request for full VALIDATION OF THE DEBIT submitted through Experian ( ref no. XXXX ) the XXXX XXXX XXXX XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.

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 2022-09-14 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 — Problem with personal statement of dispute
Company: CL Holdings LLC
State: KS

Complaint narrative:
As per my request for full VALIDATION OF THE DEBIT submitted through XXXX ( ref no. XXXX ) the JEFFERSON CAPITAL SYSTEMS XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Because of Covid, payments are not due as in pre Covid. I have been making some payments as my choice but not regularly. Navient continues to charge interest illegally and send me threatening letters as well as impacting my credit. I don't understand how is this possible in light of the Federal Government 's ruling on XXXXXXXX loans. 

To be clear, I only owe a small amount now to Navient but I refuse to be hassled illegally. In comparison, XXXX XXXX, whom I work with on my XXXX XXXX loans has complied with covid rulings completely. As it should. 

Navient needs to be punished for continuing this type of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: WA

Complaint narrative:
This complaint is aimed at the three credit bureaus ( XXXX, XXXX, and TransUnion ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.

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 2022-09-14 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: WA

Complaint narrative:
This complaint is aimed at the three credit bureaus ( Equifax, XXXX, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Atlanticus Services Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I was noticed a fraudulent charge on my credit card and immediately notified the credit card company, Fortiva. They stated they would be investigating it and to not worry about it and that they would be sending me an affidavit within 10 days. 12 days later I noticed I had not received the affidavit and called several times to get this affidavit. on day 16 I finally received this affidavit that was dated XX/XX/XXXX and the attached letter stated " return it to us within 14 days of the dated of this letter. '' I have continuously called about this matter to the number provided, XXXX, and can not contact anyone regarding the matter. 

I also contacted the XXXX XXXX store that the charge supposedly originated from and they stated they had no record of this transaction. 

XXXX ID XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation