vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX I reached out to Mr. Cooper requesting that my PMI be removed. I made major repairs to my home and purchased the home below market price. I know my have has a minimum equity of over XXXX. I requested that the mortgage insurance be removed from my loan as I have made substantial repairs and upgrades that makes the LTV to be over 70 %. The representative that took my call informed me that based on the repairs I qualified and that the home had to be appraised. I waited over a month and nothing happened. I called back and they informed me that the order for the appraisal was cancelled but could not say why. I asked why I was not notified and she said a letter had to go out. I informed the lady that I would not receive a letter as my account was set up to receive all correspondence via email. 
She then said, she would escalate to a manager. She then called and informed me that the reason for the cancellation was sent electronically. Which I did receive on XXXX that the reason I did not qualify was " Other and that I should call the customer service desk. '' Which I found this to be an in appropriate reason. I called back and they said that I did not qualify as my loan was not seasoned for two years. Again, I was puzzled as I did not find that to be a qualifying factor when I looked at their guidelines. I again informed the representatives of all my upgrades and the market value of my home. She said she would escalate. Two days later she called to tell me that I did not qualify as the guidelines for the loan to be seasoned was not Mr. Cooper 's rule. 
I informed her that under the Homeowners Protection act, my loan did not have to be seasoned and that I insisted that this matter be reviewed again. She said they would and that I would receive a new letter with the reason clearly described. I have yet to receive a letter from Mr. Cooper and now they claim that my matter is closed. I emailed them the below information and I still can not get them to appraised my home so that the PMI is removed. 



Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the XXXX provides. But these guidelines can not restrict the rights that the XXXX provides to borrowers. For example, the XXXX does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

With this information, please advise how quickly can the appraisal be scheduled since you have had my request for over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I sent certified letters along with proof in the mail to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) XX/XX/XXXX to dispute an account reporting negatively on my credit report. This is not the first time that I've tried to dispute this account with the credit bureaus. 

As of today XX/XX/XXXX I will be sending a certified debt validation letter directly to National Credit Audit Corporation ( NCAC ) which is the collection agency in hopes that this matter is resolved in a timely manner. The account is in a negative state and is hindering my chances of purchasing a home as well as being able to relocate to any other residence of my choice. 

The documents of proof that was sent with the certified letters were the following : 1. A copy of the renewal notice where there is a " wet signature '' not signed by me which states that lease would not renewed ( shows proof of whom signed ). 

2. The residential lease agreement showing the lease end date and when tenants needed to vacate. 

XXXX. A new residential lease agreement with dates to validate move-in and when lease agreement was signed. 

All three credit bureaus began reporting this account XX/XX/XXXX. I didn't receive notification about this account from the collection agency in writing until XX/XX/XXXX. Before that time I knew nothing about an outstanding balance. However I'm aware and know the individual responsible for the debt has refused to make payments. 

Going forward the collection agency needs to provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. I need a copy of a written agreement that created my original requirement to pay. If I'm being asked to pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: CA

Complaint narrative:
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-07-07 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: CA

Complaint narrative:
From XXXX trying to fix errors and information that can not be verified by CRA, Major problem in communicating, obtaining records from furnisher SEE ATTACHMENTS Furnisher re-aging account, failure to provide proof of documents requested via email and CRA continues XXXX verified as " accurate '' then modifies and removes data replaced by Xs which resulted in an INCOMPLETE tradeline with unverifiable 1st date of delinquency and incorrect estimated date that will stay on record. 
FINDINGS OF VIOLATIONS FOR FURNISHER AND CRA AS FOLLOWS : FCRA SECT 605 ( c ) ) 1 FCRA Sect 623 ) 5 ) ( A ) FCRA Sect 609 ( a ) ( 1 ) FCRA Sect 623 ( b ) ( 1 ) FCRA Sect 623 ( b ) ( 2 ) FCRA Sect 611 ( a ) ( 1 ) Furnisher rule 660.4 ( a ) ex-disposition related to payment status, date payment was made, payment amount FCRA Sect 623 ( a ) ( 7 ) ( G ) ( 1 ) 15 US COD 1611i ( 5 ) 15 US CODE 1681e ( b ) FCRA Sect 623 ( a ) ( 5 ) " ..comemencement of the delinquency ... '' as the first payment and not some other later date that would further extend the period. 
Fed Reg IRS Code 166 ... '' creditors in the United Syayes must charge off revolving credit cards at 180n days.. '' Policy : Uniform Retail Credit Classification and Account Mgmt XXXX policy " 180 days charge off '' re-aging only allowed once 12 los if consumer makes a payment. 
15 US Code 1665d- ( c ) ... '' cost incurred by the creditor from such omission or violation ' '' Original bal due reports vs charge off 3x higher. Abusive, still no access to any records to verify any of the information reported by the furnisher and CRA failed 3x and conintues to report. SEE ATTACHMENTS

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 2022-07-07 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:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : 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 2022-07-07 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
XX/XX/XXXX I asked over the phone talking to a person for all withdrawals from our escrow account. The lady said it would be XXXX hrs. Its been 7 days and still havent received anything. When we refinanced in XXXX our closing costs covered {$1200.00} for taxes. Our mortgage company then withdrew the full amount of summer taxes for {$2300.00} from our escrow XX/XX/XXXX. They withdrew {$1000.00} for winter XXXX taxes in XX/XX/XXXX. They owe us a credit of {$1000.00} to our escrow. 
Im not going to tolerate this behavior from any financial company, especially when they gave me all the information to notice this mistake on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I received a letter from MRS for the XXXX XXXX Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/2019 XXXX. iI have repeatedly tried to resolve this with letters and phone calls. First to Ally finanancial then to XXXX XXXX. They send me a letter that states all obligations have been satisfied but then say i owe XXXX. When I call and tell them to look at the statement they agree I paid then send me a collection letter the next month. This has been going on for 3 years. IT is stressful having to deal with this> These companies are so big that nobody knows whats going on. When i would call Ally financial and ask how i could owe this money there response would always be> we do not know our system does not show that. Well how could they send me a bill then. Especially when i have a letter from them saying my obligations have been satisfied.

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 2022-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is the second complaint. 
We have been trying to resolve this issue since XX/XX/2021. 
Til this day we have not received some documents they said they sent out in XXXX. 
Today XXXX XXXX I called and said they have not yet sent out any documents. 
They have to review AGAIN. This has been back and fourth since XXXX. 
On XXXX XXXX We made the first payment after modification to be held in suspense account. So it can count as first payment well now they said to not make the payment until the papers come in. WE NEED TO RESOLVE THIS ISSUE ASAP IT IS AFFECTING EVERYTHING. WE ARE TRYING TO BE OUT OF THE FORECLOSURE AND CONTINUE PAYING OUR MORTGAGE REGULARLY. 

this is ridiculous

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 2022-07-07 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: GA

Complaint narrative:
All of the accounts and inquiries listed below are fraudulent and were opened without my consent. 

XXXX XXXX XXXX Account # XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have XXXX to delete the

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 2022-07-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My XXXX  credit card has not been updated on my Experian report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided Experian with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course Experian website is not allowing me too.

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 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have made multiple requests for Wells Fargo to stop all communication and marketing scams being sent to me physically and electronically and yet they continue to try and contact me. I DO NOT do business with crooks and crooked companies ; they are violating my do not contact and do not solicit requests and should be fined.

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 2022-07-07 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: Total Card, Inc.
State: IL

Complaint narrative:
My XXXX credit card has not been updated on my XXXX report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided XXXX with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course XXXX website is not allowing me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
All of the accounts listed below were opened fraudulently without my consent. 

XXXX XXXX XXXX  Account # 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 2022-07-07 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - ( ATTACHED ) Letter received by Credit Corp Solutions titled ( Second Response to Dispute ) - FALSE & MISLEADING because it was the first and only letter, I received from them. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Credit Corp Solutions to DELETE the negative item from my credit file, immediately. 

XX/XX/XXXX - ( ATTACHED ) I responded to their false & deceptive letter, and I requested VALIDATIION pursuant to CFR 1006.34 XX/XX/XXXX - ( ATTACHED ) Proof by USPS delivered receipt proving Credit Corp Solutions received my letter requesting VALIDATION but they have not responded within 30 days. 

I demand this unvalidated negative item to be deleted from my credit file, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NJ

Complaint narrative:
Amerifinancial Solutions of XXXX MD has been harassing me for over 6 months with repetitive calls from many different numbers. This was a debt created by identity theft. During the pandemic someone had opened bank accounts in my name, stole my unemployment by applying and receiving it all then i was unable to use the benefit and they obtained XXXX XXXX  attention and now this company has harassed me relentlessly and its causing me XXXX. This is not my debt, I even had a police report created for ID theft of unemployment bank account and other services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation