vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM AMERICAN HOME MORTGAGE SERVICING FROM XXXXTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THECURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WEREOBTAININGFRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION.. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF NORTHERN GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT 18-55697LRC.THE ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF MONEY HOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT.

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 2021-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.

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 2021-10-03 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: AL

Complaint narrative:
I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.

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 2021-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX I closed my US Bank checking account and cancelled their credit card due to Platinum checking account false advertising and deceptive business practices.

I left the saving account open but did not receive a statement for 6 months so I closed the savings account as well. I received the attached letter from US Bank on XXXX stating that I had been de-enrolled in the US Bank electronic 1099 distribution program. I NEVER ENROLLED in the scandalous US Bank electronic 1099 distribution program. US Bank did NOT have authorization to enroll me in anything electronic. This is exactly why I closed all US Bank accounts and terminated the US Bank credit card. US Bank employs deceptive business practices like unauthorized 1099 distribution enrollment and forced electronic statements. I do not and will never bank electronically. When I questioned the fraudulent Platinum checking account paper statement waiver US Bank said they would investigate the bogus charges but never did and continued with their fraudulent fees. US Bank is an extremely dishonest organization. US Bank does whatever they want with accounts regardless of the law. The attached letter is just another example of dishonest, deceptive business practices of US Bank

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 2021-10-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed an account from XXXX for {$75.00} and a few inquiries on my report that I do not recognize

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 2021-10-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have been a loyal customer of fidelity visa card for around 8 years. This was my first dispute charge with an office that basically illegally charged my card for about {$400.00} dollars. I filed a claim, and while I received the closing of dispute in 2 months without any questions asked, I did not receive anything else from the company. When I called, I found out that they failed to reach out to the merchant at all and basically pushed everything back on the consumer without any notification. There is no indication in the electronic account and no email. When you call them to try and settle there is no conversation or any attempt to actually resolve or find any solution. This is all a scam to take the money fraudulently from the consumer.

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 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am requesting all documents pertaining to XXXX XXXX XXXX XXXX, XXXX ga XXXX. This is a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and TransUnion continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

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 2021-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

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 2021-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed an account from XXXX for {$75.00} and a few inquiries on my report that I do not recognize

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 2021-10-03 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: NJ

Complaint narrative:
I noticed an account from XXXX for {$75.00} and a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
Public Service Loan Forgiveness issue similar but different as shown on 60 minutes tonight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX i contacted Capital One to update my payment history. Capital One is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Capital One reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I received a letter from the money source regarding my home being foreclosed in and that I need to pay the full amount. It is my understanding FHA doesnt require full payment and this letter sent to me tells me Im in violation when its clear I am in the forbearance program. If TMS is sending this letter to their customers then they are in violation to FHA mandates and is intentionally providing false information and scaring people about losing their homes. Please investigate this matter and contact this lender to contact their actions. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TX

Complaint narrative:
IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: GA

Complaint narrative:
AmeriFinancial Solutions- account # XXXX Company is in violation of HIPPA, I did not authorize Original Creditor to sale my personal info to a random company. I signed paperwork ( under distress ) at the hospital to release my medical info to my primary care, and other doctors I was seeing in 2016. I asked company to PROPERLY validate the debt by showing bill of sale, my auth to sale my info to 3rd party, some proof that they now own this debt and have the rights to collect on it. Ive never rendered any services or goods with this company and do not wish to do business with them. I was sent a bill with my personal info, and procedures done ( please see attached files ). Company is not registerd in GEORGIA to do business!

I have made several attempts to reach out and resolve this matter with AmeriFinancial, but again, I DO NOT OWE these ppl any money! Please delete this account from my credit profiles. A letter of Intent was sent, and legal action will be taken pending the outcome of this investigation. 

REMOVE THIS ACCOUNT IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 my credit score dropped by 40 points. I bought furniture on credit through Synchrony Bank and paid it off over 12 months with no APR. Throughout these months my credit improved significantly and went up by 40 points. On XX/XX/2021 I made my final payment to them for the furniture and by the time it was reflected on my credit report ( XX/XX/2021 ) my score dropped all 40 points I had gained instantly. I am attaching the credit score update screenshot from XXXX XXXX for your review. I did call them and ask for their assistance in getting to the bottom of this. I was told that if I didn't make a late payment or have bad debt with them then my score should not have been affected. I tried to explain that it had in fact dropped 40 points and the only change reported was that I had paid off my debt. The man I spoke to then advised me to send in a dispute. I have never been late on a payment for any credit card or loan I have ever had, and there is no other info on my report that tells me what could have led to such a drastic drop in my score. Please advise on getting this fixed immediately as I am working hard to continue building my credit so I can buy a home soon. 

Thank you for your 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 2021-10-04 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: World Acceptance Corporation
State: TX

Complaint narrative:
IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I've mailed 3 letters to the company requesting that the debt be validated and/or removed from my credit report ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). The debt has not been validated by the company, or removed.

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