vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My partner and I paid a {$4000.00} retainer to XXXX XXXX XXXX who promised to secure a loan modification with XXXX XXXX XXXX. We were told to not make any mortgage payments while the loan modification was being negotiated. XXXX XXXX XXXX told us to not communicate with XXXX XXXX XXXX, and that any written correspondence was to be forwarded to XXXX XXXX XXXX. We waited many months but never received a response to our application. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX would return our calls, and we were left in limbo. During this time, the property came up for auction TWICE ; each time we were told to file XXXX XXXX bankruptcy. Eventually the COVID pandemic hit and caused delays and difficulty in reaching XXXX or XXXX, as well as making it difficult to reach appropriate government agencies to request assistance. During the COVID pandemic, my homestead became the target of a very disturbing tech-enabled real estate mobbing operation which has been disrupting my daily life and subjecting me to extreme forms of abuse  for the past three years. Several individuals participating in this real estate mobbing operation have attempted to claim ownership of my property. Many false claims have been made which is causing a great amount of confusion surrounding the status of my ownership and everything related to the servicing of my mortgage loan which has recently been transferred to a new servicer. Upon receipt of the new company 's Welcome letter, it was discovered that the loan documents contained the wrong name and possibly other inaccurate information. The loan is under the estate of my mother, XXXX XXXX XXXX. I was verified as a successor in interest, and authorized as a third-party on the account, but I never assumed the loan. The property has some business tax liens from my mother 's company that were supposed to have been removed from the tax rolls. At this time, we have received notice from a law firm in XXXX that the property is scheduled for foreclosure auction on XX/XX/2022. We do not know who is foreclosing on our homestead. The XXXX received a default judgement against me in the past year, and we were lied to by the XXXX 's attorney who promised us an out-of-court payment arrangement. I am an independent adult living with XXXX. I feel that my XXXX has been used to discriminate against or to take advantage of me. I have also been told that by not having a XXXX  or XXXX, that I am unfit to own my property in this community. Please help me save my family 's homestead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXccount # 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 2022-06-20 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: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc.
State: CT

Complaint narrative:
I was alerted to a new account on my credit report which I did not open. I reported the fraudulent account to the company and no action has been taken to close the account and remove it from my credit report. My credit monitoring says a new account was opened at Kikoff Lending on XX/XX/2022. I received the alert for the new account on XX/XX/2022. I contacted Kikoff customer support on XX/XX/2022. Kikoff customer support asked me to fill out an affidavit relating to the fraud. No action has been taken since. I have not been updated on the progress of the investigation and nothing has been said about freezing or closing the account.

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 2022-06-20 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: Atlanticus Services Corporation
State: OK

Complaint narrative:
I am aware that Fortiva is reporting my information correctly I am trying to request a goodwill adjustment on 1 late payment. I was very happy with the company and the use of their credit card service I'm requesting my credit card open date to be changed to XX/XX/2017. I was a very loyal customer making 99 % of my payments on time in over 5 years I'm asking for some help. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXXl XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: FL

Complaint narrative:
I have repeatedly asked to have removed A- item for {$200.00} that's over 7 years old from XXXX XXXXXXXX bank that was purchased by a debt recovery company called portfolio recovery it was removed by the credit reporting agency XXXX but it still remains and is retained on Equifax so I'm trying to get it removed repeatedly and they just keep updating it but don't remove is it shown as an old account but a negative account and it is on a ring my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
My mtg loan was with BS Servicing ... they sold my account to SN servicing Corp ... .I owed about {$3000.00} to BS Servicing due to mild XXXX and illness. After SN servicing took over i paid on time AND with auto pay from my checking account. I asked them to put the arrears from BS servicing on the back of the loan because they said I owed THEM, the new company, the arrears now ... ... I informed them, XXXX XXXX, that I only bring in XXXX per month ... ..So I continued to auto pay and I always paid early ... .In XXXX I had illness and used some funds for meds and Dr.office visits cab fair ... .and I thought it might overdraft my account so I bought a money order and sent it instead ... .I also informed XXXX of this via voicemail and written mail enclosed with the money order. They went into my checking account anyway and took it out. I then asked him to apply the extra payment sent v ia money order to XXXX payment ... ... I was then called by XXXX and told he applied it to the arrears and I need to pay for XXXX with more fees attached, as I put a temp stop payment so I did not pay twice again ... .I am XXXX, have a XXXX XXXX and they are trying to take my home... Why are these companies allowed to use semantic, legally to steal homes and its all ALLOWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
In accordance with the Fair Credit Reporting act XXXX Accounts : 1. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX  XX/XX/2021 TRANSUNION XXXXXXXXXXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TRANSUNION XXXX XXXX XX/XX/2021 TRANSUNION, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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:
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XX/XX/XXXX XX/XX/2021 XXXX XXXXXX/XX/XXXXE XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAXXX/XX/XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Under 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. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: FL

Complaint narrative:
XXXX XXXX XXXX, TransUnions LLC, XXXX XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022XX/XX/2022

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 2022-06-20 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, Experian XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.

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 2022-06-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was informed by bank that my account was being acquired by Citizens Bank, and I was fine with the transition. After the account was set up with Citizen, I inquired and found out that there would be a monthly recurring charge. This was not disclosed when I was informed of the transition. I asked Citizens to close the account and refund my balance in XX/XX/2022 via check. I followed up two weeks later and there was no change. I again made the request. About a week later, I see online that it was closed. About 3 weeks later, I had not received my refund. I followed up and was advised by an agent via chat that could not provide a status on my refund. I asked that the matter be escalated. I was told that it would be directed to the Chairman 's Office and I would get a phone call in 2 business days. It's about a week and a half later and no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
For the past year or longer I have repeatedly disputed two accounts with XXXX XXXX that are not mine. The credit reporting agency XXXX XXXX and XXXX would remove them and my score would begin to recover then it would appear again as a collection I would dispute and it would be removed. I now have been combating this account as Jefferson Capital Systems. The bureaus will no longer allow me to dispute the entries and I have repeatedly sent letters requesting debt validation and all I get are letters for payment plans. There are 2 accounts onXXXX for XXXX and one for $ XXXX. These are NOT MY accounts. Please help me remove these from my reports and stop them from placing them on my reports. They are trashing my credit score and fico scores and these aren't my accounts. I never signed for or authorized any account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
In accordance with the Fair Credit Reporting act 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 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I thought I was disputing the fee for the target red card and sent them a letter to provide documentation that is legally required based on the Fair Credit Reporting Act and they still did not nullifying the debt. They kept charging me late fees and reported the amounts to the credit bureaus without a letter of dispute - another violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have requested and not received the actual documentation showing my signature on for this loan. I did attend one semester at XXXX but didnt attend a second semester. I am being told this loan is for a second semester which I didnt sign for. XXXX took the money and didnt return it to the government. I am not liable for this money as XXXX basically stole it.

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