vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
No late payments to date. Tried to resolve with company. I still maintain good standing with account. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I've contacted BARCLAYS BANK DELAWARE & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

BRCLYSBANKDE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Amsher Collection Services 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Loss mitigation complaint and XXXXXXXX XXXXk XXXX, acting as Trustee, failed to properly apply and accept payments in accordance with Federal Law. Securities Act of 1933 ; Securities Exchange Act of 1934 ; UCC 3-104 Negotiable Instruments and UCC 3-603 Tender of Payment. 
Full Payment was tendered and not accepted or applied, as such the loan is paid in full in accordance with Federal Law. XXXX XXXX  also admitted they never had the loan in their servicing network. So no money is owed to XXXX XXXX on my house. They are also using a servicing company, Select Portfolio Servicing to represent them to commit this fraud on their behalf ( See attached correspondence letters with XXXX XXXX ). 
Furthermore, XXXX sent us a letter stating they are in no way affiliated with Select Portfolio Servicing but yet XXXXXXXX XXXX filed the foreclosure complaint as the trustee and Select Portfolio Servicing signed the complaint as Attorney in Fact. ( see attached letter from XXXX XXXXk regarding SPS and the last page of the complaint they filed to foreclose ). 
Rule 1.210 ( a ) of the Florida Rules of Civil Procedure provides, in pertinent part : Every action may be prosecuted in the name of the real party in interest, but a personal representative, administrator, guardian, trustee of an express trust, a party with whom or in whose name a contract has been made for the benefit of another, or a party expressly authorized by statute may sue in that persons own name without joining the party for whose benefit the action is brought.. 
XXXX XXXX  XXXX, meets none of these standing and pleading criteria. We demand written proof from the Trustee and the C.E.O. of XXXX XXXX XXXX. that they authorized a foreclosure on this property by way of Corporate Resolution and Affidavit. XXXX XXXX  XXXX. is not the real party of interest. The real party of interest XXXX XXXX XXXX who originated the Note and went out of business on XX/XX/XXXX. Then XXXX XXXX XXXX who was charged for foreclosure fraud and shut completely down in the State of Florida, had a fraudulent assignment created by XXXX from XXXXXXXX XXXXXXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX, four months after XXXXXXXX XXXX had been closed down. ( see attached assignment and article on XXXX XXXX XXXX XXXX XXXX XXXX is currently committing fraud by foreclosing, case no. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and currently setting a sale date of our home on XX/XX/XXXX. We want all banking operations to cease immediately and an investigation initiated about this XXXX XXXX fraud. 
XXXX XXXX XXXX and XXXX XXXX ( aka XXXX XXXX XXXX ) XX/XX/XXXX 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX, I paid off {$18000.00} on my mortgage which only had around a {$110000.00} balance. In early XX/XX/XXXX, I demanded NewRez do a recast on my loan on a recorded line. During over 40 phone calls, the customer service reps I spoke to pretended they did not know what a recast was except one person I spoke to in XX/XX/XXXX told me NewRez does not do recasts!!!!!! I have my phone bills which clearly shows these phone calls being made. None of the reps ever referred me to the recast department. After writing to XXXX XXXX their CEO, I finally was sent a recast form in mid XX/XX/XXXX but their XXXX program would not let me download the form. After five more phone calls I was finally sent the recast form by regular email in late XX/XX/XXXX. I completed the form ASAP and sent the {$300.00} recast fee which was never discussed with me or the recast form sent to m prior to my writing to their CEO, XXXX XXXX. Now today, XX/XX/XXXX, a XXXX XXXX told me my recast request was rejected because I had not paid off at least 10 % of the loan. THIS IS A VERY BLATANT LIE AND OUTRIGHT FRAUD. 10 % OF THE {$110000.00} BALANCE IS {$11000.00} AND IN XXXX I PAID OFF {$18000.00} WAY OVER 10 %. Anyway I am sending a copy of this complaint to my U.S. member of the House of Representatives, XXXX XXXX, and my two U.S. Senators, XXXX XXXX and XXXX XXXX demanding that the CFPB fine this company for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Affirm from XXXX XXXX in ILLINOIS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage company Freedom Mortgage who was supposed to help me do a VA cashout loan after closing my VA streamline in XX/XX/XXXX. Loan for simply some extra money so I could do some home improvements. This process started XX/XX/XXXX. Shortly after I paid to start the process, I did everything that was needed, I get a letter from Freedom stating that I owed supplemental taxes on my property, that I was unaware as the mailing address was Freedom Mortgage and not myself. I called the county assessor and confirmed that the letters were sent out, and they gave me the amount and date of due no later than. I told my VA cash out loan person and was told specifically not to pay it myself as it would be included in the loan. I then paid for all the inspections they required by XX/XX/XXXX expecting to close 45 days from XX/XX/XXXX. I gave all the required documents with such a lack of communication on there behalf sometimes having to resend the same documentation sometimes 3-4 times! I have multiple emails from XXXX all the way thru XXXX XXXX saying that the supplemental taxes would be included in my cash out loan. Its now XXXX and I am receiving a letter in the mail saying that Freedom the same company that told me not to pay it, now payed my taxes that I was gon na pay myself in XXXX in XX/XX/XXXX and raised my escrow {$800.00} without permission from me, and after being told not to, I am getting now overcharged for their many mistakes and false statements and false directions. This is horrible as I am a Veteran, and that they would feel in their best interest to advantage of me and think they could raise escrow prices as they see fit, but because my premium didn't change it is their loophole to not even give warning and raise someone's mortgage {$800.00}. I have submitted that on XXXX XXXX XXXX they were still saying they would put the taxes in my loan and it wasn't true, they paid the taxes as of XX/XX/XXXX which means they were going to add the loan on top of their raises prices to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This is a wrong information I dont know this company I never leave here my ex partner was living in this apparent complex. Not my information Original Lender XXXX XXXX XXXX Account Type Not Reported Responsibility Joint Age Of Account 1 Years, 3 Months Credit Limit Not Reported Highest Balance {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U. S. C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : Aldo states a consumer reporting agency can not furnish an 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 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: OH

Complaint narrative:
XXXX XXXX ( Original Creditor ) account was placed in collections for {$93.00}. 
The debt collector is WAYPOINT RESOURCE GROUP. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: PA

Complaint narrative:
I am a victim of identity theft I have been struggling with keeping up with all the products that were open in my name. I have to check my report almost everyday because product are opened fraudulent in my name. I haver opened a dispute on this item over to month ago and today I got a alert that XXXX XXXX  was reinserted back on my account I asked for a investigation on the other two account I am a retired vet with a limited income to hire a lawyer for services that I'm paying XXXX to protect my identity by notify my if anything is opened in my name by putting a extended fraud alert on my credit report before extending a new account but they have yet to do so. please hold these company accountable for this because If there are no consequences it will continue to happen. I have attached my FTC REPORT and a new police report so I am asking for help. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian, XXXX and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1661 Section 602 A State I have the right to privacy.

15 U.S.C. 1661 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written my 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 2022-05-19 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:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX

Company response to consumer: Closed with explanation