vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I recently complained about Specialized Loan Servicing LLC as they were not and still are not applying my payment to my Mortgage. 
1 ) Each Payment comes with a payment coupon that tells the Company what to do with my payment. 
2 ) My last complaint stated that the company was not following Federal Rules, which state that the check is to be cashed upon receipt and applied to my loan upon receipt. 
3 ) This company is NOT FOLLOWING FEDERAL RULES as once again instead of applying my payment to my Loan, they have put my payment in the XXXX area. 
4 ) The website said my next Payment due was XX/XX/2022 and I sent Check # XXXX to them to pay XX/XX/2022 mortgage payment. This check cleared my XXXX XXXX today, XXXX but it was not applied to my mortgage payment, it was instead put in the XXXX funds area. 
5 ) That Money needs to be applied to my XX/XX/2022 payment and when I logon to my account it should say my next payment due is XX/XX/2022. THIS SHOULD HAPPEN EACH MONTH. 

I WILL NOT ACCEPT THIS BEHAVOIR FROM SPECIALIZED LOAN SERVICING LLC, THEY WILL FOLLOW FEDERAL RULES AND APPLY MY PAYMENT TO MY ACCOUNT OR I WILL GET A JUDGE TO TELL THEM WHAT I AM TELLING THEM. 

I do not wish to hire an attorney and take them to court because it will cost them to defend their position of not applying my payment to my account. This is the company 's last chance to follow the Federal Rules concerning Mortgage Payments. All they have to do is apply my payment to my account WHEN RECEIVED and change the due date to the next month. 

XX/XX/2022 payment has been made, my account should now say XX/XX/2022 is next payment due. Since they tell me all they are doing is Servicing the loan, they are not the holder of the loan, then that would mean that XXXX XXXX still holds the loan. XXXX XXXX had no problem keeping up with my payments. They always sent me a payment coupon with the correct payment due date on it. 

Being the Consumer Financial Protection Bureau you should be able to force them to follow the Rules in handling Mortgage payments. I am not asking you to be my lawyer, I am asking you to enforce the rules already in effect. If I choose to make a Principal Payment, I will note it on the Payment Coupon provided by the company.

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 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
I started to refinance 3 properties in XX/XX/XXXX with a lender I have worked with for years. I was approved and HomeBridge ( one of the current lenders at that time ) was notified of my refinance. XXXX XXXX, with HomeBridge reached out to me to keep my business, they could do the loan at a less rate & closing costs. I moved one property over, then the other XXXX. I submitted all the requested information, signed all the disclosures and things were moving along. I was assured that my XXXX did not to be filed as we were funding in XXXX. Things started get to suspicious. I was then told in XXXX you need to file your returns and the rates will be expiring. I was getting frustrated as this wasn't what I was told and led to believe. My refinances were then transferred to XXXX XXXX with XXXX to " expedite '' the process and put me top of the line assuring me rates are locked. I have been dealing with XXXX for XXXX  months now on closing the original XXXX refinances. These refinances are unethical when I have signed disclosures, email from XXXX XXXX HomeBridge we need one last piece of info and we can fund by XXXX, then to be strung along for XXXX months to not honor what was started and agreed upon. XXXX didn't return phone calls for 30 days for a business promotion and sometimes a week at time for business travels which dragged on the loan process but I was assured dont worry, your rates are still locked, and with the amount of time this has dragged on and for customer relations, Ill take off $ XXXX {$4000.00} in closing costs on XXXX XXXX XXXX 
I supplied everything that was needed, I was approved, had paid for XXXX appraisals, signed disclosures on all XXXX properties. This dragging it out for XXXX  months, then to have my rates expired ( guess they werent locked ), is on the lender. I did my apart as a consumer and supplied everything as requested asap to close these XXXX refinances. You will see the emails dragging on and on. XXXX reached out to me XX/XX/XXXX and XXXX XX/XX/XXXX says you need your XXXX tax returns, which at that point a XXXX day rate lock is expired, even though I continued to confirm locks were in place. I was told verbally, husband and client had heard the conversation as well. I have emails saying nothing of we need your XXXX returns. She states we want to close in XXXX, please sign the disclosures. On XX/XX/XXXX XXXX reached out to me after being " caught up to speed '' with my scenario of not having my XXXX returns. I want the loans refinanced with the original terms agreed upon with HomeBridge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : 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 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 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 explanation
Consumer complaint received 2022-05-02 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The Company name is Credit Collection Services. This company is listed on my credit report for debt of {$670.00}, I have never had contact of any kind with this company and also never received any info regarding this amount. Please provide thorough investigation into the accuracy of this debt. Again there was no info ever sent regarding this matter which has harmed my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: NE

Complaint narrative:
I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: LEXISNEXIS
State: VA

Complaint narrative:
on XX/XX/2022, per my conversation with Lexis Nexis,. They are still reporting incorrect information ( Bankruptcy ) that was not verified by the original source. XXXX XXXX XXXX XXXX XXXX XXXX  ) stated that Lexis Nexis did not contact the courts for verification and relied on a 3rd party vendor for for verification. When ask, they refused to give me the source. Im requesting that this information be removed per FCRA due to un verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent XXXX, XXXX and Experian letters in early XXXX  they were have said to arrive to the Bureaus on or around XXXX XXXX A few accounts were not mine and I requested for them to further investigate and within 30 days to try to resolve the issues. It has now been 48 days, and STILL NO response from XXXX or Experian and then XXXX sent me a letter on XX/XX/22 stating that " it doesn't appear that me or a properly authorized third party sent the letter '' I am at a loss as I am trying my hardest to get this resolved and with no help. Can someone please assist me? I feel like I am getting the run-around! I am not able to do many things with my credit being compromised like this. I Have been dealing with this since XXXX of last year, and I also reported to Identity theft to the FTC and have 3 separate reference numbers.

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Around XXXX XX/XX/2021, I called XXXX XXXX XXXX  to change my phone number, because i got a new phone. A customer service person, instead of changing my number to my new number, this person gave me a different number in which I didn't want. I kept repeating myself to him that all I wanted to do was to change my contact number. We got disconnected, so I called them back and talked to another customer service agent, I explained to her what happened. So she helped me out and cancelled that number and put it my new number, so that way I can use my XXXX XXXX XXXX app to pay my cable bill. when I looked at my XXXX XXXX XXXX XXXX I discovered that someone had used my account to order a XXXX XXXX phone and that new number that the other agent gave me in which I didn't want was still there. I called XXXX & XXXX back and they once again removed that number and sent me to the fraud department. I canceled both cell phone and cable with XXXX XXXX XXXX, but I paid off my cable bill. I have never missed a payment and I refuse to pay for the wireless service for a number that I never had. Can you please help me in this situation. Its unfair for me when out of almost 20 years in the military and being in debt because of my XXXX, I had finally build my credit into the XXXX. Because of XXXX XXXX XXXX now my credit went down a lot. Please help me. Thank you. XXXX & XXXX Incident number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: OH

Complaint narrative:
I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.

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 2022-05-02 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: EdFinancial Services
State: CA

Complaint narrative:
I had a loans transfer to another company ED Financial Services. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : 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 an account without my written instructions 15USC 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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MA

Complaint narrative:
Got the attached letter in the mail today, called them they were no help. 

Called XXXX and they know I do not owe that I pay in full monthly. Not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent. 

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.

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 2022-05-02 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 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent. 

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX XXXXcount # XXXX - XXXX account # 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 2022-05-02 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: LA

Complaint narrative:
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reportinXXXX XXXX XXXXXXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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 2022-05-02 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: LA

Complaint narrative:
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
I received a letter in the mail in regards an account I do not recognize for the amount of {$1100.00} I have asked them multiple times to verify this account by sending me all documents requested, what type of services where given at XXXX XXXX XXXX XXXX please be advised that I do not give any authorization to XXXX XXXX XXXX to release my medical information since its very sensitive information. please be advised that if they cant verify this account it must be removed from my credit report if they report it to the credit bureaus its a violation of the FAIR CREDIT REPORTING ACT. reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
Over 2 months ago I informed Equifax that they are reporting a fraudulent item on my credit report and that it should be removed immediately. They have responded through the cfpb portal that they need an account number and name. I have clearly given this information through cfpb in XXXX.

Company response to consumer: Closed with explanation