vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
- PHH Mortgage services my home morgage and collects tax payments held in exscrow as part of my monthly payment to them. 
- I contacted PHH Mortgage on XX/XX/XXXX by phone regarding a revised property tax bill I was issued by my County tax. Commissioners office. PHH advised me to send a copy of the bill and supporting documentation to them via email at XXXX which I did. later that day, I received an email from PHH acknowledging the tax bill information was received and would be processed. 
- On XX/XX/XXXX, I received a Notice of Intent to Issue FIFA from the tax commissioner 's office, advising the taxes had not been paid and a new balance was due which included penalties and interest. Payment to avoid the tax lien was required by XX/XX/XXXX, at which time the tax owed would be turned over to a third party for collection. 
- On XX/XX/XXXX, I contacted the Tax Commissioner 's Office to confirm the information and then contacted PHH Mortgage to inquire why payment had not been made. I initally spoek to " XXXX '' and later their " Escalation Manager '' " XXXX ''. They requested I send the previous email form XX/XX/XXXX and the Notice if Intent to XXXX which I promptly did. I also sent a copy of the materials to XXXX and XXXX. I again received an acknowledgment that my email with tax information had been received. 
" XXXX '' advised me that the payment would be made by XX/XX/XXXX and he would call me on XX/XX/XXXX with details as to why the payment had not been made. 
- On XX/XX/XXXX I noticed no payment had been made and called the County Tax Commissioner 's office to confirm, which they did. I then contacted PHH Mortgage and spoke to " XXXX '' with ID " XXXX ''. XXXX advised PHH was in touch with the County Tax Commissioner 's Office and a " sub Loan '' was on the parcel and they had ti investigate. I asked what a sub loan was and she advised she did not know. She further advised that their investigation would complete by XX/XX/XXXX ( 2 days after the new payment due date ) and payment would be made by XX/XX/XXXX. I explained that he tax lien would be applied after XX/XX/XXXX and she replied that they would " take care if it and not to worry. '' XXXX also insisted I would receive a call back from " XXXX '', whom I had spoken to last week today, and I have not received his call. I then contacted the Tax Commissioner 's Office back to inquire about the sub loan PHH referenced and was told there was no other loan on my property and they had no record of being contacted by PHH. To prevent a tax lien from being placed on my property and having no faith in PHH Mortgage to meet their fiduciary duty to pay the tax on time, I submitted payment for the tax due plus penalties and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I have a notification from XXXX is showing that my credit is not going down and it stays at the original amount. I started at {$1500.00}. Can you guys check and see why they keep me pretty much the amount I took out versus the amount I have paid I havent ever made XXXX late payment for some reason they keep reported to the credit company and they keep Lowing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
This complaint is related to my previous complaint against TD Bank. The card accepted charges of XXXX XXXX XXXX, XXXX XXXX although those services were terminated on XX/XX/2022. I systematically disputed those charges and even stopped to use that card. Eventually we agreed that the charges would be removed, and a new card would be issued. When I received that new card and used it once but was shocked to get " previous charges of {$280.00}, Late payment fee of {$29.00} and Interest charge of {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MA

Complaint narrative:
I had some of my XXXX XXXX XXXX with Fed Loan and in XXXX they were put into what I thought was deferment. However the person who put them into deferment didn't code it correctly so on their end it looked like I missed several payments which they reported to the credit bureau and on my end I was under the impression I didn't have to currently make payments. Fast forward to XXXX when I was in the process of purchasing my house my credit score was pulled and it was brought to my attention that I had several delinquent payments ( XXXX ) on my account that was reported by Fed Loan in XXXX. I contacted Fed Loan and after a short conversation I was reassured that they were going to take care of this situation and contact the credit bureau and have it removed off my report and they realized what the person who put the loans into deferment had done it wrong. Now fast forward to end of XXXX I was notified by Fed Loan that all my loans were being transferred to XXXX. I happen to look at my credit score today and realized it dropped almost XXXX points in a month and half and that the XXXX late payments are showing up on my credit report again. I contacted XXXX regarding my credit report and they looked up what the late payments were and said they were all from Fed Loan from XXXX and to contact Fed Loan and they will hopefully be able to help me take care of it again. However I tried to contact Fed Loan to address this issue and Fed Loan no longer exists because now all federal student loans are out of XXXX. When you call the Fed Loan number it automatically disconnects and XXXX said unfortunately they cant help because the late payments were reported by Fed Loan so only they can remove them. So I am coming to you for help on the situation.. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: CORELOGIC INC
State: FL

Complaint narrative:
Had the company to run my credit report I gave them authorization to do so in XX/XX/XXXX and also XX/XX/XXXX. Looking on my credit and its showing the hard inquiries and they ran it in XXXX and XXXX of XXXX when I only was aware of the months I stated in the beginning.

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 2023-02-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-10 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: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 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: PA

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 Section 2 : It also states a consumer reporting agency can not furnish a account without mv 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 2023-02-10 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: PA

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 Section 2 : It also states a consumer reporting agency can not furnish a account without mv written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX # # # # # # XXXX, # # # # # # XXXX, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be 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
Consumer complaint received 2023-02-10 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:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX # # # # # # XXXX, # # # # # # XXXX, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have submitted numerous disputes to each credit bureau as well as XXXX XXXX XXXX XXXX regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to Equifax and each of the other credit bureaus via certified mail return receipt as well as XXXX. Equifax received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to block the identity theft related account from the credit report permanently. I called and spoke with a representative on XX/XX/2023 regarding the FTC Identity Theft affidavit and their violation of FCRA 605B by refusing to block the account. The representative reviewed the letters and information and indicated that they will not block the account at this time, regardless of the requirement by FCRA to have blocked the account by XX/XX/2023 per the 4-day rule. At this time, the agent hung up on me. Call recorded and recording linked on uploaded document. XXXX received the FTC affidavit and information on XX/XX/2023 and the account is required to be blocked within 4 business days, which is XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Attached to this complaint are : - My drivers license - shows ID + address - My social security number - A letter I also sent via certified mail on XX/XX/XXXX - FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 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 15 USC 1681 Section 602 A. States I have a 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 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a Comenity/XXXX XXXX XXXX credit card that was opened under my name on XXXX XXXX XXXX. However, I never opened this account. 

I contacted the Comenity Fraud department, and they told me that there was indeed an account opened under my name. 

Comenity told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud

Company response to consumer: Closed with monetary relief