vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
For over six months I have been attempting to work out a Loan Modification agreement with this company since the end of 2021. I do not believe this is a legitimate company and I feel that they intentionally engage in dishonest tactics and unfair business practices. The CFPB does exactly nothing about it, Per my attorney 's instructions, I am filing a final complaint before commencing a lawsuit. I requested a loan modification due to employment income loss from XXXX which has never returned. I couldn't afford my payments prior, and now LoanCare has made me an offer raising my FHA interest rate from 4.00 % to 5.20 %, and my monthly payment from {$1600.00} to {$1700.00}. No reasonable person would agree to this offer, therefore, I can only believe the offer was made in bad faith. Additionally, LoanCare turned my account over to collections during the review process of their loan modification process, which I believe is a violation of the Fair Credit Reporting Act. 

I have attempted to work this out with the company directly multiple times, they refuse. Therefore, since the company is aware I couldn't afford my payments previously, refused to lower may payment and APR as requested, and has assessed bogus attorney fees {$1000.00}, which I will not pay. 

If LoanCare wishes to avoid a court resolution to this matter, they can re-extend the previous offer to lower my payment and APR. If not, I will have to pursue any and all available damages in court. No part of me believes LoanCare is a legitimate business or that they executed any of their dealings with me in the past year in good faith. 

I have also applied for assistance from XXXX for funds to pay all of the back payments I owe to LoanCare. If I receive these funds, it would bring my account current with LoanCare. They would then have no basis for any of the actions they have taken against me, including foreclosure during their own modification review process. 

I would also like to reiterate the company made me a different offer previously for a lower payment and APR, so it can be done. However, because LoanCare so XXXX, the documents arrived after their expiration date, so they were invalid and I had to start the process all over again. I'm asking LoanCare in writing, one final time, to do the right thing and re-extend the previous offer, they claim expired due to their mail issues, to avoid litigation.

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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 8.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX TransUnion XXXX 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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX 8.XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX Equifax 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 15 U.S.C 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 2022-06-15 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: CA

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 an account without my written instructions 15 U.S.C 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 2022-06-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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  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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
I monitor my Credit reports, Dark Web and Identity and related accounts and activities daily/weekly, as I am an XXXX in XXXX at XXXX and have encountered and been a victim of multiple breaches and fraud due to the nature of my work. 
I received email alerts this week from multiple sources notifying me of unexpected activity on my reports across multiple agencies of which resulted in a credit score drop of 30points. 
I immediately accessed my reports to investigate and found that an unknown company filed a collections against me, without my knowledge and/or having received any communications written or otherwise. 
I immediately have submitted disputes via XXXX and XXXX! stating the debt was incorrect. The company came back within 2 business days and responded with repeat submission. 

It appears to be an Apartment building debt. I did in fact reside at the apartment referenced, however I moved out in XX/XX/2020 and paid monies owing. 
It is critical to note that my move out was during the height Covid and lockdowns. Paid my rent each month, and did not default or live rent free like many other tenants did at the time. Also a key legal consideration : the management leased my home to a new tenant and they began moving in/shipping furniture etc to my apartment BEFORE I moved out. I was NOT notified by management on-site I f a new tenant nor given notice verbally or written of this. The result : I was forced to find a new home/move out within one week of determining on my own that my home was being occupied by someone else whilst I was living/working from home. 
This was traumatizing and their actions or lack thereof left me vulnerable at an extreme moment in time and they expressed no remorse or options. I consulted an attorney who agreed that the management company was in the wrong ethically, and who advised me that the process to fight the wrongdoings would be both costly and lengthy for me. 

I resided at the luxury apartment for over 6 years and all payments and communication were done in good faith, with transparency and professionalism. 
I request that the CFPB investigate not only this charge but the volume was f charged/complaints received for said apartment, as I know there were others at the time who had horrible experiences and simply left/moved without paying or completing and broke their lease contract. 
I at no time broke a lease contract. 
This debt collection is unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CA

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 an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-06-15 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: CA

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 an account without my written instructions 15 U.S.C 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 2022-06-15 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 Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 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 2022-06-15 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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: ERC
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Professional Finance Company, Inc.
State: MD

Complaint narrative:
I received a debt collection notice dated XX/XX/XXXX for the remaining balance of {$200.00} from Professional Finance Company , Inc. on behalf of the original creditor, Anesthesia Partners of Maryland. I began making monthly payments to this collection agency on XX/XX/XXXX - {$20.00} ; XX/XX/XXXX - {$20.00} and XX/XX/XXXX - {$20.00} ( payment receipts attached ). As of today, the balance remaining is {$140.00}. This collection agency reported to the credit bureau on XX/XX/XXXX that I owe {$160.00}. I have been making regular monthly payments and this should not have been placed on my credit reports as a collection account since a payment was made on XX/XX/XXXX. I have disputed this matter with all credit bureaus to have this collection account removed. 

The payments were made through XXXX which is the payment system Professional Finance Company sends to consumers to make payments. This is noted on their website at www.paypfc.com.

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 2022-06-15 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: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-06-15 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: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without 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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX 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 XXXXXXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP
State: NY

Complaint narrative:
Every day of XX/XX/XXXX I have received calls from XXXX and XXXX claiming there was a problem with my KeyBank account ( presumably an old student loan that has been paid off ). 

XXXX XXXX I spoke with a woman who immediately requested the last 4 digits of my social. I curtly replied I was not providing any confidential information. She then requested my street address to " verify '' I was the account holder. I replied " no '' again. I then asked for a callback number and her name. She replied XXXX ( sp? ) XXXX, office # XXXX, and gave the callback phone number of XXXX. 

The calling number and the callback number both appear fraudulent. I called KeyBank using the phone numbers listed on their website and verified there is no problem as there is no account to have a problem with. 

CPFB or the FTC should revoke and disable the XXXX, XXXX ..., and XXXX ..., toll free numbers associated with this fraud group since toll free calling numbers give an air of legitimacy to the caller. The phone numbers have been operating since XXXX. It is an absolute disgrace to think the numbers are still active and being used to perpetuate fraud to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to XXXX and Equifax about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to Equifax and XXXX. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX bank account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. states A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX my husband was in the hospital with XXXX XXXX and I reached out to our mortgage company to get advice. I declined refinance and forbearance at that time due to thinking my husband would get better and come home. In XX/XX/XXXX I called back to our mortgage company Mr. Cooper and spoke with the same representative and had our mortgage put in a forbearance as my husband was then XXXX XXXX XXXX I was told the exact same thing as in XX/XX/XXXX that at the end of the forbearance I could either pay the back payments or get our payments deferred and put onto the back of the loan with zero interest or penalties. In XX/XX/XXXX before the Forbearance was coming to a end I called to speak with them and have the deferment of payments put on the back of the loan due to the fact that my husband ended up passing away XXXX XXXXXXXX. At that time I was told I was not able to have a deferment and that I needed to apply for a loan modification which would help me lower my interest rate and monthly payment making it easier for me. They sent me it's me the paperwork immediately and I filled it out and mailed it back with all proofs and verifications that they needed. They continued to string me along and ask for documents over and over that I had already mailed in multiple times and this went on from the beginning of XX/XX/XXXX until the XXXX week in XXXX of XXXX. On Saturday XX/XX/XXXX I received a text message from Mr Cooper which prompted me to check the Mr Cooper app which said my application for my loan modification was denied and I needed to come up with over {$27000.00} in back payments. I called immediately Monday morning in distress and the lady I spoke with said that wasn't accurate and it was approved and I will be receiving a packet in the mail and it'll benefit me and help me with lower interest and payment. I went out and got the mail and the packet was in there however it was the complete opposite. They want to raise my interest rate and monthly payment. I called again and spoke to another lady as I have not 1 time been able to speak with or get ahold of my loan specialist through this entire process. This lady said what I was told initially sounded correct I should have been offered a deferment of payments and didn't understand what was happening. She then put me on hold and spoke with superiors and colleagues and said she was wrong however was going to put in a email to the loan modification department to re-look at this and she would call me back by Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX. I have received as of now no call except a message from a different random lady about calling to settle this. I call back and can not get the lady on the phone I spoke with on Monday XX/XX/XXXX about this mess. I was advised to call HUD which I have and also was advised to file this with you. Anymore questions please let me know

Company response to consumer: Closed with explanation