vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: MD

Complaint narrative:
N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that 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 2022-06-21 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: MD

Complaint narrative:
N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX XXXX bankruptcy filing Docket 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 2022-06-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX  XXXX bankruptcy filing Docket 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 2022-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was only informed about the change in servicing when Navient deducted almost {$2000.00} for a payment I thought was paused nationally. Now, I am not unable to upload application documents on Navient, and completely unable to log into XXXX. Phone calls are never answered, no call back. I need to submit application information for new payment terms and have no way to do so before additional funds exceeding 15 % of my discretionary income are taken from me, or I go into delinquency. Navient sold this debt to collect during a federal pause, and have now made it impossible for lenders to apply for affordable payments. This is such an abuse of the system and creates great harm to all borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.

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 2022-06-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I disputed a transaction dated XX/XX/XXXX by merchant XXXX XXXX ( aka XXXX  ) on my Chase credit card ending in XXXX for a partial amount of {$2800.00} for return leg tickets of a round trip. 
In the dispute resolution letter XXXX, the merchant claimed in summary ( page XXXX attachment ) that tickets are sold as non-refundable, but presented evidence in the letter that contradicted their own summary. Based on the summary statement, Chase has resolved the dispute in favor of the merchant, finding no billing error, which again contradicts the evidence. 

SUMMARY : The attachment shows that the merchant has provided evidence against themselves showing bait and switch by them. Essentially, the merchant policy says ticket cancellation should be done 24 hours before departure, but as per their own statements they refused to refund tickets 4 days before departure. Their claim, which is merely a summary statement, is contradicted by every policy and evidence presented by them or me. 

I provided this evidence and contradictions to Chase in dispute claims XXXX and XXXX, both of which were resolved by Chase in favor of the merchant saying While you may have a valid complaint no billing error occurred on your account., which violates Fair Credit Billing Act for following reasons : REASON XXXX : The merchant refused to provide a refund option on XX/XX/XXXX ( 4 days before departure ) as contracted in Ticket Policy ( Evidence XXXX, XXXX and XXXX ) and Airline Policy ( Evidence XXXX, and XXXX ). This is a billing error under 15 U.S. Code 1666 ( b ) ( 3 ) goods or services not delivered ... in accordance with the agreement made at the time of a transaction.

REASON 2 : At the time of departure, tickets were in canceled state and couldnt be used.

REASON 3 : The merchant violated Federal Regulation 14 CFR 399.80, which is a billing error under 15 U.S. Code 1666 ( b ) ( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: OH

Complaint narrative:
Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.

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 2022-06-21 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: OH

Complaint narrative:
Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.

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 2022-06-21 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: OH

Complaint narrative:
Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I received a notification from my credit report that Receivables Performance added a debt to my XXXX credit report. They did not include any information about the debt owed ( account number, original creditor, amount owed ). Receivables performance was unable to provide me with any information including my signature on a contract and to verify the debt is actually owed by me and I am demanding immediate removal from my credit report. Also, Receivable Performance never sent any collection correspondence by mail that would have allowed me to dispute in a timely manner to rectify the discrepancy.

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 2022-06-21 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX, Account Number XXXX ; Carrington Mortgage Company, Account Number XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I placed a credit freeze with Experian some time ago. At the time, Experian did not require an online account to place the freeze and simply gave me a PIN number to unlock the freeze. Yesterday I went to unlock the freeze for a mortgage application and was told that I would have to create an account to do so. I tried to create an account, but it did not work. I called Experian and was able to lift the freeze through their automated phone system. However, today when my mortgage broker tried to run a credit report, it said Experian was still frozen. I have tried to call Experian numerous times to speak with a human or solve my problem. However, I can not find any way to speak with anyone about this and have no idea how to solve this problem. My wife and I are close to missing out in being able to make an offer on our dream home because of this. We're very upset about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I went into a COVID-related forbearance on my VA Loan during the approved period. I voluntarily ended the forbearance and began remaking regular payments. I never missed a single payment before or after the forbearance period until XX/XX/2022, when my lender PennyMac disabled my option to pay on-line and they proceeded to foreclose on my property. I have since tried to make payment unsuccessfully and am told I must sign a modification trial period. Per PennyMac 's records, they have tried to send me items through the traditional mail and they have been returned to them. I have spoke with my local post office and they have no indications of why there is a problem with mail delivery as I receive all other mail. I am not late on any other bills, as they are mailed to my house. Since XXXX, I have been told the documents that are needed are on-line in my portal. As of today, XX/XX/2022, they are not available. I have been trying to comply with whatever is needed since I became aware of the problem, but the lender is not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't I recognize the inquiries listed below, nor do I have accounts associated with them. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion

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 2022-06-21 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: OH

Complaint narrative:
Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX  has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.

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 2022-06-21 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: OH

Complaint narrative:
Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX  has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.

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 2022-06-21 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: SC

Complaint narrative:
There are inquiries that I do not recognize. Please see the attached form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark is currently negatively reporting an account on my consumer report. I sent off a letter telling them that I do not owe the alleged debt and they need to cease and desist communication. I also requested for them to send me all information that they had in their records so I can validate the debt which is my right as a consumer. They then proceed to send me an alleged contract bearing signatures and it also contained different dates on there as well as the TILA disclosure. Not only did they alter the alleged contract, but they also have violated TILA by failing to disclose to me that the finance charge is actually the sum of ALL charges and letting me that I had the right to rescind the contract as stated in TILA, 15 USC 1635 says " in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following the consummation of the transaction ''. They also failed to provide me with any documentation that showed that I owed them anything. Instead, they falsely obtained this account and are harming my reputation by reporting the account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I started with Freedom Debt Relief in 2018. I also was on XXXX every week that year. I only had XXXX in debt and they promised to call the creditors, which they never did. They also said my credit would go up and since 2018 it is still in the high XXXX XXXX, they are misleading and never called my creditors, they then switched me to Consolidation Plus, which is the same company. I have paid them XXXX a month since 2018 and my credit never changed. I have called multiple times because I can't afford to pay them anymore. I lost my job from the pandemic, I can't get a job because of my credit score. This company is the worst, nobody should ever use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Hello, In XXXX, I asked our company ( PHH Mortgage ) to remove PMI, which involved paying for an appraiser to come assess the value of our home. The {$100.00} check, which PHH requested we send to pay for the appraiser, debited our account XX/XX/XXXX. I called PHH to schedule an appraiser as soon as we could, which was delayed until XX/XX/XXXX. The appraiser came to our home on XX/XX/XXXX to complete the appraisal. I've called a few times over the last month asking for an update to the appraisal, and have been told they do not have one but will research what the delay is. I have been told twice that the investigation will take multiple business days, continuously delaying the results of our appraisal. Given the nature of today 's market, i was hoping to receive our appraisal results as early as we could, but PHH does not seem to have the same sense of urgency. A representative i spoke to was surprised that it's taken this long to get the results, so i'm hoping this complaint will help usher this process along.

Company response to consumer: Closed with explanation