vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by Emmett L. Goodman, Jr. LLC on the behalf XXXX XXXX XXXX for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Emmett L. Goodman, Jr. LLC XXXX XXXX XXXX XXXX XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX XXXX on my consumer reporting file. I need some help with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-09-06 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: Self Financial Inc.
State: FL

Complaint narrative:
The company is Self Financial which is a credit-building account I put money into the self-account every month by paying every month and I am supposed to have a line of credit which I did for 3 yrs, and never missed a payment they also issued me a secured card for which I did not know it was secured I have paid more than the min balance in XXXX I was sick with XXXX and I accidentally paid the credit builder account instead of the XXXX so I was charged a late fee and it was reported on my credit as late I need it removed trying to buy a house and now they have damaged my credit instead of improving my credit they will not reverse the late fee to take off my credit they have many complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: ERC
State: MO

Complaint narrative:
After seeing a collection report to my credit file I hurried and called this company, never got anything in the mail, I was told I owe and if I took care of it, they would remove it. I took care of it and it is still reporting. I don't know if it's just the credit bureaus just not doing there job. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are numerous problems with my credit reports and I am including a letter to descibe all of them

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 2022-09-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a late 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 2022-09-06 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: IL

Complaint narrative:
I have been disputing two accounts on my credit report that do not belong to me. I have been disputing both accounts with all three bureaus as well as the two reporting creditors with no response to my request. These account do not belong to me, and I have been disputing them for more then a year. I want these accounts removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: IL

Complaint narrative:
I have been disputing two accounts on my credit report that do not belong to me. I have been disputing both accounts with all three bureaus as well as the two reporting creditors with no response to my request. These account do not belong to me, and I have been disputing them for more then a year. I want these accounts removed from my credit report asap.

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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Request for loan forgiveness. 
Please see Release of Mortgage/Note attached. 
After much request also please see the attached recorded mortgage received from XXXX XX/XX/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 2022-09-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve any investigation results.

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 2022-09-06 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: MD

Complaint narrative:
Trans Union is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is Fraud Remove all the of fraudulent Inquiry Inquiry details XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2022-09-06 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I ordered only a {$700.00} credit card with this company and spent {$650.00} on it planning to pay it back when the account balance was due, The very next day they sent the {$650.00} report to the credit bureau saying i owed them this when i called, the lady explained that they report on the XXXX of every month so i thought it was my mistake but later on i was informed that they report on the end of every month this has cause my credit score to drop from a 670 to a 590 which coupd cause significant financial hardship.

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 2022-09-06 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
We have been working with SPS since last year. Completed workout paperwork and they keep coming back wanting more and more paperwork. Started working with a HUD approved counseling service in XXXX. Submitted documentation they wanted. Had to resubmit everything in XXXX. Keep having to submit more and more paperwork. They wanted Profit and Loss statements- provided a couple of times- they then came back and rejected and indicated they wanted their own form. Never told us that prior to the call on the XXXX of XXXX. 
Submitted - received Notice of Default and need to cure by XXXX. When asked they indicated they do that but not to worry about it as we are working with them. It is hard not to worry as we have been working on this since last year with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
XX/XX/22 vehicle purchased through XXXX repossessed by Bridgecrest. Car purchased XX/XX/22. 

Vehicle not repossessed for non payment but because paperwork incorrectly completed at the dealership. 

Drive time the seller of the vehicle states they called and sent notices. 

Bridgecrest the finance company acting as debt collector did not. 

Spoke with several representatives from both XXXX and Bridgecrest stating contradictory information. 

Bridgecrest stated contract invalid at sale but is trying to maintain rights, XXXX wont null and void the contract because they say it is proper. 

Tried to have Bridgecrest waive the reinstatement fee because it was a XXXX paperwork error. 

They refuse and even though payment offered on XX/XX/22, same day, third party repo company states they can not release vehicle within a day. 

These companies not only have unethical and possibly illegal and unclear business practices they have now also contributed to emotional stress and lost wages.

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 2022-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a notification from XXXX XXXX that there was a Hard inquiry on my credit report. After reviewing it, I noticed that Capitol One banking did a credit check on XX/XX/2022. I did not authorize this hard inquiry on my credit report and therefore placed a fraud alert on my credit report. I need this Hard Inquire removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I went to court to change my mind for filing XXXX XXXX bankruptcy. I have sent 4 letters to each one of the creditors explaining the bankruptcy was never filed. I sent XXXX XXXX a letter asking for an update on my credit report and asked them to removed the bankruptcy and sent them the same letters. XXXXXXXX XXXX removed the bankruptcy after looking over letter from the court stating no bankruptcy was filed. I am asking for help to remove this bankruptcy off of my Experian credit report. I have called Experian and sent in proof that their showing inaccurate item on my report about the bankruptcy. I'm asking for help to have it removed for I can get on with my life. 

Sincerely, 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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint has charged a late fee that I feel was wrongly imposed and they stated they are unable to reverse it. Customer service told me they the ability to waive the late fee had I already not made a subsequent payment but because I made the next months payment, the late fee was already applied and they can not credit my account. 

The mortgage payment for XX/XX/XXXX went up by {$83.00}. I never received the notice of the increase payment, although their records show that it was sent to me. Anyhow, I made the XXXX payment ( via my automatic bank pay ) of the old amount. Because there was a deficiency, of {$83.00} Shellpoint imposed a late fee of {$20.00}. 

The late fee notice is dated XX/XX/XXXX but since I was out of town I did not get the notice until XX/XX/XXXX. Since the XXXX payment was now due, I went ahead and made sure to submit a timely sufficient XXXX payment and believing I could contest the late fee after. 

I called Shellpoint after the XXXX payment was received to challenge the imposition of the late fee. The customer service rep explained that he did not have the technical capability to reverse the fee. He informed if I called before I made the XXXX payment he could have waived it. 

First, I believe I should not have been imposed the fee due to not having received notice, and the amount of the deficiency balance. 

Second, the imposition of the full amount of a late fee- {$20.00}- declared owed due to a deficiency of {$83.00} on the account is wrong/disproportionate. The late fee amount is what is supposedly stated in the mortgage note and is the full late fee regardless of what the amount owed. To me this is highly unfair and deceptive. 

Third, the inability of the customer service rep to remedy the situation due to payment and timing is unfair and illogical. 

Fourth, the rep did provide a means to snail mail submit an appeal or to fax, which I may still try to do, but they should have an electronic means to submit such things. Going through the extra steps of write, print and snail mail/fax is burdensome compared to the {$20.00} fee in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i have alot of wrong listings on my credit that are descrobed in the letter attached and need the fixed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve any investigation results.

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 2022-09-06 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: NY

Complaint narrative:
I file a dispute in regards to the in correct item on my credit report.Its been well over XXXX and i havent recieve any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Greetings, I have been trying to resolve these issues with navy federal now, for a long time, and they keep treating me like a criminal. I did a bankruptcy in XXXX, and navy federal was listed on default. Now, every time I log in to my account, there is a notice that they are flagging me. I spoke with someone regarding this matter, and they told me this should not appear on my account. We are now more than XXXX years. I tried opening a new account so that I could receive my direct deposit from the VA, and they kept saying that I had a balance that was owed to them when it was due to fraud, and I had to file a police report, complaint with CFPB and spoke with them in regards to that matter. 
Now, this company claims they only serve military individuals and their families. Still, I know that they have civilians with open accounts with bad credit and bankruptcy, I have proof, and I have some of these individuals ' names. And yet we, as the total and permanent XXXX veterans, are being denied services. 
I am upset about the injustice and the double standard this bank is showing to military individuals. I have been banking with penfed and vystar, and they have been perfect to me and the reason why i am filing another complaint is to remove those negative account in my profile and allowing me to open an account when i want and that i have the right and eligibility as a XXXX veteran to do so. 
They will write backj to the cfpb, that they did their due dilligence and that i should call so and so for more questions. WOW really navy federal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-09-06 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 Account # 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 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 2022-09-06 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 Account # 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 my written instructions

Company response to consumer: Closed with explanation