vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
The mortgage was transferred from XXXX XXXX  to Roundpoint Mortgage effective XX/XX/2022. They provided several notices of the transfers and confirmed that ACH would auto-transfer to a new company and no action was needed. When the payment never was taken from the account I set up autopayment via Roundpoints website and received a confirmation that this was set up successfully. On XXXX they mailed a notice saying no payment was received. I contacted them today as I logged into the site header still says my loan transferred auto debt on the header. Yet I called today XXXX due to payment not coming out of the bank account again and advised that because I set up autopay that it canceled all payments. No notice of this was ever sent to me and if I wouldn't contact them per the statement received would have charged me additional fees if not paid by XXXX. 

High-level issues : - Providing false information to consumers - Notice that auto payment would be transferred - Late payments when transferred within 60 Days.

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 2022-12-03 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 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 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
XXXX and Equifax have been violating my rights for 120 days now by reporting these accounts to my Credit reports : XXXX XXXX XXXX  SS Account # XXXX, XXXX XXXXXXXX XXXX SS Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX. 
I Have attached my credit report to show you that the credit bureaus aren't following guidelines to report this account to my credit reports. And I know they aren't doing this because they have updated these accounts as verified over 4 times with XXXX and Equifax after the furnisher deleted the accounts on with transunion. XXXX and Equifax are reporting thisfraudulentaccount unfairly and is affecting my life very negatively because I can not get a vehicle in my name and I have been homeless for two months now. I have lost countless jobs due to inconsistent transportation. XXXX and Equifax are violating my FCRA rights by keeping these accounts posted on my credit reports. The law states in 15 US code 1681 Section 2 ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 611 ( a ) 15 USC S 1681i demands a proper investigation of my dispute request and the bureaus have yet to do a proper investigation that doesn't involve XXXX XXXX or any automatic processes. 
I know this because My previousdisputes totransunionregarding these accounts has resulted in deletions because they successfully complied and didn't violate my rights. 
Attached is my credit report, I have highlighted the accounts along with every violation that they have committed. I Have sent all of the letters attached to the credit bureaus on each date that is on each letter, it shows that the credit bureau are not following they're own laws that they must abide by. Thank you. 


Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: World Omni Financial Corp.
State: GA

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

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

15USC1681 Section 604 A Section 2 : It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I simply paid into the account and they charge me they charged off the account and it was charged off at XXXX and some odd dollars they then put it back on my credit report as {$10000.00} XXXX and start trying to garnish my wages and garnish my wages for months for money that I do not owe

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 2022-12-03 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: Convergent Resources, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 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 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 explanation
Consumer complaint received 2022-12-03 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: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-12-03 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: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, TRANSUNION LLC. & XXXX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM XXXX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE CFPD AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.

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 2022-12-03 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: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to fle this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This colle ction found within my credit report are nol relaled to any transaction that made / am eleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TX

Complaint narrative:
On Sunday XX/XX/XXXX I went to XXXX to search for a used motor vehicle. In an effort to gauge my qualification for approval, I filled out the sites pre-approval form. The results stated that I was not pre-qualified. On Sunday XX/XX/XXXX at XXXX, I received an email stating that the dealership would reach out to me concerning my inquiry for per-approval. On Monday XX/XX/XXXX I received several notifications that a hard inquiry had been placed on my credit report from each of the major credit bureaus. I did not authorize XXXX XXXX XXXX XXXX to run a full application for auto financing, yet they took it upon themselves to do so anyway, I advised them that I would file a complaint if the hard inquiry was not removed and I have not received a response from them since doing so. The representative I feel may be responsible is the sales person by the name of XXXX XXXX who may be contacted at XXXX or by calling ( XXXX ) XXXX or ( 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 2022-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Sunday XX/XX/XXXX I went to XXXX to search for a used motor vehicle. In an effort to gauge my qualification for approval, I filled out the sites pre-approval form. The results stated that I was not pre-qualified. On Sunday XX/XX/XXXX at XXXX, I received an email stating that the dealership would reach out to me concerning my inquiry for per-approval. On Monday XX/XX/XXXX I received several notifications that a hard inquiry had been placed on my credit report from each of the major credit bureaus. I did not authorize XXXX XXXX XXXX XXXX to run a full application for auto financing, yet they took it upon themselves to do so anyway, I advised them that I would file a complaint if the hard inquiry was not removed and I have not received a response from them since doing so. The representative I feel may be responsible is the sales person by the name of XXXX XXXX who may be contacted at XXXX or by calling ( XXXX ) XXXX or ( 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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Deposited a check into XXXX for {$30000.00} this is the 4 check I have deposited into this account from the same maker. Previous deposits were XXXX ( {$12000.00} ) XX/XX/XXXX ( {$15000.00} ) XX/XX/XXXX {$13000.00} and another deposit into another account for {$31000.00} on XX/XX/XXXX. This check was out in an extended hold. 

I called and spoke to XXXX with the fraud team and he blatantly lied to me saying everything was verified and my find would be released. 

Called back and spoke to account supervisor XXXX and he said he didnt understand why the extended hold but said the back office will deny his request. 

Chase puts extended hold on deposits to collect interest off of my money or the are racially profiling me this is the 3rd time this has been out on hold from a check from this maker and chase constantly lies about the reasoning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 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 a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-12-03 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: PA

Complaint narrative:
My name is XXXX XXXX. I did not authorize these accounts. These accounts a fraud. 
I sent my Notorized FTC report and PA Drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I did not authorize these accounts. These accounts a fraud. 
I sent my Notorized FTC report and PA Drivers license.

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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MERCHANTS CORPORATION
State: IL

Complaint narrative:
Again, the mobile app gave the error message, " The data network is busy, please try again or come back later. '' The balance was {$110.00} in my account. This morning, I checked the app again and my balance went to {$110.00}, however, there was no debit transaction to account for the {$4.00} difference! Everytime I bring this to the bank 's attention, they lie about it. In this case, they told me they don't see a balance of {$110.00}, they see a balance of {$130.00} before other transactions came through, they always make up an excuse. They never reimburse me, but I took pictures this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Mortgage servicer - Mister Cooper XXXX XXXX company- XXXX XXXX servicer failed to pay the home insurance premium before the policy expiration date ( XXXX ). 

Mortgage servicer had all the necessary information to pay the premium before the policy expiration date. They failed to fulfill their responsibilities. 

Policy lapsed on XXXX. I called Mister Cooper on XXXX and demanded that the payment be made on that date. The agents at Mister Cooper lied and stated that they were unable to make the home insurance payment to XXXX because they were unsure of the payment amount. 

Mister Cooper agents noted that they called XXXX on XXXX but XXXX was unable to specify the payment amount.

Company response to consumer: Closed with explanation