vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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:
XXXX XXXX XXXX  has Reported late Payments to my consumer report which was done against my consent and Not accurate information Which are Both required by Federal Laws. The Negative late Payments has caused an adverse action on my consumer report resulting in a XXXX point decrease in credit score as well as being denied recently for an auto loan. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the late payments removed and updated to my report as Paid as agreed. 


XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )

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 2022-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been attempting to work with Navient to reach a student loan payment amount that is within my budget. From XX/XX/XXXX- XX/XX/XXXX I participated in an interest only payment plan that allowed me to make my monthly payments on time. In XX/XX/XXXX they raised the payment. I completed a financial statement ( provided by Navient ) highlighting my current budget and how I could not afford the new payment amount. I was told that my budget did not matter. I have tried to work with them to come up with a payment amount that I can afford and they will not work with me. I want to pay my loan but they are not offering flexible options to assist me so I am now close to default. They also call myself and my co-signer multiple times a day every day at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX REC XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I have a mortgage with Mr. Cooper that is escrowed. My hazard insurance renewal was scheduled for XX/XX/XXXX ( shown on the system with the correct insurance company and policy number ). I received a letter in the mail ( dated XXXX, received XX/XX/XXXX ) that insurance had lapsed for non-payment and that Mr. Cooper would be force-placing insurance if I did not provide proof of new insurance. Mr. Cooper blamed previous insurance company ( XXXX  ) not providing billing information, but I find it unacceptable that the servicer simply didn't pay the insurance premium and did not notify the consumer ( me ) until it was time to 'force place ' insurance. I went without coverage ( unknowingly ) for over a month due to the inaction of the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 Acct # 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 explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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 explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Date : XX/XX/2022 Time : XXXX & XXXX XXXX ( XXXX ) XXXX Called Chex Systems to resolve an account was met by a very rude customer service rep by the name provided ( XXXX ) XXXX 

The rep never asked me for information to look into my account to resolve matter, instead he talked about how the banks are, stating bank employees are XXXX  and they dont know anything, they only get paid {$11.00} hr. Then he directed back to me and said, You are here because, someone told you No! 

I tried to ask questions and he started talking over me. He appeared very angry. 
I couldnt get a word in to ask questions about account or asked for information required to pay account instead I was spoken to like a child. I just want to resolve or pay bill. 

I got tired of him talking down to me and spoke up and told him I dont need your opinion. Representative redirected my call twice, after saying to me You messed up. Then redirected me back onto the line to wait. 

Need help with getting a professional rep on the phone, who does insult callers.

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 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I contacted Solomon & Solomon as the debt collector agency and asked for the debt validation notice that must have been sent within 5 days of the first contact according to the Fair Debt Collection Practices Act, I was not provided with one and also asked for a confirmation of delivery but I was not provided with one, they did not have it, the attorney said she was going to call me back according to the secretary but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
On XX/XX/2022, I notified Experian that my personal information was inaccurate, and I posted a copy here. While I appreciate the quick response, I wish they'd done as thorough an investigation as XXXX and XXXX. My understanding of this process is I notify the bureau if something doesn't look right, and they contact the company reporting it. IF they can not verify the information I've disputed, then it is to be REMOVED from my report. So why am I getting a response that I should take additional steps to call the bureau so they can tell me how to contact the company?

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 2022-07-18 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: ND

Complaint narrative:
I sent a letter off on Monday XX/XX/2022. Here is my tracking # : XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial institution can share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-07-18 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2022-07-18 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:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried on dozens of times asking the the three credit bureaus to remove negatives reports on my credit report. Such as collections, hard in inquiries and late payment etc.and nothing has been done.such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GARDEN STATE HOME LOANS INCORPORATED
State: MI

Complaint narrative:
Garden State Home Loans are committing fraud under the XXXX XXXX XXXX, by going forward with loans that you never signed for. I have a document from XXXX XXXX where he admits I never signed my final CD and he's trying to hold me beholden to it under a small TRID guideline, even though I did not want to move forward with the loan. Garden State is predatory and they refused to let the work they did on my loan go to waste, so they punished me. These type of actions are scary and companies that move with impunity like this are hurtful and harmful. Garden State knows I did not sign the CD to go to closing but are hiding that in a small paragraph at the end. They're a predatory company. 

What the company failed to mention is that the rate offered only came because I was having to buy points, or put down more money ( see XXXX  ), and those weren't terms I was willing to agree with or I would have signed a contract.

Their closing disclosure was also including debt that I already paid and had sent off to Garden State, they were luckily enough to include their email chains for me. 

The new CD included an additional {$300.00} to pay down the interest rate, these completely changed any and all terms of any agreement. I never signed another agreement after that, and in the mortgage world calling people guardian angels could mean you saw them shine their shoes with XXXX. There's a reason we require contracts, and the CFPB should hold you to that. He admits that I mentioned fear over the closing cost, and then DID not sign the closing disclosure. Yet he still went forward with it, this is a violation. 

As you can see they have my XXXX wrong, they were including debts already paid, and all together it wasn't a true document. 

And as XXXX XXXX said to me " Moving on '' when I brought up issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: IL

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have a 15 year fixed mortgage loan in the amount of XXXX with a 9.850 % interest through PHH ( started with GMAC, sold to Ocwen, merged with PHH ). The original note states so will pay principal and interest in the amount of XXXX each month. In XXXX of XXXX I received a letter that my loan had matured as of XX/XX/XXXX and I now owed the remaining balance of over {$20000.00}. 
I called after receiving the letter and was told there was an extension on my account and I could continue with the regular monthly payment. In XXXX of XXXX my payments started being held in a suspense Account and no long were being applied to my loan. I have spoken to 6 PHH agents to try and figure out what is going on and have gotten nowhere. I was told at one point I had a HELOC loan which so do not.

I can not figure out how I still owe over {$20000.00} on an original note of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 Acct # 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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NC

Complaint narrative:
The Credit Card At requires issuers to apply the excess payment portion of your credit card payment. After that, the remainder generally must be applied to the other balances in descending order, based on applicable annual percentage rate, according to the law. This is not how PNC is handling its credit card payments. PNC states in its account terms that it applies balances to purchases based on its sole discretion. I currently have 3 separate balance transfers tied to one card, each with different end dates. One promotional period ends XX/XX/XXXX, the next XX/XX/XXXX, and the remaining balance transfer promotion period ends XX/XX/XXXX. My XXXX Statement showed a balance of around {$400.00} on the oldest balance transfer due by XX/XX/XXXX. I paid {$900.00} that month and instead of applying the payment towards that oldest balance PNC is applying to the balance transfer due much later in an attempt to still charge interest on the initial balance transfer once it ends. From my understanding the payment should be applied towards the original balance transfer amount and not the newer balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 Acct # 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 explanation