vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
This debt collector Receivables Performance Management violated the FCPA by violating Regulation F. This company failed to make contact with me first nor notify me by mail, call, or email of this debt prior to contacting the credit bureaus. Regulation F states that collection agencies must contact debtors before contacting the credit bureaus and Receivables Performance Management failed to do so.

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 2022-03-31 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: CA

Complaint narrative:
A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
I am a natural person/ not a third party company Northstar location service sent post card stating that I owe an alleged debt without the 5 validation of me owing such debt pursuant to 15 usc 1692g from the fair debt collection practices act and violated my consumer rights and I seek remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
The mortgage company failed properly calculate the value of my property taxes. 

The mortgage company failed to put enough escrow aside. So they ended up making a lump sum payment which also includes fees. Therefore I crease my monthly payment by {$700.00} This is outrageous. 
Increasing someone monthly payment due to the failure of properly assessing my escrow account t is not my fault. 

I can not afford an I create mortgage of this amount. 

I have been making monthly payments each month. On time since having this mortgage. Now with the Iincrease of {$690.00} due to them having to pay property taxes owed .. because they failed to assist the taxes and they paid late. Is not fair. 

My mortgage monthly escrow before was {$410.00}. 
Which was due to {$1000.00} in insurance and {$3900.00} in my homes annual taxes. Making mortgage {$2600.00} My monthly escrow should be now {$470.00} max ( since I change my insurance ( {$1700.00} for Insurance and {$3900.00} in taxes ) Instead of my mortgage monthly escrow being XXXX the mortgage company says my monthly escrow is {$690.00}. This is not accurate. And also not fair to even charge me late fees and interest due to them failing to pay the county ontime. 

Please help me get resolved as this is outrageous and not fair to increase ones mortgage for no fault of my own. 

*** fair solution is to have my monthly mortgage be accurate. To reflect escrow of XXXX ( based on {$3900.00} of annual taxes and {$1700.00} for insurance ) which mortgage should be instead of {$2600.00}. Should be {$2700.00} as the ONLY thing I changed was my insurance. Property taxes has always been the same to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CA

Complaint narrative:
On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 it 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. 

I attached the original letters I've sent to them trying to resolve this problem! 
Please see files attached!

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 2022-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
The lender appears to be subjecting penalties on Veterans who invoked forbearance protections in violation of the VA and the Cares Act and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principle, seasoning of the loan does not apply per 38 USC 3709 ( d ). 

On XX/XX/2022 I applied to refinance my {$190000.00} loan with a new {$310000.00} cashout refinance. 

The lender insisted I needed to show evidence of my forbearance agreement and 6 months or 210 days of payments. 

When I explained to the lender no seasoning is required under the exception for cash out refinances, the lender stopped processing my refinance after running my credit report. 

It is predatory to Veterans for lenders to apply seasoning to all VA loans in violation of the statutory rights to the cash out refinance seasoning exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 1. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )

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 2022-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 1. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )

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 2022-03-31 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:
In XXXX, I became unemployed and had difficulty finding full time job for the next four years. Thus, I was constrained to obtain 4 private loans with XXXX XXXX, now Navient, during the time my eldest son was attending XXXX XXXX XXXXXXXX XXXX in the following amount : 1 ) {$20000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 2 ) {$10000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 3 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 4 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX. 

Please note when these loans were obtained, the XXXX XXXX representative did not disclose that these loans would be considered private loans and not backed by the federal government. I believed then that these loans were parent loans since having a student in college was an eligibility pre-requisite. 

The first three loans were already paid off as follows : 1 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$42000.00} 2 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$32000.00}. 
3 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$63000.00} These first three loans were paid off with the help of my eldest son as he was able to obtain a fixed rate of 6 % interest rate being in the military. 

The fourth loan, XXXX, Navient said I still owe over {$53000.00}. However, upon analyzing the payment history during the life of the loan, it showed that a total of {$39000.00} has been paid as of XX/XX/XXXX when I had to stop the automatic payment because I have been experiencing financial difficulties due to many health issues for an aging XXXX old, on fixed income, and widowed. 

I have asked Navient for a reconsideration on the loan converting it to a fixed interest rate, but I was declined. They recommended that I apply with another financial institution who can offer a fixed rate. I tried that as well with XXXX, the company Navient recommended. I was also declined. 

In my last phone call with Navient representative in late XX/XX/XXXX, I tried to ask again for any affordable options to make payments, such lowering the interest rate. I was told they could not do anything about it. Hence, I asked for a department head I could write to file a complaint and seek total relief from the loan as I believed loan ending in XXXX has been paid for, principal and interests. 

Most recently, I read an article that Navient made a settlement to forgive student loans in the amount of {$1.00} billion, and another {$1.00} billion in private student loans, primarily those with subprime loans. 

In the same article, I read that the Consumer Financial Protection Bureau is also assisting borrowers who have experienced harmful and deceitful lending practices. I understand there is a pending lawsuit against Navient. Hence, I am seeking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-31 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: CITIBANK, N.A.
State: NV

Complaint narrative:
This account has been in dispute since the day it was placed into negative status and eventually into collection and subsequently sold to a third-party collection agency. As with millions of other Americans, when the plandemic hit our country in early 2020, I entered the ranks of the unemployed. I applied for every available avenue of unemployment but was denied every single time. Therefore, I had zero income and was forced to rely on any savings I managed to accumulate. 
During the time of my financial struggle, I was in constant contact with this credit card issuer advising them of such. I continued to make small payments although those did not even amount to the required minimum on the debt. To make matters worse, this shady credit card issuer, Citibank, took my existing balance and although my credit limit was very much higher than my balance, my limit was lowered to far under my existing balance causing the card to appear as if I was over limit, which I was not. This is a very unscrupulous, shady and consumer fraudulent tactic to enble credit card issuers to sell cards off for a loss. This is what I am filing a lawsuit and complaint with the FTC for against this institution.I am looking for this credit card debt to be dismissed as I was denied the time I requested to make payments and then eventually pay it off. As you can see by pulling my credit report, my credit prior to this isolated incident was perfect. That they used an underhanded tactic to claim credit card customers were over their limit when in fact they were not, should be grounds for severe penalties and sanctions.

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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
An account was opened from XXXX XXXX  which is now be handled by Midland Credit Management. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in 4-5 months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & 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 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 2022-03-31 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My mortgage was transferred ( or sold ) to Truist Mortgage in XXXX of XXXX.I have made all of the required payments on time however, Truist persists in erroneously showing that my XXXXXX/XX/201 payment was delinquent.

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