vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I received a bill from debt collectors Portfolio Recovery Associates , LLC , Inc. in the mail advising that I have options for an alleged account. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Portfolio Recovery or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Portfolio Recovery Associates , LLC. I have yet to witness a " wet ink '' signature between myself and Portfolio Recovery Associates , LLC. nor have I ever received a True Bill in commerce in regards to this account. Portfolio Recovery has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

In addition, accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states 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 2022-09-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX  # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Transunion XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. 

Account Experian # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CT

Complaint narrative:
It is my understanding that under the limited PSLF waiver, *any* prior payment made on student will count as a qualifying payment, regardless of loan type, repayment plan, or whether or not the payment was made in full or on time. However the the servicer has disqualified MANY of my previous payments because they were apparently more than 14 days late. Do ALL prior payments count or not? 

I would like all of my eligible prior payments to count towards my XXXX payments that will allow me to use the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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:
On XX/XX/2022 XXXXXXXX XXXX I sent several TRANSUNION executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that TRANSUNION removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave TRANSUNION permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.

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 2022-09-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: AZ

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Experian : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report on experian.com and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with ( XXXX XXXX XXXX, CERTIFIED CREDIT REPORT, XXXX XXXX XXXX and US SMALL BUS ADMIN ), I have also reached out asking that they remove the inquiry from my credit profile.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Equifax : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with XXXX, XXXX XXXX XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: PA

Complaint narrative:
I have called Transunion three times to dispute account status information each time the agents either took my information and disconnected the call or, promised to remove or fix such information. Again, Federal laws are being violated, this is my last attempt.

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
XXXX PUT ME IN COLLETION WITH OUT HAVE IN ACCOUN WITH THEM I JUST PAY XXXX DOLLARS JUST TO HAVE REMOVED FROM MY CREDIT REPORT IM GOIN TO LAWSUB THEM FOR FALSE STATEMENT FOR DAMAGE MY CREDIT FOR NO RESON THANKS FOR THE INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I received my escrow analysis dated XX/XX/XXXX which shows a shortage. Upon review it appears that wind/sup and condo insurance have been paid out of my account since XXXX of XXXX Unfortunately, these payments are in error as I do not have wind coverage nor am I required to maintain it on my property and my property is not a condo. I've asked them to refund the erroneous amounts immediately and conduct a new escrow analysis to provide me with a refund of the excess money I paid. I have attemptedto resolve this multiple times to no end. I am filing a complaint with the CFPB to ensure this is resolved timely. I'm including copies of the escrow analysis as well as the response to my previous complaint. The written response does not address my actual complaint which has to do with wind and condo ( not flood ). We are well aware our property is in a flood zone and maintain appropriate flood insurance which was paid in XXXX of this year as indicated in my analysis. I've asked that they correct this error immediately and adjust my monthly payment as they are erroneously charging me an extra $ XXXX and have been since XXXX of XXXX. Until now it was out of escrow, and now our mortgage is being increased incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: FL

Complaint narrative:
All of my student loans have been paid in full! I have the documents to prove it. Please report this to all 3 agencies.

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 2022-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All of my student loans have been paid in full! I have the documents to prove it. Please report this to all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: FL

Complaint narrative:
All of my student loans have been paid in full! I have the documents to prove it. Please report this to all 3 agencies.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unable to change or update any information on Experian product service. System is not allowing any updates.

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 2022-09-25 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: NJ

Complaint narrative:
During the beginning of Covid in 2020, I contacted my credit card XXXX XXXX Bank and made them aware that I was affected by XXXX, I contacted XXXX and I wouldn't be able to make every payment on times. I indicated to them about the CareAct and was assured by many representatives to continue making payments whenever possible and all late payments would have been removed from my credit report. Thus far, none of it has been removed and this has affected me severally financially.

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 2022-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged me for liability insurance ( {$270.00} ) on a HELOC ( acct # XXXX originated by BB & T bank XXXX now Truist ) that has had a XXXX balance since it was paid in full in XX/XX/XXXX. This is on a property at XXXX XXXX XXXX XXXX, SC XXXX that I sold in XX/XX/XXXX. 
I dealt with XXXX XXXX XXXX at my local Truist branch in XXXX Fl. After more than two weeks of trying to get the charge removed, paying {$5.00} to close the HELOC and faxing proof to Truist showing that I did in fact sell the property no one has been able to help me. Everyone shunts me to someone else who is also unable to help. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX complaint # XXXX ). I had a phone call from Truist that same day telling me a XXXX XXXX XXXX ( XXXX ) from Truist would call me with 15 business days. It is now XX/XX/XXXX and I have yet to hear from anyone. 
I want to close the HELOC since I no longer own the property, I do not want to pay {$270.00} for insurance on a loan against property I no longer own and I do not want this to go against my credit since I have not paid the premium. Please, somebody, help!

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I never bought a service from XXXX, especially in XXXX XXXX, that I have never been to. When I disputed the debt with the collection agency, they only sent me the amount owed and a notarized letter without my information or signature anywhere. The only information that appears from me is my name with an old address and nothing else. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX Freedom Mortgage sent me a letter stating my mortgage payments will increase. They gave me some choices to keep the payments the same. I choice the first one and paid {$730.00} toward the escrow shortage. But my payments increased anyway. 
In XXXX I got a similar letter but I paid nothing extra, instead I changed my homeowners insurance company for a {$300.00} lesser one and disputed my property taxes. But again my payments increased. I filed a complaint with the Department Of Savings & Mortgage Lending. They just repeated what Freedom Mortgage told me. Which was nothing!

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 2022-09-25 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: GA

Complaint narrative:
On XX/XX/2022 I sent documents to Experian and XXXX via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling XXXX after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. Experian claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for XXXX stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have paid off promotions on my lowes account. I have faithfully paid my bill everyone on time. Each payment was {$100.00} per month. Except for one payment of {$30.00} which I was told that was the only amount due to pay off that promotion. Every payment after that went towards the remaining balance on the only balance left on a promotion. I was told that was the only one I had left. Each month I called to confirm that {$100.00} was going towards that balance. Each month they confirm it was and that would take more time to reflect on the balance statement. However that amount kept going up instead of down. Somewhere in the mix my money was going towards balances I was told were paid off. Because of this the intrest on each one was applied to my balance and the last promotion the money was never applied to that balance. Which was the only balance left. I called them every month and every month they are looking into it. Now it's affected my credit score. I requested they cancel that card. They assured me the issue was being fixed and to just allowing time. However within this time it's showing badly on my credit report. I am being contacted by them daily via email and telephone. My debt has been paid off before the due date. That balance is supposed to show {$0.00}. Due. Instead it is going up each month {$100.00} as I wait for their mistakes to be fixed. Everytime I speak to them they act like they have no idea what I'm talking about. Then they put me on a long hold to find the issue, then assure me it's being looked into and to wait. I have request they listen to every conversation made each month I called. I was being told one thing but what they were doing was so completely different. 
Please help me.

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 monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
They sold me a lemon as a car. No power steering. I offered to pay half of the costs and they gave me the run around

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation