vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
Based on explanation you provided in previous complaint ( complaint is attached ), your financial institution stated on the record that you engaged in discrimination based on place of origin and my application for loan was denied based on discrimination. 
My original question of the complaint was clearly stated : If the XXXX XXXX was engaged in discrimination. 

Your answer on record was : We do not discriminate against applicants regarding any aspect of the credit transaction on a prohibited basis. 

And I want to emphasize this quote : PROHIBITED BASIS this is word game, Because this is antonym of this word is PERMITTED, ALLOWED which leads us to conclusion that you still engage in Allowed Discrimination. 
My conclusion is : Yes I was discriminated based on allowed/permitted discrimination, but it doesnt change the narrative, because it is still counted as discrimination. 

Your actions is hurting my feelings, my well being and its violates United Nations Declaration of Human 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 explanation
Consumer complaint received 2023-02-15 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 — Problem with personal statement of dispute
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I sent Innovative Recovery Inc a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. Innovative Recovery Inc has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with XXXX and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. Innovative Recovery Inc was added to my XXXX report in XX/XX/2022 but I received the first letter from Innovative Recovery Inc XX/XX/2022 so that doesn't make sense either. Innovative Recovery Inc and XXXX has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: IL

Complaint narrative:
I sent a letter out a couple of months ago around XX/XX/2021 to XXXX, Transunion, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXXXXXX XXXX was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information.

Also according to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, XXXX or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.

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 2023-02-15 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: IL

Complaint narrative:
I sent a letter out a couple of months ago around XX/XX/2021 to XXXX, XXXX, and Equifax. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXXXXXX XXXX was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information.

Also according to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, XXXX  or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy 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.

PLEASE ROMOVE THIS ACCOUNT IMMEDIAELY! 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
In XXXX, my husband and I took out a line of credit with Fortiva Retail Credit through XXXX XXXX in XXXX XXXX, WI. We purchased furniture on the line of credit and were advised an annual fee of {$49.00} would be charged if we didn't cancel the financing after the purchase was paid off. 

We opted to keep it open just in case we wanted to finance additional purchases, but never used it. In XXXX, we received a bill for the expected {$49.00}. The terms indicate I could pay a minimum of {$30.00} and pay off the balance in XXXX months, but if I was late I could be charged up to {$41.00} in late fees. I mistakenly wrote the due date down wrong and did not pay it on XX/XX/XXXX as required. On XX/XX/XXXX I received a text message indicating the payment was late and a link to make the payment. When I went to the site, it didn't tell me the balance, only offered to pay via check or debit card. The charge was actually {$60.00}, not {$49.00} and there was no itemization. I assumed this meant my late fee was a reasonable {$11.00} and the balance was paid. This was because they took {$60.00}. 

Please Note : If Fortiva was taking the full late fee plus minimum payment, the charge would have been {$71.00} ; if they were taking the full balance plus the full late fee, the charge would have been {$90.00}. 

This morning, I received a call from Fortiva claiming I owed {$20.00} and could settle the full balance by phone. I explained this can not be correct because in no scenario would my balance be {$20.00}. It should be {$0.00}, but even if the {$60.00} had been the minimum payment of {$30.00} ( not paying in full as I thought ), that would have left me with a balance of {$19.00}, not {$20.00}. I proceeded to tell the man to cancel my line of credit. After the call I produced written requests to cancel to be sent to the correspondence and corporate offices. 

During the day I received two ( 2 ) more emails asking for a payment of {$60.00} and a payment of {$30.00}.

I have emailed the cancellation letter to Fortiva and informed them of my assertion that they are violating FDCPA regulations and to discontinue the collection attempts, as well as sending me proof the account was cancelled. 

Please contact me at ( XXXX ) XXXX or XXXX It is worth noting that I work in a law firm and have practiced consumer law for several years. I do not expect inequitable relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: MI

Complaint narrative:
There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MI

Complaint narrative:
There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I hired XXXX XXXX XXXX in XX/XX/XXXX to help with a Modification. This firm took XXXX upfront without completing the modification and leaving my home in foreclosure. I contacted XXXX XXXX XXXX XXXX and they help me. The mortgage relief program paid Phh mortgage and got the house out of foreclosure. I applied again for a Mortgage modification with Phh in XX/XX/XXXX. Since then, Phh is continuously not reviewing the papers I upload to the XXXX and sending letters that my application expired. I am constantly calling asking what they need and promptly uploading the documents. Now, I have been having difficult being XXXX XXXX XXXX  and my job not paying me for the days I am out. I fell behind one payment for XX/XX/XXXX. Phh put me in a forbearance plan again. I called them and stated I did not wanted to be because I was afraid I would loose my home. They are not listening and they say is better to save my home while they are working on reviewing my Modification Application. I do not understand what repercussions a forbearance plan can have and it will be very difficult for me to pay almost XXXX dlls in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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:
I had a {$130.00} balance on a checking account at XXXX XXXX XXXX at the beginning of XXXX but due to the pandemic I completely forgot about it. I was immersed in trying to straighten out my business funding and business bank account locally. I was contacted by XXXX towards the end of XXXX about it and immediately paid it by phone. Experian has been given a documentation SEVERAL TIMES provided by the bank ( attached ) showing it was paid off in full and closed with no further issues. But despite my disputing it several times with this documentation they have not changed the account information reflecting {$130.00} charged off. And since XX/XX/XXXX I cant file any more disputes.

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 2023-02-15 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: TX

Complaint narrative:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
We made a transfer to your spending account XXXX XXXX, We made a transfer from your brokerage account to your spending account to resolve an issue with your account. Please note that this doesnt happen often and were sorry for the inconvenience. If youd like more information, please contact Robinhood XXXX. 
Here are the details of the transfer Amount : {$5300.00} From : Brokerage account To : Spending account Date completed : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had a credit card debt for XXXX XXXXSynchrony Bank XXXX In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled by debt. I received a paid in full letter. Since then, I have received 4 more additional contacts from creditors. Today, XX/XX/XXXX I was served by a sheriff for a complaint. I have contacted the offices of XXXX XXXX XXXX, XXXX to notify them that I have paid my debt and provided a letter. I gave this letter to the other 3 companies and they said that they would see that this matter is settled. 
I had only one ( 1 ) account with XXXX XXXX and I am not sure how to resolve this.

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 2023-02-15 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: MS

Complaint narrative:
I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XXXX XX/XX/21 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

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 2023-02-15 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: TX

Complaint narrative:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
On XXXX XX/XX/XXXX, Mr. Cooper Mortgage mailed a letter along with a check to my address with an incorrect legal name in the amount of {$4900.00}. Mr. Cooper Mortgage is not the originator of the loan, and over the past several years the previous mortgage company always paid the property tax bill directly to the XXXXXXXX XXXX XXXXXXXX XXXX. I faxed over the letter, the incorrect check which I marked VOID on it, and the XXXX XXXX Wisconsin Real Estate Property Tax Bill For XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX directly to Mr. Cooper Mortgage to ( XXXX ) XXXX on XXXX XX/XX/XXXX @ XXXX CST. A confirmation letter was received. In XX/XX/XXXX, I called to verify if Mr. Cooper Mortgage received the fax with the XXXX XXXX Wisconsin Real Estate Property Tax Bill For XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX stating payment due on XXXX XX/XX/XXXX. Mr. Cooper Mortgage company stated yes. I asked if the tax department paid the real estate property tax bill for XXXX directly to the XXXXXXXX XXXX XXXXXXXX XXXX since it was approximately two ( 2 ) weeks before the bill was coming due on XXXX XX/XX/XXXX. Mr. Cooper Mortgage stated no. The real estate tax bill for XXXX to the XXXXXXXX XXXX XXXXXXXX XXXX in the amount of {$4800.00} was finally paid LATE on XXXX XX/XX/XXXX. In addition, Mr. Cooper Mortgage states that I have a shortage in the escrow account in a letter dated XXXX XX/XX/XXXX in the approximate amount of {$5000.00}. The statement clearly shows a payment in XX/XX/XXXX in the amount of {$4900.00} in which the check was marked VOID on it sent via fax back on XXXX XX/XX/XXXX ; and a payment in XX/XX/XXXX in the amount of {$4800.00} for the real estate property tax bill for XXXX XXXX XXXX XXXXXXXX XXXX. So, now Mr. Cooper Mortgage is showing that payment for the real estate property tax bill for XXXX has been DOUBLE paid to the XXXX XXXX XXXX XXXXXXXX, not showing any credit for the VOIDED check in the amount of {$4900.00} which was faxed to them on XXXX XX/XX/XXXX. The 'new ' monthly mortgage payment is now approximately over {$400.00} in addition to the regular payment for the so-called {$5000.00} shortage in escrow which is utter falsehood and continued incompetence on their part.

Company response to consumer: Closed with explanation