vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the accounts below have violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2022-06-14 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: GA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My credit was frozen and American Express still issued a credit card to a fraudulent person in Florida. I have no clue who this person is but American Express gave me his information. Despite my attempts, American Express refuses to close the credit card even though I personally do not have an account with them. This is fraud! This person was allowed to charge up to XXXX dollars even though they said they froze the account until he provided the proper identification. He never provided such identification since he doesnt have my DL or anything like that but since he made a small payment, they allowed him to continue to use the card. I have called many times and they say they will investigate but it always comes back denied. I have a police report and this person used my information to open other accounts which I had no issues getting closed since it was obvious fraud. This should never have happened in the first place since my credit was frozen since I have had issues in the past with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had this Chase Sapphire credit card for more than four years, I never had a late payment and I always was a good customer. 
Just recently received a letter from Chase that theyre closing my account and they dont provide any information why and when I contacted customer service they said they cant say the reason due privacy concerns, they can not share the information and just dont want to do the business anymore .Ive paid annual fee for this credit card every year and now they just want to close it without providing any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
LOAN MODIFICATION STARTED XX/XX/XXXX I HAVE BEEN CONTACTING PHH MORTGAGE FOR AT LEAST 3-4 YEARS FOLLOWING UP ON A LOAN MODIFICATION. MONEY HAS BEEN SPENT ON NOTARIES AND CERTIFIED OVERNIGHT MAIL.. STILL NO APPROVAL AND YET AGAIN PHH MORTGAGE IS ASKING ME TO START THE PROCESS ALL OVER AGAIN. THIS MORTGAGE COMPANY IS VERY UNPROFESSIONAL AS WELL AS THE STAFF WHO WORKS THERE. I HAVE EMAILED REQUESTED DOCUMENTS AND SPOKEN WITH NUMEROUS STAFF MEMBERS AND IT SEEMS LIKE EVERYONE HAS AMNESIA WHEN I ASK IF MY DOCUMENTS WERE RECEIVED. HERE I'AM IN XXXX STILL NO RESOLUTION. UNBEKNOWNST TO ME NO ONE HAS YET TO REACH OUT AND ASSURE ME OF MY ACCOUNT STATUS. HOWEVER, WHEN I DO RECEIVE A PHONE CALL, ITS ONLY TO INFORM ME OF MISSING DOCUMENTS AND/OR EXPIRED DOCUMENTS RECEIVED. AS OF XX/XX/XXXX I FINALLY RECEIVED AN ACCEPTANCE LETTER STATING MY LOAN MODIFICATION WAS APPROVED. PAYMENT WAS MADE ON XX/XX/XXXX, LATER I RECEIVED A DENIAL LETTER FOR MISSING DOCUMENTS. REASONS BEING MY MIDDLE INITIAL WAS NOT WRITTEN ON THE NOTARY DOCUMENTS ''REALLY '' PHH MORTGAGE SENT THEIR OWN NOTARY TO MY PLACE OF EMPLOYMENT TO CORRECT THE LEGAL NAME. UNKNOWINGLY, THERE WAS A DEADLINE FOR THE DOCUMENTS TO BE RETURNED BY THEIR ASSIGNED NOTARY AND I'M TO BE HELD ACCOUNTABLE FOR DEADLINE. AS OF TODAY XX/XX/XXXX, I RECEIVED A PHONE CALL FROM PHH MORTGAGE STATED MY LOAN MODIFICATION WAS NOT ACCEPTED AND I NEEDED TO START THE PROCESS ALL OVER AGAIN. AFTER MAKING 3 ON-TIME PAYMENTS I WAS TOLD BY A SUPERVISOR THAT SOMEONE WILL REVIEW MY ACCOUNT AND REACH OUT TO ME. I'M DEALING WITH STRESS & XXXX BECAUSE OF THIS PROCESS AND NO ONE IS TAKING THE INITIATIVE TO RESOLVE MY ISSUE ; YET EVEN READ THE NOTES IN THE SYSTEM BEFORE CALLING ME. I HAVE A RELATION 'S MANAGER BUT SOMEHOW MY DOCUMENTS ARE STRANGELY DISAPPEARING. THIS IS BY FAR THE WORST MORTGAGE COMPANY I HAD EVER EXPERIENCED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI

Complaint narrative:
Last year, my wife and I fell behind on our mortgage starting in XXXX. I was not working at the time, I was attending for that semester. I finally started back working full-time in XX/XX/XXXX last year. In XXXX, I attempted to make a payment with cardinal financial and was denied because the company had a claim against me for foreclosure. Mind you, I did make some payments between XXXX and XXXX. But interest kept piling up. I. Any effort to keep from foreclosing, my wife and I used money from our XXXX along with money her mother gave us to pay down the balance, which was XXXX dollars. We payed them XXXX of it and was told we'd receive a loan reinstatement package in the mail after our forbearance was up which was from XXXX this year to XXXX of this year. The company has not updated our payments nor sent this package for us to sign. And sometimes no one answers the phone when we call. Now that the forbearance is up, we can't make any payments because cardinal financial is still reviewing our loan status while waiting for a signed reinstatement package that they have not sent to my address as of yet. Mean while, our delinquent payments are still accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-14 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
In accordance with the Fair Credit Reporting and XXXX  Acct 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Acct 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
The house was sold on XX/XX/2022 and the amount Essex Mortgage stated needed to be paid was on the pay off letter. Then they sent me a notice that I still owed over {$27.00} XXXX dollars for a place I havent had since XXXX. XXXX title company paid an additional amount to make sure everything is cleared and they are still reporting that I owe {$350000.00} for a place that has been sold for XXXX months. 

They do no communicate with their customers very well, especially during Covid, and dont communicate internally to show that the house has been paid off. All loans are cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
In accordance with the Fair Credit Reporting act 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 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-06-14 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-06-14 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: FL

Complaint narrative:
I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: HI

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX Virginia. 
The property was infested with Rats, Roaches and Mice. 
The parking garage had cars set on fire nightly. 
2 women were XXXX in the parking garage. 
XXXX presented to me that the property was safe and clean. 
I stayed in the property from XX/XX/2018 and vacated by XX/XX/2018 I reported these issues to the leasing department Several times. They did nothing about it. 
Rats ran in the hallways, it was a horror story. 
I paid my rent and paid for the month of XXXX as advised by the leasing manager. He advised they would keep my security deposit and he would call the situation a wash.

The Manager lied to me and did not report my payment for XXXX. 
XXXX XXXX was the owner but they sold the building in XXXX to a company XXXX. 
Both XXXX and XXXX XXXXl have no record of my holding a dept as XXXX XXXX no longer owns the building. 

A debt collection company Fair Collections Outsourcing is fraudulently reporting to the credit bureaus that I owe this debt and I do not. I have never been contacted by Fair Collections via phone or in writing is falsely reporting that XXXX XXXXXXXX  still hold the debt and they do not. XXXX does not know who I am and does not have a record of my holding a debt. 

I was a XXXX resident at that time. 

Please assist me. These people are ruining my life with false reports on my credit report

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 2022-06-14 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: CO

Complaint narrative:
In 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 : 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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
Yes, I have called you guys multiples of time regarding my fraud transactions and you guys told me that you guys would remove those XXXX fraud transaction with the card ending in XXXX, and it's still on my statement, what the deal??? the transaction are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im tired of contacting you guys and requesting for the same thing over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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 an 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