vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
Company reporting 3 loans on my XXXX report past due. I have made payment on time and 2 of 3 loans are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/2021 to current for XXXX this was for a credit card bill max XXXX before went to collections paid off all but XXXX went to collections for XXXX the collection agency says i never paid off down to XXXX sent them proof and then they refused to further collect so another co took over did say came after for XXXX i submitted all my bank statements over and over and they said who cares i told them this is fraud i do not owe this money you have me in collections for i paid i only owe XXXX they still said who cares nothing we can do pay XXXX or not removing i have proof of hundreds emails i sent to first collection agency who stop it cause they knew i didn't owe it was fraud on my reports collections i do not owe then this company that has many lawsuits against them took over and still trying to come after me amount i do not owe and submitted proof do not owe they finally removed from my XXXX but still on XXXX and XXXX causing me issues getting denied rental applications for money i do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

XXXX XXXX XXXX Account number 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 an 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

XXXX XXXX XXXX Account number 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
15 U.S.Code {$1600.00} ( 0 ) - right to rescind after 3 years Rescind paper work was never furnished 15 U.S.Code {$1600.00} ( b ) - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge. Loan fee, finder 's fee, or similar charge.

15 U.S. Code $ 166z ( b ) - mixing cash with consumer credit transaction I was mislead into this deal and car was taken under law I am entitled to entitled to two times the amount of the finance charge which was {$27000.00}, {$1000.00} for all additional violations, and or they can receive up to 1 year in federal prison for false and misleading information and illegally repossessing the vehicle. I want this debt completely removed from credit report and to be compensated for illegally and wrongfully leading me into this contract and unlawfully repossessing vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: OR

Complaint narrative:
I had an approved requested Cares Act Forbearance Plan with XXXX XXXX XXXX XXXX  that did not get transferred with my loan when they transferred it to Gregory Funding XXXX XX/XX/2022, they said it would take up to 60days to get all documents transferred. I filed an application for Oregon Home Owners Assistance Program, and also filled out loss mitigation papers to avoid foreclosure, The packet was approved today. With a loan payment amount increase of {$360.00} plus an escrow payment due of {$1200.00} in which my escrow account was XXXX balance upon transfer. I would like to know why it wasn't transferred with the loan. GF is asking that escrow account be paid on XX/XX/2022, and a payment of XXXX due 2 days later. Today followed up with a phone call pertaining to the documentation I received today, and they denied that no where on document does it say lender will proceed with foreclosure if payment is not paid promptly. I repeated the section in where that is stated and the rep said thats if you dont make a payment on your new forbearance plan. I though Forbearance is a differed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: SERVICEMAC, LLC
State: FL

Complaint narrative:
Incorrect info from ServiceMac stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at ServiceMac that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with ServiceMac has done no good. Please help us remove the incorrect info that ServiceMac has chosen to ruin our credit for us two senior citizens in XXXX XXXX, Florida.

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 2022-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXX of XXXX, we closed our ThirdFederal HELOC account XXXX having it paid off with a new HELOC  company. On XXXX we got docs mailed about the lien release. Access to the closed account was removed from our online portal. On XX/XX/XXXX, ThirdFederal drafted {$600.00} from our linked bank account. We had that amount set up as an autodraft previously. On XX/XX/XXXX I called ThirdFederal and said that I wanted the {$600.00} reimbursed. I spoke with XXXX. She told me that the funds were returned that same day. After checking my bank accounts, I let her know that it did not come back to me electronically into the same account it was taken from. I subsequently asked my bank if they saw an attempted return of the money taken and they said no and said to ask for the tracking number on the payment from ThirdFederal. XXXX was unable to assist further. We contacted ThirdFederal through the banking portal ( bc we still have our primary mortgage with them ) and asked for the ACH re-payment tracking number. XXXX XXXX instead stated in response to our inquiry, " When this happens, we hold the funds for 8 business days and mail a check to the address we have on file. I do see a check in the amount of {$600.00} was mailed on XX/XX/XXXX. The check number is XXXX and we do ask that you wait 7-10 business days to receive it. '' We waited until XX/XX/XXXX to receive the check and since we didn't get it yet called ThirdFederal again today and said so. XXXX took the call but was wholly ill-equipped to deal with this problem and had to keep placing me on hold so he could coordinate with the people who really could " help. '' XXXX came back on the phone at one point and said the money went to an account ending in XXXX as though that meant something to us. We confirmed we had no bank account ending in that account number - I even checked our new HELOC #. He also at one point said he was told no check was sent out. I asked XXXX about his supervisor 's name and he didn't give it to me and redirected the question. He said that he will call us back tomorrow after more research is done by this other department. They made it impossible for us to cancel the $ XXXX payment closing us out of the HELOC portal, took the money unauthorized, tell us they are sending it back but don't, and then give us frustrating run arounds and don't let us talk to anyone capable of giving us the {$600.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/2021 to current XXXX i owed XXXX XXXX XXXXt that amount went to collections with lvnv fund i paid lvnv fund they removed from my collections but web bank didn't they still have on my credit report won't remove won't update that was paid won't do anything per agreement that i pay it would be removed but i have called emailed disputed nothing changes then i called XXXX they said it would be removed it was to be removed in XXXX but they would make sure was removed still won't remove or update no matter how much i dispute it's illegal that they don't update that i paid as agreed or remove like they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump XXXX  for failure to process and approve thousands of Borrower Defense to Repayment applications.

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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with LVNV Funding LLC and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by LVNV Funsing LLC not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Closed my account with notification and no one can explain why. No letter or email.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by Experian Credit Bureau, and XXXX Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I pulled my consumer report to find ProCollect Inc is reporting inaccurate information on my consumer report on XX/XX/2022 I sent a letter ( USPS Tracking # XXXX ) requesting to validate the alleged debt. On XX/XX/2022 ProCollect Inc responded with a letter dated XX/XX/2022 alleging that the debt was valid without the requested documents to validate the alleged debt.

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
We made an {$11000.00} payment towards principal to reduce the loan balance to {$380000.00} which is 75 % of the assessed value of {$510000.00}. SLS keeps moving the needle. Originally they repeatedly told us we just needed to meet 80 % of the assessed value, even though they knew we bought the house less than 5 years ago. Now everything has now been met to remove the PMI. I have attached and enclosed proof of the principal payment that we made today.

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 2022-08-18 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: NC

Complaint narrative:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MS

Complaint narrative:
This has been my second attempt to get my house refinanced. This time the process took over 2 months. Every week we were all done and then they would come up with more nit picky stuff to try to find a reason to deny it. Then they denied my credit simply because they could not handle what I said or the truth to what they are really doing here. Their decision was not based on any of my qualifications, they discriminated on the fact I hurt their feelings. The words I say do not disqualify me from a mortgage, if they did not want to hear them then they should do their job in a timely manner. 

XXXX XXXX even threatened to try to get me fired from my employer and report me to the local and federal authorities. So they literally tried to blackmail me to keep me from trying to contact them again. Because they could not handle words, or truth rather. IT takes a lot more thick skin than that to function in this world and people need to understand that. Blackmail is not the way to get anywhere. If they push that envelope further I will retain a lawyer to further that action as that will not be tolerated at all.We both can play the game of who knows the most words here. 

First it was explanation letters and proof of statements for what was already on our credit reports. That was detailed in our credit reports and when we questioned it, they were suddenly able to handle it on a phone call with the credit bureaus, but we had to stay on hold for hours to make that call happen. Then week after week it was either a new processor or new requests for useless information. They are so unorganized it is not even funny. We have wasted so much time on this process. 

Then after the final request for me to waste more of my time just so that they can make the mortgage itself pretty enough for them to sell for profit, and provide them with papers that have no bearing on the mortgage itself. I was already qualified and everything was submitted that they needed to see that. 

The credit denial letter is attached. The appraisal for the property is as well, so that you can see that teh reason for the denial is completely fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation