vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Flood insurance was not paid until XXXX. Sent proof of flood insurance but house went into foreclosure. Addition fee added {$2300.00}. Letter of Foreclosure received XX/XX/2022. Letter referred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX. XXXXfor any questions and reinstatement. Since XX/XX/2022 have been waiting for amount owed for reinstatement. Have eight emails, five phone calls going back and forth with XXXX since XX/XX/2022. They have received no information from PHH Mortgage, the server, with the needed information. PHH Mortgage has not complied to any of XXXX 's request for information. PHH mortgage will not respond!! I need help with PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX. XXXX. The account is listed under my dad XXXX. I have Durable Power of Attorney... all notorized and verified both by PHH and XXXX. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Accounts with TransUnion, XXXX, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.

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 2022-05-20 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:
In accordance with the fair credit Reporting act XXXX Accounts with XXXX, XXXX, and Experian have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.

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 2022-05-20 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: Adler Wallach & Associates, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  XXXX  Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: AmeriCollect
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in 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 2022-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in 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 2022-05-20 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: TX

Complaint narrative:
This inquiry IS NOT an admission to this debt. 

On XX/XX/2022, I contacted Experian regarding a debt that is being reported on my credit. My credit report states the collection agency is XXXX XXXX XXXX collecting on a debt originally from XXXX XXXX XXXX XXXX. Back in XXXX, I reached out to the collection agency asking them to please provide proof of this debt including the original date of last delinquency to determine if this debt is time-barred ( meaning the statute of limitations window is closed ), proof of any signatures authorizing the opening of this account, and proof that I was notified in writing from this collection agency that they were attempting to collect on this debt and that they were reporting it on my credit. I received nothing. That's when I decided to dispute directly with Experian on XX/XX/XXXX. In the dispute, I included a copy of the correspondence I sent the creditor along with copies of the certified letter receipts verifying they received it. I assumed this would be resolved since I have never had anything to do with this creditor or collection agency. Unfortunately, Experian came back and said nothing changed. What puzzles me is upon speaking with an Experian rep in XXXX, he explained to me that most of the time when a dispute comes in labeled " Not mine '', their system automatically kicks it back as being " verified ''. 

The FDCPA ( Fair Debt Collections Practices Act ) requires a collector to send you a written notice containing the name of the original creditor, the amount you owe, a statement saying you have 30 days to dispute the debt and information on how to dispute the debt collection. Not only did this collection agency not provide any proof of the debt as I requested, but they also did not send me any notices regarding the collection of this debt as mentioned above. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who engage in this unlawful behavior.

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 2022-05-20 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: PA

Complaint narrative:
Checkr has produced a background report for an employer that states I have two guilty convictions for charges that were indeed dismissed with prejudice after being appealed to a higher court, the presiding magistrate was commanded to recuse himself from any further cases involving me due to his complete incompetence and prejudice in handling the case. 

The DA later apologized to me personally... I have copies of my current criminal record and it reflects the info I have provided... perhaps Checkr should spend the {$20.00} to send away to the XXXX XXXX Police Records Repository who can send them accurate and correct info that does not harm my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: M&T BANK CORPORATION
State: RI

Complaint narrative:
Credit Inquiries on my credit report XXXX XXXX XXXX XX/XX/2021 M & T Bank Indir XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express notified me with a form letter on XX/XX/XXXX that I had violated the terms of an offer and they were going to be charging my account {$150.00}. The form email stated several reasons possibly why. When I called to inquire, I was told by the first rep that since I had downgraded my Blue Cash Preferred card at the time of my card member anniversary in XXXX ; American Express was revoking the {$150.00} promotional offer they had emailed to me around XXXX XXXX XXXX and charging my account. I was unaware of this requirement. When I called to downgrade in XXXX and said that I did not want to pay the {$95.00} annual fee, the American Express rep did not say anything about the possibility of me actually being charged {$150.00}, instead of the {$95.00} annual fee. If I had known that, I would have paid the {$95.00}. I think it is unfair when a company buries important terms and conditions in small print or on page 4 or 5 of a document and then turn around and declare that you have violated some term that you as a normal ( non-professional finance ) consumer did not know or understand. I have been busy juggling covid, elderly parents, inflation, and my health for the past year, I think American Express needs to make their terms and conditions clear if they are going to enforce them in an automated manner as they have done in my case. I did ask to speak to a supervisor XXXX who said American Express would be reviewing my case over the next 7-10 business days, but she was unable to resolve the dispute herself. I have never encountered a situation like this before, and had no knowledge of this condition. At this point, there is no way I can even retrieve an email from my account from over a year ago to see where I missed the requirement. Please help me resolve this dispute, as I am a struggling consumer up against a very large company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX/XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  ( Original Creditor : 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 2022-05-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) Account # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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:
I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, XXXX AND TRANSUNION ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated

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 2022-05-20 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:
I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND EQUIFAX, XXXX AND XXXX ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy.

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.

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 2022-05-20 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Credit Inquiries on my credit report JPMCB Auto Finance XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My original mortgage was taken out on XX/XX/XXXX. I made regular on time payments each month. The financial institution was XXXX XXXX. During XXXX of XXXX, XXXX XXXX sold my mortgage to Mr. Cooper, the company that is now my current loan servicer. As a result of this transaction, to which I was not made aware of nor gave any consent this impacted my credit score significantly XXXX XXXX points in XX/XX/XXXX. I do not believe that this should reflect on my credit report as a brand new loan and thus reducing my score XXXX XXXX points because behind the scenes it was decided to sell or transfer my mortgage to another servicing provider with different terms than the provider I originally went with. I would like this to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: DISCOVER BANK
State: AL

Complaint narrative:
I was enrolled in the Covid-relief program with my credit card provider Discover and the program ended, I was not fully back at work and would like my payments not reflecting late or delinquent on my credit report based on the The Recovery plan. I would like my credit report to reflect that I was on the covid relief program with this company. I called to ask them for a goodwill gesture to remove the negative reporting due to Covid and not being able to work they denied the gesture and letter stating the information reported is not invalid, I do understand that I am asking the account if not removed show up on my credit report as late due to covid. I am in the market of XXXX XXXX  and it is important for me to have good credit to obtain loans to work to pay bills. I do not understand why this creditors refused to report my credit under the recovery act as late due to Covid Pandemic. I ask that this account be removed as late and under the American Rescue Plan Act. Discover is billion- dollar company that I would hope honors their clients who have suffered so much loss during the pandemic but they would not help me and I need the help to continue working.

Company response to consumer: Closed with explanation