vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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 Original Creditor : XXXX XXXX Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Original Creditor : XXXX At The XXXX # XXXX Original Creditor : XXXX At XXXX XXXX Paces XXXX XXXX Original Creditor : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-13 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXXXXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX  ACCT NUMBER : XXXX XXXX, Account Name XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : US BANKRUPTCY COURT-XXXX XXXX XXXXXXXX : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, have all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they never sent me the required disclosures, of which would've given me the ability to opt out of having my non public personal information furnished to third parties.

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 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
On XX/XX/2022 I was admitted as an indigent patient ( at night ) to the Behavioral unit of XXXX XXXX XXXX in XXXX XXXX XXXX Florida. I was released on the morning of the XXXX. I received a bill for services from XXXX XXXX associates in the amount of {$710.00} which I paid in full online on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail from a debt collection agency, Medicredit that I owe, for the same service, total of {$2600.00}. I called them on XX/XX/XXXX, for an explanation and they simply told me I owe the debt. I explained that I never received a debt collection letter in the mail and needed to see how this debt originated. I verified my address and they assured me that one would be in the mail. On XX/XX/XXXX, they left me another voicemail about the debt. I called Medicredit on XX/XX/XXXX and explained that I still have not received the debt collection letter in the mail and it's been over XXXX days. Because I believe I had to protect my rights I sent a validation of debt request to Medicredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: LA

Complaint narrative:
In accordance with the fair credit reporter act XXXX XXXX Loan amount XXXX XXXX # XXXX Date : XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights15 USC1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your 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 2022-10-13 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: TX

Complaint narrative:
I have accounts that are identity fraud that are reporting to my credit profile. Please refer to attachment for further 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 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
XX/XX/XXXX - Called loan servicer Mohela to request a refund on about 2 separate payments totaling {$2300.00} in student loan payments made since XXXX of XXXX. Was told that refunds would be given out within 30 business days max. 

Have tried calling on multiple occasions, have either been told by automated system that it would be a multiple hour wait or call would just end on occasion before hearing from automated system. 

XX/XX/XXXX - Able to finally connect to a representative, now told that refunds could take up to 90 days despite hearing that others who made refund requests of payments with higher amounts on dates later than XX/XX/XXXX having already received their refunds. Mohela seems to have no clear process or clear communication on where my request is at along the process. 

Understand they are tremendously understaffed and these workers are likely being told to recite same script to each caller but I have made financial decisions based around the fact I would receive this refund by the end of XXXX at the absolute latest. It is extremely worrysome and disappointing to be having this experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
I was a young kid and didnt know about credit or monitor it like i should have. Now that I am older i realize that my identity was used and I do not understand how people were able to open accounts without me knowing. Im still learning how credit works. I have fraud accounts from XXXX XXXX XXXX XXXX XXXX XXXX. I also have a bunch of inquiries that I did not authorize.

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 2022-10-13 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: NJ

Complaint narrative:
I recently requested my credit report history from TransUnion on XX/XX/2022. I received a response from them via mail Stating that they were unable to locate a report for me. I know this to be an accurate because I then requested for a report from the same company XXXX TransUnion ) online. Once I did this I was able to not only find a history but discovered that they reported 4 Late accounts, 4 accounts in collection to a total of {$2700.00} as well as a misspelling of my name. They reported my name as XXXX XXXX however the correct spelling is XXXX XXXX. In addition they reported 0 open accounts however on the report details all 4 accounts are said to be currently active/open. These findings create a negative impact to my credit and has caused confusion and fear that my personal security and credit reporting record has been breached and or compromised. I would like for them to remove any and all derogatory and and or inaccurate information including a correction of the spelling of my name.

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 2022-10-13 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: FL

Complaint narrative:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: AL

Complaint narrative:
Its the fact you stated you didnt receive my identification to locate my file which I know is a stall tactic but I want to make sure you get it this way so you can stop saying you didnt get my certified mail and this is not an error that I'm resubmitting 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage is currently serviced by XXXX mortgage. It is zoned a commercial property but has a residential loan attached to it. I have approached XXXX to correct this matter on may occasions. XXXX has advised that I have to complete an online form to proceed, however they have failed allow me into the portal. XXXX is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. The rules listed below clarify the obligations of XXXX. 

XXXX Loss mitigation procedures. 

CFPB Rule 41 ( b ) ( 1 ) A servicer has flexibility to establish its own application requirements and to decide the type and amount of information it will require from borrowers applying for loss mitigation options. In the course of gathering documents and information from a borrower to complete a loss mitigation application, a servicer may stop collecting documents and information for a particular loss mitigation option after receiving information confirming that, pursuant to any requirements established by the owner or assignee of the borrower & # XXXX ; XXXX mortgage loan, the borrower is ineligible for that option. A servicer may not stop collecting documents and information for any loss mitigation option based solely upon the borrower & # XXXX ; XXXX stated preference but may stop collecting documents and information for any loss mitigation option based on the borrower 's stated preference in conjunction with other information, as prescribed by any requirements established by the owner or assignee. A servicer must continue to exercise reasonable diligence to obtain documents and information from the borrower that the servicer requires to evaluate the borrower as to all other loss mitigation options available to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XX/XX/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 2022-10-13 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: LA

Complaint narrative:
Please see attatchments.

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 2022-10-13 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal closed my business account unfairly. I tried calling them to understand but they did not provide me with an actual reason why they closed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient calls several times a day after I told them To stop my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We are an authorized 3rd Party ; We are the Escrow/Title Company that handled the sale, and are responsible for making sure the Release of Lien is filed and done so correctly. 
We issued a payoff to PennyMac on XX/XX/XXXX, to pay off the existing mortgage with them. The home was sold. On XX/XX/XXXX, I began communicating with PennyMac regarding the Release of Lien. The Release was recorded on XX/XX/XXXX, but it was filed under the wrong Document Number. The correct Document Number is XXXX. PennyMac filed the Release under XXXX. I sent PennyMac the fully executed 3rd Party Authorization on XX/XX/XXXX. I have continued to follow up with PennyMac on the following dates-XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The continue to tell me they don't have 3rd Party Authorization. The Release of Lien needs to be corrected and filed under the correct Document Number. The lien is still showing up on title as being open, and is causing a cloud on title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : 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 2022-10-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Kubota North America Corporation
State: TX

Complaint narrative:
I purchased a Kubota XXXX skid steer around XX/XX/XXXX. I set it up for the payment to automatically come out of my bank account every month. A payment was never missed. I believe I owned the unit for just under a year. I took it to XXXX XXXX XXXX dealer for warranty service work. The XXXX XXXX was stollen off of their property while they had it. After a few months their insurance company came to an agreement to pay the skid steer off. I called Kubota credit to make sure they received the check because I was going to purchase another skid steer. They said the check had been received and that everything was paid for. I asked them what I needed to do to close the account so that an auto payment wouldn't come out again. They told me how to go online and do it. This is where the issue comes in. I received an attachment called a Grappler with the skid steer in XXXX of XXXX. It was financed within the same account. The lady that told me to close the account must not have caught that. I didn't know it was financed as a separate piece. They finally called me and I paid it off right away. Next thing I know they reported me as not paying it on time and my credit score dropped XXXX points. I've had my new Kubota skid steer for XXXX plus months and still have not missed a payment or been late. I talked to them about the issue on XX/XX/XXXX and again to a person that said a manager would look it over on XX/XX/XXXX. They said they would call me back and never did. I received a letter that they denied my request to fix the credit reporting and that was it. I try to pay everything on time and because of a mistake on their end telling me to close the account..ended up ruining my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief