vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I OTAIN A LOAN IN XXXX FROM XXXX XXXX XXXX XXXX THEY RETURN FILE IT IN A BOGUS TRUST THAT WAS FAKE THE FEDERAL GOVERMENT SHUT THE MORTGAGE DOWN IN XXXX MY PAYMENT WENT UP FROM XXXX TO XXXX IN A YEAR I MANAGE TO PAY IT UNTIL XXXX, A COMPANY CALL WITH NAME CARRINGTON MORTGAGE TO SEND PAYMENTS TO THEM XX/XX/XXXX XXXX SO I DID IN XX/XX/XXXX I WROTE THEM ASKING TO VALIDATE MY LOANS AND ALL THE PAYMENTS THE SAID THAT THEY COULD NOT ONLY COULD DO XXXX I DISCOVERSD THEY WAS THE WRONG COMPANY THAT I WAS PAYING I STOPED IN XXXX A FORECLOSER WAS FILE I FOUND THAT A FAKE MORTGAGE ASSINGMEMT WAS FILED IN THE COURTS XXXX THEY DROPED THE CASE AFTER LOOSEING A SUMMARY JUDGEMENT CAN BACK IN XX/XX/XXXX CASE NUMBER XXXX IN XXXXI FILED A MOTION TO STRIKE THE FAKE ASSINGMENT FROM THE RECORD THE ASSINGMENT WAS THE SUBJECT MATTER OF THE FORECLOSER GAVE THE STANDING TO FORECLOSE, COURT GRANTED ME THE MOTION BECAUSE THE WERE NOT THE RIGHT PARTY .XXXX XXXX XXXX XXXX AS TRUSTEE IS THE ONE WHO SUPPOSEDLY FORECLOSEING BUT THE TRUST DONT EXIST DBNT HAS A VERY LONG HISTORY OF CRIMES MORTGAGE FRAUD TAX EVASION MONEY LAUNDERING BILLIONS OF DOLLARS IN FINES THE HAVE CORRUPTED LAWERS FILEING FAKE DOCUMEMTS IN COURT THEY FILED A MOTION TO DENY MY RIGHTS TO A JURY TRAIL A YEAR AGO MOTION PENDING, SO THEY FILE A ORDER TOHAVE THE MASTER AND EQUTY JUDGE XXXX XXXX SO HE RECUSE HIM SELF WITH OUT A HEARING DUE PROCESS SO HE PICK A SPEACIAL REFEREE XXXX XXXX XXXX .NOW XXXX XXXX AND THE BANK LAWER WHO ARE TRYING TO FORECLOSE XXXX XXXX WORKED IN THE SAME LAW FIRM AT ONE TIME THE JUDGE SHOULD HAVE NONE THIS THIS CASE SHOULD BE SCHEDULED TO BE HEARD BY A JURY IN CIRCUIT COURT JUDGE THE ARE TRYING TO GET THE COURTS TO DO DIRTY WORK BECAUSE THE LIED AND CANT PROVE THEY HAVE THE RIGHTS TO FORECLOSE THEY ARE SO CORRUPED I FEAR FOR THE SAFTY OF MY FAMILY I CAN EXPLAIN IN MORE DETAILS IF NEEDED PHONE NUMBER XXXX I AM GOIN TO TURN THIS OVER TO THE FBI ITS TO DANGEROUS THE BEEN HARASSING MY FAMILY AND TRYING TO FORECLOSE FOR 12 YEARS I HAVE A LAWER AND HE IS AFRAID I AM A XXXX XXXX  XXXX XXXX XXXX XXXX I FOUGTH FOR MY COUNTRY NOW I FIGHTING TO SAVE MY HOUSE IN THE COUNTRY I WAS WILLING TO DIE FOR THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the XXXX credit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, XXXX, XXXX, and Equifax refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the XXXX XXXXredit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, XXXX, Experian, and XXXX refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.

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 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC letters about some alleged debts of : XXXX, and XXXX that i do not owe, i never gotten a response so on XXXX XXXX i sent out another letter asking for the validity of the debts in which i never received.MERCHANTS ADJUSTMENT SERVICE, INC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of XXXX, AND XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANTS ADJUSTMENT SERVICE, INC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XX/XX/2021.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
I am XXXX XXXX and I am not using a third party. I am a consumer who knows their federally protected rights. XXXX XXXX XXXX XXXX XXXX is in direct violation under federally protect consumer rights 15 U.S 1681b ( c ) ( 2 ) as I did not give this corporation permission to furnish a consumer report. No consent is IDENTITY THEFT. Additionally, XXXX XXXX XXXX XXXX XXXX is violating federally protected consumer right 15 USC 1681 ( a ) ( 1 ), " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Additionally, XXXX XXXX XXXX XXXX XXXX is violating federally protected consumer right 15 USC 1681 ( a ) ( 4 ) - violating the consumers right to privacy. As a consumer, I have a right to privacy and reporting ANY personal information without my direct written consent is a violation of the consumers federally protected rights under 15 USC 1681. As a consumer with a right to privacy, I demand the deletion of XXXX XXXX XXXX XXXX XXXX from all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX provided my information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Contacted loan service Specialized Loan Service XX/XX/XXXX and XX/XX/XXXX. Current in forbearance want me to will end XX/XX/XXXX. They want me to pay {$23000.00} all at once or move out, or they will start the foreclosure process. I am a Veteran, age XXXX XXXX XXXX XXXXXXXX XXXX XXXX and a XXXX patient. President Biden and Congress has announced a plan to help Veteran even if they don't have a VA Loan. The Palm Beach Mortgage Assistance Program sent them a check for {$9200.00} and they sent the check back to Palm Beach Housing Assistance. 

PLEASE HELP!!!! Deadline is XX/XX/XXXX. 

Veteran 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 2021-09-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My mortgage was put into forbearance. After the forbearance ended I have been trying to re-fi or do a loan modification. I have been paying my mortgage since the end of my forbearance but SPS has been reporting that I am in default because my loan was in forbearance. Because of this I can't get a loan from anyone and SPS has denied me any assistance. They are requesting that I come up with the entire amount of the forbearance to bring my loan up to date. My loan is up to date but they have been applying my payments to the forbearance amount and therefore are saying I am in default. They refuse to answer any of my questions and won't give me any assistance. They are terrible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX  are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Moiharwin Diverisfied Corporation
State: TX

Complaint narrative:
Vegas Valley Collection Service ( VVCS ) alleges I owe {$1000.00} to the originator XXXX XXXX for a medical debt. 
I requested evidence and substantiation of this debt in a timely manner, but XXXX already made a negative collection report to one or more credit reporting agencies as early as XX/XX/2021, but did not provide me any documentation until XX/XX/2021. They ignored my requests to validate the debt and dispute of it in accordance with the FDCPA sections 807, 808, and 809. As of XX/XX/2021 VVCS continues to report the debt is valid, effectively ruining my credit score, cost of credit, and increased material costs because I have to abandon my projects until this dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Have not received a single accurate statement from Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

XXXX XXXX HPFC acquired my account. On XXXX first a payment of {$2500.00} was made to XXXX XXXX  XXXX, on the XXXX of the same month another payment of XXXX was made XXXX XXXX. A conversation with a representative of XXXX XXXX confirmed that all payments made in XXXX would be applied to principal. A final {$1000.00} payment was made, this time directed to HPFC, so that I could trace how payments would be handled. 

Thus begins the morass, and my deep disappointment in their organization. 

I sent this request to them last Tuesday : -- -- With this missive I want to establish without question that the initial balance on XXXX first is {$260000.00} and not {$270000.00} as listed on the first statement on record. Therefore using a periodic rate of XXXX, the accrued interest is {$460.00}. 

I would appreciate a statement of agreement on this point. If that is not possible I would like a detailed explanation. 

I look forward to your reply, and will forward other points of contention at that time. I expect an answer within the week. 
-- -- They do not honor payments intended for principal. The last statement available on line lists {$1800.00} in interest. They have only had the loan for three months. A quick estimate, multiplying the initial interest by three is {$1400.00}! 

I have tried on multiple occasions to acquire satisfaction over the phone. They assure corrections will be made, but are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: WI

Complaint narrative:
I got a XXXX XXXX loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and Experian is becoming no help along with 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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing an ongoing issue with XXXX, XXXX, and Transunion that has been going on for well over a year. XXXX, XXXX, and Transunion are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, XXXX, and Transunion continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, XXXX, and Transunion are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer 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 2021-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing an ongoing issue with XXXX, Experian, and XXXX that has been going on for well over a year. XXXX, Experian, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, Experian, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, Experian, and XXXX are in violation of XXXX. XXXX ( XXXX XXXX. XXXX ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer 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 2021-09-14 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
Please be advised, I am XXXX XXXX XXXX. And I am submitting this complaint and accompanying documentation myself without any involved third party. This is not any sort of company or lawyer. Although I am using legal terminology, that is because I am aware of my rights as a natural consumer & will be pursuing legal resolution should be issue continue to be unresolved ignored. So that being said, fact, XXXX XXXX is in default and violation of FCRA statute 15 USC 1681i due to their non-responses to my previous request to remove invalidated information and information that they've illegally obtained without my consent from my consumer report in their database. Fact, XXXX XXXX received affidavits along with supporting documents on XX/XX/2021, at XXXX that detailed the specific records that were in need of removal due to their numerous violations per FCRA statutes for illegally obtaining, storing these records in their database, and reporting these records to other non-affiliated third-party consumer reporting agencies. XXXX XXXX did not fully complete the removal process nor fully respond to that request within the 30 days ( from the date of receipt of the consumer ) as required per 15 USC 1681i and as a result, they must now remove all of the records referenced in the original request that they received on the date listed above. The specific records that are referenced in that documentation, that was submitted to XXXX XXXX and that is now well past the 30 days allowed, and now must be removed immediately, are as follows : Bankruptcy Records Public Records ( 5 Records ) Identification Records ( 56 Records ) Address Characteristic Records ( 35 Records ) Phone Records ( 11 Records ) Education Records ( 7 Records ) Business Association Records ( 11 Records ) Online Marketing Records ( 20 Records ) Property Deed Records ( 1 Records ) Insurance Policy Records ( 4 Records ) Automobile Insurance Claim Records ( 3 Records ) Inquiry Records- ( 7 Records ) XXXX Records ( 43 Records ) Failure to comply with my request within the next 10 business days will be evidence used in federal court for your noncompliance under FCRA 616, 15 USC 1681 ( n ) and I will be seeking statutory & punitive damages in addition to the cost of the action and reasonable attorney fees.

Company response to consumer: Closed with explanation