vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor : Gemini Trust LLC has violated my rights under 15 US C 1681 section 602 I have the right to privacy under 15 US C 1681 section 604A section 2 it states a consumer reporting agency can not furnish an account without my written instruction under 15 US C1666 b it states 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 2023-03-17 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: NY

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
Hello there are a lot of unauthorized inquiries on my XXXX and transunion credit report I tried contacting them and they decline my inquiry they didnt try to help me these unauthorized inquiries are affecting me for Im XXXX! I need them to be removed this is beyond me Thank you

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 2023-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Request : Removal of Private Mortgage Insurance XXXX XXXX : XXXX XXXX : Purchased house for XXXX due to distressed status of property. Mortgage for XXXXXXXX XXXX XXXX XXXX : Spent XXXX on improvements and general repairs on house Summer XXXX : Loan sold to XXXX XXXX ( d/b/a Lakeview ) XXXX XX/XX/XXXX : Initial request sent to XXXX XXXX via mortgage servicing website for PMI removal ; received auto-generated response same day stating I would hear back in 5-7 business days XXXX XX/XX/XXXX : Still no response, sent email outlining PMI removal request with attached invoices for repairs. Requested appraisal XXXX XX/XX/XXXX : Received call from XXXX XXXX representative, same advised to not email them, a third party appraiser would be contacting me in the next day or two and if I did not answer the phone, they would leave a voicemail. They would be calling to set up an appraisal appointment. XXXX XXXX rep stated house would need to be appraised for at least XXXX to drop PMI removal. Rep stated they could not give a certain timeline, but it was likely to be resolved within a couple of weeks " by the end of XXXX. '' XXXX XX/XX/XXXX : Follow up request for PMI removal through mortgage servicing website. Advised that I have received no follow up it is had been weeks. 
XXXX XX/XX/XXXX : Current mortgage principal is {>= $1,000,000}. XXXX of improvements  completed. No response from mortgage company to date via phone call, website, or email. No appraisal <p> -- -- -- -- -- -- -- -- -- -- -- ---

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 2023-03-17 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: GA

Complaint narrative:
The following agencies was involved trans union, XXXX and XXXX was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake

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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XXXX XXXX ( Convergent Outsourcing ) attempted to fraudulently collect a debt of {$250.00} that was illegally sold by the actual creditor ( XXXX XXXX ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.

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 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage Servicing. Prior to XX/XX/XXXX, XXXX XXXX XXXX had been servicing my mortgage. XXXX had my loan on a forbearance from XX/XX/XXXX through XX/XX/XXXX. I extended the forbearance another three months because although I was able to make payments, I was not working nearly as much during those months and anticipated being short. I was told I could make payments even though the loan was on a forbearance so I made the following payments while continually extending the forbearance dates : XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX had assured me the past due payments would be deferred but then the loan transferred from XXXX to Shellpoint XX/XX/XXXX . Shellpoint insisted they needed a full package which resulted in denials for insufficient income. I explained I simply wanted to defer the past due payments and keep my 2.5 % rate because of course, any modification would increase my rate substantially. I only wanted to defer the past due payments and continue to pay my regular payment. I pointed out that not only did Shellpoint deny my loan for retention options but they stopped taking my payments and quickly referred the loan to foreclosure XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NC

Complaint narrative:
In accordance with the fair credit reporting act, the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX accordance # XXXX, XXXX XXXX/ my place acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, DBA XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX 15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : 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 reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am eligible for loan forgiveness through the Public Service Loan Forgiveness program that grants student loan forgiveness at 120 qualifying payments. I have been submitting PSLF employment verification forms for many years. With the current changes to how payment credit is being given and with the waivers being given, I have over 140 months of verified employment and qualifying payments. However, Mohela is only giving me credit for 112 qualifying payments. For some reason mistakes on Mohela 's part that I have pointed out with customer service representatives on five or more occasions are not being corrected. 

Also, I am not getting credit for verified employment prior to the year 2011. I have inquired about this on XXXX or more occasions but have not been given an answer as to why this is the case. 

Because of these issue, I am not receiving loan forgiveness that I have a right to under the Public Service Loan Forgiveness program.

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 2023-03-17 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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NY

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found on my credit report. I believe that these items are inaccurate and should be removed from my credit file immediately. 

Firstly, regarding the account with XXXX XXXX XXXX ( Account Number : XXXX ), I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Secondly, with regards to the account with XXXX XXXX ( Account Number : XXXX ), it is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

Thirdly, the account with XXXX  XXXX ( Account Number : XXXX ) has been charged off and should not have any payment history associated with it. Therefore, I request that you delete this account immediately. 

Fourthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Fifthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Sixthly, I want to bring to your attention that the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. This address belongs to someone else, and I request that you delete it from my report immediately. 

Seventhly, the inquiry from XXXX - XXXXXXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Eighthly, the inquiry from XXXX - XXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Finally, the inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

I appreciate your attention to this matter and request that you investigate these items promptly. Please inform me of the actions taken to correct these inaccuracies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 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 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 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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
So I signed up for a capitalone card. I saw a sign up bonus for the savior one purchase XXXX and receive a {$200.00} bonus. So I signed up for the card I spent about XXXX. I call in 1.5 months to see where my bonus is. They say we have one card savior one card with a bonus and one card with no bonus. I say I signed up for the one with the bonus otherwise I would have never signed up. Also what sense is having to of the exact same cards and one with no bonuses. Long story short they refused to give me my {$200.00} bonus.

Company response to consumer: Closed with explanation