vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act TRANSWORLD XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & XXXX account number XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, Why are you refusing to fix errors on my credit report, that I have provided you proof are wrong, with a letter from the credit card company stating the same thing? 

You are allowing errors on my credit report - that I demand are fixed per law. 

I AGAIN filed this complaint number XXXX located here : https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX ) I provided a letter from XXXX Card ( attached AGAIN ) that told you to change the hard inquiry to a soft inquiry on date : XX/XX/XXXX. THE CREDIT CARD COMPANY TOLD YOU TO CHANGE THIS FROM A HARD PULL TO A SOFT PULL. By law you are not allowed to do as you want - you need to change this from a hard credit inquiry to a soft credit inquiry immediately. They also sent you the same letter dated XX/XX/XXXX and as I type this XX/XX/XXXX you still refuse. 

This is copy and pasted from the attached letter from teh credit card XXXX : " An application was submitted on XX/XX/XXXX, using information verified to you. You notified us on XX/XX/XXXX, that this application was not submitted by you, and we have marked the application as XXXX. '' We also asked the credit reporting agencies to mask the credit inquiry from your credit report, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. We sent the enclosed confirmation letter dated XX/XX/XXXX. '' XXXX ) I provided you PROOF that my XXXX  XXXX credit card ( attached again ) was opened on XX/XX/XXXX and has been paid on time each month. Every single month needs a check mark indicating as paid on time. XX/XX/XXXX through XX/XX/XXXX NEED TO HAVE A CHECK MARK AS PAID ON TIME. 

Experian, you are required to change the hard credit inquiry to a soft credit inquiry as stated in ( # 1 ) above as well as have a check mark on every single month ( # 2 ) has been opened and paid on time. 

Attached to this complaint are : - Drivers license - Social security card - Mailing address - Complaint letter- XXXX letter

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 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My house was foreclosed on and I lost my house despite trying to get modification which was affordable at the time. I was working and had enough income to support a modification, but was denied numerous times over and over again from XXXX - XXXX. My house was {$500000.00}, but with denials ended up being over {$1.00} XXXX dollars in fees owed. Wells Fargo was the bank. Am I entitled to compensation?

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are unknown to me please view attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXXXXXX PORTFOLIO RECOVERY ASSOCIATES  account number # XXXX, XXXX XXXX account number # XXXX & XXXX account number XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: DriveTime
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & DRIVETIME/XXXX account number XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2023-01-17 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a credit card statement from Citizens Bank on XX/XX/2023 ; even though there was no balance transaction, I never authorized using their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my 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 non-monetary relief
Consumer complaint received 2023-01-17 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: NJ

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 602 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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, I suffered a house fire. My house was a total loss. I wish to use the insurance settlement to pay the mortgage off and try to repair my home. I requested a Pay off Quote. I also submitted a settlement offer to PHH mortgage to settle the debt. I was told, " My settle offered had to be in writing and copy of the funds also needed to be submitted to verify I had the available funds to settle the mortgage debt. On XX/XX/XXXX, I submitted in writing a Settlement Offer for {$20000.00} along with a copy of the insurance check from my house fire claim. I was informed, PHH Mortgage was hiring an Appraiser to come and assess the property because my offer might be low balling them. After several weeks of waiting to hear from the Appraiser, I was told, " I didn't qualify because my mortgage was in good standing and they would not be sending an Appraiser out instead they were mailing me out the application for Loan Modification ''. I never requested any type of financial help other than requested a lower Payoff/Settlement offer to settle the debt. 

From XXXX to XXXX, PHH Mortgage have been taking me through circles with settling the mortgage debt. Once they realized the Appraiser could not assess a burned house, only the value of the land could be assess, they decided not to send the Appraiser to do the assessment so we could settle the mortgage. Instead PHH Mortgage is trying to keep me in the mortgage when the house is a total loss/destroyed from the house fire .

I wish to settle the mortgage debt with PHH Mortgage. I was told, " I had to do the Loan Modification, which is part of the process before they could accept my Settlement Offer for the Underwriters ''. 

I have been displaced from my home every since XX/XX/XXXX, PHH Mortgage is prolonging the time for me to repair and get back into my home. Also, the insurance check is set to expire in XX/XX/XXXX if its not cash within 90 days of issuance. 

I was told 3 times by PHH Mortgage to put my Settlement Offer in writing and still they have not accepted my offer, they keep taking me in circles with settling the mortgage with them on this burned house. 

I need help, I'm not sure if the Representatives understand that my house was burned and to tell me I dont qualify for a Settlement because my mortgage is in good standing. The house is a total loss that should qualify me for a mortgage settlement.

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 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
These are Medical Debts and I am protected under the No Surprise Act. 
XXXX XXXX portfolio recovery {$1100.00} XXXX XXXX XXXX {$1400.00} Requested that they be deleted. Because they are medical bills, which my rights are being violated. I should be protected by the No Surprise Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Last year I purchased an item through a Jared Store Credit Card, provided by Comenity Bank. The item was purchased on a plan stating no interest if paid in full within 12 months. The end date of the plan was XX/XX/XXXX. I had automatic payments of {$300.00} applied to the account on the XXXX of every month for the course of the year. My XXXX statement ( attached ) indicated that I had until XX/XX/XXXX to pay the remaining {$1400.00} on the account or the accrued interest would be applied. To avoid this I issued a payment of {$1500.00} on XX/XX/XXXX, thinking that this would satisfy the terms. On XX/XX/XXXX I was charged {$1100.00} in accrued interest for the promotional plan. 

When I called the bank to resolve the issue I was told a variety of things ( ex. I can't be helped because it was too far from the end of the promotional plan, I had to call customer service in order to pay that balance off, that the {$1500.00} applied to the minimum due first so the terms were not met ). The XXXX statement simply indicated that I needed to pay {$1500.00} by XX/XX/XXXX, which I did. I had no indication that the terms were not met until XX/XX/XXXX when I logged into the account and saw the interest charge applied. 

Please let me know if you need any additional information from me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: NV

Complaint narrative:
Received a debt collection from ARM Solutions for a debt of {$130.00} that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears

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 2023-01-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a Letter on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I pay my mortgage in halves because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and because I get paid every other week. So like every other normal American mortgagee, I'm doing it in a way that works in my budget. Furthermore, I had fallen behind in XXXX and when I was sending payments, they were not being cashed ( putting me further behind ). So - one day they sent me a bunch of my payments in XXXX and told me I was in foreclosure. I took money out of a XXXX and paid off the outstanding amount with TREMENDOUS fees and here I am - back in my mortgage. 

I paid my mortgage in XXXX. Then I paid the first half of the XXXX payment on XX/XX/XXXX. I paid the second half of the XXXX payment on XX/XX/XXXX. I noticed that my account was still saying I owed my XXXX payment- which is INACCURATE. I tried calling- never could get through ( XXXX minute hold times ). I tried XXXX about the misapplied payments and kept getting canned replies to telling me to provide proof of payment. I would reply and get the SAME RESPONSE BACK ( to provide proof of payment ). I then tried calling AGAIN - XXXX min hold time, but I gave my number for a callback ... .callback never happened. Then here we are a week later, and I get a call from the mortgage company - so I answered only to get a recording telling ME TO CALL BACK. I'm at WORK, mind you. So I got up from my desk and found a conference room to make the callback. I sat on hold for XXXX MINUTES ... XXXX. Only to get someone who COULD NOT FIGURE OUT WHAT THEY WERE DOING WITH MY PAYMENTS. So I said I could not sit on hold while she looked at it any longer- I needed a callback or an email with the information. She tells me " there is no way '' she can do that. My only choice was to speak to her supervisor ... .so I had to sit on hold AGAIN for over XXXXXXXX XXXX. The supervisor tells me that on XX/XX/XXXX, the {$1200.00} I paid that was sitting in reserves was USED to pay some unknown fee that she could not explain to me. She THINKS " it has something to do with the foreclosure. '' I have not been notified of any additional fees ... I paid a LOT in fees to reinstate my mortgage in the fall. So- they suddenly found a " fee '' that needed to be paid that miraculously matched the {$1200.00} I had in reserves waiting for my XXXX half of my XXXX. payment ....??? Sounds pretty sketchy to me. 

So - BIG complaints about how they can not be reached and this is a HUGE burden to people who have to WORK and get their jobs done to pay the mortgage. 
ANOTHER big complaint about how they mismanage the payments ... and suddenly coming up with a fee to charge me that I was never told about??? This seems pretty corrupt to me. 
Now here I sit, with a late mortgage payment because they are 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 2023-01-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a letter notification that XXXX XXXX had purchased my mortgage loan from PENNYMAC LOAN SERVICES , LLC . The letter states that XXXX XXXX is not my mortgage servicer, and my mortgage servicer is PENNYMAC LOAN SERVICES , LLC . 

Instead of sending me notification with payment instructions and past-due reminder, PENNYMAC LOAN SERVICES , LLC directly XXXX me {$110.00} late fee for my very first mortgage payment and placed a 30 Days Past Due delinquency record to my credit report on XX/XX/XXXX. 

On XX/XX/XXXX, after I was notified by my credit monitoring company XXXX, I immediately paid off all the outstanding balances to PENNYMAC as requested. I also called PENNYMAC Customer Service Line ( XXXX ) XXXX to explain the situation. I spoke to XXXX at XXXX PST on Mon. XXXX and explained the delinquency record improperly placed on my credit report. But she refused to revert the late fee charge and remove the delinquency record. I also talked to her supervisor XXXX on the same day and tried to explain that I never received the notice email or letter about a payment past-due. But her supervisor refused to remove the negative record from my credit report either. 

On XX/XX/XXXX, I called the PENNYMAC Customer Service Line again and spoke to XXXX. XXXX said that the late fee could only be reverted before I paid the bill. Since I have already paid all the outstanding balances as PENNYMAC instructed, he couldn't revert the late fee charge. He asked me to write a letter to explain the situation via PennyMac 's Message system. I followed his instruction to write a formal letter and created a case to explain that I tried to set up automatic payment and didn't receive proper notification when my payment was past due. But the case was again declined by PENNYMAC customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My children and I visited XXXX is located in XXXX to unlock credit file and to recieve credit report as customer relation team advised me to submit XXXX failed to provide credit report and credit score. 
Attached files visiting XXXX and submitted in person, staff of XXXX scanned documents. 

Let me get my credit report and score ASAP.

Company response to consumer: Closed with explanation