vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I got the loan in XXXX XXXX being paying for 3 plus year 's and they say i still owe over XXXX on car it's a XXXX XXXX XXXX I got the car from XXXX XXXX in XXXX iowa the company was closed down within 6 months of me getting the car the loan was thur credit acceptance I feel I am being ripped out and taken advantage of on top of it I gave them XXXX down the guy 's name XXXX XXXX he's been arrested several times for fraud and is working for around car lot please help I am a single mom on XXXX I have XXXXXXXX XXXX XXXX XXXX and have XXXX every 2 week 's so I have other choice but to let them steal my money I get XXXX a month they take XXXX a month they already repo the once my family had to get it back for me so I didn't miss XXXX please help me

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 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I was never informed that citizens pay was a different entity from my XXXXXXXX XXXX XXXX XXXX when trying to contact them the number reported to credit bureaus is incorrect was reported as a late payment and never received a bill or mail regarding the payment. When I finally found the number was told there was nothing that could be done to reverse the late reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Hi, I have a mortgage with XXXX XXXXXXXX, and my loan is serviced by Dovenmuehle. 
For some reason, those people are not able to understand their letters, and since my forbearance came to an end ( XX/XX/2021 ), and I resumed making my payments starting XX/XX/2021, they have been " harrassing '' me with requests of payments that I have already made. 
now has been over 12 months that this goes on, we had exchange of phone calls, emails, and I do not know how to make them understand their letter, and how to read my bank summary of all the payments I have made. I have had XXXX sending them proof of " electronically '' sent funds, but they do not understand it. 
They even ruined my XXXX Score. 
I do not think they are taking my problem seriously, and I think so because when I talk to them via phone they make me believe that they understood the problem, to give them about 30 days, so my problem will get fixed, but then I get an email saying that my account is behind with payments. 
I do not know what else to do. 
Please help me! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To whom this may concern, I am requesting assistance and oversight regarding the processing of my homeowner assistance application # XXXX ; my wife filed the application on XX/XX/XXXX With Texas HAF. PHH has refuses to process our homeowner assistance application unless we sign up for a family transfer package. I have declined PHHs family transfer package several times verbally and in writing, however PHH Insist there isnt anything else they can do. 

On XX/XX/XXXX I signed a third-party authorization form and submitted it to Texas HAF , who forwarded the authorization to the loan servicer PHH. 

On XX/XX/XXXX PHH informed me that they : 1. Havent received the third-party authorization form.

2.do not communicate with the Tx HAF directly 3. They require 30 business days to review the information. 
On XX/XX/XXXX Texas HAF is waiting on the loan servicer to respond. 
PHH Extended processing procedures are currently causing damage and hardship on my family. The assistance Tx HAF is currently offering would enable me to get in good standing and maintain the original payments. It has been 178 days since the submission of the application and PHH
is now demanding i add my wife to the account by submitting and completing PHHs family transfer package application.

My wife and I would greatly appreciate any assistance/ oversight you can offer. please review the attached exhibits : -XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX -XXXX XXXX XXXX correspondence dated XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
i had a VA loan with Wells Fargo bank i became sick and filled XXXX XXXXXXXX however i was to keep my house i tried on numerous times to talk to wells Fargo to see if anything could be down to save my house they refused to help me in any way. my mortgage was taken out in XXXX and the house was foreclosed on in XXXX with knowing that foreclosure was imminent i started to move my belongings to a rental house, Wells Fargo changed the locks and locked me out of my house before i was able to remove all my property, then they did a short sale on my property without it ever going on the market. I felt I had nowhere to turn for help in this tell i seen the class action suit i am reaching out to you to see if i might be able to be included into the suit. I am XXXX XXXX XXXXXXXX and have been sence that time my contact info is XXXX XXXX my current address is XXXX XXXX XXXX XXXX XXXX Al. XXXX phone XXXX the property that was foreclosed on is XXXX XXXX XXXX XXXX Alabama thank you for any help in this matter

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 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AK

Complaint narrative:
I got a call from AMSHER COLLECTION AGENCY on XX/XX/2023 about a debt from XXXX that I owe from 2 years ago. Which I didnt realize that I owe. They said I owe {$180.00} and I was sure I just owed {$80.00}. I told them I only owed {$80.00} and that its only {$80.00} Im gon na pay. Which they agency agreed for me to pay. 

Money was taken from my account twice to a total of {$80.00}. And I thought it was over after that. Only for me to receive a notification a month later that a had a negative collection on my credit report. I had a negative collection of {$100.00} on my credit report. Out of fear for my credit report I paid the {$100.00} with the hope that the collection would be removed from my credit report but it wasnt. 

I called the collection agency and asked why they kept a negative collection on my credit report and they said I didnt pay the remaining {$100.00} and I didnt dispute the {$100.00} within 30 days. 

First of all I wasnt even told nor neither did I agree I was going to dispute the reaming {$100.00}. I didnt even know I could dispute the remaining {$100.00}. 

I recently read the Fair Debt Collection Pratcies Act and it says the collection agency after 5 days of contacting me had to write me a written note about the debt. But I never got any written letter to my mail. 

This I feel is a breach of the fair debt collection practice Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, TransUnion, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX ( closed complaint ) transferred a federal funded payment after your involvement to XXXX XXXX XXXX XXXX on or after XXXX XXXX XXXX. Less than two weeks after transfer, began receiving threatening letters re : Foreclosure from Shellpoint. After your intervention, XXXX sent the entire federal fund to Shellpoint. However, Shellpoint due to malfeasance, will not correct the XXXX since XXXX, XXXX. Repeatedly issued mortgage statements reflecting a past due debt on XXXX which does not exist. Two charges XX/XX/XXXX and XX/XX/XXXX in one week for Unnecessary Housing Inspections-No Notification to me. Shellpoint will not refund - Add second Complaint due to placing late charges on my account. The Federal agency and XXXX completed Housing inspections before issuing the Federal Payment less than one month ago. 

Shellpoint -- Three supervisors and One Middle manager promised correction to my mortgage statement by XX/XX/XXXX. No correction. Errors remain. My first complaint : do not want any flags on my credit report nor threatening letters when I do not owe any past due payments. If errors remain these actions Shellpoint will take. Have nothing to prove otherwise. My monthly payments are timely as of XX/XX/XXXX. Also address issuance of information to third parties. I have rescinded authorizations. Shellpoint should email their acceptance and receipt of rescinded authorization. 

Third complaint ( see attached ) is XXXX XXXX XXXX NY- failed to disclose a checklist of items needed to apply for XXXX XXXX loan notified after sending any required items of additional items not found in any checklist provided. Failure to notify me through communication via email or phone a need to contact my Servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: VA

Complaint narrative:
In accordance with the fair Credit Reporting Act this credit has violated my rights under 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 and account without my written instructions under 15 USCs 166B, A creditor may not treat a payment or a credit card account under an open or consumer credit plan as a bla 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the fair Credit Reporting Act this credit has violated my rights under 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 and account without my written instructions under 15 USCs 166B, A creditor may not treat a payment or a credit card account under an open or consumer credit plan as a bla for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are " 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 and Also XXXX XXXX XXXX XXXX XXXX All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are 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 XXXX XXXX  All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.

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 2023-02-23 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: KS

Complaint narrative:
This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: KS

Complaint narrative:
This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX  and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX  ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  DATE 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 2023-02-23 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
Contacted Creditor on XX/XX/2023 asking for documents to dispute fraudulent claims on personal report. Creditor good not present or provide any of the documentation I requested such as Original Contract with my Signature, Payment History or Prood of Ownership. I also requested documents that they could provide through Mail and they declined. Stating they are paperless. Which gives me no proof to attach or give to my local Police Department. The debt collector had wrong address as well as email which he changed in his system once I gave him my 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 explanation
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;

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 2023-02-24 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;

Company response to consumer: Closed with explanation