vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
On XXXX, XXXX a representative from the ombudsman department called me. She stated that the previous mortgage statements I uploaded were not a 'verification of mortgage. ' I asked her " How is a customer to know the difference between a mortgage statement or a verification of mortgage? ' This had not been explained to me as I assumed the mortgage statements were sufficient enough. They keep changing the document types needed. This company is extremely invasive. They never asked me where the money was coming from when I was struggling to make the payments. They are asking for new documents and details every single day. 

Then I was asked to provide a lease agreement which the renters hadn't paid since XX/XX/XXXX. I have to wait for a response from the other mortgage company to fulfill the v.o.m. request and upload a lease agreement which is no longer valid. 

I lost my second job due to Covid 19 on XX/XX/XXXX. My loan was transferred to this servicer XX/XX/XXXX. Can I ask for a forbearance related to the Pandemic? The renters job closed due to those circumstances. The companies have shut down. They didn't work long enough to claim unemployment. I also couldn't receive unemployment benefits because I was working more than 32 hours per week. XXXX and XXXX programs can't help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I turned in the XXXX equipment no need to be charged over for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going through my credit report and notice some wrong information on all XXXX credit reporting agencies ( EXPERIAN, XXXX, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.

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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I had opened a phone account with XXXX for my ex spouse on XXXX XXXX, 2021. I made the first payment for her soon with in the next month we separated and have been going through the divorce process for over a year now she was supposed to pay her phone bill every month. I moved and have just received this bill in the mail from a debt collector. I'm willing to pay the cancelation fee to settle this, but I was unaware this wasn't being paid and if the phone was not used since XXXX shut it off and I had sent my other phone through the mail to XXXX because they had a deal on trading your old phone for a new one garranteed {$1000.00} trade value. I put the sticker I received from XXXX with address stamped on it on a box with my old galaxy note phone and dropped it off at ups to be delivered to them so I don't think I'm responsible for {$1100.00} I will pay for the cancelation fee in order to get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: TX

Complaint narrative:
In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S. C 1681 section 602 A.

States I have the right to privacy.

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

15 U.S. C 1681 s-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 calls to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: PA

Complaint narrative:
I mailed a method of verification for several accounts on my credit report for XXXX ( XXXX ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/2023 but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

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 2023-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My husband an I have tried 4 times to receive a loan modification with Welles Fargo for our mortgage. Twice they told our attorney that they did not receive XXXX packages of documents sent through certified mail and XXXX XXXX. On our third attempt they claimed the same thing and then on our last attempt they denied us. This started at the end of XX/XX/XXXX and ended at the end of XX/XX/XXXX. My husband experienced a very serious XXXX XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX. This placed an enormous amount of pressure on us financially which is why we applied for the loan modification. Welles Fargo were both delinquent and negligent in the handling of our request. They have also charged off our second mortgage so it has been difficult for us to refinance.We are working with a mortgage specialist to try to fix this, however we feel it is important to file this complaint as well.

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is not a duplicate complaint and has been submitted by me, the consumer. please see attached identification for verification purposes. 
On or about XX/XX/2023, XXXX XXXX noticed a suspicious and deceptive item listed on 3 consumer reports ( see attached reports ). XXXX XXXX mailed CAPITAL ONE a letter exercising rights to opt out of having information shared with third parties ( see attached Notice of Opt out ). CAPITAL ONE received this Notice on XX/XX/2023, ( see attached confirmation ). CAPITAL ONE has failed to respond to XXXX XXXX Notice of Opt-Out. Effective on the date of delivery, CAPITAL ONE shall no longer share any of the following ( ( as established by the PRIVACY RULE ( see attached ) ) pertaining to XXXX XXXX : 1. Name, Address, Income, Social Security number, or other information on an application bearing XXXX XXXX as a party. 2. Any information you received about XXXX XXXX from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that XXXX XXXX is your consumer or customer, current account status, account numbers, payment history, balances, and credit card purchases ). 3. Any information you received about XXXX XXXX in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: OH

Complaint narrative:
in accordance with the credit reporting act XXXX XXXX XXXX XXXX Account Number 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 that consumer reporting agency can not furnish account without my written instructions.

15 USC 's 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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please see attached identity theft report detailing that I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2023-03-04 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: AL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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 2023-03-04 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: GA

Complaint narrative:
I asked Equifax to RE-INVESTIGATION this account and Send Me Documentation of the re-investigation : on XXXX/XXXX/XXXX Equifax stated that XXXX  XXXX # XXXX has verified this account as accurate reporting but never sent any proof documents for their claim. Please send me the paperwork and the description of the re-investigation that was used to verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: OH

Complaint narrative:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANSUNION, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.

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 2023-03-04 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: OH

Complaint narrative:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, XXXX, and EQUIFAX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a XXXX form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-03-04 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: MI

Complaint narrative:
XXXX XXXX has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: MI

Complaint narrative:
XXXX XXXX has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX  has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Account XXXX Has reported an accuracy across all three reporting crediting agencies and I am asking to have my one late payment they reported removed immediately. XXXX has already cleared up the discrepancy and removed my account but it is still showing in accurate on XXXX and Transunion.

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 2023-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX Bank ( Inquiry ) has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: LA

Complaint narrative:
Please see attached identity theft report detailing that I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2023-03-04 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: LA

Complaint narrative:
Please see attached identity theft report detailing that I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX {$40.00} ( XXXX My social security number has been compromised and is being used as collateral by XXXX XXXX XXXX and XXXX XXXX XXXX please help me by deleting this negative item off my credit in accordance with FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy and if breached I have the right to have all negative items removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation