vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 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: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
In Reply to : Response of XXXX XXXX Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : XXXX XXXX and its member/Agent AMERICAN XPRESSCOMPANY Inc. ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE XXXX XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding XXXX XXXX a Consumer credit reporting agency and its member AMERICAN EXPRESS COMPANY Inc. , reporting of false DECEASED inaccurate information on my XXXX Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). XXXX XXXX and American Express Company Inc., are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2022 XXXX filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your XXXX  credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following XXXX XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent XXXX Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) XXXX XXXX AND ITS MEMBER/AGENT AMERICAN EXPRESS COMPANYINC , KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS XXXX CONSUMER CREDIT FILE.. my multiple request to XXXX  and its member American Express have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine XXXX and its member AMERICAN EXPRESSCOMPANY for their continued violations of the act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam, This letter is in reference to my student loan with Sallie Mae. The account number is # XXXX In 2018 a late payment was placed on my account. Due to unexpected unemployment and hardship I wasnt able to make the payment. I applied to put the account on a forbearance program which I was approved for. To start the program a payment had to be made the problem is that the payment was attempted to come out the wrong bank. The payment was never made so the account wasnt placed on the hardship plan and the late payment was placed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so due to the misunderstanding. The account has been open for 7 years and 6 months now, that late payment is the one and only one I have ever gotten. I would very much appreciate it if you would remove that 1 payment delinquency from my credit report, as I've been building my credit over the past 6 years. 

I am writing today because my mother who is my cosigner is trying to buy a home and is having difficulties with lenders seeing a derogatory mark due to having missed payments on this account. I am also facing difficulties even though my score is now 700+ Im being denied with the reason being delinquency from this late payment. Given the date, the misunderstanding for which caused this, and overall positive payment history, I am kindly requesting your agency to consider removing the derogatory missed payment as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my mother and me. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX 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 2022-02-27 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:
In accordance with the Fair Credit Reporting act, the following XXXX  Accounts have violated my rights and are furnishing hard inquiries on my account : Account : XXXX  | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX Account : XXXX | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/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 an account without my written instruction.

15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-02-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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.

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 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent Outsourcing , Inc sent a letter attempting to collect a debt and committed several individual acts against the Fair Debt Collection Practices Act. I, the consumer, have never entered into any contract with COI. I have a cease and desist order that I have sent and it is attached to this complaint. I demand deletion from all of my reports immediately and I will be seeking remedy for all injuries pursuant to 15 USC 1692k for any noncompliance.

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 2022-02-27 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: TrueAccord Corp.
State: IN

Complaint narrative:
On XX/XX/XXXX and XXXX 2022 TrueAccord sent personal information about a debt, amounts, original creditor, etc to 2 different email accounts belonging to my mom.

Her information would not have been included anywhere on my account. They found these emails, without knowing who they belonged to and divulged my information. Luckily, they belonged to a family member, but niether of these emails were tied to my account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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.

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 2022-02-27 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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TX

Complaint narrative:
Dear CFPB Agent, Please consider my situation. I was previously working with XXXX XXXX XXXX to remove one ( 1 ) negative item from my personal credit reports from all three reporting agencies. The only negative item is a XXXX business credit card. This item is a business account ( that should not be on my personal account anyways ). XXXX XXXX XXXX reports that this XXXX account was removed from my Equifax account around XX/XX/XXXX. XXXX XXXX XXXX provided multiple credit reports confirming Equifax removed this item. 
However, on XX/XX/XXXX, this negative item was put back on my personal EQUIFAX credit report. There was no late payments or issues with the XXXX account that would cause EQUIFAX to put this back on my credit report. This violates laws, once an item is removed due to inaccuracy the item can not be placed back on my report. 
This is devastating for me as I have never had this occur, and we are trying to buy a home. 
Please see attached documents. Please let me know updates, concerns or questions. I appreciate your time in assisting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: The Hallstrom Law Firm PLLC
State: AZ

Complaint narrative:
Is a amount of this Law Firm and I never sign any papers with them Incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX 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.

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 2022-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: OR

Complaint narrative:
Homepoint Financial has been refusing to remove our PMI when we are more then 80 %. I began requesting removal since XX/XX/2021, Ive submitted the documents, we had the XXXX come by XXXX XXXX. Homepoint received the information and weve called and have not had it removed, Ive called and documented what we have been experiencing and Ive told them what is napping is unethical, since they are holding on to our PMI and not removing it. It should have been removed in XXXX and now we received a letter stating our loan will be transferred to XXXX XXXX! This is a high risk loan service with for those whos credit is questionable. Weve never been XXXX, have always paid, never missed a payment, we have high credit scores, And! We noticed our interest rate is different! We signed FHA not a variable. We have been treated unfairly and cheated by XXXX Financial. This falls under the XXXX XXXX. Please, advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX 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.

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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX of 2022 Client Services Inc. called me at XXXX from XXXX, I was at work when I got the call and did not pick up. On XX/XX/ 2022 they called again at XXXX from XXXX again I was at work and did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I was at work yet again so I did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I did not pick up. On XX/XX/XXXX they called at XXXX I did not pick up. Up until today when I finally started looking them up I did not realize they were a debt collector I figured it was someone trying to offer me a job. In all this time of trying to contact me over the phone I have not received anything in writing from them about any debt. I prefer to email as debt collectors are not pleasant to deal with over the phone. Not sure why they are calling but, until I get something in writing that shows why they been calling since XX/XX/XXXX which is over the 5 limit for debt validation I will not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied and was in the process of short selling my home all documents and necessary items were sent and received by the loan servicing company XXXX XXXX XXXX XXXX the last item needed was the appraisal which was order by XXXX XXXX, I was contacted by their appraisal company and the appointment was set for them to come and conduct the the appraisal of my of home which was two weeks ago from the date of this complaint i was contacted shell point via email on XX/XX/XXXX XXXX asking if the appraisal had been completed on the property a reply was sent back on XX/XX/2022 that appraisal had already came out over 10 day ago, but on Thursday XX/XX/2022 i came home only to find a sale notice on my door, while in the middle of my short sale Loss mitigation process waiting on XXXX XXXX appraiser to finish and complete the appraisal, XXXX XXXX flat out lied and said the trustee filed the sale notice but after speaking to peak foreclosure services i was told that XXXX XXXX told them to file the notice even though they knew we were waiting on the appraisal to be completed. when all XXXX XXXX had to do was pick up the phone and call their appraiser but no they rather just foreclose on my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I bought a XXXX XXXX and had monthly payments with Toyota Financial Services. I decided to pay off so paid it off by phone and the representative said I would get something in the mail regarding my tile. Months passed by and I didnt get anything in the mail. I called and the representative said she would request to be resent. Month passed by and I didnt hear anything. I called again and representative said the request denied and they dont send anything. I have to go to DMV. I went to DMV and they said they dont do title and they sent me to their XXXX location. When I went there, the asked for my ID and asked me to sign to get my car tile. They charged my card {$85.00}. Toyota never disclosed that getting my car title would cost money and they never disclose that they that I have to go through so much to get my car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE NOT ATTEMPTED TO APPLY FOR ANY TYPE OF CREDIT FROM XX/XX/XXXX TO XX/XX/XXXX. I HAVE MULTIPLE HARD INQUIRIES WITHIN THIS TIME FRAME WITH TRANSUNION XXXX OF XXXX. I CONTACTED TRANSUNION MULTIPLE TIMES REQUESTED TO HAVE THE HARD INQUIRIES REMOVED BUT I WAS INFORMED THAT BY TRANSUNION THAT THEY HAVE TO BE REMOVED BY THE COMPANY THAT MADE THE HARD INQUIRY. I HAVE SPOKEN TO MULTIPLE PEOPLE AT THE TRANSUNION AND THEY WILL NOT RESOLVE THIS ISSUE. 
I CALLED XXXX XXXX  WHICH IS ONE OF THE CREDIT COMPANIES THAT MADE A HARD INQUIRY AND THEY DENIED ATTEMPTING TO REMOVE THE HARD INQUIRY.

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 2022-02-27 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: NY

Complaint narrative:
Someone stole my information on my credit report and your not doing a good job protecting my personal info so this never happens

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 2022-02-27 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:
My name is XXXX XXXX and I am personally submitting this dispute.please review a copy of my complaint and proof of identity.

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