vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: TN

Complaint narrative:
XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of USA residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired. 

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??

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 2022-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I purchased this home in XXXX, the loans I obtained were predatory loans. My 2 loans XX/XX/XXXX were " sold '' separately. After much struggles, I was able to modify my first mortgage in XXXX but due to many due to many factors, including my health, and a serious case of XXXX XXXXXXXX, loss of income, etc. I defaulted in that mortgage. 
Prior to the sale of the mortgages, I filed bankruptcy while trying to save my home and all collections stopped. Specialized Loan Servicing ( SLS ), who is the servicer for my 2d mortgage has been dormant on and off for a long time. 

Since I was not able to workout a new modification with my first mortgage, I was working on a Deed In Lieu of foreclosure. My second mortgage agreed to settle for {$3000.00}. Unfortunately, my first mortgage did not move through with the process and the Deed in lieu was cancelled. They did not contact me after that. 

Even though I still had not been able to workout anything with my first mortgage, I contacted SLS for a modification or assistance at the end of XXXX, but they denied me any type of modification and only approved me for a short sale. 

Again, after that, they were dormant for a long time, but and suddenly around XXXX this year, they sent me a letter, stating that my loan was due in full on XX/XX/XXXX. 

At this time, my situation has not changed. My first mortgage has an active foreclosure process. 

I don't have the financial means to pay this predatory loan. 
I sent them a letter and offered them the same {$3000.00} that they had accepted before in order to settle this account. 

I explained to them that at this time, I have an active foreclosure process with my first mortgage and they sent me an email with a letter saying that that they will not take less that {$45000.00} paid in full before 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 explanation
Consumer complaint received 2022-06-06 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: TX

Complaint narrative:
Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter of XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2022-06-06 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: U.S. BANCORP
State: TX

Complaint narrative:
I received a notification from My XXXX XXXX that a hard inquiry was made by US Bank on XX/XX/2022. After contacting US Bank, I was advised that they will document the fraudulent activities. The individual tried to make a purchase at XXXX XXXX in Pennsylvania. I was also advised to contact XXXX XXXX, which I completed.

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 2022-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: TX

Complaint narrative:
I purchased a new home on XX/XX/2022 ( VA loan ). I am a 100 % XXXX veteran. I am tax exempt. However, the mortgage company refuses to accept my tax exemption. Ive sent my VA XXXX justification, the tax exemption from my countys appraisal district, and a tax bill. Ive payed the principle, interest, and home insurance on the bill. However, I have not payed the taxes. I can not afford it. The whole process through my mortgage broker to my realtors were aware of my tax exemption and budget. Ive been going back and forth with this company since I purchased the home. To no avail. Please help. Thank you so very much for your time and consideration in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Shellpoint Mortgaging Serves Loan number : XXXX The loan was taken out in XXXX and XXXX XXXX. When I went to file a claim on the mortgage insurance they informed me XXXX was not on the loan. He has been on the loan from the beginning and that has not changed until Shellpoint took over the loan. At that time, he was dropped from the loan without a request being made by either XXXX or XXXX. When the company was contacted, they were not helpful in resolving the problem. XXXX was removed, who authorized it, when and why. XXXX has since passed away and I am trying to file a claim against the life insurance that should have been on both XXXX and XXXX. The company is refusing to correct the loan and the insurance so that a claim can be filed. 
If their paperwork shows only XXXX, the company that previously had the loan modified the loan without authorization or consent of the loan parties. This would make Shellpoints loan paperwork fraudulent paperwork. 
Attempts to reach shellpoint to see if they are investigating this matter and get it resolved in a timely fashion are going unanswered and I have not been able to reach them again by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Today my Huntington Bank checking account allowed {$350.00} of fraudulent transaction using my checking account number and routing number. Two months ago they allowed over {$500.00} from my debit card. My funds are not safe with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Kinum , Inc. Account # XXXXReference # XXXX, Kinum, Inc. Account XXXX U601975D77****Reference # XXXX, Kinum, Inc. Account # XXXX Reference 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 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 convictions of crimes which antedates the report by more than seven years.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Late payments reflected on credit report dur to COVID-19 and family issues during the first few months of the pandemic. The credit card has since been paid off as agreed and closed. Requested the late payments on credit report to be corrected considering the circumstances but request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: SC

Complaint narrative:
I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2022 through XX/XX/2022 each and every day XX/XX/2022 through XX/XX/2022 each and every day Portfolio services called me. I have all call logs on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I c system is the name of the fraudulent account holder that continuous try and get money that I do not own. each year this company who I never did business with and have ask how you obtained my information about a non-existing account I have ask for any info as to why do you think I own you any money, since i have never did business with you, but this company keeps sending me fraudulent bills of XXXX year after year now they have somehow got this fraudulent information on my credit report. I do not know of this company or its dealings.my next move is to sue this company for fraud.

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 2022-06-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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 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 2022-06-06 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  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 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 2022-06-06 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-06 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts below, has violated my rights. 

INQUIRIES : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete all inquires

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 2022-06-06 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I have an open and active account with the First National Bank of Omaha and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a XXXX  years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.

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 2022-06-06 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-06-06 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation