vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 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: IL

Complaint narrative:
Account : XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXXXXXX Account # : XXXX Has continuously violated my rights numerous times. The Fair Credit Reporting Act under U.S.C 15 1681 states the right to privacy U.S.C 16 1681 no consumer reporting agency can furnish any accounts without written instruction. No instruction was given in this matter. However I have requested these accounts be deleted and removed from my report. False information has been updated in an attempt to rectify these accounts and has hurt my financial stability and consumer transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TN

Complaint narrative:
Received email stating I owed a debt to some company called XXXX XXXX XXXX XXXX that was past being sued for in court or reportable to credit reports. The email was from a group called TrueAccord address of XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX phone # ( XXXX ) XXXX. 
The email claims that I owe money and they will settle for a fraction of the original debt. 
Company is violating Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My car note payment for the month of XX/XX/2022 was not submitted to my account. I sent off a money order on the XXXX of XXXX in the amount of {$680.00}. I checked the money order tracking through XXXX XXXX and it confirmed that the money order was cashed on the XXXX of XX/XX/2022. I have proof of my money order receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX  Proxy of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ( full account # not rendered to consumer upon requests ) Represented by Mandarich Law Group , LLP XXXX XXXX XXXX XXXX, IL XXXX Acct # xxxxxxx The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Demand for Validation and Proof of Claim ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Verification of Debt Final Request ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

No response was received yet the represented and their law firm proceeded to file law suite against the respondent/ consumer. Notice of such was not made to respondent/ consumer until 20 days after lawsuit was filed, filed upon XX/XX/XXXX by fax, notice upon XX/XX/XXXX given to non-respondent/ consumer at personal residency. 

The above represented and representative law firm did eventually reply by mail to all requests but not until late XXXX of XXXX, their response documents were vague, and reputative of incomplete and unverified documentations. They fully failed to provided the true, full, and accurate account or accounts numbers, ( provided only redacted or partial ). They fully failed to be truthful or provide the full and unaltered amount of what they paid to obtain respondent/ consumer 's debit account. 

The above representative law firm also failed to fully, truthfully, or actually provide a full unedited or actual copy of the respondent/ consumer 's " wet ink '' signature upon an valid agreement between the collector and consumer/ respondent. Thus, these are just a few examples of the full failures to comply with lawful requests and lawful requirements under the Federal and Local level consumer protections acts. 

Yet the above law representative of these collection agencies and agents still pursue lawsuit claims and unfair credit reporting tactics, reclaiming the old account as an active account on a monthly basis upon the consumer/ respondent 's credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
Radius Global Solutions filed a collection status on my credit report, in XX/XX/2022, for a debt with XXXX that was not incurred by myself, but was a debt that was a responsibility of my mother in law, XXXX XXXX XXXX, who was living with me at the time of her death. This debt was originally taken on by XXXX XXXX, but was discharged after I informed them of it's lack of validity. This debt was bulk bought, and has damaged my credit worthiness. It was a bulk acquisition evidentiary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NY

Complaint narrative:
I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount Remarks Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reported XXXX XXXX  in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XXXX XXXX XXXX  {$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union report, I am allowed at least one report without paying fees..also credit score low, unreal..I need this verified as to why?? Also request my free repot mailed to me.pleade send information requesting asap. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
In 2018 I was in a car accident and I rear ended and was found to not be at fault. Any medical bills from this accident should have been billed and paid by my car insurance provider XXXX XXXX. XXXX  XXXX is reporting a collection amount of {$860.00} on my credit report. Not only that but they have committed fraud by reporting it like it is a new debt as an opened account several times a month to purposely affect my XXXX XXXX. They reported as a new opened account to transunion on XXXX and caused my XXXX XXXX to drop XXXX points. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
Dear Experian, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: TX

Complaint narrative:
The issue I am having is with XXXX XXXX XXXX XXXX credit card department. The information that is on my credit report for all 3 credit bureaus is inaccurate and has made a major impact on my credit score. The account is closed on my credit report, however it is currently active. The amount I am in debt is also incorrect. 

I reached out to XXXX credit department sometime in the summer of XXXX about the issue and have still yet to get anything resolved. I did speak with XXXX XXXX and have sent request to the other XXXX XXXX in various occasions. 

I have spoke to the credit bureaus as well many times and still no progress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My father passed away and my name is now on the Deed of the property. We have provided this information already to the mortgage company. The loan was previously being serviced by XXXX but in the spring of XXXX, it was transferred to Rightpath Servicing. Prior to the transfer, we were offered COVID relief to defer payments for 1 year. We were then advised by XXXX to make trial payments until the modification was final which we did. Once the account was transferred to XXXX, the modification was cancelled due to us not returning the modification documents. We made several calls to XXXX to let them know that we never received the modification documents and were advise that they would resend them. That never happened and we were advised that we would have to try for another modification. We sent the requested documents such as my paystub, an application for assistance, my social security number, and my employment contract. I was advised that my application was complete on XX/XX/XXXX and no further documents were needed. On Friday, XX/XX/XXXX, we were advised that the modification was denied because the previous trial payments were not made. The trial payments ended when we were advised that the previous modification was cancelled, and we would have to start the application again. Furthermore, we have been attempting to contact our single point of contact who is never available when we call in. We have requested callbacks but do not get a callback. I was told on Friday, XX/XX/XXXX that the squeaky wheel gets the grease so I would have to call daily in an attempt to reach my single point of contact. The account is now in Foreclosure status which started right before the latest loan modification application was in the underwriting process. Rightpath servicing is no longer accepting payments and are making it impossible to speak to our single point of contact and have been advised that only the single point of contact can let me know what my options are now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
I have a collection account open from XXXX XXXX XXXX. ORIGINAL CREDITORXXXX XXXX XXXX XXXX ( opened : XXXX XXXX XXXX  ), open balance {$100.00}. Previously, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I will, always have problem with paying always a error come up another issue that happen a lot is reflecting the wrong amount on the account. Another comment issue is the amount you can & can not withdraw causing me many many issues specially will be in the middle of an emergency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a XXXX XXXX credit card being reported by XXXX, XXXX and TransUnion. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a XXXX XXXX credit card being reported by XXXX, Equifax and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

XXXX5 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.

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

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a XXXX XXXX credit card being reported by Experian, XXXX and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

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

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During the pandemic I had my property in forbearance for 6 Months. 
I feel that they over charge me and as much as I complain I Could not understand their miscalculations. Like they add the miss payments to the end of the mortgage this make my total loan a lot more of what I owed but also they increase my payment because of the forbearance money owed. I feel Like I have been doble charge. I still do t understand their calculations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MO

Complaint narrative:
In XXXXXXXX XXXX, I moved my homeowners insurance from XXXX XXXX XXXX XXXX XXXX. Flagstar Bank, my mortgage company, sent the payment of {$2700.00} from my escrow account to XXXX XXXX instead of XXXX XXXX. In late XXXX or early XXXX, I received notice from XXXX that my insurance premium had not been paid. In order to keep my insurance in effect, I made the {$2700.00} payment from my personal account. After working with Flagstar for 1 1/2 months, I have still not received a refund of the money they owe me. 

I have attached a document outlining the steps I've taken and conversations I have had with Flagstar.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Report act XXXX, account # XXXX, account # 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.

15 U.S.C 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.

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