vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

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

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Mortgage Company : Newrez XXXX XXXX XXXX XXXX Texas XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX # XXXX XX/XX/XXXX contacted an agent. Asked about our review/audit on our escrow as we had to put {$7000.00} extra for taxes in for last year. I was informed an audit would be run and i should see paperwork in approx. 2 weeks We never had a tax bill for XXXX as we didnt move in until XXXX XX/XX/XXXX contacted again. This time i was informed certain states are done in certain months. She said Wisconsin was XXXX so i would be seeing the paperwork in the first 2 weeks of XXXX. 

XXXX, still nothing. I call again. This lady apologizes and said she will have an audit run. I did inform her nicely i would be contacting cfpb if it wasnt resolved. Again nothing Today, XX/XX/XXXX call again. Now i am told by this customer service rep that it doesnt get handled until you have been paying for a year. 

I talked with my mortgage servicer and he told me to contact you as it is illegal for them to hold the money in escrow This is pretty sad and horrible way to treat your customers and all the different stories

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681.

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

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

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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act 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 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 2022-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient has contacted me on several occasions about 'special programs ' they have to help reduce private loan debt faster. I have applied for 2 different programs, one in XXXX of XXXX, in which I made 20 payments at $ XXXXmonth to a company called XXXX XXXX ( supposedly an affiliate of Navient ), and another I enrolled in for a loan for the amount of {$5500.00} in XXXX of XXXX. I paid Navient $ XXXX/month from XXXX XXXX XXXX. The company ( Navient ) then asked me to 'reenroll ' for the program because they had to assess my income again. I went through the process, then started receiving debt collector calls the month after from Navient, stating my loans are now in arrears. 
Original loan amount # 1 : {$5500.00} Today 's loan amount : {$17000.00} Original loan amount # 2 : {$2800.00} Today 's loan amount : {$7100.00} Original loan amount # 3 : XXXX Today 's loan amount : {$6100.00} Clearly Navient is making it impossible to pay off any loan, even the small ones. No one can explain why the amount keeps rising, even as I make payments. These are private loans that I am requesting be absolved, as they are clearly unable to work with consumers, unwilling to assist during financial difficulty, and unable to clearly explain why to ANY question asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TN

Complaint narrative:
The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.

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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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 that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX -Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Experian has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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 that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX 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 2022-04-25 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: FL

Complaint narrative:
The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX  XXXX This credit card collections is not mine. 
1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper is the Mortgage Servicer to whom my home loan was recently sold. At my previous servicer I was enrolled in bi-weekly mortgage payments, which allows me to pay off my loan a little faster through automated payments that add up to making one additional payment per year.

Upon my transition to Mr Cooper, I have learned that though they offer this payment method, they seem to discourage it by making it cumbersome and convoluted to do so. The existence of the option is not clearly available on the website, and I only found the option through internet searching outside of my personal payments account. Information is here : https : //www.mrcooper.comXXXX I am asked to CALL Mr. Cooper to set it up. I called and was told that it must be done via email. I recieved a link to a " secure messaging account '' that allowed me to receive messages from Mr. Cooper 's " research team. '' I had to create an account to see the message that had the information to set up my automatic biweekly payments. 

Once I read through the document I filled out the required forms. The requirements were burdensome compared to the online autopay requirements, ( including signatures from both names on the mortgage ) and attached the necessary documents ( including a voided check ) and sent them to the email address provided. 

After sending my documents in I waited several days, I was unable to check the status until I received a denial letter from the company citing that I had not prepaid my loan. I immediately prepaid and sent an email to the address given to me in the denial with all the information I had received and sent in to date. I waited 5 days with no response and called the company, who told me that the only way to work with the team that handles biweekly payments is through email and that I had used the incorrect email. 

Mr. Cooper takes autopay digitally, and can be setup in seconds, but to autopay biweekly, one must surmount burdensome and unnecessary hurdles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Seventh avenue catalogue order account is reporting that my account with them is XXXX payments behind and I have been making payments for months. Because of their consistent revolving dates of inconsistent payments I am suffering credit accuracy in all of my credit reports due to the continuous reporting from Seventh Avenue catalogue. I am filing a complaint as to the accuracy, prejudice I really believe is behind the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union automatically gave out full amount of funds during the pandemic when the child tax credit was issued. So if my account was over drawn by XXXX they would credit me the amount that was in the negative. I was told in XXXX that i was able to unenroll if I didnt want to continue. I was also told that I would be given the opportunity to start a payment plan once the funds were taken out of my account for repayment in XXXX Then I received a email that the full amount would be taken out in XX/XX/XXXX. And it never happened. Fast forward they did take out the funds of XXXX but it didnt happen till XXXX I was prepared for XXXX. Now I have a negative balance of XXXX and they refuse to allow me the chance to make a payment arrangement. Isnt this predatory banking?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has closed /blocked one of my savings account right after I deposited an amount of XXXX on XX/XX/XXXX which are my total emergency funds. I reached out the next day to customer service and asked about why my account was closed and where are the funds. What they stated and have been stating until now is that the account is blocked and they are unable to release any funds until 60 business days that they finally close the account. They have taken away my online access to all my accounts, they wont let me withdraw these funds and they wouldnt help me resolve this neither by calling customer services or showing up at the branch. I have been going in circles and I am afraid I will lose this money after all the reviews I have read regarding other people experiencing the same situation with this bank and claiming they have not received their funds after 7 and 9 months or maybe never, not until they filled a complaint against the bank.

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 2022-04-25 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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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