vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 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 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF EDXXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 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 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been attempting to clean my credit report for the last 5 years. One of the issues that I am continuously running to is accessing information from Equifax. 

My deceased grandmother & myself share the same name with different middle initials. We also shared the same permanent address for many years. This has always been an issue & I began using my middle initial on all signed documents. 

What has occurred is Equifax has combined our information. They have my birth date on file, what I believe is her social security number & a last name ( XXXX ) which she used ; this was never legally her name. 

I have faxed as well as mailed Equifax a copy of my birth certificate, social security card & my tax return with no communication of a resolution to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-10 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have two student loans with Aidvantage formerly Navient. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called Aidvantage on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of Aidvantage and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
My Federal student loans qualify for forgiveness under XXXX as of XX/XX/XXXX. I have letters from FedLoan servicing even stating this, from XX/XX/XXXX, when I had previously certified my employment. In XX/XX/XXXX, I submitted my employment certification to have the XXXX qualifying payments that have been made, counted. After 2 months of waiting for a response and contacting FedLoan Servicing multiple times to get an update ( to which they never responded ) I received notification that my payments had been re-tallied. Unfortunately, they seem to have completely disregarded my most recent employment certification, claiming I am still 2 qualifying payments short and counting every payment since XX/XX/XXXX as " qualifying but uncertified '' payments. My most recent employment certification should cover all payments from XX/XX/XXXX- XX/XX/XXXX, yet this is not reflected. Their incompetence is delaying my ability to have my loans forgiven under XXXX. I have a previous complaint against FedLoan Servicing ( CFPB # XXXX ) where they had also failed to count my payments properly ( which took nearly a year and involvement from the CFPB and a Student Loan Ombudsman to finally correct ). Because XXXX is set to expire soon I need this resolved ASAP. Attached is my most recent employment certification covering XX/XX/XXXX- XX/XX/XXXX as well as the email from FedLoan Servicing from the last time my payments were corrected notifying me that I would qualify for forgiveness with XXXX payments in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
4 accounts with XXXX XXXX were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed XXXX XXXX and the collection companies that the amount claimed was not accurate. XXXX XXXX refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, XXXX XXXX has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I called my mortgage provider ( XXXX ) on two separate occasions to obtain my final payoff balance on my mortgage and in both cases, I was asked for the most recent appraisal and they would not be able to provide my final payoff balance without the appraisal. Both Customer Service Representatives stated that since I have a 'shared appreciation loan ', I would owe more than my statement balance. 

I have attached a copy of my most recent mortgage statement and in no place on this statement does it indicate any additional money is owed other than my outstanding balance. 

Upon review of my loan documents also attached, executed on XXXX several sections indicate that the 'shared appreciation balance ' would be forgiven after 3 years. On page 2 section 2 as well as in the examples provided. As I understand the verbiage, it seems that there is no shared equity due since I've never been late on my mortgage payments and it's been over 10 years. 

I received advice from two separate Mortgage Brokers in reference to this scenario that have been working in this industry for over 30 years - neither broker has ever seen a mortgage written like this and believe this is a case of mortgage fraud. They both interpret the documents as I did, that I should only be responsible for the balance due on my mortgage statement. They are the ones that suggest I file a formal complaint against the company for resolution. 

My initial loan was with Ocwen, then was re-financed through PHH Mortgage with this shared appreciation loan because I almost lost the home to foreclosure ( a subsidiary of Ocwen ) and then was re-sold again to XXXX ( A division of PHH Mortgage ). 

I would really appreciate your help in resolving this issue as I would like to get a payoff statement as soon as possible. The verbiage seems vague, but seems The shared equity should be forgiven after the 3 years from loan execution. 

I really appreciate your 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 explanation
Consumer complaint received 2022-04-10 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: IN

Complaint narrative:
Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: IN

Complaint narrative:
Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: PA

Complaint narrative:
again XXXX XXXXXXXX XXXX ( now Keybank ) XXXX an XXXX XXXX XXXX XXXX, Pa. has never dis closed, any account information. An landed, me what? I am the Creator to the Person XXXX XXXX XXXX. XXXXXXXX XXXX is using a contract that may have been satisfied. An Can Any Bank give lines to Private Property, XXXX XXXX, Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Westlake Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX tax XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX md XXXX westlake financial accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX bankruptcy XXXX XXXX discharged XXXX. I have a right to private

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 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect, PCI, is a collection company based in XXXX. I have been receiving phone calls from this company every week starting XXXX XXXX. The company would call and its an automated message. The automated message is set up for you to return the call. I honestly thought it was a scam. So, I rejected 98 % of the phone calls. On XX/XX/22, I received a phone call by an individual. On the XXXX, I called the phone number the individual called me from and entered the extension. On the phone call He informed me of the {$110.00} debt owed to my previous complex, XXXX XXXX formerly known as XXXX  at XXXX XXXX XXXX, for utilities. I hadn't received any information by mail by PCI or the complex. So, the individual informed me that he would be sending my invoice in the mail. So, I would have until the 9th to dispute the charges. Furthermore, I asked the individual if he could email me the invoice and he said that he was unable to email due to laws or something. I contacted XXXX XXXXt, on the XXXX and on the XXXX. On the XXXX, I emailed PCI and the complex with my proof. My proof is a check, I rarely write checks, cashed and I wrote on the check my last rent payment on the check. For years, I have done this when leaving a complex to indicate that I have spoken the manager on site and discussed my final bill including utilities. Before I sent the email, I tried to speak to a PCI supervisor on the phone because neither the individual or representative on any phone call could give me any information further and unwilling to send me to a supervisor. Then the representative informed me that since I hadn't received the letter yet, I had until the XXXX of XXXX. The last phone conversation I had with the company was at XXXX to inform me that a photocopy check with the words Last rent payment will not suffice. I told her on the phone to stop calling me and i'm not paying the debt and you can take me to court. 
I still hadn't received any email or phone call from XXXX XXXX on my email about the debt should be cleared. 
Today is XXXX XXXX and to date I still haven't received any information about this supposed debt.

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 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
4 accounts with Capital One were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed Capital One and the collection companies that the amount claimed was not accurate. Capital One refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, Capital One has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/2022, I became aware that my account ( Checking and Savings ) was locked ( without notice ) by USAA. All attempts to recover the account online have failed. I have called multiple customer service numbers only to be met with either being transferred to a department that does not answer the phone or 4+ hour hold times.

I am unable to access my funds, use my debit card, or pay my bills and the company is making no attempt to solve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account 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 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 2022-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two student loans with XXXX formerly XXXX. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called XXXX on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of XXXX and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of 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 2022-04-10 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: PA

Complaint narrative:
One credit bureaus saying account is closed which are split to multiple different accounts for student loans. Transuion doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on equifax and XXXX. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.

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 2022-04-10 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: ECMC GROUP, INC.
State: MD

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

15 U.S.C 1681 section 602 A. States I have 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 a credit card account under an open end consumer credit plan as late for any reason Constant opening and closing on the account.

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