vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In your response to complaint XXXX, this is what you wrote : Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. 

In your response, you clearly lied since I proved from an attached pfd ( which I am attaching again - pdf page.pdf ) that you had received the adjusters estimate for the wind portion on XX/XX/XXXX not as you claim on XX/XX/XXXX as quoted in the previous paragraph. 

On complaint XXXX you then claim you did receive the wind adjusters worksheet. In fact you write : The wind adjusters worksheet received on XX/XX/XXXX, was rejected due to no signed insurance letter received. Again, you clearly lied in complaint XXXX. 

Now this raises more questions that I want an answer to : 1. You state was rejected due to no signed insurance letter received. When was this relayed to me and how? I have proof of when this was relayed to me so may I suggest you do not lie again?

2. Where in the mortgage note does it state the following : i. you have a right to inspection other than for a foreclosure proceeding ; ii. You have a right to take MY insurance funds in case of natural disasters ( keep in mind the LTV on the loan you are servic
ing is less than 15 % so I do not want lip service protect investors ... the land after demo costs will cover 5 times the remaining principal balance ) iii. You have an obligation to verify that the property is liveable ( I have a letter from your firm stating that is your responsibility. 

I am disgusted by your unethical behavior. You and XXXX XXXX do not care about consumers during natural disasters. You only want to make money and cut employees and let computers do the work. This hurts consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

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 2023-03-09 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: DC

Complaint narrative:
Per 15 USC 1681 ( a ) ( 4 ) my rights of privacy has been violated and this has been quite cumbersome due to all of this that is on this consumer report that is under my name Per 15 USC 1681 ( b ) I did not and would never give permission to put anything negative on anything belonging to me a consumer report of any sort would not should not be used for negativity you never had any permission from me which is to be in place and I never would have given permission for such allegations and negative reporting of any sort per 15 USC 1681 b ( a ) ( 2 ) per 15 USC 1692 ( f ) Per 15 USC 1681n The only Name is By : XXXX XXXX XXXX XXXX XXXX That should be on my consumer report and the only phone number is XXXX XXXX XXXX that should be on my consumer report and the only address that should be on my is XXXX XXXX XXXX XXXX XXXX county near District Of Columbia DC XXXX consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX  sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : XXXX XXXX : XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CORELOGIC INC
State: CA

Complaint narrative:
This complaint is addressed to CORELOGIC CREDCO. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-03-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights. 
10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
trust account XXXX issued by XXXX was closed on or around XX/XX/2023 and paid in full.Item has been disputed by consumer with attached documents from said bank stating such and Equifax has parroted the E-oscr system without a thorough investigation, in clear violations ; ation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I requested a copy of my credit report and I noticed that I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters last XX/XX/XXXX and XX/XX/2022 and received no response. I really would like help in this matter. The misleading information is causing me financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NJ

Complaint narrative:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: GA

Complaint narrative:
AES is reporting old AESXXXX accounts with a XXXX balance to my XXXX and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: P&B Capital Group, LLC
State: MO

Complaint narrative:
To whom it may concern, I am writing in regard to a collection account that has been reported on my credit report. The account in question is with P & B Capital LLC ( third-party agency ) is being reported as past due and open. However, I believe that this information is inaccurate and should be immediately deleted from my credit report.

I have reviewed my records and have found that I am not responsible for the debt I am being accused of. Therefore, the current status of the account is not accurate and is causing harm to my credit score and ability to obtain credit.

I am requesting that the inaccurate information regarding this collection account be immediately deleted from my credit report. I am also requesting that you provide me with a written confirmation that the account has been deleted and is no longer being reported to other credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), collection agencies are required to report accurate and up-to-date information to credit reporting agencies ( CRAs ). If a collection agency reports inaccurate information, such as reporting a collection debt as open and past due when it has actually been paid or settled, they may be in violation of the FCRA.

Specifically, section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that furnishers of information to CRAs, such as collection agencies, must provide information that is " complete and accurate. '' This includes reporting the correct account status and balance information.

Additionally, section 623 ( a ) ( 2 ) of the FCRA requires that furnishers of information, including collection agencies, investigate disputes that are submitted to them by CRAs and correct any inaccurate information.

I understand that the Fair Credit Reporting Act requires that you investigate disputes within 30 days of receipt and correct any inaccurate information. I would appreciate your prompt attention to this matter, as it is causing me undue stress and financial harm. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXXXXXX 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 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.

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 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Assured Financial LLC
State: KS

Complaint narrative:
Received a Text from XXXX saying I owed money form a XXXX I had back in 2020 for a XXXX XXXX. I have called my doctor and the hospital, and no money is due. I actually received a refund from the XXXX center. 

The lady said I owed the money and that she was going to apply a XXXX late fee and then hung up on me. 

I believe is company is a scam and needs to be shut down! 

Assured Financial is the name of the company trying to say I own this money. 

My questions is how they got this information. They had my XXXX date, doctors name and address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
this is my 2nd attempt. I am interested in processing disputes for all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information that needs to be removed asap.

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 2023-03-09 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: MI

Complaint narrative:
There was an address reported on my credit report that I was not familiar with XXXX and XXXX XXXX removed the address but Experian refused to remove the address. I was told that if my creditors did not report the address that Experian would stop reporting the address and this information was not correct.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a customer of Capital One, I have a capital one venture visa card. I booked 3 tickets from XXXXXXXX XXXX to XXXX ( XXXX ) on an airline ( XXXX XXXX  ). The cost was approx. {$9700.00}. Capital one flagged that as fraudulent. They asked me to call them. When I called them, they asked for all identifying information ( DOB, SS #, address, email, phone number etc ) and they said my card was put on hold and in order to lift the hold, I need to provide a copy of a govt. issued ID ( drivers license or passport ). The hold will not be lifted without it. I have too many automatic payments from this card. Hence I was forced to provide my passport copy. They said it went directly to a US govt. website and that capital one does not have access to the images.. In fact it went to XXXX When asked, they were not able to tell me how my highly sensitive information including my image will be handled and how it will be disposed. In the mean time, I lost my reservation in the airline. when I went back the ticket price jumped {$600.00} for the three tickets. I have over 30 years of credit in this country. Not once did I have to provide a copy of my ID for any transaction. When I did not have to provide my ID image for opening a credit card, why would I need to provide this for a charge verification? I suspect this is some sort of profiling. Hope CFPB can route this to the right channel to investigate. Capital one case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I went to the mortgage company website on XX/XX/2023 to make a one-time principal payment ( {$7200.00} ). When they processed my payment, they took out interest. I had already made my monthly payment on XX/XX/2023. I tried to rectify this with the mortgage company. They initially said wait 24 hours for the correction to their error. I did wait 24 hours and now they're they are telling me 3-5 more business days. That unacceptable. They already have my money ; they mis-applied the payment. That not a XXXX day fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was asked by the person to send money via XXXX to his landlord for the rent. He promised to return me money within 2 weeks. it happened on XX/XX/2022. As of now I did not get money back. this landlord refused to give me money back, his XXXX  account probably was blocked, the person who asked me also disappeared. his phone was disconnected. so, I was scammed. I requested my bank Chase investigate it, they opened the claim, but refused to send me money back. Please do an investigation. the person I sent money was XXXX XXXX, email XXXX. the person asked me is XXXX.

Company response to consumer: Closed with explanation