vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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: MI

Complaint narrative:
Since the month of XXXX I have been trying to dispute an amount on my credit report that was put there by Midland Funding, LLC. Since about 2017 the debt has been there for the amount {$490.00}. As of late a couple of times a month they will add {$1.00} which effect my credit and make my credit score go down XXXX pts then before then of that same month they will remove the {$1.00} they added and this tactic is all to keep my credit in shambles. I sent a debt validation letter and the letter showing {$490.00} but, then I got an email from XXXX in XXXX that the Collection went up to {$490.00}. According to Michigan law a debt collector does not have the right to add any fees or interest to any debt. I still protest that this debt is not mine and I want it removed from my credit report because, it is harmful to my life 's progress. Midland Funding LLC did not prove that they owned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERIS BANCORP
State: GA

Complaint narrative:
They told me I couldnt because I was on a list but I never done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt collection was already deleted and removed off my credit report but some how another company picked this debt up and now reporting it i have had service with at & t the company name thats now reporting this debt is Credence Resource Management address XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX balance XXXX this is not my account i have no knowledge of this account and will like this removed once again and for them to stop reporting this on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS 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 non-monetary relief
Consumer complaint received 2022-06-29 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: NY

Complaint narrative:
Dear CFPB Agent, I've been noticing changes in my credit report that are not accurate. 
there is a company in particular that reported my Credit on XX/XX/2022 and I don't recognize or authorized. XXXX XXXX has posted an Inquiry on XX/XX/2022 please help resolve this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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: PA

Complaint narrative:
On XX/XX/2022 I sent yet another letter ( Certified USPS XXXX ) to Experian stating my claim. My letter was an answer to the " verified '' accounts that allegedly were investigated. Experian stated accounts DEPT OF EDUCATION, XXXX, and XXXX XXXX were investigated but how is that even possible when the opening dates, last active dates, and last reported dates are inaccurate? I also add that my name isn't listed correctly and you don't have my birth date. It's just a year listed. 
Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft.

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. 

Finally, I have to know as to how you can " verify '' the accounts below when XXXX and XXXX have both complied with my actual claim by deleting the accounts. I attached both agencies reports as proof that you are not communicating the disputes to all required databases. 

I've attached proof for the following accounts : 1. XXXX XXXX XXXX  XXXX XXXX 

2. XXXX XXXX XXXX XXXX .

3. XXXX XXXX XXXX XXXX .

4. XXXX XXXX XXXX XXXX .

5. XXXX XXXX

6. 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 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan Modification Denied with out and explanation. 


Per the denial letter dated XX/XX/2021. That XXXX XXXX XXXX. has reviewed you for options that would allow you to keep the property and for options that would mean that you would not keep the property and we have evaluated you for all other available options to ensure you have sufficient information to make an informed decision. 
Proprietary Modification Declined Short Sale- Conditionally Approved Deed In Lieu - Conditionally Approved While you provide no documentation disclosing the terms Mr. Cooper or XXXX Bank XXXX XXXX offer or NPV input used. We demand that Mr. Cooper or XXXX Bank XXXX. provide the terms the loan was reviewed for and XXXX input used additionally request review for any other programs Mr. Cooper offers as well as Standard, In-house Modification, or a repayment plan. 

Mr Cooper did not provide any NPV inputs, showing what the existing loan balance is, what interest rate is, what the principal and interest payment is. Please provide the full NPV inputs and why an affordable modification could not be reach. 

Additionally, we request that our the Brookhysers be fully reviewed for all programs including but not limited to temporary reduction, forbearance program and /or deferment program ( balloon payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: NY

Complaint narrative:
In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: NY

Complaint narrative:
In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS 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
Consumer complaint received 2022-06-29 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: MI

Complaint narrative:
In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX XXXXXXXX XXXX  {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX bank {$870.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} # XXXXXXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to keep my home. On or about XX/XX/XXXX, US Bank National and/or employee attorneys working for US Bank National , fraudently portrayed themselves as my " listing agent '' and posted pictures of my home on XXXX  offering it for a " cash '' sale buy through XXXX 
4 days later I discovered this and I began contacting XXXX, sending them a copy of the Court filing and my attorney information confirming that my home is under Bankruptcy XXXX XXXX protection and letting them know I had no knowledge of or a business relationship with a listing agent, who had also posted the advertisement on XXXX and XXXX. 
XXXX legal dept responded to me with the attached correspondence, confirming that this action that violated a federal Bankruptcy injunction was taken by " individuals who claim ownership '' of a note or mortgage toy home. Since then, I have also obtained material evidence that US Bank obtained a second mortgage on my home in XXXX without my knowledge or authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
New evidence connected to complaint XXXX I provided all the necessary information and packet the law requires to have this information blocked and removed. Transunion is neglecting my federally protected laws as a consumer. I gave them enough time to remove these harmful and fraudulent accounts from my consumer report. As pursuant to 15 USC 1681c-2 Block of information resulting from identity theft. Transunion was provided a copy of my ID, copy of FTC report, the items to remove, as well as a statement that this was not information relating to ANY transaction by the myself. This was not a request to because of a error. Transunion is willfully and knowingly breaking the law. My complaint was submitted on the XXXX, and it is now the XXXX. That is past the 4th day they had to block and remove the items. This is damaging my credit worthiness as well as curing mental anguish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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 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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date OpenedXXXX Amount : {$4100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CDI Affiliated Services, Inc.
State: NM

Complaint narrative:
I have a ambulance debt to pay of XXXX which i agree is my debt and i just payed XXXX towards it today XX/XX/22 which should leave me only XXXX to go but this agency is charging me a extra XXXX for public agent fee which brings total for this debt to XXXX which is not on the contract and they told me i would still have to pay this extra fee to have debt paid in full. 
The supervisor i talk to and told she can not charge me the extra fee said yes she can even though it is against federal law of extra charges and was not in contract and i did not sign any papers at all due to a ulcer burst and was not awake at time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXXXXXX XXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
This complaint is an addendum to XX/XX/2022, " CFPB complaint # XXXX, requesting arbitration. 

" Shellpoint '' has since provided more information proving breach of contract, violating RESPA, and UDDAP in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation