vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Dept of Ed/Aidvantage is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of Ed/Aidvantage does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We applied for forbearance during The pandemic and now Im trying to get a loan modification. I was sent a letter last week saying that I was declined due to that I didnt have paperwork showing hardship and that the house will be foreclosed on XX/XX/22. I have not received any formal letter from the mortgage company, I was verbally told over the phone. I thought with the Cares Act they could not use the forbearance total to foreclose on your house. I was not given any other options but a modification loan. I have equity in the house that will cover the {$27000.00} that Im behind in. I have made the last 4 month mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I log into TransUnion site, go to freeze/unfreeze and get an error that says : XXXX The TransUnion Credit Freeze Service is temporarily unavailable. 

It's been this way for several months. I called as asked why and they didn't know and didn't help. 

I also can not retrieve a credit report from the site. Says there should be a free report once per day and it gave me an error when I tried to request it.

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 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent documents to XXXX and Transunion via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling Transunion after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. XXXX claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for Transunion stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.

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 2022-09-25 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: GA

Complaint narrative:
On XX/XX/2022 I sent documents to Experian and XXXX via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling XXXX after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. Experian claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for XXXX stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.

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 2022-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Note there XXXX complaints files here they told me to show them errors I feel in retaliation and not fix their errors they sell my mortgage ; My payment was XXXX. No escrow was never late, ask for a short time : On XX/XX/XXXX We sign a modification base on the information from Bank of America that was provided ; Information dated XX/XX/XXXX to XX/XX/XXXX escrow demand XXXX, payment would be XXXX : plus the add 14 years : upset, Bank America made this call. 
all trial payments were made on time ; Modification was delayed but updated from XXXX to XX/XX/XXXX ; on XX/XX/XXXX Mis post of XXXX applied to the principal. Principal adjusts to XXXX ; ( XXXX ) XX/XX/XXXX wave the late fee. were adjusted ; the amount of XXXX and arrearages was not applied : also Bank of America part of the modification was supposed to pay an amount to escrow they did not, As I review we were manipulated by the demand of XXXX escrow when they only need XXXX. They add 14 years based on their figures : Date XX/XX/XXXX : We sign a modification base on the information BOA provided; We made our first payment on XX/XX/XXXX in amounts of XXXX and XXXX and it took XXXX weeks for Bank of America to credit my acct : XX/XX/XXXX as of XX/XX/XXXX sum of XXXX were unapplied total ; I paid all the amount there were due to all statements XX/XX/XXXX to XX/XX/XXXX that were sent paid. I was told all unapplied would make full payments On XX/XX/XXXX they fail to apply all payments to what was due ; applied money for the Deferred Principal balance of XXXX that was not due on XXXX/XXXX then demand escrow amount from XXXX to XXXX ; on Modification estimated of XXXX the fact is they increase my escrow to collect XXXX in less than 8 months, and they have failed to subtract it from the deferred principal balance as they promise as of XX/XX/XXXX on XXXX for XXXX, it should have been only XXXX ( Letter dated XX/XX/XXXX they add XXXX to my loan ; On XX/XX/XXXX I paid the XXXX ; XXXX states XXXX, not XXXX. 
I did not fail on payments Bank of America fail on applying on XX/XX/XXXX bank of America sent a letter stating Capitalizes escrow transaction was delayed until XX/XX/XXXX. 
Our full understanding of modification to help us not to delay In their letter it states does not match XXXX for XXXX and XXXX ; they also take escrow early base on XX/XX/XXXX enclosed. 
;

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 2022-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
HAVE SENT SAME PAPERWORK FOR " MY INCOME ONLY '' ONLY ONE ON LOAN TYPED UP A LETTER OF EXPLANATION!!!!!!!!!!!!!!!!! SEE XXXX FILE JOINTLY WITH MY SPOUSE AND EXPLAINED IT MY " INCOME ONLY ON APPLICATION '' HAVE SENT SEE XXXX SENT SINCE XXXX!!!!!!!!!!!!!!!!!! WHY CAN NOT ANYONE READ IT! DONT NEED TO SEND HER 1099 INFO BUT DID SHE IS NOT ON LOAN!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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 — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
My complaint is actually with the Company reporting my credit to the 3 credit agencies. Back in XXXX I had a problem with my XXXX  Credit card, They had a charge of {$740.00} on my card that I did not make. I went back and forth with XXXX many times about this and finally sent them the bill back telling them I refuse to pay the balance until they provide a receipt of what I have purchased. I than had a XXXX XXXX that was removed in XXXX and this was forgotten about. I recently studied my credit report and it appears Calvary Portfolio Services took over this bill. I disputed it with the 3 reporting agencies looking for proof of what I had purchased. Calvary sent me a copy of the same bill I have been receiving from XXXX with NO explanation still on what was purchased. I have attached my copy of what I sent XXXX in XXXX and a letter to Calvary. If they are not able to show what I purchased then this should be removed from my credit report. They also said my account is " Now subjected to resumption of collection efforts '' I'm not sure what that means but it sounds like punishment for a complaint. My Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: FL

Complaint narrative:
I received a Collection Letter Dated XX/XX/2022 from Unifin , Inc. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with XXXX XXXX XXXX XXXX. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by XXXX XXXX about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from UNIFIN about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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  Accounts # - 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 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Upon the federal governments announcement of the ability to freeze my mortgage payments a few months into the Covid-19 pandemic, that is exactly what I did. I had recently returned to the country out of fear of being stuck XXXX without possibility of acquiring a new XXXX. I froze my mortgage payments because of the complete lockdown we were facing. As it turns out, its incredibly difficult to find a job when all businesses are forcibly closed by government mandate. I requested to exit my forbearance plan in XXXX XXXX XXXX. Roughly 5 months after my initial request, my loan was packed with approximately XXXX other VA loans and sold to XXXX XXXX. I was told my process wouldn't be affected and would be completed within 30 days. A full year later a representative from XXXX XXXX informed that nearly all of my documents that had been submitted had expired. Every document they have requested from me has been provided to them with 1 work weeks time. I routinely have waited 2-3 months to receive any information from them regarding my loan. XXXX XXXX serviced by XXXX, has failed to properly retain the documents I have submitted to them, failed to correspond with me regarding my loan in any form of timely manner, and at face value appears to be delaying this process as much as possible in order to prevent me from receiving the VA loan modification I had originally applied for. Their gross incompetence and general disrespect for me as a consumer has me searching for legal help in order to hold them responsible for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: CA

Complaint narrative:
In Accordance with the Fair Credit Act, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have 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 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 2022-09-25 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: VA

Complaint narrative:
Dept of Ed/XXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.

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 2022-09-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: VA

Complaint narrative:
Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also DepXXXX of Ed/XXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Credit Resource Management is reporting on my CR with a " debt '' that state is owed by me, natural person. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Resource Management or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Resource Management. I have yet to witness a " wet ink '' signature between myself and Credit Resource Management nor have I ever received a True Bill in commerce in regards to this account. There is NO valid contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC
State: MA

Complaint narrative:
On XX/XX/2022 Aspen Properties Group LLC notified me that they will modify my mortgage. Aspen however conducted a foreclosure sale of my home on XX/XX/2022. I was under the belief that Dual Tracking was illegal. I worked diligently with Aspen to get a loan modification and supplied all the required information that Aspen requested but was blindsided when my home was sold. I am still in possession of my home but was notified that there is a new owner of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Act, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have 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 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 2022-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Act, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have a XXXX Rewards credit card through Comenity. In XXXX of 2022, the rewards completely stopped working. I have called both Comenity and XXXX XXXX and no solutions have been offered by either. It was referred to as a delay. Ita been more than 90 days since any rewards have registered for any purchases. This is unacceptable and I will be canceling my account if it isnt fixed within a week. Comenity obviously does not care about its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transform Credit Inc.
State: GA

Complaint narrative:
i have contacted the credit bureaus and sent police report this company refuse to delete this from my report. Also in the fair credit reporting act 602 A and 604A they are violating my rights. this account was opened in 2018 they are still reporting it as open in order to reduce my credit score every month while i try to have this account removed. and account is suppose to report closed after 180 days. this company refuses to comply with anything in a legal matter.

Company response to consumer: Closed with explanation