vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
TO WHOM IT XXXX CONCERN I would like to initiate a complaint to CFPB. According to a communication received from said office of PHH Mortgage Company, I was to have had an opportunity to submit information regarding my Capital Home Improvements for deductions regarding the Pay-Off of my home. However that has not happened. I have been in communication with this mortgage company now over many different issues. I should have been given an opportunity to have my home appraised by a certified appraiser. I should have been able to submit a list of my Capital Home Improvements I was not, nor was it requested of me. I was just made aware that the opportunity existed from a communication sent from the Ombudsman Office via CFPB. The mortgage company, ( PHH ) has come up with a said amount for a Pay-Off that I totally DISAGREE with in the amount of {$57000.00} Ive requested a detailed breakdown of how the amount was arrived. No detail follow up of said concern has been offered as of XX/XX/2022. I am requesting your assistance and advice regarding help with this on-going complaint. Thanking you in advance for your help. Ive offered paper work for Capital Home Improvements and a home appraisal report has been submitted. Last payment ( balance on the account ) of {$6.00} for mortgage payment was attempted at least three times and each time it was declined with a returned check from said mortgage company. The mortgage company has now caused my credit ratings to become compromised, therefore placing me in a position to be denied credit approvals. My credit score dropped down greater than 100 points. P.S. I was told by a representative via phone about XXXX or 6 months ago that the pay-off should be about {$4000.00} to {$5000.00}. Not {$57000.00}. Still no financial breakdown of arrival amount. Thanks again for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. 

This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOWNE MORTGAGE COMPANY
State: IL

Complaint narrative:
In the process of trying to get a loan last week, I was informed by the Lender that my Current mortgage loan ( since XX/XX/2022 ) with Americu Mortgage does not appear in any of the credit report companies. I called Americu on Friday XX/XX/2022 for an explanation and was told that they will look into this. I called again today, Monday XX/XX/XXXX, and was told a ticket to look into this was in the company computer and it would take 72 hours to review it.

I am very concerned about this because it is affecting my credit score negatively. 

Isnt this illegal that they havent been reported my debt and monthly payments to the credit bureau since XXXX of this year. This really worries me. 

Looking forward to hearing from you. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: IL

Complaint narrative:
On XX/XX/XXXX I submitted a credit dispute to Experian to investigate the XXXX XXXX error On my credit report. 
I was told it would take 30 days to investigate, I received a update response with no updated review to my credit report On the same day XX/XX/XXXX There Is no way a investigation could be completed within a XXXX hours time! 
XXXX and XXXX updated my credit file XX/XX/XXXX. Experian negligence is causing a negative impact on my credit score

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 2022-10-10 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: Resurgent Capital Services L.P.
State: TX

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. 
Account name : XXXX # XXXX ..., Account name : XXXX Funding XXXX  # 70618719XXXX, Account name : 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 XXXX states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A SECTION XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The Publishing of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, Mental anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the credit reporting agency permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over 60 days.

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 2022-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code XXXX 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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

Complaint narrative:
In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX  XXXX BANK NA ACCT # XXXX XXXX XXXX ACCT # XXXX SELF XXXX BA ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX/ ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX JEWELERS ACCT XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXXXXXX XXXX COLLECTION SERV ACCT # XXXX XXXX XXXX ACCT # 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 XXXX : 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 2022-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-10-10 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX contacted me to attempt to collect a debt for consumer phone service. I reported this as fraud, which XXXX XXXX refused to accept. After escalating with the FCC and other regulators, XXXX XXXX changed their opinion and confirmed, in writing, from their Executive Response team on XX/XX/2022 that the debt was indeed fraudulent, and I have " been absolved of all financial responsibility for this account. '' Despite these findings, XXXX XXXX transferred the fraudulent account to a collections agency who has since filed a collection on my credit report. I expect XXXX XXXX to accept responsibility for their actions and honor their commitment to address this situation as the fraud it is and direct their collections agency to fully remove this derogatory information from my credit report. XXXX XXXX File No. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: BARCLAYS BANK DELAWARE
State: TX

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. 
Account name : Barclays # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : 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 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 2022-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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. 
Account name : XXXX # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : Capital One # 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 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an inquiry on XX/XX/2022 from { Amex } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, 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 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 2022-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is giving me a hard time getting my report no live operator or options keeps hanging up or wanting sensitive over and over same questions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CO

Complaint narrative:
I received a call 2 Fridays ago ( XX/XX/XXXX ) from XXXX XXXX  from IQ data international. He was calling in regards to XXXX XXXX XXXX. I moved out in XX/XX/XXXX. XXXX was the XXXX person. He wouldn't let me speak. He overtalked me over and over. When given a chance to speak I tried to explain to him my lease was month to month and that I didn't break my lease. I also explained to him why my lease was month to month. I asked him to send me all documents and photos, I was told " you don't have time to review this. After XXXX and I went back and forth he sent over 1 document showing I owed for damages and cleaning, I advised XXXX I was fine with paying for other damages but I was not paying for additional rent, carpet, or cleaning. XXXX stated " even if I remove those charges that are only {$800.00}. He then disconnected my call. This company refuses to help you. XXXX spoke to me as if I was a criminal and was very belittling and harrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
opened XXXX original creditor XXXX XXXX XXXX XXXX and Telerecovery owns the debt now I will use laws to remove this debt from my credit report : Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S Code 1681 C-1 Section 605 B 15 U.S Code 1681 C-2

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 2022-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been getting charged {$2.00} minimum interest charges after paying the account off on the due date. Starting back to XX/XX/XXXX. Due date for this account is the XXXX of every month. 

-- XX/XX/XXXX, payment made of {$37.00} -- XX/XX/XXXX, payment made of {$5.00} -- XX/XX/XXXX, charged {$2.00} minimum interest fee when account was paid off on XX/XX/XXXX. 
-- XX/XX/XXXX, payment made of {$16.00}. Account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. I knew account was paid off so didn't bother to check my balance. 
-- XX/XX/XXXX, charged {$2.00} late fee. 
-- XX/XX/XXXX, payment of {$2.00}. 
-- XX/XX/XXXX, received a credit of {$2.00} as " small balance adjustment '' -- XX/XX/XXXX, payment made {$37.00} -- XX/XX/XXXX, charged {$2.00} interest fee. 
-- XX/XX/XXXX, payment of {$8.00}, account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. Paid the {$2.00} on XX/XX/XXXX. 
-- XX/XX/XXXX : I paid off the account for {$67.00} on the exact due date. 
Received an email on XX/XX/XXXX that my minimum payment is {$2.00} for interest, due XX/XX/XXXX. Received an email XX/XX/XXXX saying my new balance due is {$6.00} ; Previous {$2.00} interest fee, {$2.00} late fee, and now an additional {$2.00} interest fee. Contacted Victoria Secret, representative stated that he could not waive the late fee of {$2.00} but would waive the total of {$4.00} for the interest fees. Representative explains that the {$2.00} is the interest being " Carried over for the next month '' but I paid the balance off on the due date, paid in full. 

The last several months, I just paid the {$2.00} because I didn't think anything of it but been catching on to this and the fact that they're charging people interest when the account is paid on the due date.

Company response to consumer: Closed with monetary relief