vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: VA

Complaint narrative:
Caller was professional and did not use abusive language or call to frequently. 
My problem is they demand that i disclose my Social Security Number and refuse to verify my identity any other way. 
The Privacy Act of 1974 as well as Virginia 's Protection of Social Security Numbers Act make it unlawful to deny any service for refusing to provide my Social Security Number. The Creditor is stating they are associated with collecting a debt of {$XXXX} from Virginia State Taxes. I have attempted to contact the Virginia State tax office however, the phone has never been answered for my numerous calls. Seem there is no way to contact anyone at the tax office. It seems very strange and suspicious that a state tax agency would place {$XXXX} to a private collection company based out of state ; that is either unfamiliar with the law or disregards it. This is such a minor amount of debt that I had thought was already paid as I do every year. The collection company is called PennCredit corporation located at XXXX XXXX XXXX XXXX, PA XXXX with a phone number of 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 2022-02-22 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: AZ

Complaint narrative:
To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.

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 2022-02-22 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: AZ

Complaint narrative:
To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
I already have a pending complaint against Homepoint ; however, their response, though insufficient and unsatisfying, stated I have to obtain an appraisal through a Homepoint approved appraiser. For THREE WEEKS, I've called and emailed requesting information on who is on their list so that we can obtain the appraisal to eradicate the PMI. No one is responding. How are we supposed to get this done when Homepoint will not answer questions? It's almost as if they don't WANT to help us. We've spent at least $ 75K on remodeling since the home closed and we know it will appraise for enough to remove the PMI. I have copies of multiple emails and a diary of multiple people with whom I've spoken to no avail. I can not get an answer. Please HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I had a COVID-19 loan forbearance with XXXX that was set to expire on XXXXPrior to that date a company called Gregory Funding bought the loan . In XXXX I contacted them prior to the end of XXXX by phone ( very difficult company to deal with they have 6 hour hold times on average ). I was told that I would be put on a streamlined program which would basically have me start making my normal payments of approximately $ XXXX as usual. I didn't hear from them for over a month then received loss mitigation paperwork. I contacted them by phone again in XXXX and was told to fill out the paperwork and that even though my loan is an FHA loan Gregory Funding does not have to follow federal guidelines because they are not an FHA company. I asked to speak to a supervisor and was told one would call me back. That has not happened. In the meantime I have received a 'notice of intent to foreclose ' letter and they intend to foreclose on my house on XXXX XXXX. According to your website the company needs to work with my to offer a payment solution and can not simply ask for me to pay the entire sum as a lump sum. However that is exactly what they have done. I believe that Gregory Funding is a predatory company that is specifically targeting houses in Florida trying to take advantage of consumers who utilized the federal COVID-19 forbearance program. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove 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 2022-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove 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 explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXXXXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/2022, XXXX XXXX  transferred servicing of my mortgage to Mr. Cooper. I was told I was going to receive a welcome package in XXXX  days. As of this writing, I did not receive a welcome package in the mail. I tried to register on XXXX, and they have no record of my loan being transferred from XXXX XXXX. Here is what they said : " Welcome! We didn't find that loan information in our system. If you received a letter or email about your loan being transferred to Mr. Cooper, this probably just means we're still working on entering all your loan data into our system. 

Typically, it takes up to XXXX days from your official transfer date for all your data to be entered. Please visit this page again soon to look up your loan and view its details. 

For more information, you can browse the FAQ at the bottom of this page for answers to common transfer questions. '' I tried to call ( using my SSN ) on XX/XX/2022, and they have no record of my loan. I can't seem to get in touch to make the payments. 

XXXX XXXX # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent XXXX dispute letters over XXXX  years ( all certified mail ) most recent dates ( XX/XX/2021, XXXX, 2021, XXXX 2021 ) so I have proof/receipts of such. Experian refuses to update my personal information, experian has refused to report accurate information on my report. There are XXXX different addresses on my report that are not accurate. There are several names showing on my profile. Experian has confirmed that my report was mixed with someone elses. I have been blocked from attempting to dispute online and Experian many times told me they will not allow me to dispute online or phone. As of now Experian refuses to invesitgate these inaccuracies yet they continue to allow third party companies to report illegal/incorrect information on my credit report.

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 2022-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MA

Complaint narrative:
This is a follow-up complaint that I have already made this is XXXX XXXX I received a notice which I'm going to attach to this complaint about a debt I do not owe about a payday loan it was XXXX XXXX XXXX at first and I sent in all the information to you about that one now they're contacted me using the name Ace Cash Express and they're threatening me saying they're going to charge me with check fraud banking violation regulation and identity theft I do not owe any debt of a loan never got alone in my life I called Ace Cash Express which I got from online the number and they said I'm not even in their system I am going to send the screenshots that I have took enough to email that was sent to me today it's really frustrating me because I know I don't owe anything and I can prove that with my bank account and checking account and they said they're going to do the lawsuit on XX/XX/XXXX and it's in XXXX XXXX XXXX I have never been or even lived in XXXX XXXX XXXX in my life I am from XXXX XXXX never Ben and to XXXX XXXX and the way that they're threatening to have charges put on me I know it's a scam because they're not allowed to do that they're claiming to be an attorney as well you will see this in the screenshot I sent you they also cleaned that I never responded to their first attempts I emailed them over 50 times with no answer please help me with this situation because it's very frustrating they're also threatening to tell Social Security about this situation and I collect XXXX so I know they're not allowed to do that either there is no phone number as you will see on the screenshot or address it just says Ace Cash Express and like I said I called them and they said I do not owe them anything I'm not in their system at all please look into this I would really appreciate it thank you for your time XXXX XXXX email address XXXX XXXX XXXX XXXX XXXX and all lowercase and also they never say my name they just say dear debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My mortgage was transferred to Carrington XXXX and they are charging me for a " loan modification. '' I'm not sure what they are trying to charge me for, there is no description of this change and I can not reach anyone at their office. All phone numbers are invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the XXXX XXXX credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from TD Auto Finance thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - XXXX XXXX XXXX '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at TD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-02-22 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: OH

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-02-22 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:
My credit score was XXXX yesterday and when I checked today it had decreased by XXXX points. I have 1 credit card which I am always on time paying. I am not sure why there was such a huge drop. Calling transunion did NOT help and the person had a language barrier. Nothing has changed on my report except I charged on my card. Please explain and advise what I need to do

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