vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint mortgage company took over my account n foreclosed on my house they over charge me n had me pay escrow account which in my contract im only to make XXXX payments 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 2022-06-12 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 — Problem with personal statement of dispute
Company: Capital Management Services, LP
State: GA

Complaint narrative:
I had a CC with XXXX that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.

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 2022-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
I want to complaint about my mortgage, Fay Servicing, aka XXXX XXXX  XXXX, XXXX  as Trustee for XXXX Master XXXX XXXX, c/o XXXX XXXX XXXX attorney for plaintiff, XXXX XXXX XXXX XXXX XXXX. 

Last year in XX/XX/2021 there was a bad winter ice storm with heavy freezing rain in our region that caused a huge tree falling on my house and destroyed it. My family didn't have a place to stay so we went to stay at a shelter for a while. And now, my house had not been rebuild yet because of them. At that same time when my house was destroyed by the huge tree, my mortgage was sold to a new mortgage company called Fay Servicing , LLC. I called to let the new mortgage know about my house was being destroyed by a huge tree and that my family had no place to stay, so they should work things out with me by modify the loan to a lower interest rate and lower the forbearance or other condition that I told them. But they didn't work with me, instead, they put my property in auction. I complainted to the State Attorney office that they shouldn't just forclosed without noticing me and/or they should work with me. I did wrote to ask them to modify the loan or lower the interest rate because it was high interest rate of 5.7 % compared to the current market at that time which was 2 %. They wrote a letter demanding for me to pay them over {$200000.00} in XXXX of XXXX, that's all. No response of any modification of the loan or anything at all. Up until now that they suddenly put us in auction again without any forclosed. There should be step by steps and give a 6 months or more as time frame for a house being forcloed until it can be in auction. But these company did not follow any procedure. They think they have the money and they can just auction whenever they want. That's very bad mortgage service. Also, They don't even care to ask if my daughter who's still in the militaty would interest in buying the property in her name at all. Yeah, they are very bad mortgage service. 

As of now, my house had not been fixed or rebuilt at all because of them. The house was totally damaged and useless. They suddenly put us in auction without any forclosed or not care if there's a house on the property or not. They're asking for a sale of high price totaling {$370000.00}, which we didn't owe them this amount at all. How did they come up with this high price when there was a totally broken and useless house on the land? Even with just the bare land by it self, it won't be this high price at all. They are just very greedy and hungry for money and not caring for me or if there's any house on the land. They are very bad company that should be punish for their wrong doing. They should be charge with big fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 at around XXXX XXXX I tried about XXXX TIMES to access my accounts with a CORRECT username and password and I kept getting errors. Messages received are " We are making improvements to the site... .etc etc etc ''. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. 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 explanation
Consumer complaint received 2022-06-12 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account ending in # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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 2022-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AZ

Complaint narrative:
Reported on my credit report a new debt but has never sent a letter or provided me with any communication or information about the said debt. I would need Information like the dates of the original debtor to know if its even my debt. Since my SSN and other personal information was compromised during a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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:
n accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-06-12 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:
n accordance with the Fair Credit Reporting act 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 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 2022-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The property by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated not only my financial rights but also my personal rights. They removed my personal property from my apartment which was the direct cause of many of my items being stolen. We were not in violation of the eviction notice as it was sent out that same day. Which means we still had XXXX hours to pay. I have engaged in disputes with this company many of times over the years because of this but they are not attempting to make this fair. The agency is also reporting the collection account each month without my prior consent. Also, I did not receive a letter of notification of this debt. I request that these accounts be removed immediately due to a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma I Had Fraudulent Activity Happen In my account and I contact credit karma and let them know the situation sent them all documents from the incident that occurred with Proof! and a Police report dates times everything Credit Karma Frozen My account, And my direct deposit from my employer is going into this account it's been over a Month and they won't release the freeze on my accounts I call every day and customer service tells me the Higher Up department has my case and the Only way to contact them is through Via Email I Repeat I Call Everyday and each time I call they quote unquote I am Escalating your information to the XXXX XXXX where they have your case because the cases is in XXXX I ask them please can my account be unlock and they state they can't see my file because my case is under review I've been called a lier, and been disrespected and discriminated by an employee a customer service or could've been higher up I don't know however I'm just asking for my account to be unlocked I complied with everything asked of me but they're not complying at all dates start XX/XX/2022 to Current with no Updates and no emails I have all supporting documents and each email of Repeat it information asked from them if they can unlock my account and still do their investigation it would be Greatly appreciate it I've been ever so stern about this situation I'm getting upset and All Call Say They Are Recorded..I Keep Getting The Run Around I Need To speak to Anyone Other then Customer Support they are all XXXX and you can't understand nothing they're saying.. Credit card needs to be sued And investigated They are a Scam...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: NJ

Complaint narrative:
I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 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 : 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 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 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 : 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 2022-06-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-12 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: NJ

Complaint narrative:
I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-06-12 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have XXXX  loans with XXXX College in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them discharged. I am currently trying to buy a house, but with XXXX in XXXX  loan debt on a fixed income, that is not going to happen anytime soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.

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 2022-06-12 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: FL

Complaint narrative:
I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.

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 2022-06-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

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 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: DE

Complaint narrative:
we are a small business below book auto, we hired a processing company by the name of XXXX XXXX XXXX to handle our credit card account.. we canceled there processing service XX/XX/2019 by phone and had our bank alert them also. They continued to charge us a processing fee of XXXX per month?? after the account was canceled. We were then placed in collection by southwest recovery services ( XXXX ) for XXXX in XXXX of XXXX we attempted to deal with them but they will not acknowledge any of our documents stating we canceled account!! they just want to negotiate a settlements on funds we do not owe. The processing company will not talk to us? they say deal with the collection people? i can be reached at XXXX XXXX XXXX we have all the documents from XXXX XXXX  that shows account was canceled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

Company response to consumer: Closed with explanation