vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
I tried to pay the escrow shortage for my mortgage in XX/XX/2022 and the payment coupon from the bank had an incorrect address. I ended up putting a stop payment on the first check, sending a second payment to a different address. The bank charged me for a bounced check ( after they tried to cash both checks ) and they have not corrected what my mortgage payment should be on my monthly statements even though when I call them, a bank representative tells me that they have adjusted my mortgage in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 non-monetary relief
Consumer complaint received 2022-07-30 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: MO

Complaint narrative:
While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX # " " " " XXXX XXXX {$99.00} XXXX XXXX # XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs XXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: OH

Complaint narrative:
I am filing this complaint due to a unauthorized account from XXXX. XXXX, XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hello, I've filed many complaints regarding Hyundai with contested end of lease charges, negative reporting on my credit report subsequently lowering my score. I saw the XX/XX/2022 CFPB order for Hyundai to pay for widespread credit reporting failures and I thank you so much for taking action. It is absolutely encouraging! My previous complaint numbers re : Hyundai : XXXX XXXX XXXX XXXX I was denied credit from XXXX XXXX XXXX XXXX making me ineligible for an auto loan {$2000.00} BELOW market rate. The Hyundai " charge off '' was one of the items checked as " collection action or judgement ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: CL Holdings LLC
State: GA

Complaint narrative:
there are 3 fraudulent accounts on my credit report that is not my doing im a victim of identity theft i have never made purchases from these said companies that are reporting to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX, Enter into a settlement agreement with XXXX BANK XXXX XXXX A. AS XXXX THE XXXX XXXX XXXX.AND THEIR SERVICERS : XXXX XXXX XXXX XXXX. 
and I placed a complaint with this agency on ; XX/XX/XXXX complaint that XXXX have never provided proof that they honor the settlement agreement terms by the removal of fees and a reduction of outstanding balance ; reducing principal and interest from : {$470000.00} to {$430000.00} on XX/XX/XXXX see attached settlement agreement copy and payment of taxes, interest and principal payment according to promissory note ; PRINC & INTEREST {$1300.00} ESCROW UNTIL XX/XX/XXXX : {$95.00} PAYMENT EFFECTIVE XX/XX/XXXX {$1400.00} PER MONTH See escrow activity ( attached ) So We have request in Writing phone calls and Error resolution letter of our account activities and never got any answer on XXXX XXXX XXXX XXXX  transfer loan to : SN SERVICING XXXX XXXX XXXX ; building XXXX XXXX XXXX, LA XXXX Loan # XXXX Hoping the new servicer will Honor the agreement it got worse request again again for account activity, statements, proof of correction of fees and balances reflecting settlement agreement to this date they have ignored all my requests by writing and phone calls and emails see attached corresponds from SN SERVICING our dispute is {$36000.00} settlement agreement and {$13000.00} of unspecified fees WE WANT PROOF OF CORRECTION AND A W-9 AND A DETAIL OF ACCOUNT ACTIVITY WE HAVE NOT BEING ABLE TO DO ANY LOSSMITIGATION BECAUSE OF THIS ERRORS see all attached documents to collaborate our dispute. 

XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: OH

Complaint narrative:
I am filing this complaint due to a unauthorized account from XXXXXXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: OH

Complaint narrative:
I am filing this complaint due to a unauthorized account from XXXXXXXX XXXX, XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$99.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX XXXX XXXXXXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MN

Complaint narrative:
Enhanced recovery out is in collections for {$240.00} on XXXX XXXX XXXX XXXX XXXX XXXX debt. 


This is for equipment that was returned and we have receipts showing it was returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MA

Complaint narrative:
I received this letter in the mail today and it says that there is a {$4100.00} debt under my name through XXXX. This is not my debt. This debt is suspicious and Im going to file a complaint with the consumer Protection Bureau and Im also going to make an FTC report concerning this debt under my name. What do they sell at XXXX that cost {$4100.00}? Isnt XXXX a cellphone company. I do not use XXXX for my service. I use XXXX XXXX as my cellphone provider for the last 5 years. Im writing you guys back because the letter said Afni Inc is expecting a response from me by XXXX XXXX or they will assume that the debt is mine. I believe that I maybe a victim of identity theft possibly because I did not have XXXX and generate this debt for {$4100.00}. In order to dispute this debt and prove that it isnt mine, Im going to send a copy of a bill that I have from XXXX XXXX and an FTC report because I believe that Im a victim of identity theft. Im going to send in proof of my identity such as a copy of my passport and a copy of my social security card. I have also enclosed the FTC report and Consumer Protection Bureau report along with this letter also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: HI

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL EXPERIAN AND XXXX TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : 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 XXXXNVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX ENACTED XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

SINCERELY 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 2022-07-30 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: DC

Complaint narrative:
Experian is reporting false information on my credit report and refused to investigated or delete derogatory errors on my credit report despite the fact that I've mailed them copies of all my documents. They still have XXXX different names in my account. I had sent them my Drivers license, My bill, copy of my social security number and so on, they are still reporting wrongly. The have people buying cars and houses in my name and they are reporting them on my credit report as delinquent. Lowering my credit scores. I don't have any problem with the other credit reporting agencies but Experian. I think that they're fraud and needs to be investigated. They always allow third party credit reporting agencies and allow anybody into my account which was the case with XXXX. They don't believe in doing accurate and detailed investigation.based on my experience over XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
This complaint is for better clarification and in addition to a complaint filed on XX/XX/XXXX # XXXX. I have been making double payments on my CMG financial mortgage ( loan # XXXX ) for the last year. Per CMG Financial 's policy any amount over the mortgage payment goes towards principle on the loan. This month ( XX/XX/2022 ) I paid a little over double my mortgage payment. The second payment I made for {$1300.00} this month ( which should have all gone towards principle ) was applied towards interest and only {$29.00} of that amount was applied towards principle. I have called them seven different times. Each time they informed me that it would be taken care of in 3 days. It has been approximately 3 weeks and I have spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX and XXXX XX/XX/XXXX and most recently XXXX # XXXX on XX/XX/XXXX and several other CMG agents whose names I do not recall, and they still have not fixed the payment problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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:
Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information. 

How did you talk to? 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update all late payment, all late payment was made on time XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief