vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS sat on our complaint for over XXXX weeks invoking our right to have our prepaid PMI removed and refunded, and pretends that we never provided them a list of significant improvements to the property even though we specifically emailed them about these significant improvements on XX/XX/22 and enclosed these improvements in our original complaint XXXX. We are again attaching that original email. 

To be clear, yet again, we replaced every single window in this property with energy efficient XXXX XXXX models. In addition, we installed a heat pump water heater, replaced our washer, dryer, refrigerator and dishwasher with XXXX XXXX models. These are on their face substantial improvements that meet the threshold of energy efficiency improvements, and the property 's value has definitely met the threshold of 80 percent XXXX. We are also attaching the original non-responsive SLS response.

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 2022-11-08 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: Checkr, Inc
State: OH

Complaint narrative:
I sent in a identification theft report to XXXX on multiple occasions with all my information showing that where I live I own the house my copy of property tax from state I reside my license is another state I submitted proof. Via certified Mail same to checkr. Late payments and closed accounts deleted off my reports. Delete all traffics tickets and violations off checkr

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2022-11-08 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: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-08 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: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
UNATHORIZED CREDIT INQUIRY. I WILL TAKE THIS MATTER TO 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 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
During the night of XX/XX/2022, my daughter, XXXX XXXX 'XXXX XXXX XXXXXXXX XXXX was repossessed by Huntington National Bank. This was an indirect vehicle loan started by the dealer she purchased the vehicle from. I believe that Huntington failed to properly calculate her ability to repay before approving the loan. We were able to get the vehicle back from its repossession status. My daughter is now driving the vehicle. I believe that Huntington National Bank violates UDAAP when approving their indirect vehicle loans. 

As a side note, I am a XXXX XXXX at a community bank located in XXXX XXXX Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-08 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: FL

Complaint narrative:
Following the repossession, the creditor still has to follow a set of guidelines for the rest of the process. 

If the consumer left personal items inside of the vehicle, the creditor should give them notice of where the vehicle is and how they can reclaim these items. A creditor is not allowed to sell an individuals personal goods but they are allowed to keep or sell any enhancements that are made to a vehicle, such as an installed stereo system. 

The creditor can either choose to keep the vehicle as full payment of the consumers balance or they can choose to sell it. In the case that the creditor chooses to keep the vehicle, the consumer can demand that a sale occurs instead. At least 10 days before the date of the sale, the creditor has to provide the consumer with a notice that includes information on the time and place of the sale, as well as the unpaid balance on their loan plus any interest or reasonable fees collected by the creditor. If the consumer is able to pay off this full amount at any time before the sale occurs, they will be able to redeem their vehicle. After paying the debt, they will also no longer be in default and they will be able to return to having the rights of the original loan agreement that they had pre-default. 

The sale of the vehicle has to be carried out in a commercially reasonable way. The selling price of the vehicle should be comparable to that of its average market value and if it is not, the creditor could be held liable for unlawful conduct. After the vehicle has been sold, the creditor should send the consumer a letter that tells them the amount that the vehicle sold for, how the proceeds were applied to their balance and any amount of remaining debt that the consumer may still owe. If the money collected from the sale is greater than the amount of their balance, the creditor has to return the excess amount of funds to the consumer. If the sale was not enough to cover the total debt, the consumer could be held liable for paying the remaining amount, also known as the deficiency balance. However, in Florida, if the outstanding balance at the time of the default was less than {$2000.00}, the creditor can not ask the consumer to pay the deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MD

Complaint narrative:
Experian has failed to remove the account ( XXXX XXXX Account number XXXX XXXX account. {$4.00}, XXXX past due as of XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. I have also attached to this complain XXXX investigation results which resulted in deletion of said account.

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 2022-11-08 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 non-monetary relief
Consumer complaint received 2022-11-08 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
To Whom It May Concern, I am requesting a Security Freeze be placed on my Consumer Disclosure report. I opt out of you disclosing future information until further notice including the XXXX report and other reports furnished LexisNexis regarding all personal information of mine. This Security Freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift the restriction. Under the Fair Credit Report Act youre required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: 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 2022-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California
State: MI

Complaint narrative:
Never been sent actual contract. Even in the past making payments inaccuracies and balance then reporting late fees and payments but when you talk to customer service they say tak to school which never answers or calls back the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been contacting the Capital one credeit card company about a fraudulently opened account with the number XXXX, since I saw this when i had to do some credit application about a year ago. I've asked the representative to send me a wet ink application signature of mine and i haven't gotten a reply from them. This is a fraudulent account and Capital one keeps reporting the account delinquent a fail to remove it from my credit report. This action has caused me tremendous pain and has caused me to be denied credit. I didn't know of the way to do anything until I got an email of how to get help with fraudulent items on credit report. Please assist me with getting to the XXXX XXXX XXXX company who's prefers to destroy a real person who was taken advantage of by fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc.
State: NY

Complaint narrative:
National Credit Management has continued to contact me despite receiving a cease and desist letter from me and agreeing to stop communication after I filed complaint XXXX with the CFPB. NCM stated in their response on XX/XX/22 that this account was closed, but then verified the account through a dispute with XXXX as open and accurate on XX/XX/22. The collection agency is violating 12 CFR 1006.18 by engaging in deceptive practices by subjecting me to misleading representations of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Ive been a client of XXXX XXXX since 2016 and during this time I have received pre- approved credit card offers, in which I was always denied for. The end result was always taking a hit to my credit ; unaware it was causing me to end up with a hard inquiries. Every offer, I was so- called pre-approved for, never worked out. Until the early part of this year and guess what? I took another hard hit to my credit score. False advertising and fraud is what they have done. I would like the situation justified and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-08 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: NY

Complaint narrative:
Hi, The following issues are incorrect : : - payment history history and amount - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been since XX/XX/2022 and XXXX XXXXXXXX XXXX is still reporting negative items to to Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - Credit Limit

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 2022-11-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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