vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right 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 2022-07-22 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: LAKEVIEW LOAN SERVICING, LLC
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act Lakeview ( subserviced by XXXX XXXX XXXX XXXX ) - Account # XXXX, has violated my rights. 
~ 15 USC 1681 Section 602 states I have the right to privacy.

~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.

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 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITAL ONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
This is a complaint against SN Serving corporation. 
I was previously serviced by XXXX XXXX XXXXs, During my last few months with American Portfolio i had requested for my PMI to be removed, XXXX XXXX asked me to pay for an appraisal to be done and if my appraisal came back over {$610000.00} i would qualify to have my PMI removed. 
The appraisal was done through XXXX XXXX Mortgages on XXXX, the appraisal came back at {$720000.00}. 

Right when XXXX XXXX were in the process of removing my PMI, my lone was bright by a new serving company SN Serving Corporation. I contact SN Serving by phone and explained the situation, they went on to say that if i can provide the appraisal and a letter from XXXX XXXX stating that PMI can be removed based on current market value then they would honor this and remove the PMI. 

On XXXX i sent SN Serving Corporation the appraisal and letter from my old serving company stating that PMI can be removed bested on current market value and if my appraisal came back over {$610000.00} i would qualify to have it removed. 
Since sending them this information they have been almost impossible to reach, I have since received a letter saying they don't remove PMI basted on current market value, Even though on the phone they said they would if i can provide the appraisal and letters and they also said on XXXX they would re look at this yet still they will not resolve this issue. 

Its not my flute they brought my loan mid process of PMI removal being completed with my older lender, I have been told i qualify to have it removed and it should be granted. 

They have not tried in anyway to resolve this issue which was in the process of happening when they brought my lone, This has been going on for months now and I need this to be resolved. 

I have never heard of any mortgage leaning refusing to remove PMI based on current market value, they need to honor my PMI removal as it was in process when they brought my lone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.

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 2022-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency

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 2022-07-22 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: IN

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received a VISA debit card for {$250.00} ( card no,. XXXX XXXX XXXX XXXX ) as a reward for performing XXXX  for XXXX XXXX. Unfortunately, I did not realize that it expired XX/XX/22. When I noticed in early XXXX, I contacted XXXX to see if they could extend the date. I heard yesterday from them that I would have to contact the issuer VISA ( Bank of America ). I contacted them and they are both unwilling to extend the date and also are playing games with my request. The first supervisor told me " no, they could not extend ''. When I asked to speak to her supervisor, she honored the transfer to supervisor request but ( perhaps ) hung up on me. I called back and the new person said he would escalate it to his supervisor. I am now on hold waiting for that person, and it has been at least three quarters of an hour. The attendant comes back on the phone every 6-8 minutes and says, " I am sorry, we are waiting for the supervisor ''. I asked this person to have the supervisor call me, but OF COURSE they are unwilling as that is not their policy. They have no value for a customer 's time but, in my mind, are just playing games with me hoping I will go away. If I were making a request to get their credit card, I know I would not be put on hold for this length of time. I understand that the expiration date has passed by three weeks, but I also know they have been paid by XXXX XXXX. I think there is nothing but greed on their part in that they are unwilling to extend the date, especially given these difficult covid times. I believe a multi-million dollar company could do much better and SHOULD do much better. I am not happy at all with the way I am being treated, being placed in an unlimited queue to speak to someone, nor am I happy that they are making it so difficult to speak to the supervisor. Nor, that they are that inflexible when all they do is make money off the working person. 

I suspect that the lobbying industry has put all kinds of regulations in place to protect the big money donors like VISA, Bank of America, thus hurting the average working-class citizen. I believe that they received the money from XXXX and should be forced to give it back both to me or anyone else in this same situation. With the computer at their ready access, they can view the card easily and see it was never cashed. 

Thanks for listening.

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 2022-07-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my XXXX and Equifax consumer report, under an open end consumer credit plan. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my Experian and XXXX consumer report, under an open end consumer credit plan. )

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 2022-07-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they got a complaint but it doesn't seem to have come from me '' oh yes the XXXX it did!!! CASE ID # XXXX. Innovis is violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me. IM not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters. REF # XXXX. Yes it me XXXX XXXX Innovis. Delete the XXXX negative item you are reporting. Or should I spell it out ... Read number ( 5 ) 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it you way, no you should do it according to the laws set in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
these accounts are fraud and not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was scammed by someone posing as a XXXX worker offering me a job opportunity. What happened was a check was sent to me containing {$3500.00}, XX/XX/XXXX I deposited it using my XXXX  mobile app and a few hours later, the funds were available to me. The scammer then had me send {$3000.00} of the funds to a " foster home '' through zelle and XXXX using bitcoin. {$2000.00} went to Zelle, and {$1000.00} went to XXXX. Then the check ended up being fraudulent, so the money was returned, resulting in my account having a value of - {$3000.00}. I contacted my bank and met with a representative, who then froze my account and told me to wait for 7-30 days so they can try to get the money back from XXXX. However, they stated that they can't take any action against getting money back from Zelle. I would likely need to pay it off myself once they unfreeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I sent a completed loan modification and assumption packet on XX/XX/XXXX via fax after several other attempts to get them the documents. They did not approve it until XX/XX/XXXX despite having all the information. I had to go into forbearance when my job got canceled due to COVID, and my alimony stopped. I have to assume the loan or refinance as part of my marriage settlement agreement. I have a past due balance of approximately {$49000.00}. I have paid on my home XXXX, and put my pension down on my home, so my equity is important to me. Because of the delay I was not able to receive a better interest rate and it cause the amount of my forbearance to be higher. The loan modification placed the forbearance amount in a second lien on my home. I called Penny Mac to make them aware that I qualify for PHAP and that I received communication that I would receive funding in a couple weeks to pay off whatever I couldn't pay due to forbearance. I called Penny MAC on several occasions to make them aware of this. If they put the funds into the second lien it will not show up that I have a past due balance and the grant will not pay. Penny MAC doesn't seem to care. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One Auto Finance - Account XXXX, has violated my rights. ~ 15 USC 1681 Section 602 states I have the right to privacy. ~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. ~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation