vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I dispute this debt to Portfolio Recovery and also ask for debt validation. I also request to provide verification of the amount they said, I owe. They did not provide me with the original credit application as I ask. 
Portfolio Recovery respond back that they had completed our investigation of your dispute concerning this account.

Portfolio Recovery never did a proper investigation, In accordance with Fair Credit Reporting everything has to be 100 % accurate on my credit report, how is that possible if the date open is inaccurate, last report date, date last active? 
They also violated the law because according to 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, I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in the section of closed credit accounts they have incorrect information on my former XXXX account Experian keeps reporting charge-off as of XX/XX/XXXX which was actually charged off in XXXX of XXXX and also due to the law of an act of a written contract in new york it's over 6 years so contract is nulled voided and expired, so therefore by consumer and USA laws Experian has to remove it off my credit report asap. once again they didn't provide any evidence and ignored me as I previously disputed this account. Please prosecute them to the fullest extent of the law which they continue to illegally break ruin citizens and residents lives.

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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIR, Law Offices
State: CA

Complaint narrative:
Complaint XXXX XXXX XXXX  Court : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-13 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: AL

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage servicer ( Loancare , LLC, or XXXX XXXX  XXXX, it appears that XXXX is a XXXX of the other ) acquired my loan in XX/XX/2021. Under the terms of my mortgage, the lender requires XXXX XXXX insurance, and pays the premium out of an escrow account ; no other expenses are paid out of escrow. 

Loancare notified me in a letter dated XXXX XXXX ( but received XXXX XXXX ) that they had no record of my XXXX XXXX insurance policy and intended to purchase force-placed insurance on my behalf. This was odd, since the previous lender they bought the mortgage of had been satisfied with the policy. Loancare directed me to a web form to upload my declarations page, which I did on XXXX XXXX. I did not receive the promised confirmation email, so I called them on XXXX XXXX. They had managed to lose my submission, but I got them to call my insurance company and confirm policy details. They confirmed verbally that the policy was sufficient, and then confirmed it in writing in a letter dated XXXX XXXX. 

Meanwhile, around XXXX XXXX, my insurance agency sent Loancare a policy renewal notice for the policy expiring XXXX XXXX. ( They also sent me a copy of the notice. ) So you can imagine my surprise when, in a letter dated XXXX XXXX ( but received XXXX XXXX ), Loancare informed me that my flood hazard insurance had expired, and they intended to purchase force-placed insurance on my behalf. 

I served Loancare with a formal Notice Of Error under XXXX C.F.R. XXXX, insisting that they perform their duties under the terms of the loan and restore my insurance policy using the money they've been collecting for that purpose and that purpose only. Given that the last time I had to go back and forth with them didn't seem to fix the problem, I am not hopeful and am looking into legal counsel, because this sure feels like they're dead-set on selling me insurance. 

Strangely, my XXXX  carrier informed me on XXXX XXXX ( as I was drafting this complaint ) that they received payment from Loancare on XXXX XXXX, which makes this threatening and errant letter from Loancare dated XXXX XXXX all the more suspicious. 

Broadly speaking, Loancare 's left hand does not appear to have any idea what Loancare 's right hand is doing, and I wish I as a consumer had some choice in servicer -- but I don't, since my mortgage can be freely sold. 

Letters threatening to buy force-placed insurance on behalf of a borrower should not be sent lightly.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquiries removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I disputed this with XXXX XXXX and I called the credit company I had Medicare Medicaid and co payment is 0 I should never receive a bill Ive had very sever heath and Im trying to improve my credit to get my own home and this is hurting my credit when I should of never been billed and they said they cant re bill my insurance but my insurance said I shouldnt have to pay the balance and instructed me not to pay my balance I have XXXX XXXX due. My email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint Target XXXX XXXX XXXX  : Creditor : TD BANK XXXX, XXXX. C/O XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated XXXX " XXXX XXXX XXXX XXXX  verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the XXXX days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-04-13 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 loan # 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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Roundpoint reporting the mortgage company had made an error on client 's XXXX XXXX form and that the corrections would be posted by XXXX. At this point I had already filed my taxes through my tax advisor. 

I called and wrote an email asking Roundpoint how and if clients would be compensated for any fee charged by a tax advisor for the amended documents since I had already filed my taxes and since any fee incurred at this point would be a direct result of Roundpoints error. 

On XX/XX/XXXX, I received an email stating that Roundpoint had mailed the corrected form ( as of XX/XX/XXXX it has still not been received, though it is posted on Roundpoints web portal ). I was also finally contacted by Roundpoint and spoke with " XXXX '' of the " customer advocacy department '' who informed me that Roundpoint would not reimburse clients for any fees charged by their tax advisors since we could " file free '' through the IRA. He added that Roundpoint 's only responsibility was to provide the corrected form before the tax deadline. I hired a tax advisor so my taxes could be completed correctly and was now being told by the company that was directly responsible for the problem, that THEIR error ( which is costing me not just money, but time ), is my problem. 

Roundpoints gross miscalculation has also led to my owing money to the IRS which I have to now budget for.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Date- XX/XX/2022 Creditor- velocity investments, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} Total amount owed- {$1600.00} I would like this to go away I never had debt and I did not ever apply to none of these businesses. I don't know what this is but it is not me

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 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocean Lending Home Loans
State: IN

Complaint narrative:
They lied to me regarding my loan modification. I tried to save my house, they took it from me illegally. Help me Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan # 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 2022-04-13 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 loan # 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 2022-04-13 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: NY

Complaint narrative:
In accordance with the F.C.R.A XXXX  account number XXXX violated the law. According to 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions, I did not give anyone 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 2022-04-13 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: WI

Complaint narrative:
i disputed a late payment on. my experian report the dispute was for an XXXX XXXX XXXX account after investigation that took place the same late payments was on my credit report and it is a closed case XX/XX/XXXX XXXX and the case was paid by in full for less the bill. after the exact decision was made my XXXX XXXX dropped XXXX points.

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 2022-04-13 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: CA

Complaint narrative:
I applied for a home mortgage loan yesterday through XXXX XXXX XXXX XXXX. I woke up this morning to XXXX spam text messages and received over XXXX calls from mortgage loan companies. My email was hacked into and my XXXX investment stock account was tried to get hacked into and I believe this is all do to a breach of information. One particular company sent a text message from number XXXX stating an agents name saying she worked at XXXX 's XXXX a wholesale mortgage broker and they got my information from Transunion. I called Transunion and they said they don't sell information or provide information to anyone other than the person being authorized to pull the credit report however I went ahead and called the number on the text message and spoke with someone from the company who stated Transunion sells them my information. I then again called Transunion to informed them of the information told to me by XXXX 's XXXX mortgage broker and they again said they don't sell my information. I want this further investigated as this is no coincidence. Someone is lying and getting a financial benefit from sharing information like mine and it needs to be STOPPED! I

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 2022-04-13 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

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 2022-04-13 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: NY

Complaint narrative:
I recently checked my credit report and I noticed some inquiries from companies that I did not give consent to access my reports, I respectfully demand the removal of these unauthorized inquiries immediately to avoid any confusion as I did not give any form of consent, not written, electronically, in person or over the phone I am fully aware without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 1 ( XXXX XXXX XXXX on XXXX ) # 2 ( XXXX XXXX XXXX on XXXX ) # 3 ( XXXX XXXX XXXX on XXXX # 4 ( XXXX XXXX on XXXX ) # 5 ( XXXX XXXX on XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX Date Opened : XX/XX/2018 Balance : {$160000.00}

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