vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
For approximately three years, I have submitted required information to XXXX XXXX for a loan modification from XXXX XXXX and the company has denied my request. In response to instructions from XXXX XXXX, I paid for a Broker Price Opinion and the Broker Price Opinion 's was higher than what XXXX XXXX initially said. XXXX XXXX still has the lower valuation noted on my account and again, denied my loan modification. 


Therefore my complaints against XXXX XXXX are the fee I paid for the Broker Price Opinion, failure to review my loss mitigation options within 30 days and the misrepresentation of my property valuation, my payment history and the pay-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX contains a billing error. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

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 2022-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX contains a billing error. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am getting denied when I apply places and it says " unable to verify identity '', using information I know without a doubt is correct. When I try to log into Transunion, it says unable to verify security freeze. When I try to go to alerts it says it can not show anything at this time. When I requested a free annual credit report they said unable to verify identity. When I reset my password and logged in it won't let me perform any actions, such as initiate a dispute. 

It seems like something is severely wrong with my profile leaving me unable to access my credit report. Unfortunately there is no way to properly communicate or resolve this when they can't verify it.

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 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This company is reporting negative information on my consumer report causing distress in my life. The company needs to properly send me information to verify the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer 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 2022-01-23 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Dear XXXX  XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: OK

Complaint narrative:
Dear XXXX  XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer 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 non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express cancelled my card, and denied my request to be reinstated. I sent a few requests to have my credit limit increases and was denied also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 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: MI

Complaint narrative:
Experian is reporting false information regarding my address and the year of my car loan which is causing me to have issues upon verifying with a creditor.

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 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. ordered an interior inspection of my property, denied my request and stated the following : SPS is required to service its accounts according to the requirements of the Noteholder and full payoff is required on the account. 

As a result, I forwarded my reasonable accommodation request to the Noteholder and below is the Noteholder 's response : I am writing in response to your email addressed to Executive management at XXXX Bank, concerning a mortgage with Select Portfolio Servicing. Your correspondence was passed along to me for response. 

XXXX Bank acts as a Trustee on behalf of many trusts which hold various real estate, but we do not have any specific information about individual properties and we are not involved in the decision making process regarding any real estate. In our capacity as Trustee we do not have an economic or beneficial interest in the loans and we have no authority to manage or otherwise take action on the loans ; this includes requests for loan assistance, modification and the like. All questions should be directed to the servicer of the property. 

The servicer of the property, Select Portfolio Servicing IncXXXX ( SPS ), is the party with authority to address the issues described in your email. Upon receipt of your email, we immediately forwarded the information to SPS. A response directly from SPS may come under separate cover. In the event you have additional questions related to this matter, please feel free to contact SPS. Their contact information is as follows : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to XXXX XXXX XXXX XXXX XXXX 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 2022-01-23 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: Westlake Services, LLC
State: FL

Complaint narrative:
I originally had an auto loan for a XXXX XXXX with Westlake Financial Services which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from Westlake Financial due to the vehicle having been declared a total loss. Westlake received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, Westlake failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff Westlake provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX Westlake reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, Westlake charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CA

Complaint narrative:
Company reporting wrong information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I received a prelegal notice from Midland Credit Management that I have a debt of at XXXX XXXX XXXX. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. 
For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. 
Therefore, it is obvious that my identity is stolen and used here. 
In this circumstances, I would like to request your help to stop this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
They called XXXX XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ MERCHANTS CREDIT GUIDE ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: PA

Complaint narrative:
I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, XXXX, and Equifax. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: PA

Complaint narrative:
I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, Experian, and XXXX. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.

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