vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS Mortgage is FRADULENTLY charging Consumers false and made up charges and then providing FALSE reports they make up but provide no proof of any payments made on behalf of the properties. 

I made a prior report CFPB Report XXXX and they provided a report THEY, SLS did allegedly in XXXX to PRESERVE any Property and the area and pictures are NOT EVEN my building or property. The pictures they attached of the alleged property they charged a Property Preservation fee which was NOT required in XX/XX/XXXX was NOT EVEN MY PROPERTY, not a single picture is my condo. 

They further alleged they made payments required by City of XXXX which City of XXXX has no record of on my specific property and the City further stated that anytime any agency makes a payment a detailed receipt is provided via confirmation of e-mail and they have tracking or receipt numbers to which SLS refuses to provide and states they have none. 

Spoke to XXXX XXXX the Loan Originator and they do not have ANY RECORD of fees from or for SLS and they claim they DID NOT INSTRUCT or pay or charge SLS neither the {$200.00} in XXXX nor the {$75.00} in XXXX. 

I have contacted a Class action attorney and hopefully with CFPB we can get consumers rights from continually being violated by such deceptive and fraudulent companies like SLS Mortgage Services.

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 2023-03-14 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: AL

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 to any consumer reporting agency if the person knows 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 2023-03-14 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: AL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 explanation
Consumer complaint received 2023-03-14 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: CT

Complaint narrative:
I have alerts on my credit report that prevent unauthorized requests hard and soft. Ive had it for over 6 years. My Credit report shows no delinquency in the past 6 plus years, no charge offs, however within the last 2 years have been denied consumer credit services by Equifaxs reporting information as having the following : Key factors that affected your credit score were as follows : Key Factor 1 SERIOUS DELINQUENCY Key Factor 2 % OF BALANCE TO CREDIT LIMIT TOO HIGH ON REVOLVING ACCOUNTS Key Factor 3 PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH Key Factor 4 NUMBER OF ACCOUNTS WITH DELINQUENCY Because 3 out of the 4 factors were alarming and a shock, I checked all credit reports agency for to verify - Loans, I only have 1 active car loan and its reported as paid and on time ; I have Student Loans which are under PLSR but deferred because Im actively in school ; the consumer credit cards that are actively open are all paid and on time and have not delinquent for over 6 years. Theres no option to dispute credit discrimination other than using this outside source. Equixfax only offers dispute of what is currently showing on the credit report and not what they are basing their decision on. If the decision is based on the facts above ; this is inaccurate and i would like for them to provide proof of the said factors used to deny. For the purpose of repairing my credit, I have limited and I enacted financial responsibility to assist in rebuilding and repairing my credit worthiness for 6 years plus time. I believe this is credit discrimination. 

There is no reason for said response to consumer credit requests to be a denial based on the factors they listed other than the factor listed as proportion of loan balances to loan amounts to high. 

This isnt the first incident that this has occurred this is just the final incident that has caused reasonable suspicion that financial discrimination is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-03-14 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 is reporting incorrect unverified incorrect information on my credit report i have requested several investigations into the correction of the incorrect information on my report but the issue still hasn't been investigated properly or corrected and was previously claimed to be verified the Bankruptcy through XXXX i recently obtained a copy of my XXXX report both verified and non-verified which shows no Bankruptcy being reported so i am requesting an investigation to have the issue corrected

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 2023-03-14 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: AL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
collections that i am not aware of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX  : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I filed for a XXXX  XXXX Bankruptcy back in XXXX and included a Navy Federal credit card with a XXXX balance. The credit card was included and discharged in the XXXX XXXX bankruptcy. Since the bankruptcy, Navy Federal has continued to try and collect the credit card balance and continues to put the balance on my credit reports, as an owing debt in order to harass, and lower my credit score. This harassment has been ongoing since XXXX and I was finally informed to contact this agency for assistance. This debt is also over seven ( 7 ) years old ( no payment over 10 years ), and they continue to put it on all three ( 3 ) credit reports to abuse, harass, and destroy my credit. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading Equifax, XXXX and XXXX are engaging in racketeering activities by way of conspiring with XXXXXXXX XXXX to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed a claim with the Bank of America related to unauthorized claims that were made against my government benefits card back in XXXX to XXXX. The following transactions are connected to the transactions that I filed : Dispute number : XXXX amount {$1800.00} Dispute number : XXXX amount {$1000.00} Dispute number XXXX amount {$1800.00} The transactions have been investigated since XXXX. I filed these claims and I was misinformed that they were closed. As of the date and time of this complaint, I am on the phone with a representative from the bank and he says that the claims are still being investigated with no resolution. I am requesting the agency look into this.

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 monetary relief
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.

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 2023-03-14 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: GA

Complaint narrative:
15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.

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 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have informed them I am not liable for charges billed when I had insurance in place that should of fulfilled the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I sent a complaint on XX/XX/2020 regarding a debt that PDQ says I had with them. I sent PDQ Services requesting proper validation of debt. I have not received proper proof that I am indeed the party they are asking to pay this debt and there is some contractual obligation, which is binding on me to pay this debt. I didn't have any knowledge of this debt and they are collecting on something I never agreed to ever pay. I have sent the XXXX another compliant about there predatory practices. Delete this account immediately from my transunion credit report because XXXX and XXXX  has done so or I will file a lawsuit because they are still violating the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
My wife, son, and I have lived in our house at XXXX XXXX XXXX XXXX, VA for 20 years. The past 7 years have been a downward spiral as far as finances, so I filed for Bankruptcy. The bankruptcy was dismissed and I contacted my lender, Rocket Mortgage ( RM ), and requested help. RM agreed and restructured my loan on a trial basis. I paid XXXX payment and asked RM if I may enroll in auto-pay straight out of my bank account. RM set it up, and I was on my way to rebuilding our lives. I placed money in the account so it will always be paid. In XXXX, I checked to see how much I needed to add to my RM account and noticed they never took XXXX or XXXX payments. I contacted RM and inquired if they were restructuring again. I was hoping they realized the high rate I was paying was too high, but RM explained they wrote down my account # incorrectly. We got everything straightened out, or so I thought. XX/XX/, XXXX  RM auctioned off my house without warning. No mail, no email, no phone call. now RM say sorry, There is nothing they can do now. They can very easily take our home of 20 years, but can not tear up auction papers. In fact part of my downfall started when I refinanced with RM and XXXX XXXX stated I will PMI, which I didn't want. XXXX explained do not worry about it, just call me back after one year and you can have it removed. When I did that, RM explained it never works like that. My mortgage was more expensive that ever. I will make my last two payments since they did not take it out originally. A representative almost allowed me to do that yesterday, but like always, put me on hold only to come back to me with a solemn tone of indifference. I am a good man who had a rough time with family XXXX  and finances off the chart, but now I am rebuilding only to be kicked back down. Please listen and give me a chance. After all, I was doing the right thing and Rocket Mortgage 's mistake has cost me everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The late payments need to be deleted from my account as they are not valid or legal. The errors were made by XXXX XXXX and Capital One failing to notify me in advance that Capital One refused to honor the XXXX XXXX  program. The contract indicating the credit card payments and accounts were transferred to a third-party company. Additionally, Capital One customer service advised me to file a dispute and the late payments would be removed from my credit. This has still not happened and needs to be corrected immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
Applied to open a new Savings Connect account with CIT bank on XX/XX/23. My application was declined within a day. My credit score is excellent. I have a steady income, full time job that pays well etc.

I am not used to getting my applications declined.

I tried to get them provide an explanation, but was not successful.

I still can not wrap my head around it, and I believe I deserve an explanation.

Company response to consumer: Closed with explanation