vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-01 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: NJ

Complaint narrative:
I checked my credit report there are lots of accounts I did not recognize

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 2023-05-01 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: NJ

Complaint narrative:
I checked my credit report there are lots of accounts I did not recognize

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 2023-05-01 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: FL

Complaint narrative:
Disputed with XXXX  for an XXXX and XXXX XXXX XXXX XXXX on XX/XX/23. Company received my disputes on XX/XX/23 as it shows according to the certified mail. It is now XX/XX/23 and I've yet to hear back from the company with a solution. The company agreed to remove from credit report but did not keep agreement after receiving payment. The FCRA gives the company 30 days to respond, I have not gotten a response. I've contacted the company multiple times via phone and certified mail.

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 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have been trying to sell the property. I learned today that the Mortgage company once again has sent in there preservation company to cut the locks on the property and leave it open. They did this in 2021. I called them and they referred me to XXXX XXXX XXXX I've called the company and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX  I signed on to my mortgage lenders site to make a payment. At that time the payment was accurate and as expected based on what I owed. When I logged in the very next day they were showing an amount due to that was over {$200.00} more than what my normal payment is. The payment went from approximately {$1800.00} to {$2100.00}. At first I thought it was a glitch, so I logged on again today and saw again that the payment indeed was showing as {$2100.00}. My taxes and homeowners insurance didn't increase by over {$2400.00} for the year, so I couldn't understand why the payment would have gone up so much. So I called them today ( Monday XX/XX/XXXX ). They said that they put a new requirement in place where they wanted all of the escrow upfront to pay taxes and insurance. And that since I didn't have it all upfront the extra monthly amount was to catch up to that amount. I was never given notice of this change, nor time to adjust and figure this out in my budget. I just received a new bill. I've been with them for over 5 years and I've never had this happen before and it appears to be unfair to just raise someone's mortgage payment without even giving any kind of notice or options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I called Mr. Cooper, my loan servicer on my mortgage loan, regarding dropping my mortgage insurance the week of XX/XX/XXXX. I was told by their representative ( they record their conversations ) that if I waited until I hit the two year mark then I would not need to disclose all the substantial improvements we have made to the home. We have spent approximately {$60000.00} on two new bathrooms, new floors, fixtures, countertops, etc. Rather than dig out all my old banking records she encouraged me that the process would be easier in two weeks. I called Mr. Cooper today, two years and one day from my original mortgage note of XX/XX/XXXX and was told now that I am one day over the two year mark, I now have to obtain 65 % loan to value instead of 80 % I would have needed two weeks ago. Now they are telling me that there is nothing they can do as these are XXXX XXXX regulations. Had I not called my loan servicer and been misled I would agree with them. However, I called them looking to obtain their process to drop my mortgage insurance and was told since I was under 2 years I would need to provide all of the information regarding all the improvements but if I just waited two weeks then this wouldn't be necessary. Their answer was misleading they should have finished with " but be aware if you wait you will now be required to get to 65 % instead of 80 % ''. My mortgage insurance is {$150.00} per month. Their misleading information and encouragement to wait ( I'm guessing the individual I spoke with didn't want to take the time to go over my improvements ) will cost me an extra {$9900.00} over the next 5 years which is when you get to the next loan to value tier. I asked to speak to a supervisor and they claim she will call me but nothing we can do except to say we are sorry their representative didn't give me the correct information. In other words, it's okay to lie or just say you are sorry that their representative gave me misleading information but it's XXXX XXXX rules nothing they can do now. Unethical and unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reliable Home Lenders, LLC
State: GA

Complaint narrative:
On XX/XX/2023, I received a TEXT MESSAGE on my phone, stating - - " Hey XXXX- this is XXXX XXXX over at Reliable Home Lenders. Thanks for submitting your info to get pre-approved. Do you prefer text or a quick call? '' I have not applied for a Mortgage in the last 3 years, and certainly not today. I contacted XXXX XXXX at Reliable Home Loans via email at XXXX. My email asked for the information associated with the " pre-approval application '' and I informed her that I did not complete any application. After some back and forth, she stated - " No reason to be concerned. I am working with a new real estate team that has used XXXX for a bit. They provided my team with a list of leads and I didnt realize the leads were dated. '' - - - - WELL, there are a couple of problems - the first, they are violating the CAN-SPAM ACT by soliciting me through a list they received from a third party without my opting in. Secondly, they are misleading people into thinking that an application was filled out in their name- which is cause for alarm and now I am spending time and resources doing a credit check, etc to make sure I have not been subject to any identity theft. 

Additionally, I have asked her for copies of the information submitted to her and the name of the real estate agent, which she refuses to provide to me. 

This is the epitome of bad business and bad ethics. Seems like some type of license law violation - and if it isn't, it should be. This is the type of activity that should be specifically forbidden and is frustrating, at the least. 

I want to know what actions can be taken by your agency to prevent these actions from occurring again. This agent is also likely misleading others since she is blindly messaging people she obtained from some random real estate agent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I have paid my mortgage using 2 separate checks from 2 separate bank accounts for years without issue. Round Point mortgage starting servicing my account a few months ago. The refuse to apply my payments. They have my loan listed as past due. They are charging late fees. The due date is the XXXX of each month. The full payment has been in their hands by the XXXX of each month but they refuse to apply it. I've spend more than 1 hour on the phone trying to fix the issue.

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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MD

Complaint narrative:
On XXXX I contacted XXXX to dispute XXXX fraudulent collection accounts under my name that are currently affecting my credit score negatively. Those accounts are not mine and I have not inquire services from those companies. I also contacted the collection agency AFNI , INC, to report the accounts and remove it from my files. They created a report and communicated that they will contact XXXX, mobility to report the account that currently owes {$2300.00} and urged me to contact XXXX as well, and so I did. I have also contacted XXXX XXXX to report the fraudulent account that currently owes {$5100.00}. 
In the past I have been a victim of identity theft and have had multiple fraudulent accounts opened under my name. I have tried getting a police report for this and they stated that because there was no physical damage or visible crime, they were unable to provide a report. Therefore, I am requesting assistance and would like to issue a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX representative for XXXX XXXX All Rights Reserved UCC 1-308 Re : Defamation of Character notice SANTANDER CONSUMER USA account # XXXX You are using Color of Law to collect, publicize, furnish, share, disclose and report inaccurate information about me as defined by 15 USC 1681a ( q ) ( 3 ).

These actions are depriving me of my right to contract. In addition to the credit extension deprivation, I have also missed and continue to miss a substantial amount of work which has resulted in me incurring and ongoing loss of wages. 

My previous communications have been, neglected and outright mishandled. After reviewing my records it was discovered that there has never been a fair or equal consideration of value in this matter. I hereby demand my vehicle be reported as paid off, my title delivered via mail, and the release of all my funds paid, including interest accrued in regards the the vehicle under previously stated account. 

Failure to comply or properly respond to this notice will serve as your reluctant agreement to the statements made herein this notice, your agreement to FULL liability for any injuries caused, criminal prosecution and will absolutely result in further legal action being taken against you. It is not the burden of the consumer to further prove legal validity of TILA rescission once the complaint was not responded to in a legally timely manner. 

It has also come the the administrative and legal counsels attention that you have been erroneously and illegally acting as administer over his account that belongs to the administrator XXXX XXXX the legal holder of this account. Because you failed to disclose all the terms of agreement ( the word you mention in this correspondence in all its variations is referring to SANTANDER CONSUMER USA and its associates ), youre serving in the capacity of anything other than fiduciary/trustee is hereby terminated forth with and henceforth. 

Under the Federal Debt Collection Practices Act, I now exercise my legal right to challenge the validity of this debt your agency claims I owe. 

I declare under the laws of XXXX that in the before mentioned statement of facts is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I'm a former tenant at The XXXX of XXXX XXXX and moved in XXXX of XXXX. I put in a 60 day notice and my lease ended XX/XX/XXXX. I actually moved on XX/XX/XXXX and paid the full month 's rent as expected. The apartment keys were returned when I moved out. I was a great tenant who always paid on time and only made a few maintenance requests while living there. The dire being when a piece of the bookcase shelving fell in and rained in my apartment and was never fixed before moving out ( this happened months before the end of my lease ). 

I started receiving calls from a debt collection company ( XXXX XXXX XXXX ) because my account was turned over to them. I went to XXXX XXXX XXXX XXXXXXXX XXXX to have this resolved and received a printout and was told to contact the person over billing ( XXXX XXXX ) on the following Monday. After doing so through email I received an attachment that contradicts the original printout ( please see attachments ). I don't believe that this is good business practice to try to cheat someone out of their hard-earned money so I chose to come directly to you with this issue since the apartment management wouldn't resolve it. I've worked for years to achieve excellent credit in order to achieve a home loan and then this happens to me. The collection agency nor the apartment complex is seeing the issue. 

Attached you will find ; Residential ledger from XXXX XXXX XXXX XXXXXXXX XXXX ( I've highlighted payments ). 
Print out of payment directly from creditor. 
Move-in statement from XXXX XXXX XXXX stating when my new lease started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.

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 2023-05-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am having issues with Equifax and XXXX regarding my credit score. 

My credit score with Equifax and XXXX dropped XXXX points from XX/XX/XXXX to XXXXXX/XX/XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from Equifax and XXXX what new information caused them to drop XXXX points with XXXX success. 

XX/XX/XXXX and XXXX, both have me rated between XXXX and XXXX, which is where I was with Equifax and XXXX until they decided to lower my score XXXX points and can not explain to me why... 

Equifax and XXXX are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.

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 2023-05-01 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: IL

Complaint narrative:
credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I was contacted by MRS BPO , LLC via text messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to contact them about a XXXX debt. 

I never received any written information about the debt. I am caring for my XXXX mother that been hospitalized since XX/XX/XXXX. I am her only caregiver. My only sibling passed away in XXXX. 

I have been texted from XXXX, XXXX, XXXX, and XXXX to call XXXX regarding a matter for XXXX XXXX. On XX/XX/XXXX I received an alert from my bank and was told that I have a delinquency in collections on my account from XXXX that caused my XXXX score to drop XXXX points. 

I contact XXXX and could not get a live person. The automated system would drop my call. I then contacted XXXX and they said the information was with the collection agency. I was given XXXX and the number connected me to an answering service for XXXX XXXX which has no information about my XXXX account. 

On Friday XX/XX/XXXX I was able to get in touch with a live agent that then transferred me to XXXX XXXX XXXX. XXXX XXXX had called me once before and I made good faith payment. I told him that I was not able to talk and requested a call back which I never received about two weeks ago. After speaking to XXXX XXXX on Friday he was argumentative and unwilling to send me my information in writing. Stating that he could not send anything in writing because he did not want to make any promises that when I pay off the debt I can receive written documents. I am trying to regain my good XXXX score that I've been diligently working on. 

XXXX XXXX sent my account to collections in less than 30 days. I had made a good faith payment and wanted to resolve the matter so it would not affect my good XXXX  score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation