vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: Conn's, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
XXXX XXXX  XXXX XXXX paid XXXX dollars to Cross Country Mortgage on my behalf in XXXX. Cross Country Mortgage was applying the money as scheduled for my monthly payment. The aforementioned funds was to pay my mortgage from XXXX XXXX. 
Cross Country has me in collections, sending me letters of debt, past due notices, telephone calls, etc. Cross Country Mortgage reported initially they would correct the problem by XX/XX/XXXX. ( The problem began XX/XX/XXXX ). I spoke with several representatives and they reported it can take 45 days. How can they hold the government issued funds and not apply it to my mortgage? This is the second time they made a mistake on my account, The 1st time they use the wrong insurance policy number and my mortgage jumped from XXXX to XXXX. It taken months for them to repair,, and I was receiving threats of foreclosure. Please investigate this company and it practices,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
Please reinvestigate these accounts ASAP!

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 2022-12-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-13 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This company continues to send me letters regarding debt that I do not owe. I have sent the company several letters to Cease & Desist from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
This company continues to contact me after being sent XXXX & XXXX letter.

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 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD

Complaint narrative:
I filed XXXX bankruptcy in XX/XX/XXXX due to XXXX XXXX in my mortgage payments. I completed a XXXX XXXX  that was eventually denied by XXXX. To date my XXXX XXXX  are current ( {$500.00} ) bi-weekly. Now XXXX has filed a default indicating I am in default. I have less than a year and my bankruptcy plan will be XXXX in XX/XX/XXXX. XXXX now has filed a default in court that have not made all my payments as required. The last XXXX  months ( XXXX, XXXX & XXXX ) I received mortgage statements other than that I have received none since the filing of XXXX. The mortgage balance has been the same ( XXXX ). The statements show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet quickly I am in XXXX and XXXX XXXXXXXX. This company has XXXX me to attempt to XXXX  at a time when I should not have to. Their records are totally wrong and there needs to be an investigation. I have XXXX  my home for XXXX years. The XXXX XXXX of the mortgage XXXX was {$37000.00} yet XXXX is {$25000.00}. There are no records of payments received. I am filing this complaint as I am totally disgusted with this company and the handling of my mortgage account XXXX. Please help me to locate all the payments made to this account and keep my home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am in the process of getting approved for a mortgage. I was informed by a mortgage broker on the XXXX of XXXX that I had a freeze on Experian that looks like it was frozen on the XXXX of XXXX. I did not place the freeze. 

I tried contacting Experian to find out why I had a freeze on the XXXX after finding out from the broker that there was a freeze. Experian 's phone service is abysmal. There is no way to talk to a human and their automated help could not answer my question. I finally emailed them, but their response did not answer the question of why I had a freeze and kept answering questions that I did not ask and dodged the question I did ask. They say I can't talk to a human either. 

I just want to know why my credit was frozen and if I should have any concern it is frozen without me requesting it. 

Note that I did unfreeze the account on the XXXX after creating an account on their website which I did not want to do, but was forced to do.

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 2022-12-13 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: NJ

Complaint narrative:
on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, 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 explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
NewRez LLC c/o Shellpoint Mortgage Servicing has been receiving my payment via " billpay '' through my financial institution for years. I have the automatic payment set to pay every XXXX for the payment due on the following XXXX. On XX/XX/XXXX my payment of {$2200.00} shows as the normal ACH withdrawal to Shellpoint Mortgage on my bank statement. On XX/XX/XXXX my bank statement shows {$2200.00} deposited back into my account from Shellpoint Mortgage. Phone call is made to NewRez customer service... they claim no payment was made for the XXXX due.. I do some more investigating in the " history '' of the " billpay '' and it just shows that the " transaction failed '' ( lots of money in the account to cover the transaction- that is not the problem ). Go to the Credit Union to try and find out what is going on. They investigate and say the only thing they can figure out is that the account # for the mortgage must have changed. Call back to NewRez customer service ... .No the account # did not change -- -but the mailing address did. I explained that I can not change the mailing address in " billpay '' because the " payee has a relationship with billpay to provide that information ''. Customer service did say they had been getting a lot of calls over this issue. 

I mailed a check to the new address XX/XX/XXXX for {$2200.00} and it is credited to my account on XX/XX/XXXX. I received a XXXX showing that payment with {$360.00} going to interest, {$570.00} to Escrow I had set an additional " billpay '' to go out XX/XX/XXXX ( to check NewRez/ Shellpoint got the issue corrected ) as I don't have an issue with making extra payment, and left my normal payment set for the XXXX of each month. 
A check from billpay cleared ( not the normal ACH ) XX/XX/XXXX and XX/XX/XXXX both in the amount of {$2200.00}. XXXX dated XX/XX/XXXX shows those payments as {$710.00} in interest, and {$1100.00} going to XXXX XXXX???? I just had a payment clear on XX/XX/XXXX and they come up with {$710.00} in interest -- -no late payments, 4.375 % interest. I just ran calculations and taking out the full Escrow that they did ( which they should not have ) we are at a difference of {$520.00} in interest that they overcharged me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/22, I was contacted around XXXX via text with a message mirroring a typical Chase fraud alert, asking if I was trying to make a XXXX purchase. I replied " No '' to that message as shown in the screenshot attached. 

Immediately upon my reply, I received a phone call from the Chase customer service line that I've memorized since college 14 years ago ( see attached phone record ). I trusted the agent on the line because of the number from which they called. 

They pretended to be investigating my fraud case and asked me for personnel details. They used these details to access my Chase account. 

After the agent hung up the phone abruptly. I check my account. The " agent '' had transferred {$1000.00} from account XXXX to account XXXX. Then proceeded to fraudulently send a XXXX payment to themselves in the amount of {$500.00}. 

I then contacted Chase 's actual fraud department and reported this. After being transferred 3 times, I was told that they would send a reversal request to the other bank to see if it would be approved. I was then advised to call back in 10 days. 

I suspect that no action was taken by Chase and this was an attempt to disregard the matter. I sent chase a letter requesting my funds be returned to my account as consumers should receive protections from fraudulent activity. 

In response to my letter. I received the attached chase letter stating that no action will be taken to resolve my inquiry. 

My desired resolution is that chase will immediately credit the {$500.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-13 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: Grain Technology, Inc.
State: PA

Complaint narrative:
I had problems in the past wuth this company. The company is so hard to reach that you cant even talk to a direct person ever. You send an email they reply weeks or even months later. They app platform is always down. So for the past month i had issues with logging into my account & the issue was addressed but not fixed. So far as my payment dates & what i had to pay was communicated through email!!! I recieved an email that my payment date was coming up XX/XX/XXXX and the minimum to pay was {$29.00} which i exactly paid! The supporting documents are below. I then recieved an email stating my acc is days late & not current! Which is a lie not to mention my XXXX payment was reported on time which reported my acc as current. I tried talking to someone & also reported no help was done!!! I am not happy with my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Mortgage Assistance application and XXXX were recently submitted to Fay Servicing XXXX. Foreclosure sale date for XXXX XXXX, XXXX received letter from attorney. Request foreclosure sale canceled till processing of mortgage assistance application is complete. Spoke with XXXX ID # XXXX Fay Servicing XXXX she said because me refused the previous modification there would not be any foreclosure protections for me. Fay Servicing documents I received was dated XX/XX/XXXX. I did not receive documents until XXXX. Documents required me to accept the offer by XXXX XXXX, XXXX XXXX Trial payment was due XX/XX/XXXX. Called Fay Servicing XXXX XXXX. XXXX customer service they stated they did not know why the documents were not mailed to me. There is a problem with Fay Servicing, servicing my loan and the modification documents. I am requesting property foreclosure sale be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via Credit Card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo 's 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