vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
incorrect amount, incorrect high balance incorrect last activity incorrect last payment date

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 2022-10-04 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: TX

Complaint narrative:
XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX  XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. 
XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. 

I am asking XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
To whom it may concern I have my escrow account with my mortgage provider. In XXXX, Freedom mortgage purchased my mortgage and assumed all responsibilities. Freedom mortgage failed to pay my flood insurance, at a cost of {$690.00}. The company then failed to notify me, call or email me, or send the payment so I can make it. As a result, my flood insurance has expired and I had to find out right before hurricane Ian hit. As of now, the 2 insurance quotes I have are {$1800.00} through XXXX ( previous insurer ) and {$1400.00} through XXXX, which is more than double my premium. 

This is completely Freedoms fault since they hold a fully funded escrow account and failed to make the payment. Therefore, I am seeking the following relief : 1 ) Freedom mortgage to purchase my flood insurance, as is its responsibility. Any increase in quote above {$690.00} will be paid by them. 

And 2 ) Future increases of more than 20 % will be handled by the mortgage company, even if mortgage is sold to a different company. The responsibility will transfer. 

Or 3 ) Refund me the charge for Escrow ( at closing ) and send me back my account and Ill handle mu finances. 

And 4 ) Refund me all the months that Freedom left me exposed. 


Freedom has grossly mishandled my situation, failed to reasonably inform me back in XXXX ( I could have paid {$690.00} ) and continues to not be responsible. They need to be held accountable for their lack of action. 

Thank you 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 2022-10-04 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: CA

Complaint narrative:
incorrect date opened, incorrect date of last activity

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 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: CT

Complaint narrative:
Note that this complaint is related to complaint # XXXX On XX/XX/XXXX, my wife paid her car loan from our joint account with XXXX XXXX XXXX XXXX XXXX which recently bought out our bank her in Connecticut ( XXXX XXXXXXXX XXXX  XXXX XXXX She used the new bill pay app from XXXX XXXX XXXX The old app added the decimal point to the left of the last two digits input, the XXXX XXXX XXXX  app added the decimal point at the end of the digits input. This caused an overpayment to Carmax our loan company of {$57000.00} on a payment that should have been {$570.00}. 

XXXX XXXX XXXX XXXX never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to Carmax to get our money back. 

We spoke with Carmax representatives in the afternoon of XX/XX/2022 and eventually spoke with XXXX at XXXX and he told us that the reimbursement would be a check that would be sent out within 6 business days. We were quite relieved. However at the end of eight business days ( XX/XX/XXXX ), when we called to follow up, the reimbursement process had not even started yet. XXXX stated that Carmax had to wait 10 business days in case the bank reversed the payment. In our previous conversation there was no discussion of waiting an additional 10 days. Further as the bank says, an ACH payment is available immediately to the recipient. 

My question here is, which is it? You can't say its available immediately and there's nothing you can do from the bank side, and also say that you have to wait 10 days because the bank might reverse it. Someone is either misinformed or lying. In the meanwhile, {$41000.00} ( the amount difference between what we paid and what we owed on the car ) of our money is tied up and unavailable to us. Why were we not told of the additional 10 day " hold '' on our money to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: OH

Complaint narrative:
I've called Netspend numerous times about multiple deposits missing out of my account.They refuse to look up the ACH ID TRACE NUMBERS for these missing deposits.XXXX XXXXXXXX I've called them for missing deposits and Today XX/XX/XXXX I've also called them for more missing deposits.How am I going to get my money back?

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 2022-10-04 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX to be blocked based upon attached id theft report. Also requesting items to be deleted but BLOCKED if not deleted. These accounts have been blocked and deleted in past. Please see prior to XX/XX/2021 the items were BLOCKED but when my credit reports were merged it some how brought it back. Confirmation number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I transferred {$1400.00} through XXXX on Chase app to a stranger`s XXXX account XXXX, because this recipient friended me through a second-hand-stuff deal group on XXXX and claimed to exchange currency with me, but the recipient didn`t send the money back. The scammer blocked me and I only know his XXXX account, which is very easy for XXXX and Chase bank to investigate. The transfer status showed " Pending '' on Chase app for 24 hours and it was debited from my checking account. I called Chase 4 hours before the pending ends and I trusted the bank to be able to define the transfer as unauthorized transfer according to Regulation E, and the assistant said he would freeze my transfer and investigate the recipient. On XX/XX/2022, I received the bank statement and found that the bank didn`t freeze my transfer and he only froze my online access for 10 days. I called the Chase again, then another assistant said Chase wouldn`t do anything or investigate the recipient only because XXXX was a real-time transfer tool. I required Chase to investigate the recipient and provide the recipient information to the police and this requirement was not replied properly in that phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Double Diamond-Delaware, Inc.
State: TX

Complaint narrative:
XXXX XXXX and United Equity Mortgage Corporation are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: AZ

Complaint narrative:
How was each inquiry validated? What signed papers did you receive? What proof was given?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
This will be my second complaint against XXXX XXXX. My previous one Ref # XXXX almost caused me to lose my house due to their negligence and non willingness to help me. I'm writing this complaint because now they are trying to charge me a " Foreclosure Appraisal Fee '' for XXXX XXXX In their response to my previous complaint they said - " Finally, as a commitment to highest standards of customer satisfaction, the foreclosure action was cancelled and all foreclosure related fees and/or costs and property inspection fees will be waived. '' Why are they trying to sneak in fees that they caused themselves? If I didn't check my statement I would have paid this astronomical fee for no reason. I want to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FL

Complaint narrative:
I just saw the response from Transunion regarding a previous account dispute. XXXX removed the information as they received the documents pertaining to fraud. XXXX XXXX IS A FRAUD ACCOUNT AND IS NOT MINE. THAT BALANCE OF {$11000.00} BELONGS TO SOMEONE ELSE, I WOULD HAVE PROVIDED FEEDBACK MUCH SOONER IF I SAW THE RESPONSE SOONER. XXXX XXXX WITH THE ACCOUNT THAT HAS A CHARGE OFF OF {$11000.00} NEEDS TO BE REMOVED. NOT ONLY DO THE POLICE REPORTS SHOW IT IS FRAUD THE AFFIDAVIT SHOWS FRAUD EVERY DOCUMENT I HAD TO SIGN AND SEND IN SHOWS FRAUD. MY IDENTITY REFLECTS OTHER INDIVIDUALS THAT ARE POPPING UP ON THE DARK WEB. THOSE NAMES OF THE INDIVIDUALS HAVE BEEN PROVIDED AS THE POSSIBLE SUSPECTS. I AM THE VICTIM. REMOVE THE XXXX XXXX ACCOUNT FROM MY REPORT OR MY NEXT ACTION IS TO UTULIZE MY MEMBER BENEFITS THAT I PAY FOR LEGAL ACTION AGAINST TRANSUNION. I SPOKE TO THE COMPANY MYSELF AND YOU KNOW WHAT THEY ARE BASING THE VERIFIED INFORMATION OFF OF? THAT A LETTER WAS MAILED TO MY HOME. THAT IS NOT SUFFICENT EFFIDENCE TO SAY ITS VERIFIED. PLEASE REMOVE THE XXXX  XXXX ACCOUNT FROM MY REPORT AS FRAUD RELATED. IF YOU NEED ANY FURTHER DOCUMENTS I WILL BE MORE THEN HAPPY TO PROVIDE THEM. THANK YOU

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 

XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 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 2022-10-04 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-04 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Customer paid me for services rendered with a counter check. Wells Fargo placed the check on hold because it couldnt supposedly verify the account. I checked with customer the next day and he showed me a screen shot of the check clearing his bank. Wells Fargo will still not release the funds into my account after the check had cleared. I called Wells Fargo and they refuse to take the hold off my deposit. I was furious! The check has cleared my customers account and I want my money that belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX purchased my account from Cash Central. I took out several online loans through Cash Central and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from Cashcentral.com 's website which show that none of my loans are past due and I owe nothing. 

XXXX XXXX XXXX has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide one XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: PA

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 7 months to no available. I have been disputing this/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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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