vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: MS

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 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.

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 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage failed to give me 45 days notice period to purchase wind insurance. As per federal law, United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. After 45 days they can apply a Forced Lender Insurance. 45 days never passed before they rushed into applying a Lender Forced Insurance, moreover was immediately applied in violation with the Federal Law. They have purchased insurance and charged my escrow account in violation with the Federal Law that is published on CFPB website.

This wind insurance charge was applied to my Escrow Account for unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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:
Good morning... I have written XXXX  and XXXX multiple times letting them know that i believed that there is a bankruptcy on my credit report reporting inaccurately..they investigate and nothing changes it is still reporting inaccurate information... i wrote the court directly and they stated that the information being reported on my credit report is incorrect, ,i have attached a copy of the letter and a copy of my credit report as proof

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover card sent a demand letter for me to use my credit card or they would close my account. I had no need to use this card before the time period demanded by Discover, so they forcibly closed my account while submitting this disparaging process to the credit reporting bureaus XXXX, XXXX, and XXXX where they reacted by penalizing me by deducting XXXX points from my credit score. When I called them to dispute this process they simply sent me a form letter supporting their purposeful retaliatory process. I believe they know they have the potential to destroy an individual 's credit history and they use this as a negotiable factor to demand use of their credit card which should be considered a criminal act. The attached file shows my credit score before Discover disparaged my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Hello, I purchased a generator on XXXX for {$250.00} on XX/XX/2022 and paid through PayPal. 
The package was delivered on XXXX, XXXX. The problem is it wasn't delivered to my address. I contacted the seller right away and they agreed it was shipped to the wrong address and last name, but the same city. Street address doesn't appear on the tracking information. 
They promised to solve the problem with XXXX, to ship another generator, but didn't do any of that. 
Another thing is weight of the package, according to XXXX, is XXXXXXXX XXXX. Ordered generator is XXXXXXXX XXXX. 
I have opened a dispute on PayPal, but it was closed immediately after they contacted XXXX, because the package is marked as delivered. Their online representative didn't help at all. I can not appeal. 
However, I don't receive anything. Contacted XXXX online and their representative confirmed that the package was shipped to the completely different address. 
Screen shots of the chat with XXXX agents, reply from the shipper and tracking information with weight of the package and the wrong last name are attached. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: AZ

Complaint narrative:
DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to do so by sending them letters through certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I received no response from them the entire time. 

I sent them a CONDITIONAL ACCEPTANCE, in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I have attached all the letters I have sent as well as the domestic return receipts, proving that I have indeed exhausted all administrative remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
On XX/XX/2022 I received a collection call from Personify advising I am past due on my payment due XX/XX/2022. I made my XX/XX/2022 on XX/XX/2022. I have asked the company numerous times what warrants them the ability to make collection calls on a timely made payment, they could not advise it. I told them I have already made a complaint the attorney generals office on a prior collection call on a timely made payment and wanted to know what law allows them to start the collections process on a timely made payment, I was told they don't have that information. 

All I have been told is that if I make a timely payment 5 days or greater before my due date, it supposedly is considered an additional payment for the prior month. I was told if I want to make a payment 5 days or greater before my due date, I would need to call to reapply it to the loan. This is an unacceptable business practice, and it's against the law to start collection calls on a timely paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from XXXX XXXX XXXX  ACCOUNT # XXXX that does not belong to me I sent XXXX a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from XXXX XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the General to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.

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 2022-11-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from XXXX XXXX XXXX  ACCOUNT # XXXX that does not belong to me I sent XXXX a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from XXXX XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the General to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
I have filled out all the paper and sent to this company, saying identity theft has occured. 
there saying I owe XXXX for a XXXX XXXX was rented in XXXX GA I've never been to XXXX. this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NH

Complaint narrative:
I have been trying to put a request in with Flagstar bank to remove pmi for about 6 months now. Every time I call I get a different answer and terrible customer service. Finally they accepted the application after 30 days which I had called to verify everything was correct before resubmitting since this was a 3rd attempt. They didnt tel me to send a check for the appraisal at that time or I would have been happy to do so. So after 30 days of them now having my 3rd attempt of an application they respond saying to mail a check. I mail a check and then they said it will be another 4 weeks to process. I am beyond annoyed at this point since it is another 4 months of PMI payments. The appraisal company finally calls to schedule the appraisal, I have XXXX so ask them to postpone by 10 days. 10 days later we schedule it only for them to call the day before to cancel saying flagstar bank canceled it. This is after they already cashed the check for the appraisal. At this point it has been 6 months of pmi payments that should have been removed long ago. They are just trying to collect more money and interest. Terrible customer service and completely unfair practices.

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 2022-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
ADDITIONAL INFORMATION RECEIVED REGARDING COMPLAINT FILED ON XX/XX/22 ON THIS SITUATION COMPLAINT # XXXX. 

Was able to contact the MI insurer, XXXX, who is the entity SPS claims to be awaiting decision from and I was advised that on XX/XX/22 XXXX reached out to SPS requesting additional terms and has yet to obtain a response to their request of XX/XX/22. The assigned loss mitigation specialist at XXXX, has internally followed up with the servicer and no response. Yet when you contact SPS for status you are told that they are awaiting a decision from XXXX, that XXXX has it under review which is not the situation. Multiple calls have been made to SPS escalation team, the Ombudsman department, and they have no mention of this information. If XXXX does not receive the " terms '' they requested on XX/XX/22, the file will subject to yet another valuation and the homeowner would need to once again for the 4th time provide updated financial information. SO basically starting the process over for the 4th time. The homeowner who is a veteran of the XXXX forces  and under medical attention needs to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: DC

Complaint narrative:
I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of an account XXXX XXXX XXXX ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( XXXX XXXX ). Equifax failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and XXXX XXXX  are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company XXXX XXXX XXXX  ) that Equifax furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. EQUIFAX WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX with a partner. Our checking account was cyber-attacked on XX/XX/2022, in the amount of {$20000.00} It was unauthorized and we did not realize this happened until we received our statement on XX/XX/XXXX. Immediately we went to the First National Bank of Pa in XXXX Pa where we have banked for 25 years The manager told us we only had 24 hours to report this. We do not do online banking so how would we have known? We have met with the bank numerous times and have not been able to resolve this. I have contacted the PA Attorney General, XXXX XXXX XXXX, FBI, Office of Comptroller Currency, and no one seems to want to help us. This is a huge amount of money for a small business like ours. 
The information which we received in a letter stated nothing about a 24-hour deadline. Also, how can that hold up if consumers do not do online banking? 
We feel this is wrong on the banks ' behalf and we are seeking to get our money back. 
Please help us with this matter Why didn't their fraud department pick up on this.? Why have a fraud department if it doesn't ; t function as protection for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have updated the account number that your company 's record on my credit report. You mentioned last time that you could not find my file because it was showing a different account number but now that I have updated I hope there will be no more reason for you to not send me the letter of validation. please attach your response to your complaint just to be sure that I would receive it. 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 explanation