vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The Shellpoint Mortgage company escrow analysis is wrong. 
They are saying that I was negative XXXX in escrow. 
However, today this changed to another amount XXXX XXXX XXXX  So according to their math, they are saying that I did not make any escrow payments last year at all. My homeowners insurance was {$4700.00} and taxes were {$1700.00}. The total being {$6400.00}. 
When reviewing this information I have found that they did not apply escrow payments to my account as I was making payments. I average 3-6 months ahead on all of my mortgage payments generally making monthly plus payments. Those payments include a portion that goes to escrow for each payment automatically. 
They have added this negative balance to my current mortgage payment changing my monthly escrow to {$1000.00}. This literally means that I will be paying XXXX a year in escrow. 
As of XXXX XXXX XXXX  ( according to my account ledger ) my escrow balance is a positive {$870.00}. This is after my XX/XX/XXXX taxes were paid in the amount of {$1700.00}. Yet they say I am negative as of XXXX in the amount of XXXX plus. 
My homeowners insurance has yet to be determined as the insurance company non-renewed my homeowners insurance. 
I have been on the phone with the mortgage company and each time I have to go over this again and again. They finally see what I am talking about and promise to have it reviewed. Next time I call? I get to start all over again because no one did anything the first time. Just telling me whatever I want to hear just to get me off the phone. 
My house payment went from {$750.00} to {$1500.00} due to their mistake. 
Apparently, I am not going to get anywhere with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: MI

Complaint narrative:
I sent letters on XXXX to both the creditor 's and credit reporting companies, none of them responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> I went for a XXXX  appointment. At the dental office I discussed some financing options with one of the Employees through their affiliate Synchrony Care Credit. I ended up not taking their financing option and made the decision to pay for my XXXX XXXX out of pocket with my own money. Days later I received notifications about a new account and inquiries on my report. I can assure you that I have not used their financing. The company will verify it as well. Maybe there was a misunderstanding with the communication on the companys end, but this account was not authorized by me. I need it removed from my report immediately.

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 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am reaching out to you today regarding a limitation on my Paypal account. 

I woke up the morning ( XX/XX/year>XXXX  ) to an email notifying me that my account had been permanently banned with no warning. Upon receiving this email I waited for the call center to open and reached out. The gentleman helping me was very kind and courteous and left me feeling hopeful. I provided him with my excel spreadsheet of my business transactions, dates of service and how they matched each paypal transaction. He told me it could take up to 72 hours to hear back but he was pretty sure that the ban would be reversed because he could see no wrongdoing and was under the impression that the system may have just done a general ban versus a real person. Within 30 minutes I received a message on my paypal message portal saying that the appeal was denied. I reached back out through the phone and the service representative told me that yes it was denied and the account was gone. He told me there was not necessarily a break against the terms but that my account was just a possible risk to paypal so they were closing my account that had been in good standing for 4 years. He also stated I would POSSIBLY receive my {$600.00} balance at the end of 180 days. 

After thoroughly reviewing the terms multiple times, I am clear that I am not violating any terms of Paypal and would like my ban lifted. I do get mostly goods and services payments and am at the start of my business which is my livelihood. I complete surveys for sellers on products, websites, etc and utilize social media to create content. I do always ask that people send payments through goods and services but I can not control who sends me payments or how they do it. 

My case did go to appeals and I uploaded all my tax documents for the transactions requested. I had one pending claim open which I had already refunded to the customer. That claim was sided with me but I let the refund remain and did not ask to be repaid. When sent that notification I was also sent an email saying that my account was closed permanently because too many customers were unhappy with my business. This does not seem correct or valid considering Paypal sided with me. Other than this claim I had one other claim for {$11.00} which was also refunded to the customer. In all 4 years of my account being open these were the only 2 claims. This is not a pattern or a continued issue. 

I am happy to provide paypal with any information needed. Paypal is an essential part of my livelihood. However, whenever I reach Paypal will not give me a reason for my account closer but instead just tell me my account is closed and they will not give me emails, phone numbers or other means to talk to people who deal with the accounts. They have stonewalled me closed my account and help my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting 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:
My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. 

I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Please help me delete these negative items off of my credit report : XXXX  XXXX - Account # XXXX  XXXX  - Account # XXXX  XXXX - Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
during credit pull for mortgage i was informed that there was a collection on my credit report by CBE GROUP for {$66.00}. called CBE on XX/XX/XXXX to inquire to why this was on my credit report and if they had any document showing it belongs to me. if not to delete it they stated it was not there policy to delete collection accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditors - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description of each creditor and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

1 ) VOLVO CAR FINANCIAL SERVICES : Inaccurately reporting late payments. In accordance with the Fair Credit furnish an account without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason. Please advise the creditor to keep this account open & to show the account as paid as agreed [ backdated to opening of account ] for past, present & future payments, as long as there is a contract in place. 

XXXX ) XXXX XXXX XXXX XXXX : Inaccurately reporting utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, but to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3. 

XXXX ) XXXX XXXX : collection account - A charge off with a XXXX party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : collection account - A charge off with a XXXX party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. https : XXXX XXXX ) XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RENASANT CORPORATION
State: AL

Complaint narrative:
I opened a " Simple Checking Account '' from Renasant Bank. When opening this account I made it clear that this was an account I would not use much, so I was concerned about minimum balance fees, etc... I was assured that if I kept either {$1000.00} in the account or had electronic statements then I wouldn't have to worry about fees. So I signed up for electronic statements. 

They publish these terms right on their website. 
Simple Checking is a simple and straightforward account with no strings attached. 
Simple Checking Features Low opening balance of {$50.00} No monthly maintenance fee when enrolling in eStatements, having a monthly direct deposit, or maintaining a daily account balance of {$1000.00} or more. Otherwise, its {$10.00} per month. 
Unlimited check writing Renasant Bank Mastercard Debit Card Mobile Banking Online Banking Online Bill Pay I signed into my account for the first time in several months and realized that Renasant had been taking {$10.00} from my account each month for several months. I received no notification that this was taking place. Also, when you sign up for Renasant 's electronic statements, they don't email you anything. You have to login to your account if you want to see a statement or get a notice. To me this violates the notification rules instituted on banks. I contacted the bank and they said this was because I haven't been using the account enough, something they did not mention either in person or in their advertisements.

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 2024-01-22 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I DON'T WANT TO HAVE THIS ON MY CREDIT REPORT 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

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 2024-01-22 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I DON'T WANT TO HAVE THIS ON MY XXXX  REPORT PORTFOLIO - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 for 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2023, I issued a challenge with the file number XXXX to Transunion Consumer Solutions, expressing my disappointment with the recent measures taken against them by the FTC in collaboration with the CFPB. This notice marked my fourth and final written request for them to address and correct the ongoing and negligent noncompliance issues that violate federal law, as outlined in sections 616 and 617 of the FCA. I was explicit in my intention to pursue full litigation to enforce my rights and recover any monetary damages I may be entitled to. 

Despite my numerous written requests, unverified items persist on my consumer credit report, which is a clear violation of the FCRA. I reminded them of their legal obligation to retain original creditor documentation for verification purposes and to confirm the accuracy of all information reported. Yet, they have failed to provide any such documentation as required by section 609 ( a ) ( 1 ) ( A ), or the method of verification as outlined in section 611 ( a ) ( 7 ).

Further adding to my concerns, there is a discrepancy between the last name on the address section of my challenge letter and my actual last name, although the rest of the document pertains to my correct personal information. I demanded a detailed explanation, correction of this error, and assurance of data security.

I cited various FCRA sections, including 623 ( a ) ( 1 ) ( B ) and 623 ( a ) ( 2 ), which relate to the proper handling of my accounts with several institutions, such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, among others. My concerns also included the adverse effects these inaccuracies have had on my life, denying me access to essential financial tools, due to their failure to verify disputed accounts or provide proof of their validity. 

I criticized their reliance on an automated system for verification, demanding human intervention and a manual review. I urged a thorough investigation into these issues and the consequent rectification. Furthermore, I requested an updated and accurate consumer credit report reflecting the results of this investigation, along with a complete file disclosure containing all data they have compiled on me. 

Finally, I asked for a promotional suppression on my credit file, provided proof of my identity, and demanded either verification or removal of the accounts in question. I took the time to circle and highlight every instance of information on my report that I found to be inaccurate, outdated, unsubstantiated, and incomplete. I also never received a response from that nor was I from my letter dated XX/XX/XXXX of 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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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  for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
This entity does nOT have authority to sell my house. I paid the bank directtly from an escrow trust company already XXXX cash that paid off the loan of XXXX with XXXX, I paid off the taxes and the property is in appeal with the court and I seek damages for abusing me economically and legal harassment. THIS IS MY HOUSE I PAID IT OFF IN XXXX. 
WHO IS THIS COMPANY AND WHAT IS THEIR AUTHORITY TO RETAIN MY CASH AND ALSO SELL MY HOUSE IT IS I MY NAME AND I HAVE TITLE TO IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureau never did a proper " Investigation " according to the FCRA.

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 wuth others with whom he is acquainted or who may have knowledge concerning any such items of information.

Transunion DID NOT DO THIS Also, Transunion has repeatedly violated my rights even more. In accordance with the fair credit reporting EVERYTHING has to be 100 % accurate on my credit report. Transunion stated my accounts was properly Investigaed but how is that humanely possible. If accounts on my TransUnion credit report has inaccurate open dates, inaccurate payment status, inaccurate remarks, inaccurate open dates, inaccurate account number, and inaccurate High Balance.

This is grounds for IMMEDIATE REMOVAL of accounts.

Transunion also violated the law because according to : 15 USC 1681 Section 602 A : States that I have a 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. 
I DID NOT give Anybody 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
the following account is negative without furnishing any proof of verification of this debt or that you followed XXXX  laws and regulations to report, therefore you must remove XXXX  negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and XXXX XXXX XXXX. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent letters to all 3 consumer credit agencies XXXX, XXXX and Experian letting them know that the information that they have on my credit profile is inaccurate and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.

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