vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX i still do not have my corrected 1098 form as of XX/XX/XXXX. I now have not received my monthly statement for XXXX either. When calling in I get the run around and no one has an answer/timeframe as to when I will get my correct 1098, is CFPB really helping? I get same generic ltr. IT'S BEING REVIEWED. It has been more than 30 days .It was a simple correction 2 Mi-applied pymts to principal/reverse re-apply as regular payments effective in XX/XX/XXXX. Correct the amount of interest paid and send the new statement already. This is causing me to not be able to file my taxes. Co. doesn't seem to care at all. RUN AROUND EVERY SINGLE TIME I CALL NO ONE KNOWS ANYTHING. Now I'm not getting my monthly statement from XX/XX/XXXX. I call and am holding holding holding. I finally get XXXX. XXXX ID # XXXX came back to phone XX/XX/XXXX states no update dept is closed and has to reach out tomr.. I asked for CEO name and Corp address, she read it off so fast and had to look up the info again as was unsure. I will also be reaching out via certified mail with a request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX with another written request and complaint about the slow and lack of response time to correct this issue from D.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
This company is my only credit card agency that failed to secure customers ' security and privacy. It did not implement XXXX step/factor authentication. My repeated calls, emails, secure messages requesting implementation of XXXX have been neglected and appeared to have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
I just only asked this company basic info on " their mortgage cash program '' they took this lil conversation too far. I would never use this company for my mortgage in life, they Rep is like 1 Star. ' Im very happy and content with my mortgage company, XXXX XXXX XXXX because I am a XXXX percent veteran, with a great VA Home loan. This company has no right to pull may credit, I gave them no permission what so ever and not even my ssn. Also they have no right to pull my credit every month and send me the results, with your company approval? on the document. saying I can get more info if I write or call www.consumerfinance.gov/learnmore. This is not right and Im being VIOLATED AND STALKED AND HARRASSED AND IDENITY STOLEN BY THIS COMPANY. I'M SUING THEM AND IM LETTING THE UNITED STATES GOVERNMENT KNOW, WHOM SPONSORED MY MORTAGE WHAT DAMAGE THEY ARE DOING TO ME. I WANT OUT OF THEIR SYSTEM AND I WANT TO GET PAID FOR THE DAMAGES THEY HAVE CASUED MY CREDIT AND HARDSHIP ON ME. THEY OWE ME {$750000.00} FOR THIS DAMAGE.ASAP!!!!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have disputed numerous transactions, I cant get into my account probably because they want to limit my account for the 4th time. I never got all the money so I disputed them again as it has been over a month now. 

a payment that was for services was refunded to a client, under a buyer protection and it is a service I tried to dispute this and several transaction including XXXX  and XXXX XXXX  charges that were unauthorized and it also would not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.

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 2022-03-15 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: GA

Complaint narrative:
Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive disputed these items over and over with credit reporting agencies XXXX, XXXX and Experian stating these was fraudulent accounts they never investigated just kept saying it was accurate

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 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
For XXXX years my sons father has neglected his responsibilities. He has the ability to pay support but is unwilling to pay and is in contempt of court - ( PC XXXX ). According to California Code of Civil Procedure section XXXX if you have child support arrears you are required to not only regularly pay the amount of money you owe in support, you also are required to pay 10 % interest per annum on child support arrears. Further, under California Family Code XXXX, there is a 6 % to 72 % penalty on delinquent amounts if you fall into arrears by more than 30 days. My sons father owes $ 50,000+ and submitted paperwork at the Tennessee XXXX to have a judge in Tennessee override the California judges order of support and arrearages. When the State of California, XXXX XXXX Department of Child Support Services, contacted Tennessee to serve XXXX contempt order - he fled and has been avoiding service for years. He uses cryptocurrency, works under the table in construction and needs to help out. I have been taking care of my children by myself for 14 years. I have spent thousands toward private schools trying to protect my children and to this day I am still in debt- however their lives are priceless. I am taking care my children the best I can and it is not right that that he gets to neglect his responsibility for 14 years. The government can find people under the ground, above ground, anywhere and I don't believe the government is having a hard time locating to serve child support orders. Tennessee is just like Florida, Texas, Arizona and other XXXX states - that doesn't follow deadlines nor the law based on skin XXXX. He had the child support lowered to a couple hundred dollars and ran not realizing every little bit helps his son. 

You keep fighting battles, without ever getting justice - you start to lose respect. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: KY

Complaint narrative:
I reached out to XXXX XXXX, XXXX and Equifax by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: KY

Complaint narrative:
I reached out to XXXX XXXX, Experian and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it

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 2022-03-15 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: NC

Complaint narrative:
XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but Equifax XXXX XXXX continue to report this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NC

Complaint narrative:
XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but XXXX XXXX Experian continue to report this incorrect information.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are XXXX derogatory marks on my credit report are wrong ; stating when the accounts were opened : XXXX reports on XX/XX/XXXX from Capital One, XXXX report on XX/XX/XXXX from Capital One, and XXXX report on XX/XX/XXXX from XXXX  XXXX. I have not opened a credit account with anyone since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I at no time whatsoever authorized the XX/XX/XXXX XXXX  inquiry. When I contacted XXXXXXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  ( Finance ) INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Construction ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND TRANSUNION AND XXXX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.

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 2022-03-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what 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 2022-03-15 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: Phoenix Financial Services LLC
State: OH

Complaint narrative:
PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX ALABAMA  {$480.00} Balance updated XX/XX/XXXX... The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Balance due {$1900.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXl : All three XXXX, XXXX, transuinion Account # : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX FIN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( XXXX Creditor : ) 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 a 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 2022-03-15 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : All three XXXX, equifax, XXXX  Account XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) 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 a account without my written instructions

Company response to consumer: Closed with explanation