vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: ME

Complaint narrative:
SN Servicing has been mailing all of my mortgage billing statements to my ex-husband 's address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  instead of the property address where I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called them and sent them a copy of my divorce decree and they still have not fixed this issue. My ex-husband throws all the statements away. I have tried to log into my online account and my access is denied due to me being behind on my mortgage. When I call for them send me my mortgage billing statements they email me a link to my online account which my access is denied due to me being behind on my mortgage. I called on XX/XX/2023 and was told that they would fix the mailing issue and mail me a third party authorization for my housing counselor, but this never occurred. Again I called them on XX/XX/XXXX and spoke to a XXXX who was rude and spoke over me so that I could not get my questions answered. She stated that I could not have access to my online account as I am behind on my mortgage, she did email me a recent statement and a third party authorization, but told me in the email that the reason I was not receiving mortgage billing statements was due to me signing up for online statements, which again my access was denied to my online account due to being behind on my mortgage. She put us in a que to speak to another person and we ended up with a man who transferred us into another que to get assistance to log into my online account that I do not have access to due to being behind on my mortgage. I fear this will place me in foreclosure as I am trying to work this out, but how can I if I do not have access to my account either by mail or online and when calling the servicer they are rude and not helpful, just accusatory as I am behind on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-27 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Was given XXXX pre-paid AMEX giftcards, after activation couldnt use the cards at any retailers. Called customer service and was told the restrictions would be lifted and to wait XXXX hours. After waiting XXXX hours the cards still have yet to work. Called again and was told the same thing yet again. Still have yet to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: KY

Complaint narrative:
i answered an add from american freight to purchase a bedroom XXXX XXXX XXXX dollars down on XX/XX/XXXX XXXX they said i had to sign the agreement within XXXX minutes or the offer would not go through so i did as he instructed without having time to read the agreement. 
later i found out that they were charging a finance charge of XXXX dollars on top of the price of the furniture which is XXXX. if it wasnt paid off in 100 days they were adding XXXX dollars. 

i also had to agree to pay over XXXX dollars a month on auto pay. im on a fixed income and my account became overdrawn which caused me to have to change bank accounts. 

after making several payments from my bank account i reached out to american finance to ask for help and they threaten to harrass me by phone if i did not make a payment by XXXX third XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of a scam. I filed a police report and am attempting to help the police catch the people involved. 
I reported the fraudulent charges to Citibank and faxed the report to them as instructed. The bank denied the fraud and said there was nothing I could do about it. This was over the phone and the call was recorded.

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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
I issued a payment for 2 Unsubsidized Loans to Edfinancial on Friday XX/XX/XXXX for {$6000.00}. The payment was to pay the total of my last Unsubsidized Loan of {$3500.00} ( XXXX on pictures ) and {$2500.00} for a part of loan ( XXXX ). {$6000.00} was taken out from my checking account on Monday XX/XX/XXXX and by XX/XX/XXXX only {$2500.00} ( for XXXX XXXX ) payment was processed. 

However, the remaining balance issued to pay the total balance of my last Unsubsidized loan ( XXXX ) is not showing up anywhere. The whole loan is still accruing interest on the total of the loan and they haven't respond to my email regarding this issue. I want to know where the remaining {$3500.00} are and why they are not process that payment. 

I added pictures of when the money left my bank account, and my balances on EdFinancial end. 

Thank you for any assistance regarding this issue. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Yes year of XXXXXXXX  I rented from XXXX XXXX the house was extremely rodent/squirrel infested in the attic, the rental refused to repair the issue I withheld rent for two close to the ending of my lease the company refused to go to court and a XXXX XXXX asked that they render payment my mail unfortunately the funds was returned to me and XXXX XXXX stated she would take out a new eviction which she later cancelled.XXXX  XXXX asked through try t message when would I be moving off the property and I told them XXXX which was a month past my move out time which they agreed to. Upon me moving out XXXX was notified multiple times I requested a move out inspection and to return the keys no response two weeks after my move out I reached again and was responded to by XXXX who stated that someone would reach out to retrieve the keys however said nothing about the move inspection. Didnt hear anything from XXXX until the following year where they sent of letter all Al types of charges and Mossi g items that was never placed inside the home. They gave the debt over to Hunter & Warfield who has been giving different info and refusing to do a proper investigation up until this current date XX/XX/XXXX  I contacted Hunter & war filed and sent over all type of correspondence supporting my disputes against this debt I have recently spoke with a supervisor who stated they was going to reinvestigate the debt upon learning XXXX was charging me for months of living when I was not living in the home the supervisor oXXXX Hunter & warfield stated that while the debt is under investigation they would not attempt to collect off the debt I recently called this week and was told it was still under investigation that debt would not be sent too collections cause its under a dispute investigation. Today it hit my XXXX I contacted the company again and was told it was a error and that it was not suppose to be sent to collection but reported as disputed and that their investigation is still ongoing. I do not owe the debt they state these are false collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 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 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In 2011, I purchased a vehicle using Wells Fargo for the loan. My payments were set up on auto pay. I had gap insurance that I was paying the car was almost paid off. The payments were up-to-date and they repressed my car after many attempts to contact Wells Fargo, and figure out why they repossessed my car. The issue was never resolved. Now I have read information online that this happened to a lot of people and there is a lawsuit being settled, but the Wells Fargo representatives told me that I was not eligible for the lawsuit I feel like my situation is exactly what the lawsuit is describing. They recently sent me a check for {$41.00} claiming it was an overpayment from my auto loan. Not sure how I have an overpayment when my car was repossessed for delinquent payments

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 2023-09-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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:
My credit report information have been disclosed without my written permission and without permissible cause. I will be moving forward with a law suit in the New York 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have attached a PDF file detailing the fraudulent history with specific dates and amounts as well as the numerous fraud reports opened with Chase and the specific police report file we have opened with the XXXX, TX Police Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
XXXX XXXX sold my private property to a 3rd party intervenor without my consent to do so. Then the 3rd party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my Private Property.

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 2023-09-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX sold my private property to a XXXX party intervenor without my consent to do so. Then the XXXX party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX sold my private property to a XXXX party intervenor without my consent to do so. Then the XXXX party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/23 I requested and received my Experian consumer report via XXXX. ( see Exhibit A ) On XX/XX/23 I sent a notice of dispute with a copy of my passport via certified tracking with a green return receipt to Experian regarding inaccuracies on my report pursuant to 15 USC 1681. ( See Exhibit B ) On XX/XX/23 according to certified tracking records, my letter was received by Experian. ( See Exhibit C )

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 2023-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Debt appears to be from an emergency room visit from XX/XX/2017. I was not aware of the debt or ever given an opportunity to review the details. I am still not sure what this is in regards to. Also, this debt is over XXXX XXXX XXXX. 

Also there are 3 collections listed all for similar amounts and for the same date. the amounts and account numbers are : XXXX XXXX Acct # XXXX XXXX {$1400.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} I tried to dispute this collection previously but was told it was valid and never received any details regarding the charges. I need to see a detailed bill, my signature accepting the charges and the notice that I should have received advising me that this was going to collection. 

I was able to research XXXX XXXX and they operate the emergency room at XXXX XXXX XXXX. I contacted the hospital and they had no record of the visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: LEXISNEXIS
State: FL

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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