vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XXXX, received a penalty from the county for unpaid property taxes despite the fact I had been making monthly escrow payments with my mortgage through United Wholesale Mortgage. I requested that they pay the property taxes ( {$6400.00} ) with my escrow balance, and that they take responsibility for the penalty ( {$650.00} ) as is required when escrow fails to pay taxes. Since they did not respond to my request in a timely manner, I paid the taxes myself to avoid additional penalties and notified them to disregard the original message. A couple days after, they paid the taxes and penalty out of my escrow account despite my notice to cancel. 

I called the county for a refund due to the double payment and they obliged. After reviewing it, the county sent the refund of {$7100.00} on XX/XX/XXXX and provided a warrant number to track the deposit. However, the refund was sent to the escrow bank account rather than mine. I then called UWM to track down the refund and send it to me. 

Between XX/XX/XXXX to current date, I called them 8 times to follow up on the status of the refund. Each time I called, a customer service representative told me that they have been unable to locate the refund despite the fact that I provided the exact warrant number from the county. They said that someone would look into it and that I should call back in a couple weeks. In the 3 months that I have been following up, no one from United Wholesale Mortgage has looked into the issue or made any progress. As of today ( XX/XX/XXXX ), United Wholesale Mortgage has sold my loan to another financial institution and is claiming that it is the responsibility of the new loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has submitted a debt twice the amount to my credit I gave disputed several times the amount is inaccurate XXXX insist and lie it is accurate no cell phone bill with all phones paid for can get to {$5000.00} they are scams and it shows they never sent or presented to me any bill close to the amount on my credit they have caused severe mental pain and anguish and the debt and their actions have caused me harm

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I called to close my account with TD Bank on XX/XX/2021. Im going to be charged fees for not having funds in the account. I transferred the funds so I can close the account. 

They will not close my account and I dont want to be charged fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Unrecognized Charges XX/XX/2021 XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX USED TIRES XXXX NY XXXX XXXX XXXX NY XXXX XX/XX/XXXX CALLED REPORTED CARD LOST AND HAD UNAUTHORIZED CHARGES. 
XX/XX/XXXX MAILED A DETAILED LETTER DISPUTING CHARGES.NO RESPONSE. 
XX/XX/XXXX SUBMITTED FAX LETTER DISPUTING CHARGES RESPONSE RECEIVED PENDING INVESTIGATION. 
XX/XX/XXXX LETTER MAILED TO ME STATING CHARGES ARE AUTHORIZED. 
XX/XX/XXXX SUBMITTING FAX DISAGREEING WITH RESULT ASKED TO POROVIDE AN ACCVURATE STATEMENT, RECEIVED NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONTRACT CALLERS INC
State: NM

Complaint narrative:
Last year ( XXXX ) I moved and turned off my electric service with XXXX XXXX. After receiving my confirmation email that my service had been turned off, I received no further communications from XXXX no emails, no phone calls, and no letters in the mail. So imagine my surprise when I received a notice from a credit reporting agency that I had an outstanding XXXX bill that had been sent to collections! I have now paid the bill ( {$100.00}, through the collections agency Contract Callers Inc., on XX/XX/XXXX ), but there is no telling how long it will take for the collection account to come off my credit report, if at all. When I called XXXX, all the representative could say was that they send final bills through the mail, which in my case was apparently not true. While I was a XXXX customer, I always paid on time, and it is infuriating to me that they would send me to collections without ever notifying me, through any form of communication, that I had an outstanding bill. This feels like the action of a scummy company, not a major utility, and frankly I have to wonder if there are any kickback deals happening between XXXX staff and the collections agency. 
I also never received a notification of the debt from the collections agency, but this could be because I had moved again from the address I provided XXXX for my final bill. If they did not receive my account until after my mail forwarding had ended, they had no way to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp.
State: OH

Complaint narrative:
This company is in direct violation of the truth in lending act governed by regulation Z, the fair debt collection practices act governed by regulation F, and the trust indenture act. This company had my car taken for an alleged debt that they have yet to provide me with documentary evidence that I own them. As the consumer I dont agree with these terms in the contract and I have questions due to not being able to take the contract home to review the contract before signing. So I asked the questions? What was the security that was given? Who is the seller? Who is the creditor? is the creditor shown clearly and conspicuously? Is this a swap based agreement pursuant to 15 usc 77b-1? How is loan defined under the FDCPA? What proceeds did I receive from southeast toyota finance for the purchase of my securities? Can you show me where South east toyota signed the agreement making in valid between the the creditor and myself? Do you agree this is a contract? If this is a contract is it not a federal violation pursuant to 15 usc 1? What legal and lawful right do you all have to come steal what does not belong to you? How much was this swap agreement purchased for? Was your goal to liquate my estate to help increase your profits since we are under XXXX XXXX bankruptcy? What is a trust indenture? What law says that I have to pay an alleged debt? Can you send me a original copy of the credit application? Who much fraud do you all need to commit before you return my property and title.? What form of payment do you all accept for payment that is not listed pursuant to 18 usc 8? What specific personal information was used to open this account? What is my social security number used for? Was this purchased made for bailment? Can you define consumer credit contract pursuant to 16 cfr 433.1?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have sent out certified mail to XXXX and I also disputed multiple times online through XXXX to get a fraudulent closed account of my credit report by Capital One Bank I have sent in a police report a ftc and a fraud affidavit report showing that I have been a victim of identity fraud I have Frozen all three of my credit bureau accounts and placed a security freeze. XXXX and XXXX has removed the fraudulent account but XXXX is giving me a very hard time and the runaround Capital One Bank also The fraudulent account and debt that's on my credit report has a total of {$440.00} it was opened XX/XX/2019 and it was closed XX/XX/2019 I have contacted them multiple times to remove this account because it's not accurate and it shouldn't be there if I have the information to verify that my identity has been stolen it should be removed and it's giving me hard financial hardship to obtain loans Etc I don't know the specific dates i have to dig up receipts in my email thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FINCL 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank put a hard inquiry to my account without my consent or knowledge. Instead they pretended to offer me a credit increase and 'asked ' me a few simple questions about my household income without informing me that this would put a hard inquiry on my credit 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 non-monetary relief
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX and 120 days late payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXXXXXX XXXX  Date Updated : XX/XX/2016

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX****-Balance {$2300.00} XXXX-Balance {$660.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXXXXX****-Balance {$3600.00} XXXX XXXXXXXXBalance {$5100.00} XXXX****-Balance {$16000.00} XXXX XXXXBalance {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief