vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX XXXX : Closed on a house using a mortgage company XXXX : Mortgage company used an escrow account to pay for PMI each and every month. ( I have documentation to the fact and they have even provided me with a statement saying that as of XX/XX/XXXX the PMI was good through XX/XX/XXXX. ) XXXX : Mortgage company sold my mortgage to Freedom Mortgage Corporation. 

XXXX - XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI each and every month. 

XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI TWICE. 

XX/XX/XXXX : I was alerted to this overpayment by a yearly escrow statement where they are raising my escrow payments about $ XXXX/month. I called and asked them about the double payment and was told that there was a missed payment in summer of XXXX when I asked for more details ( because this made no sense to me ), I was transferred to someone else who confirmed the missed payment was in XX/XX/XXXX. When I disputed it with documentation from previous mortgage company, I was then told that the missed payment had occurred in XXXX. 

XX/XX/XXXX : I formally requested ( in writing via the online portal ) four items to figure out where the missed payment actually occurred and to get information regarding the service provider for the PMI ( so I could get them to confirm/deny the missed payment via a statement from them ). 

XX/XX/XXXX : Freedom Mortgage Corp is refusing to provide the PMI contact information but has provided a " detail history '' of the escrow account. The detail history is full of errors. Not the least of which is that their records do not line up with the IRS 1098 Mortgage Interest Statements for any of the three years involved. ( The records Freedom Mortgage Corp has are short {$1300.00} - amounting to 5 PMI payments. ) I have asked them for more details regarding the double payment to figure out why they double paid and they are unable to explain or credit it back to my account. They are also refusing to budge on the raise in monthly escrow payment amounts that I will be owing in the near future. 

In addition to all of this, they over paid my property taxes ( and I have yet to see a refund on that ). 

Freedom Mortgage Corporation is unwilling or unable to properly maintain my escrow account. 

Please help me.

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 2023-05-11 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: LA

Complaint narrative:
15 USC 1601 1681b 6802 Consumer privacy laws state confidential information such as transactions, history, utilization and statements are excluded from Consumer Reports.

Please Permanently delete US DEPARTMENT of ED Accounts # XXXX & XXXX from my TransUnion Consumer Files

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 2023-05-11 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: CA

Complaint narrative:
On XX/XX/XXXX  I transacted with XXXX XXXX XXXX XXXXo get a home mortgage pre-approval, which according to them required a credit report be pulled from Equifax, XXXX, and XXXX. Starting on XX/XX/XXXX  I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX  XXXX XXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: MO

Complaint narrative:
I had a 2018 XXXX latitude for less than 2 weeks. It was totaled. The company dragged their feet and wouldn't do their job while I had to get another car for my job and pay both car payments I did for a long time it almost made me lose my house because again they wouldn't do their job and one payment was missed this needs to be redacted I. Have excellent credit. And I have never missed A payment in five years since I started it.. I will be going to the XXXX XXXX XXXX for XXXX if you do not fix this and i'm not joking ... All this was not my fault as well I have never total a vehicle at my fault ....

Company response to consumer: Untimely response
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, XXXX, and Equifax. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I booked a hotel through Amex XXXX last minute on Tues, XX/XX/XXXX. The hotel was advertised as buy 3 nights, get the 3rd free. Great! Sold. Price per night was advertised at ~XXXX pts per night. I used XXXX points and was still left to pay $ XXXX as a balance. In the meantime, a $ XXXX hold was put on my card, an additional {$300.00} hold was put on my card at the hotel, and XXXX points were deducted from my accountfine. I assumed all would shake out after a billing cycle or two, but I was still confused about the rate I paid. 

When I called Amex customer service, I got the runaround and was told I couldn't get my own ITEMIZED RECEIPT of how much they were billing me per night for another 72 hours, well after my stay at the hotel ends. By my calculations, what they charged me was nearly 50-100 % more per night than booking directly through the hotel. However, I can't change my travel plans nor can I confirm this is the case because I can't get a receipt before my stay ends. I can only assume this is because their shady algorithm takes advantage of their own customers looking to book through the platform. 

XXXX XXXX XXXX they literally can not tell me what the advertised price was vs. what I paid, and they can not provide a receipt for 72 hours. I know they hope I'll forget about this, but I won't. Look forward to getting my receipt and getting my money and points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a promotion offer of convenience checks from Barclays Bank in XX/XX/2021. 
At that time, I decided to use XXXX of the convenience checks to pay off my XXXX account. On XX/XX/2021. I used check # XXXX XXXX department store for {$750.00}. 

XX/XX/2021. I received an alert on my phone stating a {$750.00}. transaction was posted to my Barclays Bank, not realizing I had written the check in XXXX. I panicked and called the fraud department to dispute the transaction. 
The transaction was reversed on my XXXX account XX/XX/2021 for {$750.00}. 
According to my Barclays account statement, the transaction was credited back to my Barclays account on XX/XX/2021. But unfortunately, the transaction was never credited back to the XXXX account. 
Ive made several attempts in the last last 19 months to correct the error on my account. Ive sent registered letters copies of check, statement showing where the error was made with no resolution. 
Attached, you will find the statements indicating when to error took place. Please review throughly. My last complaint was not resolved due to investigation of information. 
I know the check cleared. The problem is, it was never credited back to the merchant.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc.
State: FL

Complaint narrative:
Hello. I have an account with the buy now pay later service Sezzle.com. I have used it several times with shopping at the store XXXX, and had no problems. 

One day I decided to try it out with XXXX, and was informed that I needed to subscribe to Sezzle Premium in order to shop at XXXX. Sezzle Premium is an optional add on that costs {$10.00} per month. After signing up to Sezzle Premium ( and paying {$10.00} ), I tried to purchase something on XXXX and the transaction was rejected by Sezzle. I then found out that my spending power at XXXX is {$0.00}. For frame of reference, my spending power at XXXX is {$250.00}. 

I feel this is some kind of bait and switch and feel deceived. I would like a refund of my {$10.00}, based on the principle of the thing. I have already requested a refund from Sezzle, and they didn't even directly reply to the request. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
I have checked over my Credit Report and Noticed some Incorrect information on it. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX in the amount of {$870.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

these are clear violations of my federally protected consumer rights.

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 2023-05-11 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: FL

Complaint narrative:
This complaint is in response to my most recent copy of Transunion and XXXX consumer report. I see that an XXXX Bank account is reporting on those 2 consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX  nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, Tranunion, and XXXX are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that Transunion and XXXX current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX to see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is in response to my most recent copy of XXXX and Experian consumer report. I see that an XXXX Bank account XXXX reporting on those XXXX consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, XXXX, and Experian are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that XXXX and Experian current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX XXXXo see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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:
equifax is repeatidliy breaking the law and is failing to verify the unauthorized hard inquiries they are furnishing on my report. Specifically, Section 607 ( b ) requires credit reporting agencies to : 1.Adopt and implement reasonable procedures '' to ensure the accuracy of the information in a consumer 's credit report. 

2.Maintain strict procedures '' to ensure that only accurate and complete information is furnished to creditors, employers, and other users of consumer credit reports. 

3.Take appropriate corrective action '' when errors or inaccuracies are identified. 

4.Review all relevant information '' when reporting information about a consumer 's credit history, including the source of the information and the age of the information. 

i called and they told me to call the companies and ask them to remove the inquiry which doesnt make sense. the following are my dispute confirmation numbers. 

# XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation