vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: FL

Complaint narrative:
REMEDY This is about the Consumer Report received via mail, I came to know about a few inaccuracies and even some fraudulent information and accounts that was reported in it.

While According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
O As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o.

I hereby grant your Company, the opportunity to
remedy this matter by doing the following things : 1. DELETE FEOM CONSUMER REPORT 2. I DEMAND {$1000.00} for damages Thank you for your cooperation

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 2022-10-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am trying to do a short sale on my property but the lender did a drive by BPO and over valued the property. The property exterior and interior is falling apart. 
The lender refused to do an interior. since the property is over valued just from a drive by I am deemed not eligible for a short sale. If they come out and do a full appraisal of the property they will see the property is not worth the price tag they put on it. 
I have been in contact with the lender and they said that its not eligible for a short sale so they wont order an interior appraisal. 

These are all the things that needs to be addressed and taken into consideration regarding the value of the prop The drive by value is completely over valued as these are only some of the things listed here. 
But there is quite a bit of other problems that will have to be addressed : Major termite damage throughout the entire home, some of the floors are very thin and need major repairs. 
The basement has a mice infestation. 
Hot water heater needs to be replaced and is over 25 years old. 
Gutters are damaged and need to be replaced. 
The driveway and pavement need repairs and have concrete damage. 
Foundation cracks on the walls in the basement. 
Exterior wood has some termite damage. 
Shingles on the exterior need repairs, has some missing shingles. 
The enclosed front porch has collapsed and the exterior front of the home has vines that have grown and penetrated through the walls and as well has poison ivy. 
The floor in the attic is open and needs insulation repairs. 
House has plaster walls and may have termite damage. 
The third bedroom had a water leak from the roof, the ceiling is damaged and cracked open. 
The kitchen needs updating. 
Loose Tiles in the bathroom. 
The bathroom sink and bathroom as a whole need to be updated along with the toilet since it is leaking. 
Crack in the corner of the room in the living room. 
Parts of the cellar need repairs. 
The sump pump needs maintenance Electrical Panel needs to be repaired ; it has not been improved since the 1950s. 
Washer and Dryer Units to be removed. 
New Air Conditioning Unit Aluminum Sheds outside of the home need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: AES/PHEAA
State: UT

Complaint narrative:
I spoke with my fed loan on XX/XX/22 about getting a refund on payments I made during the COVID forbearance, when I called back on XX/XX/22, they said they never put in the request. Balance is still not updated to reflect reinstatement of loan with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX is not the problem XXXXExperian is the issue** I contact XXXX  an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for XXXX  days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call Experian on XX/XX/XXXX to find out why it didn't update, the representative at EXPERIAN told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX  who advise me EXPERIAN NEVER CONTACT THEM. WHY would EXPERIAN HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS  LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.

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 2022-10-12 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: Capital Accounts, LLC
State: VA

Complaint narrative:
Submitted claim through CFPB with claim number XXXX. Company stated in XX/XX/2022 that they would send my file back to the original creditor and remove the collection from my credit report. However it is still on my report. I would like the company to submit the removal of this collection to all three credit bureaus ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One has been insubordinate during the entire dispute process for case number : XXXX. They have provided misinformation multiple times during the process, lied about what was needed to inform the customer of the dispute and are allowing a vendor, XXXX, to get away with scamming a customer with fraudulent services. On XXXX XXXX, 2022, XXXX with dispute customer services was insubordinate in meeting customer requests to speak with a manager multiple times. He refused to explain the incorrect information provided in letters from Capital One explaining why everything had been done as requested by Capital One to prove the outcome of the case. He refused to close the account. 

The item was purchased on XX/XX/XXXX, and posted on the XXXX, 2022. This has all been discussed in less than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Heartland Resolution Group, LLC
State: VA

Complaint narrative:
I have been getting calls all day from Heartland Resolutions Group. They called me 6 times one day. Every time I answered the phone it would be dead air. I tried calling back to find out what it was about. I could only reach a voicemail box. I left a message asking them to stop calling me not saying anything. They continued to call the last call I got. The lady threatened to continue calling me which I consider harassment. She wouldnt tell me what the call was about or anything. They have been harassing me during my work hours calling me very early in the morning and it has become a major problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C System, Inc is trying to collect a debt for XXXX. I have never had a XXXX  account. It was proven and removed from from my credit report in XXXX of 2020 and now its back on there. I explained to the rep what happened and he still tried to convince me to pay it. I had to hang up on him because he became rude.

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 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: KS

Complaint narrative:
I received a statement from KLS Financial Services claiming they had sent me notification of a debt.I had never received any notification from them at any time. I sent a letter requesting verification of the debt and they refused to respond to the request. KLS Financial Services sent me another statement demanding payment in full and threatening legal action. I sent another letter certified mail demanding verification of the debt and if they are not able to verify/validate the debt to cease and desist all communications. I have never heard of this company and have no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Collection debt on my credit reports from MRS Associates on behalf of XXXX XXXX for {$730.00} as of XX/XX/22 ( date opened XX/XX/22 ). I have never had account ( s ) with XXXX XXXX or XXXX. I filed dispute with XXXX and XXXX as well as contacting XXXX XXXX XXXX on XX/XX/22 and filed fraud complaint/report they say the will look into ( I have not heard back as of yet ). I wanted to file this with CFPB to cover all of my basis everywhere I can as this debt is NOT mine. I have tried so hard to clear up my credit report and this is very concerning to me of this fraud incorrect report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mother died after contracting XXXX. Due to XXXX I was out of work at the time. I was unable to pay my rent and her back mortgage as well as her current mortgage payments. I reached out the mortgage company. They told me the house was already in foreclosure

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 2022-10-12 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: FL

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. 
wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID - # 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 SOFT INQUIRIES Date Company Request Originator Description XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXXXXXX XXXX XXXX  XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX  XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX XXXX XXXX ID Report XXXX XXXX | XX/XX/XXXX Page 39 of 46 XX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX XXXX XXXX  Direct to Consumer Report XX/XX/XXXX XXXX XXXX Credit Report XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX Credit Report XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XXXX XXXX, XXXX XXXX  Credit Report XX/XX/XXXX XXXX XXXX Prequalification for Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: PA

Complaint narrative:
I have reached out to this company to do a proper investigation of everything on my credit report and they did and stated everything was accurate. However, I did a thorough research and i found improper inaccuracies on my credit report even after they did a research on my credit report. 

In accordance with the Fair Credit Reporting the following accounts have violated my rights : 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 15 USC 1681 section 602 A states I have a right to privacy 15 USC1681 section 604 A Section 2 : It also states a consumer reporting agency cany furnish an account with my written instructions Here is a kicker : 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

It is to the law understanding that a late payment is a transaction and credit utilization is an experience information on your credit report when the law clearly states that its not included on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello! 

I've been with PayPal since 2003. On XX/XX/XXXX my attempts to transfer money to my bank account were declined, then on XX/XX/XXXX I received an email that my business was not " active '' and that I could no longer use PayPal " due to potential risk ''. Now PayPal is holding my entire balance of {$10000.00} USD for 180 days and has permanently banned me from using their service. 

I've tried to contact PayPal online and by phone and the only explanation they offer is " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I double checked my account activity and it is all normal. 

PayPal is an important service to me and my company and I want to continue using it to process payments. Of course I also want access to my money. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
It is actually my cash app account someone hacked it and had seven transactions to XXXX  in New York in a matter of 3 minutes over {$1200.00} missing I live in Oklahoma I called and reported the problem XXXX minutes after it happened they said I would hear from a private investigator within 10 days never heard anything from anybody so I emailed them they responded with a we did not find any suspicious transaction or an error so your case has been dropped but what makes no sense to me is they said they block the person that did it so it couldn't be done anymore so if they block them how is that not suspicious activity I feel they didn't even try to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: NJ

Complaint narrative:
The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
I have a solar system that has not been working properly ever since I got it back in 2021 For months it has been completely down and not working at all And to find out that PowerHome/Pink energy is now out of business closed their doors and is filling bankruptcy!! 
The CEO of the installer has mentioned many times that our systems are defective and need recalled. 
GoodLeap aka XXXX is still insisting we make our loan payment even when they know our system is completely down and not working at all!! I have opened an escrow account and will place all payments in that until this is all sorted out!! Please help my husband retired and were struggling because all of this mess Thank you so much GoodLeap does not care about trying to help they just want money Ive included the amount of my electric bills you can see how it goes up and down for the solar system working and the. Not working ever since we got the system in 2021 This is not saving us at all!! I dont want this to affect my credit or my husbands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
XX/XX/22 XXXX XXXX XXXX  I received email from Toyota Financial Services with a verification code and instructions to call them at XXXX if I did not request the code. I called them and reached a rep who said they have no record of this. She submitted a request to have it looked into and transferred me to fraud dept. I was put on hold and i hung up after so long. 

Called again, got another rep who was not friendly and tried to transfer me to Fraud dept but she disconnected the call in process. 

Called again and asked for this to be escalated and to speak with manager and the request to do so was declined. Rep said she would put in request to IT department to have this looked into. 

XXXX XXXX XXXX and spoke with rep. She contacted Toyota Finance and then provided me with same information that they did. Said she will submit request to have looked into. 

I am frustrated that Toyota company sent me this verification code email and has no record of it and refused to connect me to a manager or to escalate. 

For the record, this comes on the heels of my having a payoff request sent from Toyota Finance to my credit union ( yesterday ) as I am working to refinance this loan with the credit union. I contacted credit union to ask if they may have contacted Toyota to access my account and they responded saying that they did not and never would do so. 

This protocol-based, merry-go-round lack of accountability is exactly why consumers have problems resolving identity theft issues. The companies themselves use protocols that are designed to get the case closed asap and not necessarily resolved for the consumer.

Company response to consumer: Closed with explanation