vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I have a home mortgage with First Horizon Bank. I received an Escrow Analysis from them dated XX/XX/XXXX informing me that I have an escrow shortage of {$7400.00} which would cause my monthly payment to increase effective XX/XX/XXXX. I promptly mailed them a check for the shortage amount plus an additional {$650.00} because I knew they would be paying for an additional insurance policy premium of that amount. They posted my check in the amount of {$8000.00} to my escrow account. In that I had fully funded the escrow shortage, I expected my monthly payment to remain the same. 

However, on XX/XX/XXXX they took from my checking account the increased payment amount of {$3600.00} rather than the previous monthly amount of {$3100.00}. And they have continued to take from my checking account the increased amount of {$3600.00} each month thereafter. 

I have called their customer service number of XXXX at least twice in XXXX and XXXX trying to get this matter resolved. I was told that this was their error and it would be corrected promptly. On each occasion they have failed to make good on their promise and they continue to take an additional {$550.00} from my bank account each month and place it in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 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: VA

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

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 2022-12-23 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: Grain Technology, Inc.
State: OH

Complaint narrative:
I filed a CFPB complaint against Grain a few weeks ago, the company has now restricted access to my account. I was able to log in to my account 3 days ago. I can not log in to close my account and receive a refund of my deposit. This company has retaliated against a consumer for filing a complaint after several attempts through email to fix the issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called Experian to cancel my monthly subscription that I was not suppose to get billed for another day and to have my money refunded. Their customer service declined and would not change my monthly subscription to the free service as of today. The escalation line refused to do so and hung up on me. The amount is for 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 2022-12-23 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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-23 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: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: VA

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 2022-12-23 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: VA

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

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 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 2022-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-23 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Attached to this complaint is a letter of verification from the Social Security Administration for verification of my social number. Chex Systems , Inc., is requesting a letter of verification from the Social Security Administration for verification of my social security number in order to research my dispute. I have faxed a copy of the letter of verification from the Social Security Administration to Chex Systems , Inc., as well. I am a victim of identity theft and have a current police report on file with Chex Systems. The following reported information, inquiries viewed by others and only by you currently listed on my Chex Systems , Inc., Consumer ID Report : XXXX is fraudulent and unauthorized reported information and inquiries : XXXX XXXX XXXX, XXXX. Account Number : XXXX, Account Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The reported information and inquiries are fraudulent and not my account or inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2022-12-23 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:
Equifax is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * Procollect- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and XXXX removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on XXXX. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: GA

Complaint narrative:
Date : XX/XX/22 I sent equifax a copy of the company XXXX XXXX XXXX, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: LEXISNEXIS
State: NC

Complaint narrative:
I have a Bankruptcy report on my credit report. I called XXXX and they said that LEXISNEXIS gave the report to them. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. They are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a Bankruptcy report on my credit report. I don't know about the reports because they don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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 2022-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WV

Complaint narrative:
My mortgage is through Carrington mortgage inc. Back in XXXX my local tax department had my property taxes coded wrong and was charging double taxes on my property for that tax period. I went to my local tax department on XX/XX/XXXX and had it corrected. I called my mortgage companies tax dept and sent a copy of the correction. They still charged me an extra {$300.00} for the month of XXXX I paid it. They said call back in XXXX weeks and the system would be updated. I've called every XXXX weeks and still have told me the same thing. I was charged an additional {$300.00} for the month of XXXX and now again for XXXX. My house payment should be XXXX a month not {$850.00} a month. They tell me they see where the correction has been made but saying the escrow hasn't been updated. I can not afford XXXX a month. That is why I bought a low value home within my budget and can not afford to make a 850 monthly mortgage payment that is over half of my family 's monthly income. I tried to make my regular {$550.00} payment and it will not go through. Says they will only accept a minimum payment of XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2022-12-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT

Complaint narrative:
We started dealing with Carrington Mortgage in about the middle of this summer and ever since they have bought our mortgage from XXXX it has been a complete XXXXXXXX XXXX. The main reason I am filing a complaint, is because of the lack of knowledge this company seems to have to even be capable of dealing with people 's loans. Since XXXX my husband and I have been dealing with issues involving our home insurance. In XXXX we started getting letters from Carrington stating they would be " buying, '' us home insurance at a significant price since our home was not insured. After multiple calls, emails between Carrington and our insurance company XXXX out of XXXX, XXXX, I was told Carrington hadn't uploaded paperwork right to show we had insurance. So I want you to understand, we were getting threatened from Carrington that they were going to buy us home insurance when I kept stating to them we had home insurance and they had been notified by XXXX XXXX XXXX XXXX XXXX  we were insured under them. Now, note in XXXX I start getting e-mails from XXXX insurance XXXX our home policy is about to get cancelled because Carrington hasn't payed our policy of {$1300.00}. I e-mail their advocates department because nobody else in their company seems to know what is going on, and when they finally call my husband, they tell them they would be happy to pay the bill if XXXX 's would send them the bill. Excuse me? So now this week, after I have given BOTH companies information to communicate between each other and to get the bill payed, I get an e-mail from XXXXXXXX XXXX our home insurance policy is now pending termination if payment is not received by XX/XX/2023. Yesterday, XXXX XXXXXXXX  got a hold of someone, I'm assuming a manager named XXXX, who was very RUDE and I'm assuming new to the position since she couldn't even find the right address for XXXX XXXX to send the payment to and than she said they had been trying to get a hold of XXXX XXXX XXXX for payment who we haven't even been through since this summer. I have more to complain about with this company as I'm sure XXXXXXXX XXXX does XXXX XXXX XXXX out of XXXX, XXXX. I also would like to bring up no over payment checks with our escrow being sent out or our mortgage payment going down with a cheaper insurance... where is all this money going? Hopefully this gets the ball running and I absolutely expect this to get checked into as this has caused us a great amount of stress and undue hardship dealing with this company.

Company response to consumer: Closed with explanation