vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: TX

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-22 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: GA

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

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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.

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 2022-12-22 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: GA

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

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: MD

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. Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX 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 2022-12-22 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: TX

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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 an account without my written instructions.

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 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper started servicing loan XX/XX/2022. They have added {$260.00} as a charge for escrow analysis ( done by them of course ) in case of deficiency. they have doubled the amount of escrow without our consent or prior notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
XXXXXXXX XXXX XXXX I work up tell XXXX and i put everything into my home just tobe rob from me with a reverse mortgage. What a feeling at my age i should be enjoying the golden years and not worrying about money. I never been in trouble walk right all my life did 8 years with the XXXX on a XXXX boat out in the sea never seen land for months. I still fought for this country we live in I don't even recognize my hometown. This reverses mortgage was supposed to make me live without having to worry about money. I put all my money into my home I raised my boys.one of my boys came home to help me and I'm thankful he did I needed it.now what i know about this reverse mortgage i wouldn't have sign the papers, I would have finish paying my house of i was only XXXX away from doing just that. I started with XXXX bank and now I'm with XXXX XXXX I have equity on my home its XXXX but sense the interest is climbing so fast no other mortgage company will help a old veteran causes it's up to XXXX they had 6 lawyers all in one room it was just me and my boy all alone they never told me not once that I was gone have XXXX interest. I would have never sign!!!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX XXXX XXXXXXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
( XXXX XXXX  XXXX XXXX calls every day XXXX once XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account never authorized by me and is a fraudulent account : XXXX. XXXX XXXXXXXX XX/XX/2015 Amounts of : 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 2022-12-22 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: SC

Complaint narrative:
This account never authorized by me and is a fraudulent account : XXXXXXXX XXXX XXXXXXXX XX/XX/2015 Amounts of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: SC

Complaint narrative:
This account never authorized by me and is a fraudulent account : XXXXXXXX XXXX XXXXXXXX XX/XX/2015 Amounts of : 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 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: KS

Complaint narrative:
I have a friend who is incarcerated and who sends mail occasionally to my residence. I went in through JPay to refund him for the stamps that he has recently used and will use, because obviously he can't afford it on his own due to the wages paid within the penal system. I entered {$20.00}. The system ran the payment for {$200.00} and charged a {$4.00} processing fee. Their system never notified me prior to charging the fee. Moreover, there was no notification asking me to confirm the dollar amount prior to processing. This is completely atypical for payment processing. I've had other problems with JPay as well, but this is the most egregious mistake. There is even a recent article suggesting the state of NY is planning on dropping them for predatory behavior. I've told my friend that he doesn't need to refund me and just to use the stamps for future mailings since he does a lot of mailings through XXXX outreach programs, but I know he is going to arm wrestle me into taking it back. Regardless, the CFPB really should address this problem with JPay. I've also filed a BBB report, but they do not answer their complaints and their BBB file has an F rating. I've also filed attorney general complaints with the state of Kansas and Florida. I'm sure they believe they can get away with the behavior because most incarcerated individuals and their families have limited education and do not understand consumer protection at all. The problem is I do not have a limited education. I am very consumer protection aware. I have XXXX XXXX degrees and XXXX minors. I also hold XXXX research certifications. I graduated from the XXXX XXXX XXXX with honors. JPay has a lot of other problems as well, but this is the only problem that falls under the jurisdiction of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal is refusing to close my account. They claim it is in good standing, no pending transactions, etc. My account is not in violation, nor has it been limited as of XX/XX/19 according to paypal.They have given me 5 different reasons for not being able to close it for me ( pending transactions, having to wait 7 days after request to close an account, having to wait 90 days from the last transaction, that they were seeing a pending transaction, then proceeded to freeze my account in order to fix a " glitch in the system ''. So now I cant use it if I wanted to, nor close it in my account. I contacted by phone XX/XX/19 three times because they kept refusing help. I have also emailed, chatted, and went on XXXX to contact them about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Purchased my home in XXXX with XXXX down and lender/ bank financing of XXXX XXXX and XXXX XXXX. Not sure why on the XXXX as it was all Close of escrow handed to seller funds so my family could get keys and move in. Nobody went to college bought a boat with this HELOC as they call it or zombie loan is what Im hearing called now. In XXXX due to separation ( XXXX left home so do her income ) I fell behind on payments and after failed attempts to work with my lender saw Obama on TV who mentioned making home affordable and I sent the same SSDI income to HUD and HUD saved my home from trustee sale and I remain current on XXXX MAKING XXXX XXXX XXXX refinance 13 years later to this day. All of a sudden Im in ore foreclosure relaxing HUD didnt icue this loan? And the new servicer, XXXX XXXX servicing filed a notice of default XXXX XXXX which last 90 days till XX/XX/XXXX when they will announce sale date and foreclose and sell My Home at auction. 
specialized loan servicing it was convicted in XXXX by the government for violating RESPA regulation X wrongful filing and flow closure. Their NOD notice of compliance states my home is non-owner occupied? Ive been here every day and night as have my sons since XX/XX/XXXX my purchase date. XXXX received a XXXX offer from them today XX/XX/XXXX from demanding {$20000.00} by XX/XX/XXXX or theyre gon na sell my 17 year family home. Im current on my making home affordable refinance of XXXX, please help save our family home!

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 — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On Thursday, XX/XX/XXXX, I was served with a foreclosure notice from the XXXX XXXX XXXX XXXX XXXX for the property I own, located at XXXX XXXX XXXX XXXX XXXX PA XXXX. 

The lender is Select Portfolio Servicing of XXXX XXXX XXXX, Utah. I fell behind on my mortgage after being unemployed for the period XX/XX/XXXX to XX/XX/XXXX, when I began employment with XXXX XXXX. 

I notified the mortgage company that I was unemployed but had accepted the role with XXXX as of XX/XX/XXXX. I also informed them that I would send accelerated payments to bring my account up to date, once I began to receive my salary. 

In support of my promise to pay, I sent a certified check in the amount of {$2500.00} on XX/XX/XXXX as my first payment. However, the mortgage company returned this check to me, refusing to apply thus amount to my outstanding balance. 

Instead, they began the foreclosure process to steal my home, depriving me of my ability to provide for me and my family by taking away our residence. 

Subsequently, I sent checks in the following amounts from XX/XX/XXXX to the present : 1. {$2500.00} 2. {$2500.00} 3. {$3500.00} 4. {$15000.00} This includes the original check returned to me. and this totals {$23000.00}. In a separate letter, the mortgage company demanded payment of {$23000.00} by XX/XX/XXXX. 

I believe I've done enough to prevent my home from being foreclosed upon. However, I believe Select Portfolio Servicing is engaging in illegal and fraudulent behavior by initiating these proceedings. 

I request full reinstatement of my mortgage, the elimination of excessive fees charged by the company for unnecessary legal and business costs, and damages from the company and the law firm that prepared this illegal foreclosure filing against me. 

I also request a full investigation into the business practices of Select Portfolio Servicing to determine if other customers are bring defrauded like I have. 

I have filed similar complaints with : The U.S. Department of Justice, The PA State Attorney General 's Office and U.S. HUD. 

I can be reached by email at : XXXX or XXXX and by phone at XXXX or XXXX Rev. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed and contacted the company several times.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed and contacted the company several times.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 my online banking account was hacked. I was a victim of fraud/scammed. I received a call from what I believed to be my banking institution, JPMorgan Chase. The rep asked me if I initiated a wire transfer, I advised her that I did not. While placed on hold I entered my online banking and could see money leaving from my account. I instantly got in the car and headed to the bank. By the time u arrived XXXX wire transfers in a total of XXXX was stolen. XXXX wire for XXXX XXXX for XXXX. I informed my bank, made a police report, closed all accounts at chase and got new accounts. The money appears to have went to someone named XXXX XXXX and XXXX XXXX. These XXXX wires I was informed were not in Texas where I live. Chase has refused to return my money stating that someone must have stolen my information and this is not on them. I am reaching out in dire need of help. I was informed the device used to process this transaction was XXXX never logged in before on my account. I have never made a wire transfer ever from my accounts. Chase still declined my money. I've banked with Chase for over 15 years. While I was being hacked I was at XXXX dealership getting my car serviced. I have provided docs to support this as well.

Company response to consumer: Closed with explanation