vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as Guaranteed Rate as my servicer. The insurance was paid through my escrow during closing. Guaranteed Rate transferred my loan to XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. XXXX XXXX of XXXX I received a letter stating XXXX XXXX XXXX would be placing lender place insurance on my home. I called XXXXXXXX XXXX XXXX and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment Guaranteed Rate and XXXXXXXX XXXX XXXX violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate which was cancelled XXXX of XXXX or provide new coverage due to non-payment. I have to seek different insurance at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items. Neither Guaranteed Rate nor XXXX can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of XXXX XXXX servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements, the servicer breached the contract when they failed to make payment, my mortgage has increased, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account which the servicer failed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My account was closed and I was unaware. They said it was closed for non-payment of overdraft fees. No proof was ever sent to 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 2023-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I logged in into my Bank of America account and thats when I realize that there was an auto loan of {$52.00}, XXXX that I didnt apply for or authorize. I called XXXX to freeze my credit and then thats when I discover that since XX/XX/XXXX they try to apply to different loans personal and auto loans with different companies, but they were all declined until the one that they apply through Bank of America on XX/XX/XXXX. They had also cancelled my cards and order one to the fraudulent address XXXX XXXX XXXX XXXX, XXXX CA back in XX/XX/XXXX so thats probably when everything started. I also try filling a police report, contact the social security department and reported to XXXX to freeze my credit. I started the claim with Bank of America on XX/XX/XXXX and they sent me some documents that I had to get notarized stating that my identity was stolen and that I didnt apply for that loan however I received a letter dated XX/XX/XXXX from them stating that they were denying my claim.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
Received Vanilla brand Visa gift card for {$100.00}. Digits are missing from the card. Contacted company on XX/XX/23 and was informed a new card would be issued within 7-10 days. Given case number XXXX. As of XX/XX/23 no update to case. Several emails have been sent and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
Ive Mailed in numerous dispute letters letting the Experian bureau know the inaccuracy of my report. They updated my account to verified status for these two collections accounts. I requested method of verification and they never sent me anything telling me how they verified XXXX XXXX Account number and XXXX XXXX Its been almost three months now and still no method of verification for these accounts.

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 2023-03-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  - XXXX XXXX ) Dept. of ED/XXXX - XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  -Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  XXXX Acct XXXX XXXX X XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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 reporting 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 2023-03-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXXept. of ED/XXXX  - XXXX XXXX ) Dept. of EDXXXX - XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  -Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXXXXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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 reporting 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 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Source receivable management along with XXXX XXXX trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker Source receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. Source receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by source receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: IL

Complaint narrative:
I wrote to the credit bureau requesting investigation of inaccurate reporting leading to no resolution numerous times. The credit bureaus claimed that they have completed a reasonable investigation with furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report error on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 : 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. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number 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 2023-03-15 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: IN

Complaint narrative:
So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

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 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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:
On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I need late payments removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/23 I received a email from capital one that my 4 banking accounts would be closed and they decided to end a banking relationship. Thats cool. 

I went into the bank account and they froze my account and will not allow any withdrawal. I ask them why my account could not be closed so I can get my money and they told me its because my account is under investigation. They refused to tell me what is was under investigation for or give me a time line on when a resolution would come. The representative told me it could take up to 90 days, up to 90 days of CAPITAL ONE ILLEGALLY HOLDING MY FUNDS and preventing me from paying my bills. Im in the process of having a attorney look into this and to get the courts involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TX

Complaint narrative:
Here are the following accounts I want to be reivestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have ask Experian to validate the accounts above by requiring the creditors to produce documentation bearing my physical signature of contract. I have tried in XXXX to get Experian to comply with supplying proof of their alleged investigation and validation of debt.

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 2023-03-15 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 know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 2023-03-15 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 know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 2023-03-15 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: CA

Complaint narrative:
On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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