vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
AFTER REPEATED ATTEMPTS TO REACH SYNCHRONY FINANCIAL AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN THIS COMPANY ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF FCRA section 604 (A)(3)

UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT.

ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX  OH XXXX  IS NOT IN USE BY SYNCHRONY FINANCIAL.
THIS IS A DEFINITE VIOLATION 15 U.S.C.  1681s-2

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 2022-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The original mortgage was with Bank of America. The mortgage was sold to a XXXX XXXX XXXX XXXX. In XXXX I had a XXXX XXXX bankruptcy and had several incidents with this mortgage company. The bankruptcy was completed and discharged in XXXX. After discharge and in XXXX, XXXX XXXX increased my mortgage payments and when I inquired as to why, I was given an answer that the monies was for a motion that was filed by an attorney during bankruptcy and other fees. I told them they could not charge for items that were taken care of in bankruptcy after a discharge ; however, they refused to rectify the problem. 

I have requested each and every month that the company send me a monthly statement of which they have not done. Each month, I create my own mortgage statement with a copy of the check attached. Each year they state that my escrow is short monies and I have paid each shortgage in one lump sum. This year my home owners insurance decreased ; however, they maintain that the payment does not change. I do not receive any correspondences from them with regard to any payments or deficiences with the exception of the end of the year statement. 

These people have their own method of calculation of payments which are grossly incorrect and result in thousands of dollars being added to a mortgage that should not be charged. 

This company has been sued in the State of New York for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXX XXXX  XXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
In XXXX of last year Kikoff lending closed my account after I said it was closed I error they refused to reopen the account. Although I have money spent on the account and I can no longer access and download the products o purchased on the app. This company is a scamI uploaded emails saying they won't open my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: TX

Complaint narrative:
The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.

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 2022-09-05 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: TX

Complaint narrative:
The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.

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 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: ID

Complaint narrative:
Square will NOT provide me proof of the said debt. I used square to process two of my clients transactions, both of which were not deposited into my bank account, Square claiming to have held the. To resolve my negative balance. This is all the information they will provide me with. I have tried for weeks to work with them, however, they will not return my money without proof of a report using the FTC website, which has referred me to here. Apparently, some random email address was able to attach to my Square business account for XXXX XXXX XXXX, and somehow created a negative balance however, this transaction I have not seen, nor will Square provide further documentation of this as I stated previously. The amount I have had withheld from me from card payments from my clients is roughly {$250.00}. Square will not disclose to me the exact amount of said negative balance. This is the extent of knowledge I have regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, In my latest credit report dated XX/XX/2022 there are inaccurate variations of my name and wrong mailing addresses that need to be corrected. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on where they are located on my credit report Please have these handled as soon as possible.

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 2022-09-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: PA

Complaint narrative:
Negative accounts was not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards

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 2022-09-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am the successor of my deceased mother 's mortgage loan. I had been enrolled in auto payments with the servicer, received letter of pending escrow shortfall, I mailed the shortfall payment via check in XXXX of XXXX, the servicer applied the escrow payment to the mortgage although they had debited my account in XXXX via ACH which was long established. The mortgage payment increased in the following months as a result of them not applying the paper check to escrow, which was sent to prevent escalation of monthly payments. Several months of my emails and phone calls to them, the problem was not resolved. I eventually made ANOTHER Escrow Payment over the phone with a live representative which was applied to escrow accurately ( XXXX ). During this period I also reduced my homeowners insurance premium which resulted in an escrow overage. The company sent me an escrow refund check made out to the Estate which I have requested 3 times for them to make the check out to me, the Estate checking account has been closed for years as my mother died in XXXX. This same company has honored my request before in the past by re-issuing me a check in my name, also pertaining to a previous escrow overage. I have contacted them repeatedly via email and phone, I get the runaround and now due to their faulty accounting they have not applied the first escrow check to account for a XX/XX/XXXX mortgage payment and instead had kicked me out of the ACH plan because of the paper check they received in XXXX and applied in XXXX, even though they received the ACH in XXXX as well. According to their lousy bookkeeping, they continue to contact me with late fees and letters of being behind in mortgage by 1 month. It's not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
On XX/XX/2021, HomeBridge Financial made a payment of {$980.00} from my escrow account to the incorrect insurance company. HomeBridge made the incorrect payment to XXXX XXXX XXXX XXXX XXXX. HomeBridge recognized the error in XX/XX/2021 and made payment of {$980.00} to the correct insurance company ( XXXX XXXX ). I have contacted HomeBridge over 10 times requesting the XX/XX/2021 payment be refunded. In XXXX of XXXX, a manager for HomeBridge verbally agreed to refund my escrow. In XXXX of XXXX, my loan was sold to XXXX. Since my loan was sold, HomeBridge as refused to provide me a refund for their error.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX I tried to use my card to order food and it kept declining, I Figured it was locked for some reason. The next day I try again and it still doesnt work, I call Chase and after 2 hours of waiting they tell me that my account is frozen and under investigation. I ask why and they had no explanation I ask to talk to a supervisor and he tells me the same thing that they can not unfreeze my account. I ask how long this investigation may take and he has no idea either and all I can do is wait. It is now XX/XX/XXXX I still have no access to my account with the funds I use for my daily necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: GA

Complaint narrative:
A company reached out to my eldest daughter regarding a debt that they state I owe to XXXX XXXX XXXX. I have not had an account with XXXX  XXXX XXXX for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. 

Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your TrueAccord account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original XXXX XXXX  XXXX, XXXX. account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent out a letter around XX/XX/XXXX to XXXX, Trans Union and XXXX here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with XXXX two in both of their major breaches in XXXX  and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.

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