vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been contacting and sending documentation to the 3 credit bureaus for over a year now about my credit report and how things are not correct on all 3 bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!

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 2023-01-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been contacting and sending documentation to the 3 credit bureaus for over a year now about my credit report and how things are not correct on all 3 bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called my bank, JP Morgan Chase, asking why my checking and savings account were restricted considering that was all the money I own, all the money to my name. They said it was due to a recent fraudulent check that had returned. I tried to explain I was scammed the XXXX of XXXX. Ive endured hours on the phone with customer service to let them know in advance before the check cleared. I even have a police report to prove it. I asked if I could enroll in a payment plan to pay off the owed debtthe representative said only after the accounts were closed and when the balance was in collections I could do that. They refuse to give my back MY SAVINGS, and combined my money with the aforementioned owed funds on XXXX of my XXXX accounts. Thats bull, I wouldve liked to save my account if I couldve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: TX

Complaint narrative:
In accordance to the Fair credit reporting act XXXX account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate AccounXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX OF XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
tried removing wrong address with Experian, they have a XXXX XXXX XXXX that is not mine

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 2023-01-15 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: FL

Complaint narrative:
I am intrested in disputing all invalid information on my credit report from transunion.

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 2023-01-15 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am working on applying for a mortgage. The lender is unable to pull my credit report from Experian and XXXX. The lender is however able to pull my credit report from XXXX. I have worked extensively with both Experian and XXXX to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither Experian nor XXXX have made any effort to help me resolve this problem but it is clearly something wrong with their system.

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 2023-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: NV

Complaint narrative:
I made a one-time final payment offer to the XXXXXXXX program solution. It was done with XXXX agency. They called XXXX and made the final pay-off total for the XXXX loan. The price and close-out charges were sent by me to XXXX. 
Now, I have been told that I have a balance due amount. I totally disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As of XX/XX/2022 on recorded line customer service representative told me after submitting Affidavits I will get back all my unauthorized XXXX transactions but then they refused it I just want my hard earned money back

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 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX I refinanced my vehicle through Westlake Financial. In the State of Ohio a company has 30 days to file a lien on a vehicle. After refinancing my vehicle I did not receive a memorandum of title. Eventually the title came after being file XX/XX/2022. The memorandum of title also came directly from WESTLAKE normally it would come from the State of Ohio. Why was the lien file 4months after the paperwork was signed also why does it look different from the original memorandum of title? Please see the attached documents

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 2023-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in disputing all incorrect data on my credit report with experian.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am working on applying for a mortgage. The lender is unable to pull my credit report from XXXX and Equifax. The lender is however able to pull my credit report from XXXX. I have worked extensively with both XXXX and Equifax to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither XXXX nor Equifax have made any effort to help me resolve this problem but it is clearly something wrong with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 record 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 explanation
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 record 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 2023-01-15 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: SC

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 15USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 record 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 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
The Enhanced Recovery XXXX has been putting false information on my credit report. They said my account was opened on XX/XX/XXXX, and that I have a balance of {$2800.00}. My account was actually opened on XX/XX/XXXX. My account was closed with them XX/XX/XXXX with a balance of {$1300.00}. I've reached out multiple times to make sure these fixes were applied and to make payment arrangements. They send you through multiple options on the automated voice system and then either hang up or never answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: NY

Complaint narrative:
XXXX shows my balance with XXXX XXXX as {$140000.00} and {$22000.00}. I have filed disputes with XXXX and edfinacial services. XXXX has not fixed the problem. After looking at transunion report shows my balance zero and closed for XXXX XXXX. I realize the problem is with XXXX not XXXX XXXX 
In my document uploads I show my balances on XXXX. zero balances on the XXXX websites and XXXX report

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 2023-01-15 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

Complaint narrative:
PayPal is retaining my funds for no reason. I have been operating with this digital wallet for more than 10 years, and in general I didn't have any problems, except for the last month. They obliged me to change the status of my account ( from personal to commerce account ), as I decided to roll out a XXXX website for my business. Since that moment, they have retained my money each time I issue invoices for my services ( tourism services ). This is affecting my business, because I am having cashflow problems as I can not use my money. They say they retain the money to " protect my account '', but this doesn't make sense since my account is not new and I have been using Paypal for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc.
State: AR

Complaint narrative:
I would like to file a complaint against my mortgagee, Servion , Inc . The banks processes appear to be designed to, at worst, create a series of steps which are difficult for its customers to meet to correct a an error caused by Servion, and at best, the mortgage company is grossly incompetent. In XX/XX/2022, I increased the amount of my insurance coverage for a property I own. Servion is the mortgagee and holds an escrow account. Servion failed to pay an increase from the insurance company for the increased insurance cost from my escrow account. This caused the insurance company to cancel my insurance. After communicating with Servion and the insurance company, I was able to get the mortgagee to pay the amount due so that my insurance was reinstated. Today, I received a letter from Servion stating that because I do not have insurance on this property, the company is going to obtain insurance on the property and send me a bill. The letter is completely incorrect. I do have insurance on the property, Servion has a record of payment being made from my escrow account and had significant involvement with getting my insurance reinstated. The letter provides an option for insurance verification, via a website. I visited the website this morning and attempted to upload photos of the letter from my insurance company demonstrating that I have coverage. the website only accepts PDF or TIFF files, it does not except photos or JPEG images. That means that a consumer can not take a photo of a letter and upload it to the site as proof or verification of insurance coverage. I was able to turn a photo into a PDF so that it complied with the sites requirements, but the website only accepts images that are less than XXXX MB in size, which is less than a standard phone camera photo size. There is no logical reason for the file size, limitation, or restricting the files excepted to only PDF or TIFF files. As a consumer, Servion has created numerous loopholes to jump through in this process, and it appears to be designed, and set up in a way, so that consumers will fail. 

In summary, Servion failed to pay my insurance bill, failed to recognize that my insurance had been reinstated when the company is the one that paid the bill, and created a process to prove I have insurance that is onerous, which would never have lapsed, but for Servions failure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello I'm asking for your help with my Lender! Mr. Cooper did a analysis on XX/XX/XXXX. My homeowner insurance increased, as well as my property taxes. Effective on XXXX, XXXX. The amount would increase my monthly payment by {$20.00} The shortage in escrow is roughly {$190.00}. Escrow increased {$140.00}. I know the lender can apply a cushion for future increases, up to 12 months! But I know they also have a percentage cap! Also the companies won't my any changes until the following year! Also Lenders would give me a opportunity to pay the actually shortage and adjust the monthly mortgage to accommodate the balance of escrow for the year. INSTEAD OF A INCREASE Of {$20.00} MONTHLY, I GOT A INCREASE OF {$110.00} MONTHLY, A SHORTAGE OF XXXX I understand the overage will be returned at the end of the year! But I'm a senior on a fixed income! This is way to much of a adjustment! 
Monthly pmt was {$1100.00} to {$1200.00} Property taxes XXXX {$3100.00} to {$3200.00} per year Homeowners insurance XXXX {$660.00} to {$840.00} per year I hope I explained it to your understanding, Please help!! I didn't know how to down load paper work. thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account. XXXX XXXX XXXXXXXX XXXX account. XXXX XXXX account. XXXX XXXX XXXX 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 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 2023-01-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT  ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation