vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX XXXX am making this complaint due to my rights are being violated. I sent in a dispute to XXXX XXXX and TRANSUNION because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs 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 2021-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX , am making this complaint due to my rights are being violated. I sent in a dispute to XXXX, EQUIFAX and XXXX  because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MI

Complaint narrative:
I submitted a dispute to Transunion credit reporting agency due to unauthorized " Hard Inquiries '' that are on my consumer credit report. Transunion told me that they " Investigated '' the dispute and " Verified '' the unautorized inquiries within 1 day and said that they are remaining on my consumer credit report despite the fact that I filed a police report stating that the inquries are unauthorized or the result of fraudulent activity.

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 2021-09-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I noticed residences reporting that don't belong to me with all three bureau 's to combat against the improper use of my credit report I sent each bureau a letter XX/XX/2021 and as of today only XXXX  has updated and corrected my information. Please see attached identity theft affidavit and letters that were sent which did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: OH

Complaint narrative:
XXXX  and Equifax continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither XXXX  nor Equifax reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because XXXX  and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Hello i had a large amount desposited into my Charles Schwab account back in XXXX and after I payed a bill in advanced they locked my account the next day since then Ive been trying too get in contact with them but no success on my end. Ive Called and called emailed letters but no response. Im willing too give them any information regarding my account so I can access my money this is very frustrurating and problem causing, That was my savings money so I can pay bills coming up is rent and im really stressing! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The account was set on auto pay for as l have had this card ( over 3 years ). There was a XXXX balance on the card but there was an annual service fee that was charged. The auto pay did not go through as it should have which resulted in a 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$310.00}. THEY NEVER RESPONDED TO ME. HOW CAN THEY VERIFY THE ACCOUNT TO THE BUREAUS IF THEY CAN'T VALIDATE THE ACCOUNT WHEN I ASKED THEM TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XXXX AND XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$1200.00}. IN ADDITION THE BALANCE OF THIS DEBT IS NOT CONSISTENT. THEY HAVE BEEN REPORTING SEVERAL DIFFERENT BALANCES IN THE ACCOUNT. HOW CAN THEY DO THAT? WHERE ARE ALL THIS INFORMATION COMING FROM. PLEASE SEE ATTACHED FILE FROM PREVIOUS MONTHS WITH INCONSISTENT BALANCE REPORTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/2019, I enter into a payment agreement with XXXX Department of Environment and protection to pay my water bill, the mortgage servicer shellpoint made on payment to DEP on my account that they were not suppose to pay. Shellpoint increased my mortgage by approximately {$2000.00} which my month payment came from {$3600.00} to {$5300.00} which make it impossible to make payment on my mortgage, I contacted the company even offer to reimburse the payment they made on my account in full, they refuse to accept my offer to pay and refuse to reinstate my account to the original monthly payment, this makes it impossible to make payment on my account.

In addition, Shellpoint did not follow federal regulations not to report negative reporting on my credit report during COVID-19 while my account is in forbearance, the company kept reporting the payments that supposed to be in forbearance as balance increase which impacting my credit severely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I saw a promotion offer when I searched for tickets on XXXX, saying that I can earn {$200.00} statement credit and XXXX bonus miles after satisfying the spending requirements. I was happy that AmEx gave this offer to me. I applied for it and got approved. There is no pop-up window during my application. 
However, when I almost finished the spending amount, I asked the representatives about the offer status via online chat. They told me that I was denied for that offer. They insisted there was a pop-up window. I can be definitely sure no pop-up windows. On the other hand, I called the customer service they told me it is tracked and asked me to continue spending. It is so confusing. And I finish the spending amount, but no bonus came to my account. I was fooled. 
I also tried to create a case via calling, but no response. So I am now complaining here. Currently, I have screenshots of the offer I saw, the phone recording when I called the customer service telling me that the offer is tracked. I also found some alliances on this website XXXX XXXX XXXX. They all encountered similar issues. If my issue can not be fixed, I may have to report to the Office of the Commissioner of Financial Regulation and unify other victims to fight against AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have a VA home loan serviced by Freedom Mortgage since XXXX. Automatic payment set up through my bank, always on time, no problems until we refinanced with them in XX/XX/XXXX. Then the roller coaster ride began. 
Currently F.M. has requested a supervisor investigate the issue. The issue is a chain of errors starting with their escrow department having us on record as uninsured since XX/XX/XXXX. Our original loan and the refinance documents clearly include an escrow account with F.M. to pay taxes and insurance. Evidence of Insurance was included with the refinance. Mysterious. 
Well the chain continues with subsequent escrow analysis based on incorrect records, then incorrect ( lower ) monthly payments, refund of balance in escrow account, failure to act to ( multiple and timely ) requests from XXXX XXXX to pay the annual premium, a new escrow analysis and a new ( higher ) monthly payment, those same monthly payments held in suspense and not applied, late fees. 
Since Ive dug into this matter a month ago, F.M. has waived the late fees, naturally and applied my payments. Their Customer Care department also want {$2000.00} from me to cushion the mysteriously on-record/off-record escrow account. Their loan officers want me to refinance with them again yet are unable to help me resolve these issues. 
Id like to have an explanation ( a real and true one ) for the vanishing of the escrow account, some renumeration for the time and patience Ive had to employ to educate F.M., investigate the matter and do myself what I actually pay F.M. to do : accurately maintain my loan and escrow account. I dont do this for a living but they do. Beyond all this Id like to trust my Loan servicer to do what they agree to do in the loan agreement. At this time that servicer isnt Freedom Mortgage.

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 2021-09-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax, and XXXX are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: FL

Complaint narrative:
XXXX, XXXX, and Experian are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.

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 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email from Chase saying my account was being closed and also that my number was deleted from my account. I called the next day in the afternoon trying to figure out what it all means. I have had my chase account for years, i first started with liquid then this. I asked what the reason behind it was and they told me they can not tell me. I was confused and frustrated because I use this account for everything and I also have just moved from California and thats the only bank i use in case family needs something because we all have that bank. I wish they wouldve spoken to me before just closing it without an explanation or allowing myself to provide my information or even show them i have my card. They said there was suspicious activity but i have my card and every alert and notification comes to my phone and email so I was very confused. I do not wish to go into the check system because ive heard those are hard to get out of especially since ive done nothing wrong and i dont want my credit affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: FL

Complaint narrative:
Transunion, XXXX, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.

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 2021-09-05 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial Company LP and or XXXX was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have Cardinal Financial Company LP and or XXXX provide proof that I authorized a credit pull. When Cardinal Financial Company LP and or XXXX fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX ( XXXX XXXX ) XXXX FOR {$720.00} WAS REMOVED FROM TRANSUNION ON XX/XX/XXXX AND WAS REINSERTED ON XX/XX/XXXX. I NEVER RECEIVED A NOTIFICATION THAT IT WAS REINSERTED ON MY REFPORT. ACCORDING TO MY RESEARCH, BY LAW, THEY SHOULD NOTIFY ME WITHIN 5 DAYS AFTER THEY PUT IT BACK ON MY REPORT. I SENT COUPLE OF LETTERS REGARDING THAT BUT THEY NEVER RESPONDED

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 2021-09-05 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and or Credco was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have XXXX XXXX XXXX XXXX and or Credco provide proof that I authorized a credit pull. When XXXX XXXX XXXX XXXX and or Credco fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.

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