vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: DC

Complaint narrative:
I requested a mortgage assumption on XX/XX/22 via letter and I have yet to receive any of the documentation for it. I have called multiple times since, confirming receipt of the letter and asking when the paperwork would be ready but the agent always says the work order will be ready tomorrow. The agents on the line have referenced a title signing but have not sent me any of the paper work needed for the assumption, they want me to sign over the title to my house without sending me any of the paper work before hand to know what I am signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
Called and asked for a payment extension to help bring my account current. Made Payment for XX/XX/2022. The extension was processed yet they reported my account as past due for XX/XX/2022 when I made the amount required to process the extension. No payment should have been required to be made until XX/XX/2022. My payment is {$690.00}. I paid {$690.00} in XXXX and {$720.00} in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the Aformentioned Company is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State . CAINE & WEINER Opened XXXX XXXXXXXX XXXX  Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00} CAINE & WEINER Company is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State they are not licensed to collect or authorized or have jurisdiction to collect debt in the State of NEW York Also I have no knowledge of the original creditor progressive and have never received correct correspondence afforded me protection under the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: KS

Complaint narrative:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people.

These are clear violations of my federal 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 2022-06-29 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: KS

Complaint narrative:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people.

These are clear violations of my federal protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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:
In accordance with the fair credit reporting act 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 XXXXXXXX XXXX XXXX XXXX XXXX at 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 and account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
I have a loan with freedomfinancialnetwork.com and I am currently 29 days past due. 
I attempted to make a payment via the online portal and it would only allow me to make a payment on XXXX when today is XXXX. 
I realized this would put me 30 days past due. 
I called their customer support line to find out what alternative means there was to get the payment in today XXXX or tomorrow XXXX. 
I was informed there was no means other than their system which sets the payment posting date 2 days after a payment is made. 
They do not offer any other means such as a money order via next day delivery service, XXXX or XXXX XXXX where the funds are guaranteed to credit the same or the next day even though they will accept the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

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 2022-06-29 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

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 2022-06-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: SC

Complaint narrative:
Had an account with this company in XX/XX/XXXX account was charge off and closed. After the account being charged off and close they still report to the credit bureau as miss payments. You can not miss payments on a closed account. The company knows the law and they need to remove all late payment from the account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and not report a closed account to the credit bureau for late payment. I have contacted the company several times to stop but they continue to report late payments on a closed account. The account should be removed I never open the account on XXXX XXXX XXXX as they stated.

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 2022-06-29 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Covid hit and completely halted all of my income for 24 months. Until corporate leaders have people come to the office my leadership development firm was closed. It has started to trickle back. Select Home Mortgage has promised me since XXXX that just one more piece of info and we will do your modification. I have begged to make a payment, but they won't accept XXXX. On XXXX XXXX, the date of Select 's correspondence arrived after the holidays via us mail to my house on XX/XX/XXXX. After opening I tried making a trial offer on payments, however, the offer expired on XX/XX/XXXX the day before I got the notice. Select would not honor a payment and have weekly asked for new things to a point now they are asking the same questions or newer documents in which I have sent everything they have asked. It's just a game to steal my home on account of the epidemic. Every time I talk to them and get the specifications on what they need they tell me I am approved and will be notified in days only to get another request which I have already sent in. I asked for a modification and can make payments. I need help, please. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Two months ago ( XXXX XXXX ) I submitted a request to Grain 's support ( Ticket XXXX ) asking for helping changing my attached bank account as I was closing my XXXX XXXX account and did not want disruption in my Grain account relative to payments. No one ever got back to me on this ticket. In XX/XX/2022, I submitted a request to close the Grain account ( Ticket XXXX ). No one ever got back to me on this ticket.2 Weeks ago I submitted another ticket XXXX to close this account. A response was provided I needed to pay the balance ( {$360.00} ) in order to close the account. However I am not able to make a payment unless I connect to a new bank account which is not allowed online nor in app. It can only be accomplished by support tickets which remain ineffective. Today I see that I have been charged a late fee and additional interest due to missing the last payment. I have trying for over 2 months to pay this account in full. I want this late payment removed from all credit bureaus and I want to be able to pay the balance and close the account. I actually liked Grain. Its been very helpful in helping me build up my credit. However their customer service/support is inadequate. I very badly need to be able to pay this account off and close it and they are making this task impossible. I submitted 2 more tickets today ( XXXX and XXXX ) requesting assistance in linking to a new bank and closing this account. I will even mail in a cashier 's check. I just need to be able to close this account and it shouldn't take XXXX plus months to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We refinanced our home in XX/XX/XXXX. In late XXXX our insurer billed our new mortgage company for the annual premium. our mortgage company paid {$220.00} of the {$1600.00} annual renewal out of escrow funds. 
We started getting notification from the insurance company that unless the balance due was paid by a certain date, the insurance would cancel leaving our VA mortgaged home without coverage. The insurer also notified the mortgage holder to the best of my knowledge. I called the mortgage company and talked to a customer representative who advised me that is how they did things, pay by the month on insurance, etc. that sounded strange to me. our mortgage company did nothing, I received a letter from the insurer of their intent to cancel which I scanned and sent to the mortgagor. They paid the remaining balance almost immediately. the dates involved are XXXX XXXX thru XXXX XX/XX/XXXX. 
the mortgage company sent a letter to me requesting verification of coverage during that time period. 
when we were told the policy had in fact been cancelled we paid out of our pocket to reinstate the policy a sum of {$130.00}. this was placed on a credit card. after the policy was paid in full by the mortgage company from escrow funds, we were reimbursed by the insurance company. 
we kept getting letters from the mortgage company stating they needed coverage verification or they would charge {$100.00} for single interest insurance for those 17 days. 
we kept calling trying to get someone online to address this fiasco, we talked to several people, some told us we were ok, that was just a form letter, some told us they were opening a research task and would notify us of the results. 
this continued from XXXX until XXXX, at which time the mortgage company charged us {$100.00} and took the monies out of escrow funds. 
I am concerned that the mortgage company did not pay the annual insurance renewal when it was billed, that they are trying to hold me responsible, and that their customer service representatives are not as knowledgeable as they should be. 
the insurance providers correspondence states that if the mortgage company pays the bill from escrow the mortgagee doesn't need to do anything else, and in the mortgage companies escrow logs they state that they are the responsible party for paying the bill on the customers behalf. I took them at their word.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, as a consumer, living man and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. 
Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. 
Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. 
Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, CAINE & WEINER COMPANY INC does not have my written instruction to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( Progressive ). CAINE & WEINER COMPANY INC must adhere to a consumer 's right to privacy. 
With the aforementioned violations and the FDCPA violations listed on the attached markup presentment dated XX/XX/XXXX. 

Account Name : CAINE & WEINER COMPANY INC, Account Number : xxxxxx XXXX has violated my rights multiple times and for years now. 

Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. 

Executed this day XX/XX/XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.

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