vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MI

Complaint narrative:
I obtained a loan modification in XXXX from XXXX. After I got it, they sold my loan to another company. They in turn sold it to another company with it being sold every year. My taxes and homeowner 's insurance were part of my mortgage payment. When it went to XXXX in XXXX, they stopped paying my homeowner 's insurance and told me to do so on my own. I did so and have paid it myself for over three years. In XX/XX/XXXX my loan was sold to Selene. I continued to pay my own insurance for over a year and a half. Selene suddenly started accusing me of not having home owner 's insurance. I sent them verification that I did and they acknowledged that they received it and are aware that it is paid in full for the calendar year. All of a sudden, they have decided that they want to pay the insurance themselves and have increased my mortgage payment by {$260.00}. This is more than I pay yearly for home owner 's insurance. When I called them about it, they said it included my taxes. I told them that was not true as my taxes have not increased and I pointed out that my previous payment included my taxes without the insurance. Thus, the increase was for my insurance. They then said XXXX told them they paid my insurance when it was sold to them and that XXXX had last paid my insurance in XX/XX/XXXX. I told them this is not true as I have paid my insurance myself for 3 years. They then said they did an analysis when they bought the loan in XX/XX/XXXX and that's why I am now being charged for insurance. I asked them why did it take a year and a half for them to tell me they wanted to do this? Further, I advised that I never received any analysis or documentation from them about this, and that they had told me in writing, email and over the phone that they accepted that I would pay my own insurance. I also questioned why they were charging me more to escrow my insurance than I pay, and why they are charging me for insurance that is paid in full already. They said they would collect the money and have the insurance company refund the money that I paid them already. So in effect they would be voiding my paid in full policy for their own benefit. I talked to them about a waiver wherein I continued to pay my own insurance but was told I wouldn't receive one. So, they have lied about allowing me to pay my own insurance, the reason for the mortgage amount increase, about XXXX paying my insurance, and their property analysis which was never sent to me. The fact that they have consistently lied, and want to charge me for insurance that is already paid in full, and more than I pay is concerning to me. I want to pay my own insurance as I have previously done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  I received an email from capital 1 that a new account has been opened in my name. I called customer service and we determined that it was open fraudulently. Therefore I department was not open on a Sunday. I called this morning and had the account frozen and deleted. I was advised to file a police report, file a claim on this website, and report to XXXX, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-16 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: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-16 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: CA

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 : It also states a consumer reporting agency can not furnish a account without my written instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear CFPB, We have an ongoing problem with Equifax Commercial that Equifax has done nothing about. Equifax has been notified in writing several times, in the past 18 months regarding an issue with our Equifax Credit Data at XXXX. Attached are some reports, recent in XXXX, XXXX and XX/XX/XXXX from XXXX that show our Credit with XXXX XXXX  XXXX, XXXX, and Equifax. Note that Equifax is showing a " Charge off '' in my Credit History if you can open the Attachment with the XXXX  and a D Risk Rating for my company assigned. 

If Equifax feels that this data is accurate please let me know. If Equifax disagrees with what XXXX is showing in our profile to potential Lenders, then Equifax must finally do something about this and reach out to XXXX to see what is going on in the Contract between Equifax and XXXX. 

As per the attached recent correspondence, attached. Our Lawyer sent a Letter regarding this erroneous Credit Data that is False and Fake from Equifax on the XXXX company profile for us. Equifax has not yet responded. However, XXXX has an Inside Counsel named XXXX XXXX who is " Standing By '' their Assessment, that he says is " According to Equifax '' That XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( my company ) needs to take up this issue with Equifax. 

Every single Letter, Call and Report to Equifax about this Alleged Charge-off that Equifax is reporting on my company that we have sent in the past 2 years ( since XXXX ) has been ignored by Equifax. Equifax sends sometimes a copy of my company 's Credit Report that is clean and does not have any negative information, however the XXXX company when they see that still refuses to make the correction. Equifax is not handling this properly and we are demanding that Equifax will review the Attached information where XXXX is claiming that " Equifax Says that XXXX XXXX has a D /386 company score ''. 

Also they ( Equifax ) refused to send me copy of my recent Business Credit Report the last time I called. I can't understand why they ( Equifax ) would not want to help us to have this mattter corrected and resolved. Further, Please let Equifax know that According to XXXX XXXX, Inside Counsel at XXXX ( Please see all attached ) the ONLY WAY TO GET THIS MATTER RESOLVED IS WITH EQUIFAX. 

I have also attached a copy of our Equifax report first page from 6 months ago for this. Please let me know what you find out! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EIN number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a CitiBank account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.

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 2022-05-16 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: CT

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account XXXX  : XXXX XXXX XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights 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 instruction.

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 2022-05-16 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: CT

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
XX/XX/2022 I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX   ONLINE STREAMING SERVICES since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I applied for assistance from XXXX  XXXX XXXX, an HAF grant program, in XX/XX/2022 and was made eligible for assistance in XX/XX/2022. In order to receive up to {$40000.00} in assistance, Specialized Loan Servicing ( SLS ) signed a Collaboration Agreement with XXXX  XXXX  XXXX  on XX/XX/2022, and received credentials to send all necessary paperwork in by XX/XX/2022. 

I've spoken to SLS several times and received conflicting responses about my application; one person said they hadn't received the request for paperwork from XXXX  XXXX XXXX, and one person said they did receive the request from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX said they submitted all requirements and requests to SLS, so I don't why SLS has conflicting responses about my application. 

If SLS doesnt send the requested paperwork as soon as possible, the total amount past due will increase beyond {$40000.00} on XX/XX/2022, and I will be made ineligible for HAF assistance. Further, because Im in foreclosure, SLS pas a policy that wont let me make partial payments to the total amount owed; if SLS would let me make a partial payment, I can keep the total amount owed under {$40000.00} and XXXX XXXX XXXX  can bring the mortgage current. I have provided sufficient documentation to SLS to prove I can make regular monthly payments once SLS allows XXXX  XXXX XXXX  to pay the total amount owed.

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2022, I paid {$580.00} to XXXX XXXX XXXX, for an appraisal on my house, for a refinance conventional mortgage with PenFed Credit Union. I have never received a completed appraisal. PenFed claims the XXXX will not sign off on an appraisal until alterations are made to the property. This was not agreed upon prior, and if they will not complete the appraisal, a full refund should be issued as they will not be fulfilling their obligations. The mortgage company refuses to move forward with a completed appraisal, which the appraisal company, which was chosen by PenFed refuses to complete.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
XXXX XXXX XXXX I recently obtained a copy of credit report and XXXX is reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I have requested that they allow me to validate the alleged debt. To provide me a breakdown of all charges, dates of service, and procedures given including fees associated. 
Addictionally, I am allowed under the HIPPA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my requested is twofold and as follows ; Validation of Debt and Hippa Authorization -Please provide a breakdown of fees including any collection cost and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me To send this information to my mailing address listed above and accept this letter as my formal validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I requested FULL documentation of what they received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute : TAB SERVICES THANKS

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 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Someone got a hold of our SS #... They applied to three banks. 
On or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX -- reported to me by XXXX and XXXX XXXX denied XXXX XXXX - reported to me by XXXX and XXXXXXXX XXXX denied CITI BANK.. as reported to me by XXXX ... and Card was approved and sent to my home. 

During this process, we put a FREEZE with all three credit agencies. 
CITI Bank had probably approved card before the FREEZE took effect. 
I called CITI bank to cancel the card... on Friday XX/XX/XXXX, the day I received the card. 

CITI bank had some information about the people who applied. 
Different email address, different phone numbers... that do NOT apply 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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
On XX/XX/2022, I sent a letter to IC Systems because I noticed a debt reporting to which I did not have any knowledge. I was denied the dunning period and the account was intentionally reported to my credit causing my score to drop drastically. My rights were violated because I was not notified of the alleged debt owed and when I tried to fix the issue, the debt was immediately transferred so that I could not even settle the debt, if that was even a possibility. 

Since I was not notified of the deletion, I checked a later report. I immediately contacted IC Systems XXXX, XXXX and XXXX by mail to make them all aware of the account being added without verification and the violations that occurred. At that time, on XX/XX/2022 I sent an invoice to be paid as a result of the violations and intentional and willful harm this unverified account caused me. I have included the tracking number for the documentation sent below on tracking USPS receipt. I was ignored again, same as before by senior management and the owner of the company. Below are a list of violations that occurred with IC System and still to this date, no true resolution has occurred as I was harmed intentionally and I do believe it was done so with malice and I am unable to get any communication from anyone. I do not believe they will communicate with me under any circumstances that are just between them and myself. 

Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions

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