vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I refinanced with XXXX XXXX ( Residential Mortgage Lender ) .There have XXXX policies issued due to failures to pay that resulted in lapsed and eventual cancelled home owners insurance policies. At the time of my refinance with XXXX XXXX I had been insured with XXXX XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. My policy was cancelled with XXXX because XXXX XXXX failed to pay it. This is the first policy cancellation. I called and spoke with an agent at XXXX XXXX XXXX XXXX XXXX. I was told there was nothing to be done because they had received the invoice late. I called my home owner insurance agent and began a new policy with XXXX insurance beginning in XXXX of XXXX. This policy was cancelled for non payment in XXXX of XXXX. This is the second policy cancellation. The same scenario occurred when I reached out to XXXX XXXX to try to resolve the problem. I was told the invoice was received late but when I spoke with XXXX and my insurance agent, both informed me that invoices were sent in XXXX, XXXX and a final cancellation notice in XX/XX/XXXX. 
I now have a new home owners insurance policy with XXXX insurance. This is my third home owners policy in XXXX years caused by non-payment from XXXX XXXX XXXX XXXX Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Tried to unfreeze my credit with Experian credit report the system locked me out, I tried calling them, and I just get the automated system which can not help me and will not transfer me to a real person. My problem is easy fixed it a human would talk to me. Until them my credit remains frozen.

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to TransUnion to have unauthorized Hard Inquiries removed from my credit 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 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I took out a loan with Tower Loan XXXX on XX/XX/XXXX. During that first 6 months I was able to make payments conveniently via online or by phone monthly. Due to an error on my part there was an XXXX for the XX/XX/XXXX payment which was immediately addressed and paid. It was then difficult to conveniently make payments to my loan. The companies online and phone systems are not available to me for convenient payment options. Tower loan will not accept payment via check nor debit card from me because of this one account oversight with the XXXX The representative advise that I must come in person to make these payments as I am locked out of these convenient payment options for a full one ( 1 ) year due to one XXXX  on my payment history. The office hours and travel time of over XXXX minutes to their nearest locaction to pay in cash make it extremely difficult to make my payment in a timely manner.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
La forma cmo disputan esta incorrecta, quiero que me expliquen porqu reportan high balance tratando esta deuda como si fuera credito y nunca recib cartas de esto pues soy clienta de ellos hasta ahora.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am unable to place a freeze on a my credit file. The website reports : We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 

... but I have been trying several times. It sounds like they would rather continue to profit from selling my data then by complying with consumer protection laws. 

Sure wish I had a lobby in Washington.

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 2022-02-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( XXXX ) ( Equifax, XXXX, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( XXXX ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( XXXX ) Equifax, XXXX, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am actively repairing my credit. I have paid off credit cards. The one XXXX XXXX credit card I paid off I closed. The other one is open and I am thinking of closing it too ( I dont ' see the value ). However experian has fraudulent charges on the report. The total balance is 0. The experian reports shows a balance of {$400.00} when in fact, it is paid-in full, in great standing and never late. However can anyone get a Great credit score if the information is wrong. 

Can you please assist?

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 2022-02-09 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE 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 2022-02-09 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/21 and XXXX. XX/XX/21 ) - IGNORED/NO RESPONSE. The XXXX letter involved account showing multiple inconsistencies. XXXX letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! XXXX letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... XXXX have now taken it upon themselves to change the status of this account from charged off to open!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I originally contacted XXXX XXXX XXXX XXXX for services ( XXXX Tx ) for legal services ( protection order/divorce ) XX/XX/2021. 

Upon agreement of services I was put on a payment plan to be considered eligible for services to begin on my behalf. After second payment, I contacted them letting them know i was no longer interested in services. Due to new transitions and move to new state ( new mexico ) in order to remain protected from my abuser currently residing in XXXX XXXX XXXX, Tx. ) XXXX XXXX XXXX XXXX continued to charge my card for services, causing me to end up in overdraft status and eventually bank account closure with Frost Bank. 

Frost Bank has been trying to contact XXXX XXXX XXXX in reverence to my dispute claims against continuation of unlawful charges against my request. 

Pending dispute is still pending ( over 90 days ) due to non response of XXXX XXXX, XXXX XXXX. I am now required to put my account in a payment plan status so that it wont end up in collections, and affect my credit. 

XXXX XXXX XXXX XXXX Frost Bank XXXX My number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE 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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to XXXX XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
I have submitted multiple documentation to prove that I am a victim of identity fraud I later received A response from TransUnion that the account come back verified after I sent them my Ftc report and police report the information should have been blocked and removed from my credit report before the investigation started I have disputed multiple times with Transunion and XXXX XXXX XXXX  XXXX and XXXX has already removed the fraudulent account XXXX months ago I have submitted a new police report and a new FTC report related to the fraudulent account I have consulted with my attorney general office of the consumer protection division I also complained against TransUnion and I have consulted with my attorney TransUnion will have 30 days from the start that I send in my documentation again or I will file a federal lawsuit in their state with my attorney 's office also the account was fraudulent with a balance of {$440.00} opened XXXX XXXX 2019 I am attracting a new police report filed with my local Police Department and also a ftc 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 2022-02-09 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief