vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX  XXXX  : XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 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 In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX, so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX  complaint for anyone to access.

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 2022-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I closed on my loan in XXXX. XXXX Mr. Cooper stated the title company shorted them on the payoff. They said for this reason they returned the wire funds back to the title company. I had a call with the title company and Mr Cooper on XX/XX/XXXX and we stated we could send them the difference for the shortage. They said no and that they had already returned the wire. To date the title company has not received the wire back. Every day they receive a call and say the same they will have to escalate and that there is a XXXXXXXX XXXX turn around. This have been going on for XXXX XXXX They continue to draw interest on the funds and this is also impacting my XXXX XXXX, even though I have the proof of closing on my loan. They have not even provided the ID number for the wire so it can be traced. I am tired of their excuses. Additional call log from XXXX XXXX XXXX wire was sent on XX/XX/XXXX to pay off loan. Taxes and XXXX  were disbursed, leaving the payoff short {$10000.00}. XXXX has funds since XXXX to send to Mr. Cooper but they advised wire was sent back already so shortage could not be sent in. Mr. Cooper states wire was returned on XX/XX/XXXX but no record in our bank shows this wire coming back. 
XXXX to XXXX to look into issue-was advised no info could be provided an ETA of XXXX XXXX to look XXXX where the initial wire of {$290000.00} was as we have not received back yet. 
XXXX back and was advise answer could not be given-no XXXX provided- another client escalation put XXXX for XXXX of XXXX XXXX to provide XXXX XXXXXXXX number to locate wire XXXX called back, spoke to XXXX, could not provide another as it XXXX take XXXX XXXX XXXX they advised. 
XXXX to XXXX at Mr. Cooper XXXX what the XXXX is. No update, they escalated to XXXX who was supposed to call us back, no call back. 
XXXX another client escalation would need to be put in to locate federal reference number from bank to locate wire.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, violated my rights. 


15 U.S.C 1681 Section 602 AXXXX 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 a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & out # XXXX, 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 XXXX 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 a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive had XXXX payroll checks deposited into my account. Each of which they have placed holds on my account and the check. They have just taken every XXXX from my account saying the funds weren't available. I have gone to the branch and they refuse to help and i have spoken to XXXX loss prevention supervisors over the phone XXXX of which hung up with me. Ive requested to speak with a department manager and have yet to receive a call. Ive been told multiple lies and they have not resolved the problem. Im looking to hire a lawyer to resolve this issue for time loss and also damages because they have taken my money that i have worked for, how will i pay my bills, my mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX XXXX Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I was charged by a vendor XXXX dollars for a purchase I did not make and XXXX XXXX XXXX  refuses to dispute the charge. They say its a scam and not a fraudulent charge.

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 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Please see complaint no XXXX My Citi  online access hasn't been working for sometimes and I've contacted the company several time without getting any response. Their websites never work properly, there are so many issues from failing to response properly to other risks such as opening multiple accounts at once. I need immediate response as I have been on paperless mode for more than 5 years and now can't check my statement or make payment. 

I have sent Citi 7 emails to Citi XXXX XXXXXXXX XXXX regarding this. 
Prior to that, I was told what to do over the phone but it never worked and I sent the screenshot to them. I never got any response. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I began to work on my credit in XXXX and noticed that Allstate Credit Bureau was reporting an account from a previous lease at XXXX XXXX XXXX in XXXX, Michigan. I moved out and after a shooting occurred that caused damage to my apartment. I requested that the repairs to the property be made directly after this incident. It took the property management nearly XXXX months after the incident to make repairs. This did not happen until nearly XXXX of XXXX. At that time due to personal safety, health, and mental health concerns, I left the property and gave notification in XXXX. I allowed an appropriate time for resolution and repairs. Because the property management failed to provide a " safe '' and " inhabitable '' living space, I gave written notice of my wish to terminate my lease. It was only AFTER I submitted this written request that repairs were performed 3 days later. 

Their failure to make the space " safe '' after a shooting, as well as " inhabitable '' after the shooting in a timely manner is a CLEAR violation of the Michigan XXXX and XXXX Rights. Because of this violation, I demand that my previous lease be broken without any financial and/or credit worthiness penalty to me. And removed from ALL CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
My loan is with Superior Loan Servicing. I fell behind my payments and made contact immediately with them. I applied for a loan modification but never was I appointed some one or a single point of contact to discuss my petition for assistance, I was just told my application was declined but no reason why. I now borrowed the money in order to catch up but the lender or servicing company, SLS, is charging me an additional {$7000.00} dollars and the interest because I fell behind my payment went from 9.990 % to 17.990 %, increasing my payment from {$3000.00} to {$5300.00}. Now that the money I borrowed does not cover the excessive fees and charges I contacted the California Mortgage Relief, submitted my application, but I got an email from the program stating that my mortgage servicer is not currently participating in this program. that under current program guidelines they can not continue to process of my application if the servicer is not participating. My application is on a " on hold '' status for 30 days. If the servicer joins the program before the end of that period, they will update and reopen my application for review. I feel this is predatory lending by SLS and their only interest is to auction my property. This is a matter of extreme importance to me, I do not want to lose my home and be homeless. I was already a victim of predatory lending when I purchased the property, as the loan officer initially asked me for a low down payment but ended up paying XXXX dollars as a down payment and had to borrow money from the agent in order to close my purchase. This is the reason I have no other savings or resources to pay my mortgage and fell behind my payment as of XXXX of this year. Thank you for your collaboration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
My mortgage is serviced by XXXX XXXX XXXX and they foreclosed on my property on XXXX. The last mortgage statement from XXXX, I owed {$92000.00} at the time of the foreclosure. My property sold for {$130000.00}, so there is a sizable overbid available. XXXX has refused to issue their final lien amount to the court, even though many requests have issued regarding this. I have an attorney representing me on the overbid claim... it is clear that XXXX is stalling to try and over collect on the balance due. They are trying to strip away the equity left that is due to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've disputed a medical collection that does not belong to me on my credit profile with XXXX XXXX the collection agency, Experian, XXXX and XXXX in the amount of {$1200.00} starting XX/XX/22. They claimed it was opened on XX/XX/22 but was not reported on my credit report until XX/XX/22. I have sent a dispute letter to XXXX, XXXX, XXXX and Experian. I have not received anything from XXXX as to whether this collection actually belongs to me and they have added this to my credit reports with a commercial address. In fact, XXXX removed it from my credit report, XXXX removed it from my credit report and added it again 1 week later without any notice of the investigation process. 

Experian has verified it as accurate today, XX/XX/22. There is no way that Experian actually investigated this because had they did their investigation they would see that I don't live in a commercial building and I supplied proof of my residence with my drivers license. How can Experian say that it meets requirement of the Fair Credit Reporting Act when they clearly haven't done an investigation. Who did they verify this information with? I would like proof of where they confirmed this information showing the medical procedures and proof of my signature. I do not want it added back to my credit reports now that I have pointed out the mistake. I hear that Experian is being sued for allowing commercial addresses to be reported to consumers profile and it looks like I may be a victim of this. I would like this deleted from my XXXX and Experian credit profiles.

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 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I escrow my taxes and insurance specifically so I don't have to worry about them being paid at the end of the year. My lender is JPMorgan Chase Bank. This year they did not pay my home insurance and it lapsed. Once I was notified of this I had to find a new insurance. At this point 12 days had already gone by. Then I received a letter that Chase was going to charge me {$900.00} for the 12 days of lapsed coverage.. I called on XXXX separate occasions, each XXXX weeks apart to speak to someone who said the filed a request to waive this. Each time I was told I would be called back within 10 days ( no one ever called me back ). I tried to get insurance for the 12 days on my own but no insurance company would insure me for past days. The whole situation is ridiculous because no insurance company would pay out anything anyways if I filed a claim and said it happened within those 12 days. This is completely the fault of my mortgage company who failed to do what they were supposed to do with my escrow money. They collect all the interest on me prepaying my escrow and then they never paid the insurance company and they take it out of my account as a penalty afterwards. I feel like my mortgage lender is bullying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
these were open not be one online and one in a store which i contacted them several time to prove this was mine they did not the adrees these acct took were wrong. and my privacy and consent has been violated. There is no law stated that these are to be report they closed the acct and still reporting

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 2022-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive disputed accounts with Experian, XXXX, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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
Consumer complaint received 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 {$990.00} was sent to an unauthorized user named XXXX XXXX. I was hacked and my money was stolen. My aunt sent me {$25.00} and instead of it being deposited to my bank it would go towards paying for the negative balance I have over an unauthorized transaction. I filed a police report at the XXXX XXXX and have the case # but hasnt begun because cashapp told me to in order to begin an investigation and havent heard of it for over 3 months now. This fraud happened in XXXX of 2022 and we are now in XX/XX/2022. My legal name was changed to XXXX XXXX and Im unable to speak to Cash-app representatives over the phone for security purposes. Reached out several times to cash-app support chat and still havent received a response. This ongoing investigation was supposed to be resolved by now and havent received a resolution. My privacy rights have been violated and my identity has been misused or mistolen by a different name that is not me!

Company response to consumer: Closed with explanation