vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: CT

Complaint narrative:
I am attempting to recast my mortgage, paging down the principal to get below the mortgage insurance threshold. I called the lender and they directed me to an email address. The instructions were to include details about my mortgage and proposed recast amount. I provided the information and have followed about several times over the last 2 weeks but have received no response. 

This process is not clear for the customer and makes it difficult if not impossible to achieve the goal of recasting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I made a cash deposit of {$970.00} at the atm located XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. The atm jammed and did not deposit my money into my account. I filed an atm dispute claim and got denied. I took this all the way up and my claim was still denied. They stated that on the letter they sent me there was no error and there was because my money was never deposited into my account. I have a recipe of proof. And they still denied my claim. This is unethical and theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Commencing on or about XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent firm

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 2023-09-12 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
In accordance with the fair credit act these accounts has violated my rights : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all hard/ soft Inquiries on my Consumer report removed. I never gave these companies permission to inquire my consumer report.

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 state that a consumer reporting agency can't furnish a accounts without my written consent.

15 U.S Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Reinvestigate the completeness of every piece of information.

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 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
15 USC Ch. 116 : CORONAVIRUS ECONOMIC STABILIZATION ( CARES ACT ) Remove negative during natural disaster up till XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to XXXX  XXXX regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. XXXX XXXX XXXX reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed XXXX XXXX XXXX CEO XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to XXXX  XXXX regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. XXXX XXXX XXXX reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed XXXX XXXX XXXX XXXX XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned 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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
I paid my XX/XX/2023 payment which was part of a series of Trial Payments. After the loan modification was processed, my statement said I was due for XX/XX/2023 again. I have filed a complaint with the bank and nobody has contacted me to fix this issue. I'm retired and on Social Security. I have also been charged late fees that should be refunded. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I received a notification of a new collection from Amsher collection Service of {$640.00} reporting on my XXXX report. Now I recently disputed this amount from a different collection agency XXXX  XXXX on XX/XX/2023 and it was deleted from my credit report immediately. I have mailed a letter to Amsher collection service on XX/XX/2023, requesting to validate this debt owed is accurate, provide me with evidence that this debt is owed to Amsher Collection Service, provide me evidence of my signature. No such evidence was provided to me in XXXX days that was given. Then I tried to dispute the collection online through XXXX and without giving any further information it is coming back as verified. 

I have filed an identity theft report and that report will be attached, I will also attach the letter I sent to Amsher Collection Service, attach the other collection agent that attempted to collect debt that was deleted immediately and also attached the attempt to delete through online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
Dear Sir Sir Wise Company Closed My business account without any notice and mail. Sir I know that I accept his terms and conditions. Then Tell me what the illegal activity in my account that they closed my account so i just want to know give me any valid proof that they have in my account so they closed. that a illigal action that they are closing accounts without any reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I was notified by PayPal that I owed them XXXX for XXXX bills presented by XXXX : XXXX for XXXX and XXXX for XXXX. 

I immediately transferred XXXX. You will see it in green with a + in the docs I am sending you XXXX XXXX XXXX XXXX XXXX + {$23.00} PayPal then rebilled me a second time. They drafted my chime debit card {$5.00} AND XXXX a second time on XX/XX/XXXX. 

Then this morning on XX/XX/XXXX, they refilled for a third XXXX. They thought I would not pay attention because it was combined with another payment of XXXX making it a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the fair credit act these accounts has violated my rights : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all hard/ soft Inquiries on my Consumer report removed. I never gave these companies permission to inquire my consumer report.

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 state that a consumer reporting agency can't furnish a accounts without my written consent.

15 U.S Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Reinvestigate the completeness of every piece of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
In accordance with the fair credit act these accounts has violated my rights : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all hard/ soft Inquiries on my Consumer report removed. I never gave these companies permission to inquire my consumer report.

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 state that a consumer reporting agency can't furnish a accounts without my written consent.

15 U.S Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Reinvestigate the completeness of every piece of information.

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