vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company
State: OR

Complaint narrative:
I have received a letter from Evergreen Home Loans on XX/XX/2022 accusing me of not furnishing my Condominium Unit Owner Insurance and force-purchasing insurance for my property at an astronomical cost ( more than {$800.00} ) while I indeed have my own property insurance purchased at a much lower cost. I have submitted proof of my Condominium Unit Owner Insurance FOUR times in the past 2 months previously but the loan company ignored all of my communications making me believe that they are attempting to force their own insurance on me no matter what the situation is. 

I received the first letter from them requesting insurance information this year on XX/XX/2022 and on the very same day I submitted the requested information on Evergreen.Providemyinsurance.com per the letters instructions. 

Nevertheless, I received another letter on XX/XX/2022 suggesting that the information was not received and threatening that insurance would be purchased for me at a very high cost. I then - Immediately contacted them over the phone on XX/XX/XXXX and was instructed to send the document again to XXXX. The e-mail was sent on the same day and the phone agent informed me that it would be taken care of within 24 hours. 

On the same day ( XX/XX/XXXX ) I also re-submitted the document on Evergreen.Providemyinsurance.com. 

My insurance company also faxed the insurance declaration on XX/XX/XXXX to their companys fax number. 

Despite spending all these time and effort furnishing the property insurance information to them in various ways, they still keep disturbing and harassing me. I find this business behavior of force-purchasing insurance in spite of the fact that I have fulfilled my loan requirements very dishonest and unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: TX

Complaint narrative:
I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected.There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: MO

Complaint narrative:
I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.

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 2022-11-26 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:
Good evening, too whom it may concern, I checked my Transunion credit report and I noticed a lot of fraudulent hard inquiries. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Complaint # XXXX. Please see attached. Transunion has yet to block and remove all the fraudulent hard inquiries from my Transunion credit report, and send me an updated copy of my credit report. It look like someone tried to get an auto loan under my SSN. The following items do not belong to me and is a result of fraud that I did not authorize : 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 HAVE CONTACTED EACH COMPANY ABOVE AND LISTED ON THIS FCT REPORT AND MADE THEM AWARE OF THE SITUATION. PLEASE REMOVE THESE FRAUDULENT HARD INQUIRES FROM MY TRANSUNION CONSUMER REPORT ASAP. THIS IS HURTING MY CREDIT SCORE AND REPUTATION. Also please place a FRAUD ALERT on 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 non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried so many things to get things that are not accurate on my credit report with Experian, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XXXX I have even called XXXX  and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is on there two times as well.

It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX XXXX  I have never even heard of it until I XXXX and I don't even live near there at all. It needs to be removed as well XXXX is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern, To keep this as succinct as possible, I will begin by listing the important date. 
After several face to face interactions, phone calls and emails regarding the sole proprietorship account under the legal name that I use, XXXX XXXX XXXX. What concluded was a final position statement made via email on XXXX XXXX, which can only be described as color of law. That email reads as follows : We are unable to complete your request to be removed as a sole owner or to list as Power of Attorney with no listing owner on the account. 

As the holder in due course of the legal name, I have the power to appoint anyone as power of attorney, including myself, XXXX XXXX XXXX the living man, to speak and act on behalf of the said legal name I use. I, as holder, am also able to sign as the authorized signatory for said legal name. Nobody at Wells Fargo has been given permission by me to title anybody on the sole proprietorship under the legal name I am authorized and entitled to use. 

Thanks in advance for your time, XXXX XXXX XXXX XXXX XXXX XXXX.

without prejudice

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
I tried using LexingtonLaw and I still aint be able to build my credit with a credit card I never had a credit card or a loan I need to build my credit can u help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/2022 applied for an apartment. Paid application fee ( {$75.00} ). The leasing office proceeded with our application as if we 100 % decided to move to that complex. However, I stated that we had questions before continuing with this process ; we're approved but had rental questions. Leasing office proceeded regardless of my questions, disregarding any questions that I needed answered. We found another complex we decide to move forward with. The first complex charge my bank account fraudulently ( {$350.00} ), and my bank refunded my funds. Now that amount they think I owe ( {$500.00} ) is in debt collection. Ruining my credit score I'm working very hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I originally applied for a loan for XXXX $ and theyre charging me a XXXX  % annual interest rate. They have me making XXXX $ payments all the way into the middle of XXXX. Ive paid off the amount I was loaned. The name of the company is also different from the loan company that gave me the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX XXXX 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
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried so many things to get things that are not accurate on my credit report with XXXX, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XX/XX/XXXX. I have even called XXXX and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX  XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX is on there two times as well. 
It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX - I have never even heard of it until I XXXX  and I don't even live near there at all. It needs to be removed as well Transunion is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XX/XX/XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.

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 2022-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: PNC Bank N.A.
State: VA

Complaint narrative:
Credit Card was issued from PNC Bank and it was used without my knowledge. My SSN is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation