vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, Please see below and attached - there's incorrect personal information on my credit report that needs to be fixed immediately - as its damaging my ability to be verified for credit. 

Attached are : - written and signed complaint - drivers license, social security card, address Please have this fixed immediately.

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 2023-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Panorama Mortgage Group, LLC
State: NC

Complaint narrative:
My mortgage was transferred to Panorama Mortgage Group, which is the most unprofessional, amateurish company Ive ever had to work with. They dont allow you to create an online account to make payments and track progress and confirmation. Im not even sure that my payments are being applied as they do not send statements. They arent reporting my mortgage to the credit bureaus. Ive had problems with them paying the premium for my homeowners insurance, which nearly got cancelled. Im now getting notifications from the county that my property taxes are outstanding. Ive tried calling Panorama and the phones go to a voicemail which doesnt even say the company name. When you can get someone to answer, theyre extremely unprofessional and rude. I dont trust this company and dont want them to have anything to do with my mortgage.

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 2023-09-25 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: IL

Complaint narrative:
1. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

2. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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


3. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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


4. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

5. in accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork and sent it in with my disputes. The paperwork has not been attached and sent to the loan companies correctly. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX 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 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
Steel River systems LLC -debt collector The letter states that I had an account with XXXX XXXX XXXX with the account number XXXX estate said the account is now owned by XXXX XXXX systems XXXX XXXX XXXX account XXXX negative check-in as of XX/XX/2008 the amount is {$5.00}, XXXX... 
The name on the letter is XXXX XXXX .... With my address.

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 2023-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/23 I went inside the branch to request to transfer funds into my checking account without having to take tax. I told her more than once that I would pay for the tax at income tax. Her name is XXXX XXXX. She did not do as I requested.

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 monetary relief
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX Acct : XXXX : This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX Apartments in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.

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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Today I received an email claiming that I had requested a chat session with MR Cooper. I made no such request. I had previously requested not to be contacted by any of their automated systems, as well a phone number that goes directly to a person because the automated systems they provide do not work. 

Since ( and before ) that time I have repeatedly contacted by Mr Cooper. Mr Cooper assured me that I would not receive any more automated contacts. As far as I can tell they have not made any significant effort to that end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: COMMERCE BANK
State: CO

Complaint narrative:
I purchased a vehicle in XXXX XXXX XXXX  through Commerce Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dealership where I purchased the car did not put the transmission plug back in the vehicle there for after many months driving with no tranny fluid, the car blew up. Dealership would not take responsibility since I bought " as is '' and eventually I had to let the car go " repossession '' as I could not afford to fix the car, it was cheaper to just find another car Commerce Bank contacted me only one time ( right after taking the car back ) and told me they were just closing the account because they could sell it at auction for close to what I owed and that nothing further needed to be done, and I believed them as nothing came up on my credit this entire time. I do not remember who I spoke with since this was so so so long ago, Seven years ago! 
Fast forward seven years ( and two paid
off cars later, I am not sure how I got loans for those two vehicles no problem! ) I went to go by a newer car and got denied because all of a sudden the car from Commerce Bank in XXXX is now " charged off ''. I was NEVER contacted by phone or mail that this was happening and that they were selling the loan to a debit collector and that I now owed money. I was never even contacted by a debit collector that I needed to pay it ( when you pull my report it doesn't even say who I need to contact debit collection wise to get it taken care of, just says unknown so I cant even name who else is involved ). I had no idea about this until I was trying to purchase another car just last week and it happen to show up on my report the day I put an application in. Seems suspicious and weird to me that after SEVEN years it is now all of a sudden there, when I was told it was taken care of. 
I do not agree with this and feel this is very unfair! I should have been contacted within a week after Commerce Bank took back the car and decided the car was going to be charge off not just closed. Its been many years! I has been SEVEN years since I let that car go! Had they contacted me in a timely manner I could have tried to make a payment plan with the debit collectors or something, now I can not as I need a gas saving car. But seven years ago I could have handled this Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SG and Associates
State: CA

Complaint narrative:
This company called everyone I know and left them voicemails about my case. They called 4 of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
RE WELLS FARGO ACCT # XXXX On XX/XX/23 a levy was improperly charged to this account from XXXX XXXX firm case # XXXX. By order of the local court, this levy has been REVERSED as of XX/XX/23, as I am exempt from levies up to {$10000.00} according to NV law, and only had {$1000.00} on this account at the time. WELLS FARGO, however, refuses to refund the {$120.00} fee they charged for this improper levy without a written letter so requesting from XXXX XXXX XXXX. They have no right to have charged this fee in the first place for a levy they should never have processed. To make matters worse, WELLS keeps charging me a XXXX XXXX monthly fee because my account is fee free only with an average {$500.00} daily balance, and I can not add money for fear of another levy. I had to spend XXXX minutes on the phone with them just to get the {$10.00} back.

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 2023-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Imperial Recovery Consultants, LLC
State: MI

Complaint narrative:
IRC Services have contacted my elderly parents in regards to me many times by telephone. This is a violation and we would like for this communication to stop asap. We both have communicated this with them. 
They are harassing my sick elderly parents by constantly calling their home and cell phones. I am a grown adult and my parents called me in a panic thinking I was in legal trouble stating that I needed to call this number asap ( XXXX ). They stated to my parents that they were a legal firm in my county and wanted to speak about a pending case. When my dad began asking questions the representative was very rude unprofessional and hung up in his face. So I called back. 
When I called I spoke to a different representative with the same result. She hung up right in my face. With a nasty attitude I was told that there was a pending case against me in district court and she wanted to clear it up. Then she stated somethings about an old cash advance. I said first things first, you are clearly a collection agency and you need to stop harassing me and my parents. She then stated that I should be happy because that was just a courtesy call because I am about to get sued. No mam you all are about to get sued!!! I know my rights and the law and I hope these calls are recorded for MY proof. She stated that they sent letters to my home address and I didn't respond so that is why they contacted my dad even calling his personal cell phone. She knew my email address along with my home address so I'm confused as to why they kept contacting my parents phones stresessing them out. These tactics they are trying to use are unaccepable and I hope something is done about this. See you in court IRC!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: IL

Complaint narrative:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
I found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
am sending this complain on something on my credit report that is in accurate and that I did not authorize. in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: IL

Complaint narrative:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
My upgrade card sent to XXXX {$3800.00} on XX/XX/22 and I never received this card. Upgrade will not dispute the charge since it's past 60 days. I thought the payments were going towards my other loans with Upgrade, I have no notification of this card being used until I saw flags for transactions last night. I did file with Upgrade that i never received this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, our area was struck by a hurricane. From XXXX to XX/XX/XXXX, our insurance company assessed the damage, which included our roof, garage door, bathroom, windows, and AC insulation. 

In XX/XX/XXXX, we initiated the repair process for our home, focusing on the garage door, bathroom, and XXXX insulation, and successfully completed these repairs. 

By XX/XX/XXXX, we received a check from our insurance company, with instructions from our mortgage provider to endorse it. 

In XX/XX/XXXX, we promptly forwarded the insurance check to our mortgage company as per their request. 

From XXXX to XX/XX/XXXX, we made multiple attempts to obtain the funds from our mortgage company. Despite our continuous efforts to provide the requested documents, the process proved challenging due to delays in acquiring necessary paperwork from various involved parties. Additionally, some repairs, such as those to the bathroom, AC insulation, and garage door, had already been completed, and we were eager to access the funds to cover these expenses. We earnestly seek a resolution to receive the reimbursement for the repairs we have already undertaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX address and inquiries misleading and other accounts sold to third party 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
My loan had a partial payment of {$70000.00} on XX/XX/2022, From the Department of veterans affairs and my mortgage company XXXX XXXX accepted the VA payment but yet has boarded this amount to XXXX  Ive ask for a copy of the all Promissory notes on XX/XX/XXXX to close my new loan with XXXX XXXX XXXX they will not send documents and refused to do proper paper work on Boarding the Partial claim to generate a acct number so XXXX  the new service can be paid It has cost me over XXXX XXXX dollars and all the appraisals, and late fees plus xtra mortgage payments I need help they want help me get away from their company they continue to make excuses my refinance want go thru unless they complete this, The Veteran Admin says Dovenmuehle meds to complete this and they refuse to complete it, it been almost 10 months Im really tired of no reply from them

Company response to consumer: Closed with explanation