vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the XXXX XXXX with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So XXXX XXXX should not even be involved in collections efforts regarding this terms ' loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery has tried multiple ways to contact me. I have asked them to stop. I have even disputed them on my credit report. I am being harassed over {$460.00} that was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-20 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: NY

Complaint narrative:
The accounts are linked to an address thats not mine. I have disputed the errors repeatedly with each bureau for removal but I have been unsuccessful. These negative accounts are hindering my progress.

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 2023-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-20 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: NY

Complaint narrative:
The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with Transunion and XXXX and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I used a chase credit card to put a downpayment for a pre-order on a vehicle. I cancelled the card and closed the account due to inactivity. I still have a card and account with Chase. Months later, I told the car dealership i did not want the pre-order. The dealership said they refunded by old credit card. I confirmed this with the dealership. I was in touch with multiple debts : fraud, legal, escalations. The answer i received was they couldn't pull up my purged account due to their policy. Unfortunately, they were no help. I am trying to my refund for which i'm owed. 
Any help is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mortgage was bought by Wells Fargo in XXXX to XXXX they raise my interest rate up to 30 % without my consent I got billed for payments with a higher percentage rate and cost. I refinanced my loan with XXXX XXXX XXXX XXXX 3.8 % to get out of the Wells Fargo loan. Im filing my complaint to get my money back plus any interest they made off of my money and any penalties and fines that I qualify for. I was only paying 5 % interest rate on my loan that I got from guaranteed rate mortgage lenders before they sold my loan to Wells Fargo without my consent. I did not agree to ever pay 30 % interest rate on my mortgage. Wells Fargo claimed I was on a scale to pay 30 % going down to 1 % over the course of the loan for 30 years, they were ensuring that I front loaded their profits out of my pocket by charging me absorbent amount of interest rates. I was struggling to make the payments and thought I was going to lose the house because a lot of stress and XXXX  and sleeplessness. My mortgage went from {$1200.00} per month to {$1300.00} per month

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 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: MI

Complaint narrative:
Already have another complaint active with them about communications. They are delaying their " investigation '' and calling an average of 5 times a day. This is harassment, and it will end. If this gets yet another automated/scripted response I will look into legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan.

My rights to privacy and consent have been violated.

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 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I am writing because I am unhappy, frustrated and wholly dissatisfied with my interactions with Nationstars Loss Drafts Department as it is holding my insurance checks hostage. Nationstar ( Mr. Cooper ) purchased my mortgage in XX/XX/2022 from my original mortgage company, XXXX XXXX. I received a notification letter informing me of the transfer. My home experienced water damage in XX/XX/2022 after a pipe broke. I immediately contacted my insurance company, XXXX XXXX, who subsequently sent a water mitigation company and then a repair company. After I sent the first check from XXXX XXXX to be endorsed by Nationstar, I received a letter in the mail informing me that Nationstar required a property inspection after repairs were completed. Whilst I was okay with the inspection, I was not at all okay with paying the cost of the inspection. What feels especially egregious about the fee ( s ) for the inspection ( s ) is that they are added to the principle of my mortgage balance which means I am paying interest on them. When I called to discuss this, I was made to go through an endless, confusing, automated phone tree where I rarely had the chance to speak to an actual human, and if I did they were either rude and unpleasant or based outside the U.S. with minimal English fluency. I am still trying to complete the repairs to my home. XXXX XXXX issued me two additional checks which were also addressed to Nationstar and at this time, it appears as though Nationstars Loss Drafts Department is holding my checks hostage. The last time I provided a check for endorsement, I was told I needed to send over the check and the adjustors worksheet and would receive it back in 2-5 business days. This time, I submitted the checks and the adjustors worksheets sent with each check. Instead, I received a phone call from XXXX XXXX who informed me that I would also need to provide the estimates from each of the companies that performed the repairs. I sent those over. She then stated that unless I paid for an inspection, she would not be sending the funds. Holding the checks from my insurance company hostage like this is unacceptable. I am writing to launch a complaint because as stated, I did not choose this mortgage company and did not give my consent to any of these policies and currently their refusal to issue me those funds is making it so I can not repair my home. At this time, I am still making payments on my mortgage in a timely manner and I have never had a single late or delinquent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX  {$610.00} XXXX XXXX XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Taking advantage of a Citi Cards balance transfer promotion, I requested through customer services that they make a transfer for {$670.00} to XXXX XXXX from the XXXXXXXX XXXX store, when I checked the account, the transfer was made to a XXXXXXXX XXXX XXXX XXXXXXXX and I don't have an account with that bank, because it was a mistake by your customer services. 
Since the month of XXXX I started the claim with Citi. On XX/XX/XXXX they sent a letter only to notify me that the transfer had indeed been made to XXXX XXXX XXXX 
When they did not solve my problem, because they neither made the transfer to XXXX nor credited the money to my account, I called again and they promised me an investigation. On XX/XX/XXXX, they sent me a second letter and in this they tell me that I am the one to call XXXX XXXXXXXX XXXX but I do not have an account with that bank. I called again to tell them that it is Citi who has to work on it, because they made the mistake, so they told me that I would resubmit my complaint to resolve ; but on XX/XX/XXXX they sent me a third letter and in this they tell me that Citi definitely can't do anything and that I am the one to complain to XXXX XXXXXXXX XXXX, I called again and this time they put me through a supervisor, she agreed with me, but so far they do not solve the problem for me ; I made this last call on XX/XX/XXXX with a supervisor named 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 monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
My mortgage company American Neighborhood Mortgage company failed to pay the premium for my homeowner 's insurance and as a result, the policy has lapsed. 
I had set up direct deposit to pay my taxes and insurance along with my mortgage payments thinking I should not miss any payments inadvertently. 

American Neighborhood Mortgage 1 XXXX XXXX XXXX XXXX IL XXXX Loan Number : XXXX The insurance company sent me an offer to reinstate by postal mail dated XX/XX/XXXX which I took it up with the mortgage company through their customer service dept. they assured me that it will be taken care but they did not until I noticed on XX/XX/XXXX. 

On speaking to them they acknowledge they received two bills on XX/XX/XXXX for the amount of {$1200.00} and another bill for {$560.00} which was for my other property. They also acknowledge that they received another bill of {$560.00} on XX/XX/XXXX for my other property and Evidence of Insurance on XX/XX/XXXX. A notice of Cancellation was finally served to them, yet no one contacted me or the insurance company to reinstate the policy. 

My insurance lapsed and was canceled as a result and I was unprotected for almost 4 months. I am now forced to buy a new policy at a higher rate as now I am being treated as a defaulter for non-payment of the premium which attracts higher rates.

They are not refusing to take the differential cost of the premium ... and it is not fair to me as should they have paid it on time I wouldn't have had to pay the higher rate. 

Request you to please investigate it and help me get the adjusted amount back for at least this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I made a {$1600.00} cash deposit on the drive through ATM at the CitiBank branch located at XXXX XXXX XXXX XXXX. Upon the trial, the machine only gave me a slip saying that there was a technical error and that it could not give it to me back. 

I contacted customer service and its been more than 2 months since the occurrence.

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 2023-04-20 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: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 2023-04-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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