vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-07-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
The company gave me false information and incorrectly advised me to allow an offer to expire to get corrected documents delaying the process to modify my loan coming out of forbearance and instead of XXXX a month at the interest rate offered originally I am now being asked to make payments of XXXX a month because interest rates spiked after it took them forever to accurately convey their request the proper documentation and process the application, even though they had all this information already on hand from the offer they had just given me that they told me to allow to expire. This is all recorded in the phone calls they have saved but refused to give me without a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Investigative Concepts, Inc.
State: FL

Complaint narrative:
Applying for XXXX  XXXX 's License and twice thru background check I have a contempt of court show up that happened 15+ years ago thru previous divorce.How long does this stay on record? Bankruptcy comes off in 7 years WHY does a contempt of court b/c of bad marriage stay on for a life time?? Any help would be greatly appreciated Thank you God Bless XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
President Biden Have placed student loans on a moratorium, Navient has placed all of my loans as late payments which bring my score down on my credit reports. I spoke to someone a Navient and reminded them that Biden has a moratorium on student loans, they apologized but continued their erroneous practices. All student loans should be on a moratorium until XX/XX/2022, and this may possibly be extended. I am up for a government job and may be denied the job due to Navient practices. XX/XX/2022, I have taken a break from school. Navient is reporting that I am more than 90 days past due on my loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 and on XX/XX/2022 I send XXXX letters to Experian informing Experian of them reporting incorrect addresses and employment history on my credit report, along with proof showing my correct address. On XX/XX/2022, I even send then a final notice to delete the incorrect addresses and employment history, and when I checked my account with Experian on XX/XX/2022, I notice that they did not removed the incorrect addresses and employment history from my credit report. Experian is reporting address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, which is incorrect. You see I never lived there. Experian is also reporting incorrect employer such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which I never worked there either. I an giving you permission to contact Experian on my behalf to have Experian remove the incorrect address and employer information off my credit report. You can email me or send me updated information through the mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX showing that Experian has complied with yours and my request. Thank You!

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 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # 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 2022-07-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to get the loan information and verification from Service Finance Company , LLC, the mortgage company, on behalf of my clients for months now. I have mailed the registered agent via certified mail numerous times. I want to get the information so that we can avoid foreclosure as the only means to get Service Finance Company , LLC 's attention. 

Thank you, Kindly

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 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, attempting to collect a debt in the amount of {$740.00}. It stated that I had a XXXX XXXXXXXX XXXX  credit card with account number ending in XXXX and as of XX/XX/XXXX I owed {$740.00}. I have never had a XXXX XXXX XXXX  credit card, so I was alarmed to receive this letter. I called and spoke with a representative who informed me that the credit card was opened in XX/XX/XXXX. The letter listed Reference # XXXX. 

I then received a letter from Resurgent Capital Services, Reference ID : XXXX. It stated that in order for them to further investigate my dispute, I needed to provide additional documents. On XX/XX/XXXX, I filed a police report with the XXXX Police Department. Report # XXXX. The Identity Theft Passport number assigned was XXXX and a copy of the report is on file with the XXXX Attorney General 's Office. I faxed a copy of the police report to Resurgent Capital Services on XX/XX/XXXX. I received notice from Resurgent Capital Services that they did not approve my dispute. 

On XX/XX/XXXX I faxed a notarized Identity Theft Affidavit, another copy of the police report, identity theft letter and passport, as well as a letter stating that I am disputing the credit card charges because it is not my debt. According to the documents mailed to me by Resurgent, the credit card was opened in California and also used in California. I have never lived in California, and was not traveling in California during the dates the card was used. My credit score has been impacting severely because this debt continues to show as an unpaid balance each month. I have reached out to the XXXX credit bureaus and placed a freeze on my my credit. It has been emotionally taxing to watch my credit score drop from excellent to good to currently fair. I would like to see Resurgent Capital Services acknowledge that I have been the victim of identity theft and remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have been trying to get a collection paid in full for Charter Communications via a 3rd party - Amsher Collections. I did not receive any verifiable letter from AmSher about this collections and now they have given my collection The XXXX XXXX XXXX XXXX XXXX who verbally refused to send me any information on this. When speaking to an Amsher representative about this early 2022 I was informed I could go online and pay it, however, because I didn't have a letter from Amsher with an account number, I was not able to make an account to pay this debt off. 

The XXXX XXXX XXXX XXXX XXXX said they sent me a letter in XXXX- never received. 
Amsher never disclosed when they sent me a letter to dispute and refuse to send me any information because The XXXX XXXX XXXX XXXX XXXX has it, who also refuses to send me infomation. 

I owe {$120.00} to Charter Communications- or AmSher OR XXXX XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I paid my XXXX account 's debt owed to XXXX  for the amount of {$55.00} to the debt collection agency XXXX XXXX XXXXXXXX On XX/XX/2022 XXXX XXXX sent my account for the same debt amount of {$55.00} to I.C. Systems Inc. for collection. I have contacted both parties and they have refused to resolve this issue.

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 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I want to close my Paypal account and delete my banking information from that site. They will not allow me to do either one unless I supply my social security number and a copy of my social security card. I have had no activity I this account for over a year. I am unwilling to supply this information because of identity theft concerns. I have had repeated communication with Paypal about this and they refuse to close my Paypal account and delete my banking information. I simply want my account closed. 
I had over 8 communications with Paypal between XX/XX/XXXX and XX/XX/XXXX and they would noclose the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have not missed a mortgage payment in 15 years, the servicer and account number has changed several times. 5 payments have been made and unapplied, 3 of the 5 have were received by the current mortgage servicer with a previous account number, however the address, amount, and dates were verified by XXXX  XXXX XXXX XXXX banking department as being sent and not returned. XXXX of the 5 payments were returned by the previous servicer. Currently the servicer, Mr Cooper is stating they need 6 payments to avoid foreclosure, even though they were faxed verification from the bank 3 of the payments were received, they have refused the additional 3 payments from me. Please see payment date and amounts. 

XX/XX/2022 {$850.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXX XX/XX/2022 {$850.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Sold my home- closing on XX/XX/XXXX. Same day : Wired XXXX into my acct at Chase Deposited XXXX ( from my XXXX XXXX XXXX acct ) into my acct at Chase Wire OK Check put on hold for XXXX business days ( XXXX confirmed funds released XXXX ) As of today ( XX/XX/XXXX ) funds in Chase acct but check on hold - explanation - acct open in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: MI

Complaint narrative:
Wilmington Savings Funds Society owns my mortgage. They hired a mortgage servicer named XXXX XXXX XXXX XXXX ( XXXX ) to service my loan. Now XXXX have mismanaged my mortgage not applying payments correctly and now I have a delinquency notice even though I have made all payments, In addition my adjustable rate mortgage is adjusting upward approximately 1.5 % in XX/XX/2022. I have been informed Verbally of XXXX things. XXXX that I am not Delinquent and XXXX that my monthly mortgage payment will go down more than {$100.00} per month. I asked if my interest rate is increasing how can my monthly payment go down? They had no answer. I asked if the terms of the loan is being changed and was told no. Still the question is how my rate can increase and my monthly payment go down? My monthly payment can not go down if the terms of the loan don't change. Obviously Wilmington Savings Funds Society and XXXX are colluding to increase their interest profits by illegally changing the terms of the loan. My note terms can not change by contract. The only thing that is allowed to change is the interest rate. Illegal activity is taking place on my account by Wilmington Savings Funds Society by hiring such a corrupt and unethical company to service my loan.

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 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # 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 2022-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I returned two items to XXXX XXXX and both refunds were issued to the Chase debit card ending in XXXX. The first refund was for {$54.00} on XX/XX/XXXX and the second refund issued by XXXX was for {$54.00} on XX/XX/XXXX. XXXX provided a transcript showing Chase accepted both refunds to my debit card ending in XXXX and is refusing to issue me check for both refunds. They continue to claim that Chase did not " accept '' the refund as the account is closed. XXXX is providing proof that both refunds were indeed accepted by Chase. Please help.

Company response to consumer: Closed with explanation