vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, Transworld Systems, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
They advised there was a small shortage in my escrow account and they are raising my payments {$94.00} each month. The first person I spoke with today advised they made an insurance payment in XXXX and I looked on my insurance company 's site and they had not. 
I called them back and spoke with another rep who advised that they did not pay an insurance payment and that the escrow was short one month and so they raised the monthly payment for next month. 
Why would that increase so much when my expenses did not? They said it was for a " cushion ''. That is unfair and want it investigated. That cushion is alot for me to pay every month. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Last XXXX XXXX XXXX XXXX XXXX closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that XXXX XXXX XXXX XXXX charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted XXXX XXXX XXXX XXXX, branch manager XXXX XXXX from the XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the Chex system which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to XXXX XXXX XXXX XXXX XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for 35 years to this point. Something has changed and people need to be aware of it.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: NC

Complaint narrative:
i have no acknowledge of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc.
State: NC

Complaint narrative:
i have no acknowledge of these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: AR

Complaint narrative:
I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. Experian XXXX and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX  / XXXX / FRAUD / REMOVE EXPERIAN : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX  / XXXX FRAUD XXXX REMOVE XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  / XXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE

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 2022-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2022 I was appointed by the XXXX XXXX Probate Court to be the Conservator of the Estate and Person of XXXX. XXXX XXXX. has two accounts with Webster Bank and does business at the XXXX, CT branch telephone # XXXX. I went to the bank as XXXX XXXX. 's conservator and they refused to give me her money. She has outstanding bills that I am under a legal obligation to pay. The reason for doing so is that my Certification of Conservator has an " XXXX '' at the end of my first name and my CT motor vehicle license does not have an " XXXX '', " XXXX '' as opposed to " XXXX ''. I am a practicing attorney and a XXXX in the XXXX of CT and this has never been a problem. ( if relevant I will tell how the XXXX got dropped from XXXX ) I have been a Conservator in many different cases and presented the same documents at every bank in the community, as well as the Dept. of XXXX XXXX and the other various XXXX and XXXX benefit agencies and organization. This has not been a problem ANYWHERE. XXXX has decided to NOT GIVE MS.J.L. her money. Their obligation to provide their clients with the assets they were entrusted to hold trumps any bureaucratic decision about the XXXX at the end of my name. My birth name is XXXX. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
Following up on the initial case I filled ( case number : XXXX ) Wise claimed they had no evidence that the recipient didn't get the funds and I am attaching couple of documents to show that 1 ) Bank Statement as of XX/XX/2022 ( 49 days after I sent the initial payment ) 2 ) Recipient Bank Policy on swift codes and Intermediary bank ( showing Wise used wrong intermediary bank ) 3 ) Letter from the recipient that states she didn't receive the funds Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Good day, My wife, XXXX XXXX, just spoke with a representative named XXXX, and asked to speak to the supervisors of XXXX XXXX, our single point of contact - XXXX and XXXX ; she also requested ANY supervisor to speak with in regards to multiple questions we have had since the first of this year and have never received return calls with answers. She was informed by XXXX that the supervisors she reached out to advised HER to handle the situation with the phone call, therefore completely dismissing our need for assistance from a higher level employee of your company. This is beyond poor practice to dismiss a customers request for additional assistance! 

Dovenmuehle Mortgage , Inc., claims to have made multiple return calls- unfortunately, the company did NOT pay attention to emails, nor multiple conversations with a multitude of representatives of this company, since the first of XXXX, when it was stated by my wife, XXXX XXXX, that you must call back on the XXXX phone number or the XXXX phone numbers that were provided to this company, and that the company has on file, AND that you must leave a message as my wife is not often right beside either phone, due to the nature of her business. Dovenmuehle Mortgage , Inc., COMPLETELY ignored this directive, that was expressed to the company multiple times, therefore, the company has been calling a number that is a valid number, but does NOT receive voice mails. 

We have questions that need answers ; we need help ; we are trying to enter into a loss mitigation package with Dovenmuehle, so that we can stay in our home, and the company has not done anything to help us! The companys representatives were notified of what specific number to call back, yet nobody at the company utilized that information to assist us. Today, the representative, XXXX, actually went in the system to change the primary contact phone number- NOT ONCE in the last 9 months has ANYONE at your company bothered to do so! We did our part ; we gave Dovenmuehle the appropriate contact information, yet your company chose not to use it. This company did NOT do their part in assisting a customer who genuinely needs help and answers. 

Representative XXXX filed an official complaint within Dovenmuehle, on our behalf, and advised that someone would be reaching out to advise on that complaint. They have been given the appropriate numbers to return the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MD

Complaint narrative:
Experian continues to report false information on my account. There have be several attempts to clear the errors on my report, but Experian has a generic response of " been verified through third party '' The third party is XXXX and I have contacted this company and Experian hasn't done any investigating of any errors. Experian is showing a bankruptcy on my file but no other bureau has this. Where is the information coming from? Also there are multiple variations of my name on file with Experian. I only have one legal name. The last 4 digits of my social on Experian is wrong. The information is incorrect but yet Experian continues to post these errors on my 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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
On XX/XX/2022, I received a email from Ally Bank ( see attached photo copy ) indicating that a Ally Interest Checking Account ( # XXXX ) had been created using my name and email address as the authorized user. 

However, I never communicated with nor authorized Ally Bank to open any financial instruments in my name. 

On XX/XX/2022, I received an additional email from Ally Bank indicating that they were notifying me that I should create a Login ; Password ; and a customer profile for this account. 

I did not comply with any of these instructing believing that this may be fake. 

When I called to validate this, the initial answering question as if I was calling to report an unauthorized creation of an account, the phone when dead.

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 2022-09-08 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: TX

Complaint narrative:
I disputed items that were reporting my Experian consumer profile back in XXXX, and the bureaus received the documents in the month of XXXX. I also filed a consumer complaint that can be referenced back to, XXXX, on XXXX XXXX. Experian has violated my consumer rights. I am attaching supporting documentation to this complaint.

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 2022-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint XXXX on XX/XX/XXXX as far as hard inquires on my credit file without my consent. Equifax conducted their investigation and the company response was that all hard inquires listed in my complaint would be deleted from my credit file. All the hard inquires were not deleted. 8 hard inquires remain. I checked my credit report multiple times after the company response to ensure the inquires were deleted from my credit file and they were not. I called XX/XX/XXXX and spoke to a representative from the fraud department and I was told the remaining inquires were deleted by her and gave me a confirmation number of XXXX. I called XX/XX/XXXX the Equifax fraud department again after seeing the inquires were still not deleted and spoke to a supervisor and he declined to delete the inquires even with seeing the cfpb complaint as documentation. He told me I would have to resubmit a complaint. The fact that Equifax listed each hard inquiry individually stating each would be deleted means the company falsified documents to a federal agency. 

The hard inquires that remain and need to be deleted are * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: AR

Complaint narrative:
I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX XXXX and Transunion has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXXXXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX  XXXX / FRAUD / REMOVE XXXX : XXXX XXXX  XXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX XXXX XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX / XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


TRANSUNION XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE

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 2022-09-08 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: AR

Complaint narrative:
I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX Equifax and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE ARCHILDSUPPORT/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXXL XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / XXXX XXXX XXXX XXXX XXXX  XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXXXXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Innovate Managed Holdings, LLC
State: AZ

Complaint narrative:
I refinanced my auto loan through Innovate Loan Servicing. Whenever I have a problem with my loan I can not contact them directly by phone, e-mail, or chat ; XXXX XXXX XXXX XXXX, the broker that put me into this loan, has to act as an intermediary between myself and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Monterey Financial Services LLC
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: WA

Complaint narrative:
The catalytic converter of my XXXX XXXX XXXX was stolen on XX/XX/XXXX. I filed an approved police report on the same day and also filed a claim with my car insurance company XXXX. Since I had comprehensive coverage my insurance company paid for the repair minus my {$1000.00} deductible. I wanted to renew my car insurance policy on XX/XX/XXXX with the same company XXXX. However they let me know that my monthly rates would be {$100.00} higher because I was involved in at fault accident on XX/XX/XXXX. They told me the company that gave them this information is Lexis Nexis. They said I would have to dispute this record before I can get back my favorable monthly rate. Lexis Nexiss phone number and website doesnt give you an option to dispute your record.

Company response to consumer: Closed with explanation