vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
To whom it may concern, We are issuing a formal complaint against United Wholesale Mortgage ( UWM ) who currently holds our mortgage and escrow account. We believe has violated the law under XXXX. Detailed below is the months long process of attempting to correct our escrow account, have funds owed to us refunded by the institution, and have our escrow payments revaluated to the appropriate amount required to make all payments ( property tax and insurance ). 
UWM practices are unfair to the public. As you can see, it has taken 13 calls to UWM to have our escrow account reevaluated, in the meantime, we are required to pay ~ {$600.00} essentially overfunding our escrow account. We still are required to write a letter to have funds owed to us returned, with no guarantee the funds will be returned to us, not documentation or letter provided to us as to the result of their investigation.

The definition of Unfair per the CFPB : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. 
An unsubstituted increase of {$600.00} a month in escrow funds is a significant impact to us the consumer. That amount is not insignificant and it carries a financial burden. In the information detailed below, it is clear the UWM staff mislead us, did not provide promised follow-up, failed to provide details as to the review of our account.

Although their UWM staff appear to be untrained, providing misinformation, and making promises they company cant keep, truly it seems as though the customer service is set up to deceive their customers. As outlined in the CFPBs definition of deceptive acts or practices : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material.

It is clearly evident in the details below that the misinformation provided by UWM staff is purposeful, designed to confuse and frustrate people into giving up.

See attached letter for full description and timeline

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I have been trying to get my title for my car since I paid it off in 2020. I received a letter from Southeast Toyota Finance on XX/XX/2020 stating my account was paid in full. The letter stated that the state would provide a paper title to the address indicated on the paid in full documents. I never received my title. 
I have spoken with Southeast Toyota Finance on numerous occasions, as well as speaking with their parent company World Omni Finance Corp. On XXXX I spoke with XXXX who said he found " errors in the title release, error response from state : XXXX  '' There were two errors on XXXX and XXXX. He said it should take a couple days to release my title. I called and checked with XXXX  XXXX and XXXX  XXXX and they said the car was still titled to World Omni Finance Corp. 
I called Southeast Toyota Finance again and spoke with XXXX on XXXX and got a case number. They " escalated '' the title release and said it should take 5 business days to release. I called XXXX  XXXX and they said the title was still held by World Omni Finance Corp. 
I called the company back the following week and spoke to XXXX on XXXX and was told my title had been " released '' and that I should contact the XXXX -- when I contacted the XXXX  XXXX and the XXXX  XXXX the following week, they said the title was still held by World Omni Finance Corp. 

I was instructed to send my lien release letter to XXXX  XXXX to receive my title -- XXXX  XXXX sent the lien release letter back saying they needed more documentation and a " lien release notarized form. '' I was then instructed by XXXX  XXXX to contact XXXX  XXXX to get my title. I contacted XXXX  XXXX and they said to send the lien release letter to them to receive my title. I did this and the state received the letter on XXXX but I still have not received my title. 

Since XXXX  I have moved states, from XXXX  to XXXX XXXX, and I have been unable to register my vehicle in XXXX XXXX without a title. My XXXX  registration has expired because I no longer have XXXX  car insurance. My vehicle, which I have completely paid off is now un-drivable because Southeast Toyota Finance and their parent company World Omni Finance Corp have refused to release my title. I called XXXX  XXXX on XXXX and spoke with a representative who said the car was still titled to the parent company World Omni Finance Corp. I tried to call Southeast Toyota Finance again yesterday, XXXX and spoke with XXXX XXXX and in the middle of the call the line got a busy tone and then the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted my dispute with Equifax 30 days ago and have not heard or received any update. I called in and was told they never received my dispute. Please accept this as my dispute. This is to ensure that you have received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: PA

Complaint narrative:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion : XXXX  XXXX XXXX / XXXX Account number : XXXX *** Transunion XXXX Account number : XXXX XXXX  : The XXXX XXXX XXXX Account number XXXX *** XXXX XXXX Account XXXX 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 my account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section 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 antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting consumer reporting agency if the person knows or has 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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I have been issued a paper to go to court, in reference to monies I owe on a credit card with Credit Corp Solution. 
Docket # XXXX at XXXX XXXX XXXX, in XXXX TN The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Payactiv, Inc.
State: IL

Complaint narrative:
Payactiv card which is owned and operated by XXXX XXXX  XXXXXXXX XXXX in XXXX  XXXX Missouri is holding my money hostage and trying to take my money in double batches.. for example XXXX returned an amount of XXXX to my card and it was posted to my card only to be taken without consent or authorization by me .... The money is being held hostage on an unauthorized hold and will not be released until said company XXXX emails them a letterhead .... Also on XXXX an amount of XXXX was taken and they are trying to retake that SAME amount in different transaction amounts i.e XXXX on XX/XX/2022 i now have text messages to confirm they were trying to do this scandalous action... i would like my money back or else next step is filling with the f.b.i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive been treated poorly these so called companies sell my name and information to anyone.ALSO sales my info to highest bidder I know that EVERY CREDIT COMPANY SHOULD BE INVESTIGATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet took over my student loans. Now it is not showing past payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-23 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: VA

Complaint narrative:
In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC1681 section 602a States that I have the right to privacy. 
15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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 seven years. 
15USC1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 2022-09-23 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: VA

Complaint narrative:
In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC1681 section 602a States that I have the right to privacy. 
15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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 seven years.

15USC1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
After reaching an agreement with CREDIT ACCEPTANCE CO, and paying the amount of {$1900.00} as required to close this case, CREDIT ACCEPTANCE continues to misreport the credit by lowering my credit score and allegedly increasing the interest balance on the account, this has now been resolved., and I demand that it be corrected, I attach documentation as proof of payment, arrangement and notice of the credit that was charged more to the account and lowered my credit score

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 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit has called me every single day starting from XXXX XXXX, 2022. They said I owed them debt, but due to the limitation of statue, they couldn't sue me or put it on my credit report. I told them to send me confirmation of this debt via mail because I do not have any debt. They call EVERY SINGLE DAY. Including during work hours. I want it to stop. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX {$280.00} company has debt collectors and on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: WI

Complaint narrative:
This is also connected to my complaint with XXXX XXXX # XXXX, XXXX has been totally cooperative! PNC Bank is the problem! PNC Bank is very aware that there is an internal problem with receiving transfers. PNC is doing this to hundreds of customers and accessing late fees and daily fees. I filed a complaint with the XXXX XXXX XXXX and one of their executives responded to my complaint. She wanted a detail of all payments to PNC Bank and now the want the RPPS Sheets stating how they sent the money. Either someone internally is stealing monies, or the bank as a whole is because I have been with XXXX since XXXX of XXXX and there were no issues until XXXX, XXXX. They have assessed a {$40.00} fee for XXXX payment when it has been sent to them and soon, they will be assessing another fee for XX/XX/XXXX. I really need this to be investigated immediately. There are hundreds of customer going through this and someone needs to step in immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NM

Complaint narrative:
I have been in XXXX XXXX for over XXXX XXXX  and thus applied to have my federal student loans forgiven via the PSLF/ waiver. I applied for this over a year ago. My current loan lender is the company Mohela, even though these were all federal loans. All of my payments were deemed eligible for repayment, but only some were " qualified '' for repayment based on my employment. The problem with this logic is that I've worked for the XXXX XXXX the whole time, including during when the payments were deemed " not qualified '' based on my employment. My repeated requests for further information from the pslf program have gone unanswered. I am considering suing the Department of Ed in federal court under the XXXX. Any help would be excellent. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: GA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below

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 2022-09-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person!

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 2022-09-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
None of these are my accounts

Company response to consumer: Closed with explanation