vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VT

Complaint narrative:
I have a loan through Carrington Mortgage. I use my bill pay service through XXXXXXXX XXXX to make my mortgage payments. 
Carrington will take an extended amount of time to process my payments sometimes up to three weeks. When I call in to inquire about the payments, I'm informed that Carrington does not have my check. 
I will then make the payment over the phone. 
Then, within a day or two the check that Carrington states they don't have will suddenly try to clear my account. Since I just made the payment over the phone this will result in the check not clearing my account. 
Carrington then states that I have bounced checks and I have late payments. I get a charge for a late payment and a charge for a bounced check. 
They do this on the check they state they don't have and I pay over the phone only to have them try to cash that very same check, right after they pulled the funds from my account for the over the phone payment. 
Now my bank ( XXXX  ) has begun sending them payments electronically. Currently, I have a payment that has been pending on my XXXX account for 11 days. Carrington states they do not have the money yet XXXX says they do have the money. This money has been " pending '' electronically for 11 days. 
Also, Carrington now says that due to my " bounced checks '' I have to send everything in as Certified funds which will result in even longer processing times for my payments. 
XXXX  has kindly written a letter to Carrington explaining the funds are sent electronically and Carrington has never rejected the electronic transfer and therefore has the money. 
In the middle of all of this, Carrington has reported me as late, charged me with fees and ruined my credit that I have worked hard to build. 
I am trying to clean everything up and get this account straightened but at this point I feel like Carrington is deliberately trying to ruin my credit, cause me additional fees and try to make this process even more convoluted than it should be. I've only had this account for 4 months and in that time it's been one headache after another. 
Since they have ruined my credit I'm unable to refinance now and I'm stuck with this very shady company. I'm not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I would like to know why when I go to my balances it only says I started making payments on XX/XX/2020 when I made a payment on XX/XX/2020. 

Why on my payoff statements my loan type says single family and then it was changed to single family title II?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/AIDVANTAGE XXXX has violated my rights. Or list of inquiries 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 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 antedates 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 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 2023-02-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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


DEPT OF ED/XXXXE XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXXE XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXXXXXX has violated my rights. Or list of inquiries 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 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 antedates 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 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 explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank Account Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # XXXX This account has been closed by the bank on XX/XX/2022, with a balance {$9900.00}. I have not received the balance yet until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Netspend Corporation
State: TN

Complaint narrative:
XX/XX/23 the department of treasury sent XXXX my refund check. XXXX sent my refund to a wrong account to Netspend/XXXXXXXX XXXX. The account was listed in someone elses name and social, and Netspend depoisted my money in that account. Knowing that my information didnt match the account holders information. My tax preparer called XXXX and alerted them i never received my refund. Thats when i found out that, my refund was sent to this account. My taxprepaer was giving the name of the bank and trace number, call XXXX to inform them to send the money back. Netspend called and verified with my tax prepayer my information doesnt match the account and they refused to send the money back. They advised to take the issue up with XXXX or IRS. They could see that the money was deposited in someone elses account and they couldnt do anything. They advised its not there issue, but could see that, the account wasnt mine and still deposited my tax money in a wrong acct. Spoke with XXXX XXXX at Netspend and she refused to speak with XXXX about the issue. She said to do whatever, they wasnt refunding any money at all. Even though the account isnt mine. She refused to give me information and refused to give my tax preparer information about where my money was sent and to whom. SHe refused to open an investigation into the matter. My refund Trace # 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 explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2023 I printed a copy of my credit report from Transunion. While looking over my credit report provided by Transunion I noticed that I had multiple inaccurate addresses reporting on my account. The only addresses that should be on my account are as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please delete all other variations of my address immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still 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
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio recovery associates have an account under my information but the account was being paid for by someone else. The information they sent me have 3 different transactions to the account paying half the account off.Ive disputed it with them before and recently sent a letter with no response from them that was delivered XX/XX/XXXX and its now XX/XX/XXXX. Before that sent a letter XX/XX/XXXX that was delivered XX/XX/XXXX. Nothing has been done to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: AppFolio, Inc.
State: MO

Complaint narrative:
I have requested an incorrect address be removed as the address is not mine and have requested the company remove said address 's. XXXX XXXX XXXX, MO XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are not my addresses and as I have stated are not found on my credit report and these companies are reporting inaccurate information that I have requested several times be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX  XXXX XXXX XX/XX/XXXX 2 XXXX  XXXX - XX/XX/XXXX 3 XXXX XX/XX/XXXX 4 XXXXXXXX XXXX - XX/XX/XXXX 5 XXXX - XX/XX/XXXX 6 XXXX - XX/XX/XXXX 7 XXXX XXXXXXXX XXXX XX/XX/XXXX 8 XXXX - XX/XX/XXXX 9 XXXX - XX/XX/XXXX 10 XXXX - XX/XX/XXXX 11 XXXX - XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX - XX/XX/XXXX 14 XXXX - XX/XX/XXXX 15 XXXX - XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX - XX/XX/XXXX 18 XXXX - XX/XX/XXXX 19 XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX XX/XX/XXXX 22 XXXX XXXX  XX/XX/XXXX 23 XXXX XXXX XX/XX/XXXX 24 XXXX XX/XX/XXXX 25 XXXX XX/XX/XXXX 26 XXXX XXXX XX/XX/XXXX 27 XXXX XX/XX/XXXX 28 XXXXXXXX XXXX  XX/XX/XXXX 29 XXXX  XX/XX/XXXX 30 XXXX - XX/XX/XXXX 31 XXXX XXXX XX/XX/XXXX 32 XXXX XXXX XXXX XX/XX/XXXX 33 XXXX XX/XX/XXXX 34 XXXX - XX/XX/XXXX 35 XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove it from my credit report . 

The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-24 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: MA

Complaint narrative:
I am a natural person, I am a living human being l, I have rights under 15USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be remove because according to 15USC 1681. I have the right to privacy and I did not give Equifax written permission to furnished theses accounts. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: PA

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 an 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 antidotes 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 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 2023-02-24 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 an 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 antidotes 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 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 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
I was approved for a {$35000.00} loan for a XXXX XXXX XXXX with XXXX miles on it at purchase time which was in the month of XX/XX/XXXX. My monthly payments were {$850.00} a month. I did this with the understanding that this would improve my credit and overall help me even though my monthly payments were so high. I managed to make it seven months. I had employment change which i called and they did not offer any type of payment arrangement for me at that time. I got behind on my car loan, I then called again begging for a solution. That when I was told that I just needed to surrender the vehicle. Which I did. My car sat and they just kept sending me late bills and no one ever came to get it. I called multiple times thereafter and at each call they were just seeking payment for my past due balance and I had to explain each time that I had already surrendered the vehicle a month prior. To which i went through the entire process of setting that up and still yet another two weeks went by. They just finally picked up my vehicle yesterday XX/XX/XXXX after I called wondering why it has taken three months and multiple calls to get my car picked up to auction off. I am very upset and saddened that I paid consistently an insane amount of money only to be told they couldn't work with me when i had sudden health issues and job change. Now I am not only out a large amount of money, my credit is ruined and I no longer have a vehicle of my own as a mother to children this is very discouraging. This was my way to rebuild and they made it impossible. There isnt enough help for us middle class people trying to live life by a number to have anything in life, a.k.a a credit score. Someone please help me.

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 2023-02-24 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: CA

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


XXXX & XXXX : # XXXX, XXXX XXXX : # XXXX, : XXXX XXXX XXXX # XXXX, XXXX 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 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 antedates 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 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