vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount recovery systems is not license or registered in the state of Florida to collect debt in the state of Florida where I reside. I will also be filing a complaint with my state Attorney General in the FTC. Please see attachments to show paramount recovery systems current active licenses and registrations in the state of Florida is not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NY

Complaint narrative:
XXXX  XXXX is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. 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.

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 2023-01-04 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: NY

Complaint narrative:
XXXX  XXXX is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NY

Complaint narrative:
In applying forr a mortgage the bank alerted me that a towing company was listed at my home address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have nothing to do with this company. I tried to resolve it with EXPERIAN but both there phone system and web-site we non functioning

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 2023-01-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see the attached documents regarding my complaint against EQUIFAX. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXXXXXX XXXX XXXXXXXX. I also filed a CFPB complaint against XXXX XXXX in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Equifax last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TX

Complaint narrative:
Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud, and SAID company is required by law to remove Such items within 4 days, FTC fraud report was filed on behalf of the consumer, Consumer is requesting EXPERIAN to provide documentation used to determine the inquiries and accounts where authorized by the consumer, EXPERIAN has 10 days to provide me with the names of the family and neighbors or person spoken to, documentation used, signed application with consumer wet ink signature, comsumer is not asking for an E-Oscar report. If EXPERIAN can not provide documentation to show these accounts and inquiries was in fact authorized by the consumer account must be deleted immediately. Said company is liable under the SEC to follow certain rules I HAVE EXPERIAN COMMISSION NUMBER address and what company your company use to trade securities, I will be filing XXXX to audit consumer account. EXPERIAN is securitizing consumer data yet refuse to provide consumer with their CONSUMER FILE NOT CONSUMER REPORT FTC REPORT is uploaded

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 2023-01-04 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:
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment NONE of these inquiries resulted in any of the above outcomes. 

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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: CA

Complaint narrative:
I leased a XXXX Tesla Model Y from Tesla Motors , Inc. on XX/XX/XXXX with a monthly payment amount of {$660.00}, for a 36-month lease term, scheduled to end on XX/XX/XXXX. 

Through the online account management tool at www.tesla.com, I initiated an early-termination of my lease, which needed to be turned in by XX/XX/XXXX. 

I returned the vehicle to the Tesla dealership located at XXXX XXXX XXXX, XXXX CA at approximately XXXX on XX/XX/XXXX, where I signed documentation releasing interest in the car. 

On XX/XX/XXXX, my monthly automatic payment came out of my bank account. I attempted to resolve the issue with Tesla with no resolution. On XX/XX/XXXX, another monthly payment was drawn from my bank account. Neither of these payments should have bene processed as I released interest in the vehicle, per the terms of the Tesla early termination lease agreement, on XX/XX/XXXX. 

Tesla has not contacted me regarding the termination at all. I have now been faced with financial hardship with these two additional payments being taken from my bank account without my authorization, as those funds are needed to make my new car payment.

Through the Tesla app, I can see that the vehicle is parted at XXXX XXXX XXXX, XXXX, which appears to be a car lot storage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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:
Transunion is reporting the following inquiries on my credit report which is a violation of my rights under FCRA -15 USC 1681b ( a ) ( 2 ). I did not give permission for Transunion to report this information nor provide my credit information to any of the following companies. When I contacted Transunion to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Transunion WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
A company called twice with a local phone number. I called back. They asked for my name I hung up. I tried again asked for their name. They said Spring Oak Capital I gave them my last name they they said they made a mistake and would take my number off the list. I dont know what they do or what list. It seems like a scam/phishing and Im worried I compromised myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/2022, I canceled my application after 48 days ( application date : XX/XX/XXXX ). During that time period Loan Officer XXXX XXXX failed to complete the tasks required for the loan in a timely manner. The loan XXXXfficer referenced took 3 weeks alone to complete the request for an appraisal because she submitted the request with the incorrect address. It took escalating the matter, and another member of US Bank 's team to rectify the situation. Once that occurred an appraisal was completed in 2 days, On several occasions, XXXX failed to communicate with me and my team. XXXX would fail to answer calls or messages for days at a time from both myself and my realtor. I often would call her multiple times per day and follow up with emails and still not receive any sort of communication or feedback. 
Over the course of working with her, XXXX also provided me with blatantly incorrect information. She would often justify her incompetence by citing " these are the VA requirements ''. After several requests for information, I ended up having to double-check all of her work with the Regional VA office , and they would tell me that the VA had no such requirement. XXXX knew full well that I was in communication with the VA regional office, and continued to lie about the VA requirements for the loan. Her repeated requests for irrelevant information resulted in my closing date being extended 3 times. 

After weeks of her incompetence, I decided to switch banks and notified XXXX that I would be canceling my loan application. From application to approval with a new institution, the entire process took 10 DAYS. US Bank has now lost a customer and I will not recommend anyone use US Bank because of the issues I have gone through. I would like to have my file reviewed and have the " denial '' removed from my file completely. The file needs to reflect that I canceled this request for a loan after WEEKS of incompetence by XXXX on behalf of US Bank.

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 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Credit acceptance corporation violated my consumer rights by entering me into a false and deceptive contract. 
They never showed or offered me a non disclosure form, allowing me to opt out of my personal information being sent. 
They refused payment that was sent through the mail in coupon form. Ucc 311. Ucc 3-419, UCC 3-311 .

Remittance transfer payments. 18 usc 8.

They ignored multiple letters to Cure the situation.

They required me to place a {$6000.00} down-payment to purchase my vehicle which is Illegal during a consumer credit transaction, open ended transaction.

Charged me an illegal finance charge. 15 USC 1605. 0 They proceeded to sell my information to a a third party repossession firm and took the vehicle off my property without my permission. 15 usc 1692, 1692f. 15 usc 6802

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Today, XX/XX/23, I, a person with XXXX  and XXXX, attempted to address the issue of my account Being overdrafted. I got hung up on not once, but twice, and the third time i called back the wait was XXXX minutes. None of the workers speak English very well nor are they very understanding or sympathetic. 

Furthermore, again, these XXXX transactions in XXXX are NOT mine. The provisional credit was reversed with NO notification or communication. My account is all in disarray and they have been giving me the runaround when i am simply trying to pay what I owe! 

This is XXXX  and frustrating. I am an American citizen and want some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
M & T Mortgage Account ( through XXXX XXXX XXXX XXXX M & T Bank started collecting a property tax escrow, in error, for my parcel number and an unrelated parcel number starting XXXX and, despite several days of phone calls over the last XXXX months trying to rectify the situation, M & T Bank continues to claim the error is being worked on and refuses to correct the substantially higher monthly mortgage payment required which is now 3 days in arrears. M & T Bank also refuses provide their council information or an employee contact for my attorney. 

M & T Bank 's escrow error was noticed after receiving an M & T Escrow Update Letter in the mail XXXX. M & T Bank was contacted shortly after reviewing the actual tax amount on the XXXX XXXX XXXX XXXX XXXX website and after a further review of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have on file. 

My annual taxes are currently {$2000.00} per year for my parcel # My annual insurance is {$1000.00} per year for my parcel # The first PITI payments for mortgage starting XXXX ( before recent escrow adjustment ) were {$3100.00}. The actual mortgage payment due XXXX, with correct escrow adjustment is {$3100.00}, an increase of {$15.00} per month. 

M & T Bank has raised the mortgage payment to {$3300.00}, which includes taxes for a parcel number I am not responsible for, an increase of {$280.00} per month. 

I've been passed around from XXXX department to the next and to no avail, M & T Bank is not fixing the problem and I'm not only at risk of going into default but ruining my credit if the inflated payment is not made to M & T Bank. 

This is extortion and reason for contacting the Consumer Financial Protection Bureau. 

Please 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 monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our business bank account was closed by XXXX XXXX corporate back office due to our non-profit 's CA XXXX status being suspended in XXXX. This was discovered when a change of ownership on the account was made XX/XX/XXXX. At that time actions by the non-profit had already been made to correct the status. Wells Fargo Corporate office refused to wait for the process to complete. The account was frozen with no transactions allowed by a Wells Fargo applied extension that was incorrectly classified as HOLD account instead of XXXX banking. At that time a request to close the account and disburse funds was made. Initially the request was refused. Reason given was HOLD extension was in place. The request to disburse funds was ignored till XXXX  XXXX was contacted XX/XX/XXXX. Surprisingly the account was closed XX/XX/XXXX prior to expiration of extension. Check cut on XX/XX/XXXX. 

Ultimately, all efforts to clear our tax status with CA XXXX, the one Wells Fargo is willing to accept, are delayed due to the banks continued disregard for the consequences, to its customers especially, caused by their decisions. Their callous actions caused the checks written for tax return fees to be rejected. Delaying restoration limits the ability to fund-raise effectively. 

Currently, we are a restored non-profit charitable entity with both the IRS and the DOJ of CA ( Attorney Generals office ). The IRS letter granting restoration status was provided to a Wells Fargo representative handling the case on XX/XX/XXXX, prior to the account 's closure. 

Rhetorical question : If the Federal and State AG 's office recognizes a non-profit 's status and grants all charitable rights, wouldn't it make sense that those agencies ' approval would be enough to resolve the bank 's CA XXXX concerns?

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 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank Home Mortgage- I was approved through the HAF program for past due payment and 6 months of forward payments. I received my past due XX/XX/2022 and XXXX payment XX/XX/2022. I have not received XXXX payment. The HAF program says they sent XXXX payment and has now sent XXXX payment and US Bank are saying they have received nothing. Please 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 explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for these accounts are fraudulent.

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