vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: AZ

Complaint narrative:
There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, XXXX XXXX  for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, Transunion, XXXX and XXXX. XXXX immediately removed the false report, however Transunion and XXXX completed the investigation that the item was legitimate. I contacted both XXXX and XXXX XXXX  and provided proof the account was settled and never should have gone to collections. I provided that to both Transunion and XXXX but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.

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 2022-06-28 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: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, Diversified Adjustments for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, XXXX and XXXX. XXXX immediately removed the false report, however XXXX and XXXX completed the investigation that the item was legitimate. I contacted both XXXX and Diversified Adjustments and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and XXXX but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
To whom it may concern, I am filing a dispute against AmeriHome Mortgage. The company reported a deliquency in my mortgage payment stating I was behind XXXX months of payments although, as of XX/XX/XXXX, I was enrolled in auto XXXX XXXX. I had recieved confirmation that my first Auto pay would process XX/XX/XXXX. On XX/XX/XXXX my Mom was having XXXX XXXX and she became my priority focus. It was not until XX/XX/XXXX I realized my credit score had been affected ( drop in points ). While investigating what happened, I came to realize that it was from AmeriHome Mortgage stating I was behind on two payments. This was a suprise to me since I had confirmation I was set up on auto pay. Because AmeriHome is closed on weekends I was unable to contact a representive however, I did immediatley, on Saturday XX/XX/XXXX, make an on line payment to AmeriHome. On Monday XX/XX/XXXX, I contacted AmeriHome and explained the situation. They stated my payment I made on Saturday XX/XX/XXXX had not come through yet. I offered to make the entire payment over the phone and they would not let me make a partial payment over the phone until that payment came through. They also stated I was a new costomer so it would take a few months for the auto pay to go into effect but it should be working by XXXX. I have a verification that was sent to me on XX/XX/XXXX stating I was enrolled and the first payment was to come out on XX/XX/XXXX. ( See Attached ). I asked how I can get this all cleared up and remove the deliquency from my credit report and they stated I needed to file a complaint with the credit bureau. 

Series of events : On XX/XX/XXXX I started service with AmeriHome Mortgage XX/XX/XXXX I was confirmed that I was enrolled in Auto pay via email from AmeriMortgage XX/XX/XXXX discovered AmriMortgage did NOT utilize the Auto pay I set up for the month of XXXX or XXXX. 
XX/XX/XXXX electronic payment for the month of XXXX made XX/XX/XXXX I spoke with representive that informed me they do not see the electronic payment yet and that they could not take any payment from me until the posted payment is cleared and that I will need to call them back when that happens. They also told me to contact the credit Burea to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My husband and I refinanced our mortgage in XX/XX/XXXX and paid an extra {$15000.00} to remove PMI from our payment. Everything was great until I received notice in XX/XX/XXXX that our payment was increasing by $ XXXX due to a depletion of our escrow account. My husband is a XXXX XXXX processor, so he is very familiar with the process. Upon investigation, he realized that PMI had been added to our account and funds had been deducted from our escrow account since XX/XX/XXXX. In all, over {$2100.00} was mistakenly removed from our escrow account. We called NewRez and they agreed that it was an error and removed PMI as of XX/XX/XXXX. We also received a letter in the mail on XX/XX/XXXX indicating that the PMI provider XXXX is processing a refund. However, after waiting for XXXX months, multiple phone calls ( including speaking with various managers because there are no direct extensions ) and a few separate escrow analyses, we have yet to receive a refund. The only message we've received is to wait longer. We have wasted nearly XXXX hours on the phone, writing letters, and making calculations, and are currently being required to pay nearly $ XXXX ( initially {$400.00} ) extra for the escrow shortage. We would much rather resolve this issue with the company than submit a complaint, but it seems like this is our only option at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I requested services from XXXX on XXXX of last year since it was my first time moving from my parents. I call to request service to the address XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I can confirm this because a representative from XXXX did me the favor to listen to the call when I requested services and she confirmed that is the address I gave them. After a couple of months I started receiving due bills from XXXX from a address which I dont have any type of connection. I ask XXXX to investigate this and they decided that the account is legitimate. They never told me of the results of the investigation and they just sent the account to collection for {$830.00}. I dont know it this is identity theft. But it is a big coincidence that services started at that address the same time I requested services to my real address which I have to call again to activate services since they were not activated which makes me think it was an internal mistake from XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: MO

Complaint narrative:
There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( Transunion and XXXX ) The 3 offending credit inquiries only show on Transunion.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and experian, XXXX and XXXX are aware. from the beginning of XXXX  there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. Experian has also allowed someone to have a tradeline on my new established XXXX  I have not even established credit history and there are tradelines already please help me to find a solution.

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 2022-06-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act 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 and account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank website hasn't be up for a XXXX XXXX XXXX  holders cant access accounts, make payments to store cards COmenity Bank finances or the COmentiy Bank XXXX XXXX XXXX XXXX cards being declined, accounts being closed, on-line accounts being locked out, XXXX XXXX XXXX replies range between XXXX different automated answers like BOTS are sending them, their customer service number isn't being answered, etc. 

Examples of the generic responses are : 1. " We are currently undergoing a planned system update that has taken longer than expected. If you are trying to contact us online or by phone, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' 2. " Thank you for your feedback. Knowing what matters to you is how we can improve in the future. We are performing a scheduled system update, that has taken longer than expected. Were temporarily unable to see account information and help with certain needs. '' XXXX " Your information is always secured with rigorous protections, including now while we conduct this planned work. We're sorry for the inconvenience and know this might be frustrating. We are working around the clock to complete these updates, as soon as possible. '' There's no news about this anywhere and customers were not informed about this supposed " system maintenance update ''. 

There are thousands of us. 

CHeck XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX went to pay my title loan to Title Max in XXXX Missouri at said time the manager of the XXXX XXXX location was very unprofessional and using scare tactics in an attempt to get me to pay more as unfortunately I was only 12 days late on my payment of {$280.00} due on the XXXX, she said I have 3 choices, 1. Voluntary surrender vehicle, 2. Borrow Money from family, 3. Pay off entire loan now. She even got her manager on the phone to be little me and I'm of XXXX and felt discriminated against, they refused to listen to my spouse XXXX XXXX who actually was the person paying the payment and he advised them what Missouri law was on this and they refused to listen even telling him to leave when he is our family bread winner and the payment is on his card! All he said clearly to branch Manager was we will only be making the {$280.00} payment for the contract amount due and pursuant to Mo Law u can not repo vehicle without 1st sending us a " Right to Cure '' and payment being over 20 days late which it was NOT! Both Branch Manager and her boss the District Supervisor, we're threatening and using unlawful scare tactics trying to make me pay more since I was unfortunately late! Title Max XXXX XXXX XXXX Missouri needs better training and coaching and I feel discrimination occured based off my XXXX! I made my payment and should be able to choose my payment method and not be harassed to pay more than the contract amount of {$280.00} if I don't want too! Lastly my spouse XXXX XXXX should be permitted if I permit to speak on my behalf since we're married and the vehicle is a marital asset, and since he is who is legally making my payment under his checking account! The district Supervisor even instructed the branch Manager to write out a statement on my reciept which was uncalled for and never asked for, these scare tactics are illegal and against the FCRA and Mo laws and discrimination against myself. Payment was made and now payment not due until XX/XX/XXXX which again we will only pay the {$280.00} lastly if my husband isn't permitted to pay on my behalf then title Max must provide an alternate avenue to make payment as he is my spouse and who I put in charge of all my financial payments. Allow my spouse to accompany me anytime I'm in office as I don't feel comfortable after this incident as he knows laws I don't and he protects me from frivolous incidents like this one and we're also filing a complaint with Missouri XXXX XXXX XXXX for investigation of discrimination in a public setting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Venmo suspended my account in early XXXX saying I violated their acceptable use policy but they won't provide me with how I did that. They are asking me to share with them a copy of my driver 's license which I am refusing to do because I see them having that along with my banking information as a recipe for disaster. Especially since they are not disclosing why my account was suspended to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NJ

Complaint narrative:
N accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act Credit Management LP XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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 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 and account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act 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 and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Follow up on Complaint Number XXXX.filed XX/XX/2021 concerning deposit from PayPal that was never deposited into my account.

PayPal has not responded to any of my latest inquiries concerning a missing deposit of {$970.00} of XX/XX/2021 that they have only stated that the lost deposit is " under investigation ''. 

XX/XX/2021 PayPal listed a deposit to my business account for {$970.00} but then immediately " reversed '' the deposit. 
After many calls to PayPal concerning the deposit that never cleared my bank account, PayPal initiated a " provisional deposit '' of {$970.00} to my account on XX/XX/2021. 
On XX/XX/2021 PayPal withdrew the " provisional deposit '' of {$970.00} from my account on XX/XX/2021 and continued to claim the the missing deposit continued to be " under review ''. 

As of this date ( XXXX ) I have not received this missing deposit of {$970.00} in my account. 

PayPal has not responded to any recent inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XXXX, XXXX I went on line to pay Capital One payment due for XX/XX/XXXX. The web site repeatedly displayed " HIT A SNAG ''. This happened the month before as well so, as i did before, i had to mail a payment. Today, XX/XX/XXXX i called and learned the payment mailed around XX/XX/XXXX was still not received so i paid another payment -this time by phone. The people i spoke to ( " XXXX '', a man, and XXXX  ( XXXX? ) a woman ) both would not remove the {$25.00} charge for a late payment even though they admitted the site often says " HIT A SNAG ''. I don't believe i should be charged extra because their system is often not operating. My Capital one account ends in XXXX if this helps identify it. 

My account with them is always a small balance with a lot of credit available so it is not a financial hardship i am having. Not at all. It is their poorly functioning on line payment system causing late fees to be charged.

Company response to consumer: Closed with monetary relief