vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
First of all, I am always anxious about writing Select Portfolio Servicing because the response to any conversation or letter I send is for Select Porfolio Servicing to then send unwarranted letters of default and/or foreclosure. 
I today XX/XX/XXXX, spoke with the Refund Revenue department in XXXX and the representative did find my payment that was made for my XXXX taxes and the duplicate payment made by Select Portfolio Services by check. He also said no one called to be refunded for the Select Portfolio Services double payment made. He explained that if anyone attempted to be refunded they would have to go through his department, ( Refund Revenue department ), and fill out a petition for refund form called General Petition for Refund Petition XXXX. Since Select Portfolio Servicing did not previously request a refund for their duplicate payment in a timely fashion, after it was made ; it may have gone past the statue of limitations and then have to have the matter reviewed by the Tax Review Board. The first step that Select Portfolio Servicing should have taken was not to penalize me and force me to pay, but contact the Refund Revenue department and fill out the appropriate forms. I will attach the link below and a copy of the form if possible. The contact for the department of Refund for Revenue is XXXX. The contact for the Tax Review Board, if the refund is at first denied because of statue of limitations is XXXX. I was told by the representative at the Refund Revenue department that Select Portfolio Servicing should have requested the refund by XXXX XXXX. I have been documenting my telling Select Portfolio Servicing Inc. to do this very thing on numerous filed complaints to CFPB, conversations, and calls to Select Portfolio Servicing since Select Portfolio Servicing started their initial penalizing me and charging me in XXXX. The representative also stated that Select Portfolio Servicing has to show proof of the payment/check and if Select Portfolio Servicing wanted me to collect the refund, Select Portfolio Servicing would have to send a letter on company letter head to the Refund Revenue department instructing them to do so. This was also suggested by myself and 100 % ignored followed by an initial penalty. I will check back with the Refund Review department to see if the steps are taken by Select Portfolio Servicing to correctly retreive the duplicate payment made on my taxes for XXXX. I also look forward to any and all reinbursement of previous penalty payments made to Select Portfolio Servicing Inc . Please XXXX : General Refund Petition XXXX and select Refund of city taxes or call the offices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/2023, I received an email from my mortgage company, Mr. Cooper, informing me that they had disbursed a payment from my escrow account to my insurance company ( XXXX XXXX ) for payment of my hazard insurance premium. On XX/XX/2023, I received a letter from my insurance company dated XX/XX/2023, wherein they indicated my insurance policy had lapsed effective XX/XX/2023, due to nonpayment of the premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: HI

Complaint narrative:
I applied and was approved for {$2000.00} with no annual fee. I needed to change my mailing address so I emailed them my request and they told me they could not process my request without certain documents indicating proof. This is unusual considering my other cards do not require this. I emailed them proof and someone named XXXX replied and said " the photo didn't show all four ( 4 ) corners of the document - resend I sent it again with the four corners showing. It was rejected AGAIN. This time, they said it would be better to go to their website and upload ( what???? ). Why didnt they tell me this THE FIRST TIME?! 

So, I tried to do that but there was nothing on their website that allowed me to upload ( a very basic website that looks like it was created by a 3rd grader ). I emailed back to re-send my documents again and they rejected it AGAIN saying I had to call. WHY DIDNT THEY SAY THIS BEFORE??????? ALL OF THIS RUN AROUND JUST TO CHANGE MY MAILING ADDRESS. I then learned ( from my credit report ) that the {$0.00} annual fee was a lie they actually charge {$75.00}, which I would have NEVER signed up for if I knew this. I always look for cards with {$0.00} annual fee. They lied to me about this. They are fraudulent. 

Due to their lack of professionalism and misleading me with false information, I called them up and told them to cancel the card. I only had them for about a month and I never used the card. They sent me an email confirming it was canceled. I opened up a dispute with XXXX to get this off my credit report, but XXXX contacted today ( XX/XX/23 ) informing me that AVANT was contacted and they ( AVANT ) said my account was, indeed, open. This is a lie. I specifically asked AVANT TO CLOSE THIS ACCOUNT due to my unhappiness with their service. I called them and asked them to send me another email confirming cancellation and they refused. I, then, asked them to please send me something in writing and they said they cant because since I signed up for paperless they can not send me any paper. This is absolutely ridiculous and deceptive. I DO NOT WANT THIS CARD and the fact they are making it hard to leave them is even more disconcerting and shows a dishonest company. I want this card cancelled!!! The account ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
I purchased solar panels for my home at XXXX XXXX XXXX, XXXX, OH XXXX in XX/XX/XXXX, and financed the purchase with Goodleap, the designated financing company of XXXX XXXX, who sold and installed the solar panels. 

There is nothing in the agreement with Goodleap or in the installation agreement or welcome letter that says I remain liable for the entire contract when a loan is assumed. See the first 3 documents attached. 

The only thing about assumption in these documents is in the loan document, which says this : " This loan is assumable upon the sale of the property to a new owner, if the new home owner qualifies under GoodLeaps underwriting guidelines. '' Yet, in the 4th document, Goodleap says I am still liable as a " co-borrower '' even after the financing of the solar panels is assumed by a subsequent buyer of my home. 

I sold my home on XXXX XXXX in XX/XX/XXXX, and the borrower agreed to assume the financing of the solar panels. For the assumption to occur, I was required to sign an agreement, the 4th attached document. 

For the first time, on being presented with the assumption document, I learned that I remain personally liable after the assumption, and in fact, the assumption document now makes the buyer of my home and me " co-borrowers. '' This was never disclosed in the financing agreement for the purchase of the solar panels. Goodleap keeps withdrawing from my checking account until the assumption takes place. I had no choice but to sign the document. 

I do not want to remain as a " co-borrower '' on the loan for its 25-year life. That this is what assumption means or entails was never disclosed to me by XXXX XXXX or, more importantly, by Goodleap, with whom I thought I would be done being in contract with, once the loan was assumed by my buyer. 

For further information, I have attached the Loan Closing Certificate, evidencing the 25-year obligation. Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2023-09-18 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They did not provide me with the orginial application like I asked.I demand this account be removed from my credit report ASAP

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 2023-09-18 00:00:00
Product: Credit reporting 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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.

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 2023-09-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
These Credit Reporting Companies : XXXX, TRANSUNION, XXXX, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX  XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is 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 2023-09-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
These Credit Reporting Companies : XXXX, XXXX, EXPERIAN, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. EXPERIAN XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is 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 2023-09-18 00:00:00
Product: Credit reporting 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:
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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I received a letter in the mail from Frist National Collection Bureau Inc. on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. The agent confirmed the company had not received my disputed letter in addition, I was no reply was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : XXXX XXXX Wells Fargo for Mishandling Dispute Funds I would like to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Wells Fargo 's mishandling of dispute funds. They have closed my dispute with the following details : Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : {$76.00} Card Number : XXXX Status : Credit is Permanent Wells Fargo initially provided a temporary credit of {$65.00} to my account on XX/XX/2023, but they have failed to properly resolve the dispute and have now declared the credit as permanent. However, they did not reimburse this amount to either the customer ( myself ) or the merchant. 

I believe this is a clear case of mishandling and failure to properly resolve a dispute. I kindly request that the CFPB investigates this matter to ensure a fair and just resolution. 

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