vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
My mortgage was sold to this company last year. I applied for a modification in XX/XX/2021 and sent in all requested documents. I have not been hearing back from the company. Every time I call I am told I will get a call back and there is no follow-up. In the meantime, the unpaid forebrearnace balance has been growing. I called them today and insisted on a call back and the person told me I didn't qualify for a loan mod because I didn't send in the requested documents, which is not true. I have the email that I sent to them. They said they sent me a notice of missing documents, which is also not true. Then the man kept pushing on me another program because I failed to qualify for loan mod and said if I didn't accept today they would send my file to loss mitigation. They declined to defer the loan balance, which is what I requested in my application. They are going to recapitalize the loan which makes my payments balloon. If I couldn't pay my mortgage before how will I manage an even higher payment now? They're giving me no reasonable options to save my house and giving me information in a rushed phone call and expect me to accept their terms, immediately. I'm not ebbed sure what the man was trying to explain to me. In the meantime, the deferred/owed balance is continuing to grow. I did send all the documents required in XXXX, they're trying to scam me and trap me into a higher payment which I can not afford so I will end up losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Apparently in XXXX, I opened a PayPal account and as of XX/XX/XXXX I owed XXXX XXXX 
XXXX XXXX is the debt collector. I have disputed it and a police report was made I definitely did not or ever have used PayPal. XXXX XXXX asked questions. the address, email and phone number are not mine but my XXXX was a match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX university any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A salesperson at a local dealership -- XXXX XXXX in XXXX XXXX Texas -- -kept calling my wife on a daily basis inviting her to re-finance her vehicle. My wife repeatedly told her that her car was in both my name and my wife 's name, and that I would need to be involved in the decision. My wife was receiving weekly calls from " XXXX, '' the salesperson at XXXX XXXX soliciting her to re-finance -- even though XXXX had been told at least twice that the car was in both our names. Regrettably, yesterday my wife received a call from XXXX again and she went to the dealership without informing me. While at the dealership, XXXX -- without my consent -- took my Social Security number and other personal, financial, and demographic data and performed a Hard-Pull through her Finance Department . This un-authorized credit inquiry has already appeared as a Hard Pull on all three Credit Bureaus -- without my informed authorization and without my signature. Experian, XXXX, and XXXX are already reporting the Hard Inquiries on their data.

Afterward, while my wife was still at the dealership, I complained to the management team about what had happened. XXXX became rude with my wife, then treated my wife very disrespectfully and in a beligerent manner -- -even though what she ( XXXX ) had done was fraudulent, unprofessional, and un-ethical.

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 2022-04-15 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 XXXX Account # 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 Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated 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 2022-04-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: CT

Complaint narrative:
I had fraud by a site called XXXX XXXX on my Netspend card in XXXX and XXXX of 2021. I tried to file a dispute but the dispute filing software was down on my Netspend bank account. They told me wait a few days and try again. I waited a week the software was still down. I kept calling and they kept telling me to wait. Finally after no results in XXXX I emailed and they told me to send email documents so I did. Well its been 4 months and they still are investigating. 6 months if you cant when I had to wait because of the software being down! This is ridiculous. They emailed me in XXXX and said I had to wait until XX/XX/XXXX for a resolution. Now on XX/XX/XXXX they tell me there is no resolution yet and I have to wait until further notice. This company is scamming me and holding my {$2700.00} for half. A year now this is ridiculous! I want my money!

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are 2 names on my report with Experian showing XXXX XXXX XXXX and XXXX XXXX. My name is XXXX XXXX. I have sent letters certified and regular mail Experian hasn't responded. I called Experian today XX/XX/15 I was told they have not received any disputes by mail from me. I find this to be strange considering the letters I sent certified shows they were received. I have a complaint filed on Experian for the account XXXX shows a collection with name XXXX XXXX. I was told there isn't anything in dispute with Experian. I see the complaint I filed and Experian said there's not a complaint. The names XXXX XXXX XXXX and XXXX XXXX and the bogus account XXXX XXXX need to be removed from my credit file. I'm being ignored by Experian they are profiting off me. I have an open complaint submitted XXXX on consumerfinace.gov for the mentioned account XXXX. The account XXXX has been removed by 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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: OK

Complaint narrative:
TruHome Solutions services my mortgage from XXXX XXXX XXXX XXXX. Last month they added {$200.00} to my mortgage payment for homeowner 's insurance. I have and always have had my own homeowner 's insurance. I and my insurance company have emailed them the proof that I have homeowner 's insurance, several times times. I have been told on the phone and by email that they would remove this forced and unnecessary insurance. Last month, so my payment would not be late, I went ahead and paid my mortgage plus the {$200.00}. This month, my mortgage payment is due and it still has the {$200.00} escrow fee on my account. 
I will attach/upload the email I received, saying that the lender placed insurance policy will be removed and a copy of my homeowner 's insurance that I have had and will continue to have. 
Desired Settlement :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine but is reflecting on my credit report with TransUnion. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave TransUnion any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # 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 an 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 2022-04-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern has an account on my credit report that is false representation. I did not owe neither have I paid their company any money. I would like documentation with my signature stating that I made an agreement with this company to do business with them. I want this account removed from my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

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 2022-04-15 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: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

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