vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: FL

Complaint narrative:
in accordance with the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # 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 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Hi, In XX/XX/2020 I was pregnant and I went to the hospital for a check-up they gave me an application for my insurance and I applied and approved the insurance they told me that the whole balance would go directly to the insurance and every bill that arrived home was already settled so when I enter my hospital panel I don't see any balance I have to pay and when I enter my credit report I see that there is a debit collection for {$1000.00} usd but I didn't know why I never appreciate it on my panel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd

Complaint narrative:
Good day, I am so unpleased with what happened with my XXXX account unfortunately, my XXXX account that I have been using since last XXXX has been closed. The company that I work for only pays through XXXX now. I am unable to receive payments from my employer. I Contacted XXXX regarding the closure of my account and they're unable to tell me why my account had been deactivated because there's no valid reason why it should be closed however, I am unable to retrieve the funds in my XXXX account. I have to file an appeal for no reason why are they holding on to my funds they're aware that I have been receiving my pay from my employer since last year and if they want any confirmation from my employer they won't hesitate to disclose any information. My main goal right now is to have my funds transferred to me and I also need my account to be reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX XXXX XXXX # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.

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 2022-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I did a lease buy-out with Hyundai Motor Finance in XX/XX/XXXX. I received my title but upon when I visited the MN XXXX, they said I needed a taxes paid form along with a corrected title as they advised me to write an incorrect amount on the wrong line on the back of the title. I have been calling XXXX Customer Service since XX/XX/XXXX to resolve this issue and receive the forms. I am told time and again, in XXXX days I will receive the forms and never do. This is repeated again and again for months. Fast forward to XX/XX/XXXX and I am in car accident and my car is totaled. I can not receive the payout for my car because XXXX has yet to send me the corrected title and certified taxes paid form. I called again on XX/XX/XXXX and spoke to a supervisor XXXX who essentially told me that all customer service agents had lied to me over all these months as they do not send these forms without a WRITTEN request! This is the FIRST time I had been advised of this. I got off the phone and promptly emailed XXXX the requested information ( I just realized on the letter I have XXXX, a typo on my part as it is XXXX ). I called again on XX/XX/XXXX as I had not yet received confirmation of receipt of the email nor anything in the mail. I spoke to supervisor XXXX who told me that there is not a number to call to contact titles nor could he tell me had the information been received. He only said he will send an email and I would have to call back. It is now XXXX XXXX and I have not received any email or mail correspondence or documents. I called customer service again and after holding for XXXX minutes for a supervisor she told me that no supervisor would answer the phone and they must be closed! How can anyone solve issues when no one takes responsibility nor action in solving issues for customers?

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 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have {$.00} to my name. I need food for my kids and my tire has a slow leak and needs air. My cousin CashApp'ed me {$20.00} to get food, and air for my tire. CashApp would not release the funds nor was there anyone for me to communicate with about it. Subsequently, we did not get food and my tire went completely flat resulting in me needing to borrow more money for a XXXX tire and a tow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX and XX/XX/XXXX I disputed " item not as described '', " defective or non working item '' to my Chase Visa Credit card ending in XXXX and my checking account that I have never overdrawn since opening. They didnt even give me an email address to provide my documents to. I had no way to forward my photos, videos, emails to XXXX XXXX XXXX  screenshots and other documentation to CHASE. A temporary credit was given, but after 15 days my checking and credit card were REBILLED by IN XXXX XXXX XXXXT XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have photo and video and my mom is also a witness due to the XXXX XXXX  making her vomit each time she visited me in that room. I also have photos of the broken XXXX unit leaking water on my property and the floor as well as the broken window, security latch and bottom door. I have photos of the XXXXXXXX XXXX contamination sharing the same wall as the leaking air conditioning unit. It is a XXXX XXXX infested with rodents and XXXXXXXX XXXX CONTAMINATION. I am trying to contact XXXX XXXX NEWS this weekend to bring attention to IN TOWN SUITES since there are thousands of other complaints worse than mine but identical complaints. I have complained to the TX ATTORNEY GENERAL XXXX XXXX AS WELL AS THE TEXAS XXXX XXXX XXXX AND THE XXXX XXXX XXXX DEPARTMENT. XXXX is interviewing my mother and I about it next week. We are XXXX and elderly and that's whXXXX XXXX XXXX XXXX  AND CHASE TAKE ADVANTAGE OF PEOPLE WITHOUT A VOICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
XXXX XXXXXXXXXXXX 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

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 2022-04-23 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: CA

Complaint narrative:
TransUnion stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Transunion was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-23 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: CA

Complaint narrative:
Equifax stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Equifax was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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:
I sent Equifax a letter on XX/XX/2022 in regards to U.S. DEPT OF XXXX # XXXX This reporting In violation of 15 U.S. Code 1681i ( 5 ) and 15 U.S. Code 1681e ( b ) on account They have still not rectified this issue and come into compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NY

Complaint narrative:
There is an account listed as in collections and past due by XXXX XXXX XXXX  for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.

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 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
-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 a 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 2022-04-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
-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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021, I realized that my escrow and mortgage had increased by XXXX XXXX dollars from the previous amount. I did not know that this was not normal until that same amount increased a full XXXX more in XXXX. At that moment, I did some investigating. I found out that the mortgage and title company failed to submit a tax certificate request as the property I purchased was going through renovation. This has caused me to overpay XXXX in city taxes. The city of DC acknowledged the mistake and provided me with an updated statement showing a credit in my account. First Mortgage has still not made the approximate updates to retrieve my payment of the city taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: AZ

Complaint narrative:
Transunion has unlawfully used reporting tactics for incorrect information on my report. They have solicited information " dark pattern '', to give information to get negative creditors on my report. I have been disputing inquiries, bankruptcy, and closed accounts showing on my report to be removed with no resolution. The Bankruptcy showing on Transunion is not showing on my credit reports.

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 2022-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MN

Complaint narrative:
I have notified my mortgage company ( Guaranteed Rate ) several times that the property tax assumption on their websites is inaccurate for my duplex. In short, the city incorrectly classified my property as a commercial property and I have since had it re-classed back to residential. The current property taxes owed are almost half of what they have listed on their site. They have yet to change that information and my payment is almost $ XXXX more a month than it should be due to this inaccuracy. At my last verbal conversation with them, I said I am refusing to pay my mortgage until they fix this issue. So far the mortgage isn't late, but if they don't fix it by month-end it will be. I want to pay my mortgage, but I want the payment to be correct based on the right tax rate. I also want them to refund the escrow overage as a result of the inaccurate escrow assumptions on their site, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX  XXXX  Account # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.

Company response to consumer: Closed with explanation