vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report was deleted on XX/XX/2023. After multiple rounds of back and forth with Experian and their dispute department, a resolution finally came from a previous CFPB complaint, on XX/XX/2023. My credit report is, again, missing all data, however. The attachments show the difference between the two dates. My credit report should have over XXXX lines of credit open, dating back almost 20 years.

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 2023-12-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
i dont recognize these accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: TN

Complaint narrative:
XX/XX/23 unauthorized inquire

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023

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 2023-12-15 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: MN

Complaint narrative:
I submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MN

Complaint narrative:
I submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023 XX/XX/2023

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 2023-12-15 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: MN

Complaint narrative:
I submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023 XX/XX/2023

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 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
On XXXX  I called the office requesting to extended my pay day due to I have a XXXX, the person answer me in a bad actitude and told me they are going to repose my car, I never say im not going to pay, im only ask if i can send my payment the XXXX.

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 2023-12-15 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MCM or Midland Credit Management calls repeatedly, harassing me about this collection debt. Multiple times a day from multiple phone numbers using auto dialers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
After many calls and emails to Selene XXXX in XXXX XXXX 2023 requesting my XXXX XXXX insurance not to be paid from XXXX, they have ignored my request completely. I was sent an increase of monthly escrow from {$170.00} to {$220.00} on my XXXX statement and to this date the insurance department at XXXX XXXX told me they have the XXXX insurance escrowed. 
The only payment XXXX XXXX is to make on my behalf is XXXX XXXX tax which was decreased for 2023. I requested a refund for the difference and got it. Now, please help me to have the increase in escrow rescinded as it is not justified because XXXX XXXX tax should be paid from XXXX. I have been paying my XXXX insurance. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/ i electronically messaged navy federal regarding my account, they are constantly billing me to cover charges that they are supposed to be covering, as defined by 12 CFR 1002.2, i am a federally protected consumer. I am aware that there has been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding they probide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to my account, prove that i am not the borrower on my account and that when balance is in a positive balance that is credits to my account and not a debt, anything that is a debt will be in the negative balance. I have also mailed them a certified and notarized billing error notice

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 2023-12-15 00:00:00
Product: Credit reporting 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:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

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 2023-12-15 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: TX

Complaint narrative:
I submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/2023 and have not received validation of the debt from Experian and 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023

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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX  is over collecting escrow. 

XXXX as of XX/XX/XXXX with taxes and insurance paid {$2900.00}. 

Collecting {$700.00} per month. 

Estimated cost for XXXX : Taxes ( {$2800.00} ) Insurance ( {$3500.00} ) Estimated over payment for XXXX - XXXX Estimated escrow balance for XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I provided my lender ( PHH Mortgage ) with my insurance information ( XXXX through XXXX ) twice via the email address that was given to submit insurance changes. This was done in XX/XX/XXXX ( when my policy was due to expire/renew ) and again in XX/XX/XXXX because XXXX said XXXX hadn't received payment yet. I also called and spoke with a representative twice to confirm I was doing the right thing. 

At the end of this year ( XXXX ) I had significant escrow shortages ( {$4200.00} ). Unbeknownst to me, PHH Mortgage just didn't make any insurance payments from my escrow account to XXXX, my insurance policy lapsed and they set me up with some lender-appointed insurance company with which I had paid over {$3000.00} in insurance premiums ( even though the " premiums '' for whatever insurance they stuck me with is only {$2500.00} ) They never reached out in regard to this new insurance, they never asked me to find different insurance, and they won't provide me with documentation on what this insurance even is! 

When I called they said " We sent a check to XXXX and they returned it to us '' When I called XXXX to confirm this, they said they never received payment and if they did, they cash all checks and send payments back to the homeowner, not the lender. PHH Mortgage is not answering questions or reimbursing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I contacted the CEO of Nelnet someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its Nelnet thats violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Hello, I have been trying to repay my loans on Ed Financial for the past 3 months, but my payments keep getting reversed and now I have outstanding payments. I have filed a complaint with Ed Financial, but it will take 37 business days for them to review, I made this complaint today on XXXX with an agent online. I have set up autopay on their website and have verified my banking information multiple times with multiple agents, but nothing seems to work in order for me to pay myself via their website. Only 1 payment has gone through after I did the payment over the phone with an agent on XXXX I shouldn't be getting a payment reversal on any loans, since my baking info is correct and I have the funds in my bank account to be able to pay. The autopay feature is also seemingly not working on top of their XXXX XXXX and XXXX XXXX options on their website. 

This is my timeline with reversal times and amounts that I have tried paying : XX/XX/XXXX Payment - {$1200.00} ( Pending ) XX/XX/XXXX Payment Reversal {$470.00} XX/XX/XXXX Payment - {$470.00} XX/XX/XXXX Payment - {$130.00} XX/XX/XXXX Payment Reversal {$170.00} XX/XX/XXXX Payment - {$170.00} XX/XX/XXXX Payment Reversal {$1600.00} XX/XX/XXXX Payment - {$1600.00} XX/XX/XXXX Capitalized Interest {$0.00} Thank you, and i hope to resolve this matter as I would like to pay my student loans and not have a deficit. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: FL

Complaint narrative:
XXXX has two collections account on my credit report as past due : XXXX XXXX XXXX shows a past due balance : {$1000.00} XXXX XXXX shows a past due balance : {$3600.00}

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX of XXXX, I sent a wire transfer to a domestic account owned by XXXX XXXX XXXX XXXX in the amount of {$6300.00}. The wire was sent to pay for XXXX XXXX  XXXX XXXX  from an esteemed collection. The collection was said to be multi-generation with the items being over XXXX XXXX XXXX. These statements, advertising and descriptions were false. The items are modern reproductions with no value. I opened a wire fraud case ( XXXX ) and ( XXXX ) but heard nothing bank. If this is not resolved, legal action will be pursued. There is an open case with the florida attorney general regarding the fraud, case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking XXXX XXXXXXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX  Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''

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 2023-12-15 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''

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