vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IA

Complaint narrative:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, IA. XXXX. 
Caliber Home Loans is my mortgage holder -Account # XXXX. 
Apparently, Caliber 's home office is in Texas : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX On XX/XX/XXXX, I received a notice from XXXX XXXX, IA of taxes due. I tried to call Caliber Home Loans to ascertain if the taxes had been paid out of my escrow account which is the norm. I was transferred around. Third party representatives could not find my account. 

Thus, to insure the integrity of my property, on XXXX XXXX I paid my taxes-see below. 

Today, I retrieved my mail from my XXXX XXXX XXXX, XXXX, IA XXXX. My monthly mortgage statement was in the mail. The monthly mortgage statement does not reflect that I made the tax payment out of my credit card. Instead it reflects that the taxes were paid out of my escrow account. 

XXXX XXXX Iowa confirms that I paid the taxes online, NOT CALIBER Home Loans. 
Therefore, there is {$320.00} missing from my escrow account. 

As of XXXX AM, XXXX, I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
XXXX stated that he was transferring me to a second tier to see if there was a way to end the escrow tax payments. Note that was not the primary reason for my call, I want to know where my {$320.00} is. XXXX stated that she would stay on the line and connect me with the tax department to find out where my money was. Instead she transferred me to XXXX, who sounded like she was offshore and then either hung up or disconnected me. 

I subsequently called back and spoke with XXXX who refused to transfer me to a supervisor and instead transferred me to XXXX, who had no idea why I have been transferred to her. 

I requested of XXXX that I be transferred to a supervisor, who then transferred to the tax department to XXXX. XXXX can not find my account. As I write this I am on hold for a supervisor. 

I am requesting that the Attorney General 's Office of the State of Iowa not only assist me in ascertaining where my escrow money is, but also require an audit of Caliber Home Loans with respect to their customers in the state of Iowa. 

Thank you for your time. I look forward to your response. 

Sincerely, XXXX XXXX XXXX, XXXX. ; XXXX XXXX Receipt # XXXX From : XXXX Sent : Fri, XX/XX/XXXX at XXXX am To : XXXX XXXX XXXX TREASURER XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE : XX/XX/XXXX XXXX AM OPER : WebPayments TKBY : WebPayments TERM : XXXX REC # : XXXX XXXX Tax Collections Parcel : XXXX Second Half Owner : XXXX XXXX XXXX XXXX XXXX Tax XXXX Paid By : XXXX XXXX XXXX XXXX REF : Import Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 n 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-25 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: NY

Complaint narrative:
There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( XXXX, Transunion, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.

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 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Since XX/XX/2021 Contacted FSA in regards to forgery with my loan illegal transfer as well. I was told I am under federal loan. 
I was informed by FSA they would not entertain assistance, if I was not federal loan, yet my loans have not been dealt with accordingly nor honorary loan pay freeze. I have interest added up making payment high now. My profession has been undermined and not categorized as a essential and XXXX XXXX XXXX XXXX XXXX, which brings the attention to why XXXX XXXX are not provided loan forgiveness as XXXX  have recently. We are essential XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I mail a letter to Equifax asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Equifax have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I signed a contract for an off-grid PV system with a battery backup system with XXXX XXXX On XX/XX/2021 I signed a contract ( loan # XXXX ) with Mosaic to fund the {XXXX} project. As per the terms of my loan there is one disbursement of {XXXX} when the installation is 100 % completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100 % completed and I confirm the completion. 
I can not get a permit for the type of solar system I signed a contract for. Thus, XXXX  has never completed the installation of the system I signed a contract for. However, on XX/XX/2021 XXXX XXXX fraudulently and illegally told Mosaic the project was 100 % complete. I was never contacted. Mosaic paid XXXX {XXXX}. When I was alerted that it was time to start paying the loan, I contacted Mosaic since clearly there was a big mistake. I dont have a permit, let alone a completed system, why am I paying for this as if it is completed? 
Since XX/XX/2021 I have been trying to get Mosaic to cancel this loan considering I dont have the system the loan is for. When I call Mosaic they start a cancellation case. XXXX XXXX then has 21 business days to contact them and either confirm the install isnt complete or to lie and say the project is ongoing ( which right there shows they lied earlier when they said the project was 100 % complete to get paid right?!?! ). I am on my 5th cancellation case. Each time XXXX calls Mosaic, lies and Mosaic then dismisses the cancellation without even contacting me. Even though I have told them XXXX is lying and shown them proof including the permit denial they still accept XXXX claim that the project is just fine. Why is this so hard for them to understand? I have rescinded the contract with XXXX and I am now in talks with the Contractors State Licensing Board because XXXX has committed quite a few illegalities. I got a voicemail from XXXX  ( my first correspondence with them on the project since XXXX ) stating they would sent paperwork so they can remove whatever items they have left here from my property. Clearly that should show the contract is null and void and the system will not be completed. However, XXXX will not tell Mosaic that because then they will have to give back the money. Do I just have to pay {XXXX} for nothing? I cant afford an attorney. I would like to shut the autopay off because I cant afford it ( my husband is now XXXX ) but if I do my credit will get ruined. This is a loose loose situation and after 6 months I havent gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: U.S. BANCORP
State: CA

Complaint narrative:
THIS CRIMINAL COMPANY IS ENGAGED IN FRAUD, DISCRIMINATION - IN HARASSING WITH RESPECT TO MY CREDIT CARD. BILLS ARE PAID ON TIME. THEY DO NOT GIVE REWARD POINT. THEY HARASS NOT AUTHORIZING TRANSACTION ANY TIME. 

THEY ARE HARASSING ME ALL THE TIME.

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 2022-03-25 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 XXXX 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 n 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-25 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 XXXX 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 n 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 XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 and XXXX Account # XXXX placed by XXXX has violated my rights.

15 U.S.C. 1681 section 622 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 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 2022-03-25 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 and XXXX Account # XXXX placed by XXXX has violated my rights. 

15 U.S.C. 1681 section 622 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
i had been using paypal and for no reason at all my account was closed i was also not given ay clear reason as to the closure of the account. 
contacted paypal regarding the closure of the account and try to appeal it but the support staff ended up saying the decision is final and theres nothing they can do about it. 
making it worse they locked the funds innitialy in the account and iam unable to withdraw it. 
I have heard that others are able to remove the funds after this period but for my case they have competely defaulted and iam still unable to withdraw it iam so frustrated and i would like to withdraw all my funds as iam in a very poor financial position. 
my paypal address is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX allerted me that a Capital One CC was opened in my name by someone that I did not apply for, it was approved on XX/XX/22 and mailed out to someone on XX/XX/22, we notified Capital One on XX/XX/22 and it was cancelled by their fraud dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AZ

Complaint narrative:
These people I assume are trying to collect a debt for my XXXX XXXX  who XXXX  with bills and zero assets. They are calling my work phone # and Ive answered and told them repeatedly that this is a business phone and to stop calling. They keep calling. Ive told them that I would report them if they keep calling so here we are. I dont know how these people even got my work number, but this needs to stop. 

Credit Control XXXX is the # they keep calling from.

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 2022-03-25 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: FL

Complaint narrative:
I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.

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