vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I obtained a loan from Planet Home Lending on XX/XX/XXXX. My insurance agent provided Homeowner 's insurance and Flood insurance quotes and the premiums were paid during closing. 
Problem # 1 = insurance information was never updated on the portal! 

A bit later I found out that Planet Home Lending decided that the property was in zone A ( though FEMA map shows it in zone X ) and requested my insurance agent to find the quote for zone A and additional funds were disbursed to pay higher insurance. 
Problem # 2 = I was not informed, not a single letter, email, etc. All of this was done behind my back and my insurance agent told me that Planet Home Lending assured them that I was aware. 
Problem # 3 - FEMA shows that the property is located in zone X and the original flood insurance I had was sufficient to cover for flood insurance. 

in XX/XX/XXXX I received a letter from Planet Home Lending informing me that I did not have an active flood insurance and that I needed to get one, otherwise PHL would purchase an expensive one for me. That sounded like a fraudulent scheme ( similar to the ones other consumers suffered from based on multiple complaints found on the web ), how can the same company who requested to charge more money for the existing flood insurance now XXXX months later tell me that I did not have any flood insurance? 
when I received that letter, I uploaded proof of insurance to the portal address provided and sent a paper copy proof for homeowners and flood insurances to the address provided in the letter. 
in XX/XX/XXXX I found out that Planet Home Lending fraudulently charged me for the second flood insurance {$2200.00}. In addition Planet Home Lending is planning to charge me additional {$370.00} for XXXX XXXX XXXX XXXX  insurance on XX/XX/XXXX, which is the second XXXX insurance on the same property, this looks like an attempt to fraudulently use my escrow funds to purchase additional insurances not required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX XXXX XXXX XXXXXXXX Account Number 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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Account closed due to fraud. Lost debit card during the time of event so I had no access to the account. Ive since had 2 accounts. Trying to get the status of my XXXX XXXX account fully operational.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report. 

XXXX 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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MS

Complaint narrative:
Disputed a debt for Resident XXXX by Hunter Warfield referred to XXXX XXXX, Disputing a debt they are now claiming it is valid, without giving me proof of the validity of the debt. I can prove the debt is invalid per my lease ( Legal document pertaining to the property ) I can prove the debt is invalid per NRS 118A.242 ( 4 ), since the landlord failed to provide an itemized statement within 30 days of lease termination. Paid rent in full and the apartment complex kept my security deposit that I did not get back. Has stole my personal information to get money from me and I havent gotten a written statement on why I should be paying XXXX for somewhere I havent been living at since XXXX  and all the rent was paid. And I just get a letter in the mail saying I owe them this balance when no one from the complex informed me about this until 3years later.

However, they are pushing me to pay the money their client claims they owe, and are completely disregarding my proof that the debt is invalid, they don't have proof and they are switching to bullying tactics to try and collect this debt. In which I havent been living at this address for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi, To summarize : 1. I required a NY State Inspection Emissions test 2. I paid a mechanic located at an XXXX that offered to conduct my test once certain criteria was met 3. The mechanic has since disappeared and could not finish my service.

4. Wells Fargo denied my claim despite a provided invoice and first time raising a dispute chargeback in my years of banking. 
Claim is decision is attached with email support.

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 2023-05-22 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$200000.00}

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 non-monetary relief
Consumer complaint received 2023-05-22 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$200000.00}

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 non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I created a transaction for {$830.00} USD which was supposed to be ( per their disclosure on their website when creating the transaction ) available " within minutes ''. The transaction was held and held and held until I had to call on XX/XX/XXXX to resolve the issue which they claimed at first was because the local bank needed to verify my identity ( being a bank in the XXXX, why would they require the sender in the XXXX to verify their identity, and why would WorldRemit be the one to verify the information? I once again attempted to send money via WorldRemit on XX/XX/XXXX in the amount of {$460.00} USD. After multiple phone calls and many back and forths, my family member finally received the money on XX/XX/XXXX. This with WorldRemit claiming it was the local partner, then that it was a bug in their system, then that it was the local partner again, then that their support team was taking a look at the issue. Then on XX/XX/XXXX, I created another transaction in the amount of {$460.00} USD again, to the same recipient as the previous transactions and after multiple calls and backs and forths again with the same XXXX  of its the local banks fault, then that its their system that has a bug, then that they needed to verify my identity ( on XXXX different calls they needed to verify my identity then promised the money would be released within XXXX hours ) only for me to finally cancel the transaction XXXX days later on XX/XX/XXXX and do the transaction with XXXX XXXX which went through immediately. Now, me being the forgiving and loyal-to-a-company kind, decided I'd give WorldRemit another chance this month and created a transaction on XX/XX/XXXX in the amount of {$1100.00} USD. It is now close to midnight on the XXXX of XXXX, and wouldn't you know it - my recipient still doesn't have the money I sent, and on WorldRemits website it's stuck at " Local partner processing transfer '' which I'm assuming is the same XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX BANK XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: UT

Complaint narrative:
Experian has my " profile '' name correct. Experian is charging my credit card automatically on a monthly basis and has been for all the years I have been a member. The credit card states my correct name. However, my credit report is and has been under my MAIDEN name for all of the years I have been a member despite all the disputes I have filed over the years. I have been married for XXXX  years and they will not change the inaccurate " reporting '' using my maiden name. In addition and of the utmost importance they have my birth date incorrect. I submitted my birth certificate via an online dispute clearly indicating my CORRECT BIRTH DATE! They still have not resolved this issue on my credit report and when I check the status they state they updated my credit report with my correct birth date. THEY HAVE NOT! When I try to submit another dispute to include both my birth certificate again and my marriage certificate which states my correct date of birth AND my married name it states " We are having technical difficulties. '' I have been disputing incorrect information on my Experian report for which I pay for every single month for years and finally gave up as they have not recognized any dispute due to " an internal policy '' of which they will not disclose. I am now filing a complaint.

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 2023-05-22 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: NY

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have 4 late charges on my credit report that the company promised wouldnt happen when I was on a Covid Relief payment when I lost my job. Ive havent missed a payment since. Please remove all late payments from my credit report which is inaccurate. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NY

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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX & XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights.

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22 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: MT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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