vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-04-27 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: MI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
on XXXX I paid off 2 Collections from : National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX They informed that they would delete this 2 collections from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

XXXX XXXX : XXXX Account XXXX : XXXX NCAAcct. No : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account No : XXXX NCAAcct. No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
on approximately XX/XX/2021 a new company took over our mortgage. 
we made a single payment through our bank, the same way we have done for years. 
my XXXX XXXX/ Mr Cooper is the new company, we filed a complaint that they took out XXXX payments instead of 1. it took them nearly 1 entire month to refund us back XXXX dollars, a month later they charged us a refunding fee, {$15.00}. we complained several times but they just blow us off and never do anything. we would like our {$15.00} credited to our mortgage and any late fees associated buy the companies mistake, we would also like them to refund us for our insufficient funds fee of {$50.00}. this error was done by the company and not buy us.

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 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
In XX/XX/2022, I requested to have the PMI removed from my mortgage. In XXXX an appraisal was ordered by the servicer and the value came back at {$510000.00}. I currently have a loan balance of {$390000.00} which would give me approximately XXXX XXXX XXXX ratio. The servicer has denied my request for PMI removal indicating that the XXXX ratio needs to be at XXXX XXXX. That is outside normal requirements for PMI removal. When I requested the documentation that indicated the XXXX ratio was reduced to XXXX XXXX  I was told there is no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/2022 -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX XXXX XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  CA XX/XX/2022 -XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX  XXXX  XXXX -XXXX  XXXX  XXXX -XXXX  XXXX XXXX -TXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Started getting letters from the debt collecting company for {$210.00} because I was supposed ly employed by a fake company called XXXX shipping last year where I was supposed to be shipping products to consumers through the United States Post office and also XXXX  now that I found out after 30 days of being employed was never paid for the position that I work for and I was cut off from all communication from fake company phone calls numbers website at the work but was never compensated now I'm coming to find out after almost a year that people are coming after me to pay for these packages that were sent out and never paid for through this fake company I was never paid I feel like it's unfair for me to have to pay out money to a company that is defrauding people through a legitimate website indeed where people are looking for work to support their families and pay their bills and this company is defrauding people setting up websites with these people and then making them work for 30 days with a promise of a check for the work and being cut off on that 30th day where you can not contact anyway this company is defrauding people besides myself and causing hardship to to honest people like myself and now are faced with debt collectors trying to collect money from us the people that was defrauded like we're criminals and the company is operating scaring good citizens of the United States there should be a law against people opening up companies and then scamming people employees out of their time and their money without any means to prove that this is all a mistake because I am the one that's the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Servicing of mortgage was transferred with only 7 days ' notice. With only 7 days ' notice I need to find out how to pay the new company. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states that 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 2022-04-27 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-04-27 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
Hello I have reached out to Experian multiple times for a resolution for two collection items on my credit report. Each time they have not removed them as requested. They are only taking the creditors word. Now they wont even allow me to submit anymore disputes. How can they take away my rights to dispute inaccurate information on my credit report that is affecting my life. *I attached proof that they wont let me dispute these anymore* XXXX XXXX XXXX XXXX- {$8200.00} XXXX I was affected by XXXX. My state was on lockdown. I called and notified the school I couldnt get the letter notarized because no place including the courthouse or library was opened. They sent my already paid Financial aid back to the department of education. Please remove this as I am not responsible for this balance. 

XXXX XXXX XXXX XXXX XXXX {$840.00} - I want this removed. They are reporting inaccurate information and the balance is not correct. They also charged off and closed the account. Please remove this 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 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance XXXX XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I submitted a application with XXXX XXXX XXXX XXXX. Application was running smoothly and on track for me to get assistance thru them to pay my default loan balance. On XX/XX/2022 I was informed by the program that my loan servicer from Wells Fargo gave them false information, causing my application to be cancelled. WELLS FARGO told the XXXX XXXX XXXX that my loan # : XXXX had been modified and that its no longer delinquent, there for I no longer qualified for the relief program. Ive contacted wells fargo directly multiple time since then to find a resolution in correcting this false information, they have refused to provide any letter stating that our loan is not modified and that it is infact still delinquent. There is a incentive for Wells Fargo sabotage any offer from any other program. The offer that wells fargo has given me, is to modify my loan to 30 year modification that would not only have me repaying them directly but also any other interest that such loan would provide to them. The application # from XXXX XXXX XXXX XXXX that was cancelled is : XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
America First Credit Union notifies consumers to resolve checking accounts that have been overdrawn for an extensive period of time. This timeframe consists of 5 days. The financial institution 's communications continuously arrives in the complainant 's spam folder. The consumer requested that this be fixed for their provided timeframe to not be affected. This was not fixed upon lack of response. Also, the financial institutions requests payment arrangements to prevent account closures. The consumer had provided a payment arrangement to the financial institution. Regardless, the account was still closed. The consumer/complainant is filing a respectful complaint against America First Credit Union because the consumer communicated per request alongside provided a first payment arrangement. This account closure makes it appear as the financial institution does not stick to its word when attempting to negotiate matters with consumers. Also, the financial institution currently has a money order to be deposited into the account, [ re payment arrangement ]. However, this is affected because the account was closed. The consumer had voluntarily dropped its first complaint out of kindness. 

Initial Complaint : The financial institution 's ATM would wrongly display a balance that exceeds the actual balance on the account. This would be checking the balance when logging in the ATM. Upon withdrawal, this would result to a negative balance. The provided receipt would still present a positive balance after the withdrawal. The consumer would not be aware for an estimated month. Eventually, it was refilled after complaining to the XXXX XXXX XXXX then graciously working with the financial institution. 

A second complaint is being filed because the consumer was performing his part after the financial institution 's most recent communication concerning the negative balance. Also, the consumer feels that money was wasted if the financial institution would receive a deposit, [ re first payment arrangement ] to find that the account was closed. Additional concerns include the financial institution 's access card not working when initially attempting to make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
XX/XX/XXXX at approximately XXXX an agent from Cascade Receivables contacted me by telephone, verified my name, told me I owed money to XXXX XXXX for approximately {$300.00} from XXXX. I proceeded to explain to her that I have two insurances and should owe nothing. I informed her that I could provide her with the insurance information and she declined stating the bill was from 4 years ago and they would not rebill. I also advised her that another debt collection agency contacted me about the same debt and I dont understand how two collection agencies can bill for the same thing. The agent then proceeds to tell me because thats the way things work and that it can bounce around. She also then states that the debt is only X amount and she has seen bills way higher and I need to just pay my debt. I told her I didnt care how much it was that I am not paying something I do not owe. The agent then tells me, I can tell you dont care because you dont pay your bills. Your son was in the hospital and you owe the bill. The call was then disconnected. 

I called back to their office to complain and the agent that answered this time, after letting him know that I planned on filing a complaint, said, good and hung up. 

I called back to their office again and advised this agent to mark my account as a do not call or I will file legal suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime account is making decision on fraudulent charges in second had unauthorized charge I didnt do but still liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom IT May Concern. On XX/XX/2022. I submitted a dispute letter to Equifax, XXXX and XXXX. I saw many addresses, names and phones that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified.But, how though when nothing was sent to me in regard to what they did to verify my dispute. I asked for my credit report in my letter and the means they used to verify this information was mine personal information. I have never lived at any of these addresses before and they refuse to remove them. This is unfair and a violation of my rights. As we all know these companies do not work for the government or state department. All I am asking is that thigns are reported properly. False information can hurt charcter of the person. Just beacause someone has a simlier first name does not mean that it is them.

I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XXXX, I still do not have an updated credit report from them. I take my credit very seriously and all of these addresses and phone numbers that are not mine are disturbing. I was about part of a data breach a couple times and so as I leanred of this I contacted them and I get no results. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an email from Wells Fargo ( XXXX ) that contained an access code to view my application for new credit. While I do currently have a Wells Fargo credit card, I have not applied for any new credit. At first, I thought the email might be a scam, but upon closer inspection, it appears to be a legitimate email from Wells Fargo. I tried contacting them by phone on XX/XX/XXXX but got bounced around to different people, because no one could tell me what the access code was for. I also forwarded the email to an email address on the Wells Fargo site for reporting suspicious communication and received an automated response but have heard nothing since. I'm concerned that someone may be applying for credit using my identity or that Wells Fargo is fraudulently opening new accounts in my name, as I'm aware they've done to their customers in the past. I need to know what new credit applications are in process at Wells Fargo under my name and halt the processing, but I'm unable to reach anyone at Wells Fargo who can figure out what this is about.

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