vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my ex husband has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made one.

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 2022-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In XXXX of XXXX XXXX became my mortgage company. In XX/XX/XXXX Mr. Cooper preformed a escrow review, this review stated I had a SURPLUS of {$130.00} and that my new monthly payment for XXXX would be $ XXXX according to the loan history the house insurance and the property taxes had not been paid yet. So I applied the surplus to principal. Then in XX/XX/XXXX, Mr. Cooper conducted another escrow review, this one showed a SHORTAGE of {$44.00}. This review also told me that starting XXXX XXXX that my monthly payment would increase to {$530.00} to cover this shortage. According to my SECURITY INSTRUMENT and the Real Estate Settlement Procedures Act ( RESPA ), I should have been given a chance to pay this shortage in full, or have it added into my monthly payment. Since Mr.Cooper did not provide me with a coupon or payment slip, I wrote a separate check ( # XXXX ) and wrote on the check that it was for the escrow shortage, and mailed it with my XXXX payment. I could not mail it with my XXXX payment ( escrow review statement was dated XX/XX/XXXX ) and was not received until after XXXX payment was mailed.On my XXXX statement I noticed that Mr.Cooper had taken the escrow shortage check and applied it to principal, I further noticed that Mr.Cooper did not reduce my monthly payment back to the {$530.00} and that they took {$6.00} from the {$17.00} extra principal payment that I was making as well. So in XX/XX/XXXX, I started sending just the {$530.00} monthly payment. In XX/XX/XXXX, I received yet another escrow review from Mr. Cooper, this one stated I had another SURPLUS of {$10.00}. Again Mr. Cooper arbitrarily lower my monthly payment without asking me how I would like to do with this surplus. Then on my XX/XX/XXXX, I noticed I had a {$19.00} overdue payment so I called Mr.Cooper asked them how this could be when Mr. Cooper stated in XXXX I had a SURPLUS? After all of this it was not until I wrote to mr. Cooper and stated thar beginning XXXX XX/XX/XXXX, that I would start paying my own escrow items and I would send them just the principal and interest portion of my loan. Mr. Cooper responded back to me by stating I can not do this because my loan did not meet the loan-to-value ratio of 80 % or less as stated in the RESPA. I looked into the RESPA and could not find anything about a loan-to-value ratio in it. Because Mr.Cooper has violated my rights in contained within the Mortgage Security Instruments of my loan and also Section XXXX of the RESPA I am asking you to help me with my request to be able to pay my own escrow items. This has been an on going issue for over a year with Mr.Cooper and is affecting my health and needs to be resolved now. 

My account number for Mr. Cooper is # XXXX Mr.Cooper address is : XXXX XXXX XXXX, XXXX, Texas XXXX Phone number : XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ok XXXX Phone : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
Consumer law rights I XXXX XXXX and XXXX XXXX will like to exercise our rights. 

New City Funding is claiming to have being there during the sale but that is a lie because we were on the phone with them at the time of the sale and XXXX was required to be put down. Which is unfortunate because they were suppose to exercise the truth and lending law 15 USC 1622b.

Now 15 USC 1692 F states it was illegal for them to repo our car - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

New City Funding disclose our information to a nonaliated third party.The company thatrepode our car there was no contract in place. Nor were we given a non-disclosure form.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a nancial institution may not, directly or through any aliate, disclose to a nonaliated third party any nonpublic personal information, unless such nancial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A nancial institution may not disclose nonpublic personal information to a nonaliated third party unless ( A ) such nancial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Another law I would like to add is 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

Now it's a 1,000 per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: SC

Complaint narrative:
I received a debt collector letter for XXXX XXXX. Ive never applied for a credit card from them. I did had identity theft happen to me years ago that ruined my credit and all. Im in need of help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
Account name : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXXO # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-30 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: MS

Complaint narrative:
EXPERIAN is to use this complaint as official notice that EXPERIAN is now civilly liable by reporting XXXX I have issued a CEASE AND DESIST to XXXX and any communication is a violation of my consumer rights. EXPERIAN is to adhere to this CEASE AND DESIST or be prosecuted to the fullest extent of the law according to the FCRA.

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 2022-11-30 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: NJ

Complaint narrative:
I wrote a letter to Experian and requested for them to reinvestigate some inaccurate accounts on my consumer report the results came back as verified and accurate and remains the same. It's obvious they failed to make sure my consumer report is reporting 100 % accurate. XXXX XXXX XXXX is the name of the company with acct # : XXXX this account is a charge off account that is reporting a status of open and reporting an active ok payment history every month, the comments clearly say early termination so if the account is terminated how can it possibly be opened and reporting an active ok payment history every month. The second account company name XXXX with acct # : XXXX this account results came back as verified and accurate and remains the same, how did it come back accurate when XXXX is the original company and the status clearly say the account has been written off comments say purchased by another lender meaning they no longer own the account. XXXX and XXXX are no longer reporting these companies or the accounts on my consumer report these accounts should not be reporting on my Experian consumer report you are reporting false and misleading information Experian has failed to properly reinvestigate these accounts Experian are willfully noncompliance with the FCRA laws. These inaccuracy 's is a false misrepresentation of my credit obligation this has cause me mental anguish and anxiety and has been an inconvenience to me.

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 2022-11-30 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: DE

Complaint narrative:
I've been having fraudulent information on my report that I've tried removing for months. I've provided everything and still no remedy. What can I do to change this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: DE

Complaint narrative:
I've been having fraudulent information on my report that I've tried removing for months. I've provided everything and still no remedy. What can I do to change this?

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 2022-11-30 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2022 I purchased a firearm in the amount of {$880.00} from XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX, XXXX, WA XXXX using my Citi Bank XXXX. In the XXXX of Washington, no one EVER walks out with the XXXX they have just purchased. There is a waiting period where a background check is performed, and generally, you have an answer anywhere from XXXX XXXX weeks if you pass. Unfortunately, while I had just been approved for a conceal carry permit, there was a weird mistake with the background check that required the services of an attorney to resolve. I was unable to take possession of the item within the time frame delineated by the merchant. The merchant refused to refund my money and I filed a dispute for the charge on or about XX/XX/2022. 
The credit card company apparently did not rule in my favor on the dispute as the merchant provided proof that I signed for the swipe by providing a signature, an issue that is not in dispute. What is in dispute is that the merchant failed to deliver the item to my possession and failed to refund the purchase price. 
On or about XX/XX/2022 I filed an appeal of the dispute. The credit card company failed to furnish me with a ruling on their dispute and I was surprised to find out that they had found in favor of the merchant. They apparently adjudicated on the appeal on XX/XX/2022 with the reasoning that it was not filed within a certain time frame. I re-contacted the credit card company on XX/XX/2022 and was also informed that the merchant apparently lied to the credit card company and told them that I had taken possession of the item on the date of the swipe. On XX/XX/XXXX, I re-appealed the decision and provided the credit card company with a copy of Washington XXXX XXXX about the purchase of firearms, proving that it is impossible to take possession of a firearm in the State of Washington on the day it is purchased, therefore proving that the merchant lied. 

To date, I have not received the charge back from the credit card company or refund from the merchant.

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 2022-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
This FAIR COLLECTION & O that has a balance of {$0.00} opened date XX/XX/ is not belong to me. I don't have an idea why I got this collection. THIS IS A FRAUD! I believe that someone used my identity to open this account. I am not the one who is responsible for this collection. It is not fair! I already filed an FTC affidavit. Please find attachment. 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 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase complaint. ( Case XXXX ) On XX/XX/XXXX a deposit of XXXX euro was made on my coinbase acount. 
When I tried to withdraw it it appeared my account was blocked and I was not able to withdraw. 
A few days later the XXXX euro was gone from my account. 
When I contacted Coinbase they said they can do nothing to restore it and the did not want to give the reason why. 
So my conclusion is that their software is no good or they just stole my money. 
I have in my posession the recording of the telephone call with the person who made the deposit and the screenshot of the moment the XXXX euro was still on my account. 
I hope you can help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: NC

Complaint narrative:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a XXXX  XXXX as a result of this circumstance.

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 2022-11-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all XXXX credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..

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 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal said that there would be a XXXX hour hold while they reviewed my transaction for security purposes on XX/XX/2022. The confirmation email said the money would be available for my recipient " on or before XX/XX/2022. '' Today is XX/XX/XXXX. The money is still not available for my recipient. Paypal debited my account- {$2000.00} on XX/XX/2022. I can not get in touch with a live person at Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My mortgage loan with Caliber was transferred on XX/XX/22 to XXXX ( XXXX XXXX ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to XXXX for up to 60 days received to Caliber. The payment from XXXX for XX/XX/22 has yet to be sent to XXXX causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard XXXX is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from Caliber and XXXX payment will be sent out on XX/XX/22. No explanation from XXXX as to why or where. No information pertaining to HAF assistance was related to XXXX.

Company response to consumer: Closed with explanation