vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: DE

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, TransUnion ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies

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 2022-02-24 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: DE

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 filed a dispute over 30 days ago and I have not received any information about the investigation of the dispute that I have file.

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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC
State: CO

Complaint narrative:
I refinanced my condo in order to remove it from a VA loan because I was purchasing another home using VA. The loan XXXXfficer submitted the paperwork as a primary home although I brought it to his attention on a couple occasions and his reply was that it would be fine to refinance it that way. He also indicated that at the time he has four homes financed this way and it would not be a problem for me. Well .... When I went to purchase the new home, it was problem. I now had to refinance the condo again in less than a month and this time pay out all of the closing costs out of pocket. To include I had to produce the fact that I had over XXXX in the bank to secure both properties. I have reached out the loan officer and his boss several times asking for Errors and Omissions XXXX & XXXX XXXX information so that I can file a claim to be reimbursed for this mistake. To date I have not received this information nor a call from either of them that let 's know what is happening with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item :

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 2022-02-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is supposed to protect my rights. I am making complaint hoping that this issue can be solved. INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - AN # XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Chaparral Inc
State: OH

Complaint narrative:
Company has pulled my credit report multiple times without permissible consent. 
Company Name and address- XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX OH XXXX Unauthorized Inquiries below. 

XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX The date on the credit application XXXX XXXX from XXXX XXXX  says I gave consent to pull my credit report is from XX/XX/XXXX. That is almost 7 years ago, inquiry 's fall off credit reports in 2 years according to the CFPB. 

Also, the credit application sent from XXXX XXXX date at the top doesn't match the date where the signature XXXX XXXX says I've signed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
i dont know why this is still reporting on my report when I have already toldf Transunion about them violating my rights by keep posting this account like its mine. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}

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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Our mortgage was sold to Roundpoint Mortgage company in XXXX 2021. Our property tax and insurance are in an escrow account and should be distributed to the county and insurance company when due. 

Our insurance premium for the year was due on XX/XX/XXXX and Roundpoint should have paid that bill from our Escrow account. On XX/XX/XXXX we received an Expiration/cancellation notice from our Insurance company because they hadn't received payment. At that point I reached out to Roundpoint asking why this hadn't been paid and asked them to get back to us as soon as possible. I've sent several emails to Roundpoint over the last ten days and the only response I'm receiving is an automated reply.

I went ahead and paid the insurance premium directly so we wouldn't have a lapse in coverage on our policy.

Nobody at Roundpoint will get back 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 2022-02-24 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: OH

Complaint narrative:
I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A payment of XXXX was posted on XX/XX/2022 into my Wells Fargo credit card account ending in XXXX. This payment did not reflect on the statement. The last day of the statement period was XX/XX/2022. Another payment for XXXX posted normally on my account on XX/XX/2022. These payments totaled XXXX. This was more than the total amount due, per the statement. Despite this, Wells Fargo 's software did not recognize that I had fulfilled my minimum amount due. As a result the Wells Fargo system debited my checking account ending in XXXX automatically for another XXXX on XX/XX/2022. This software error resulted in an overdraft and XXXX charge to my bank account. Wells Fargo 's policy on automatic account payment ( clearly ) states that an auto debit will only occur if the total of the payments in the account are less than the minimum amount due. In my case, I had fulfilled more than the minimum amount due. Regardless of this, the Wells Fargo system software auto debited my account anyway on XX/XX/2022 without my knowledge or consent. The next day on XX/XX/2022 I talked to at least 4 representatives who were helpful and polite but were not able to offer an understandable explanation as to what happened. Finally I talked to a credit card account escalation representative named XXXX. She was great, as were all the reps I talked to. She agreed the above occurred. On XX/XX/2022 I also talked to XXXX at the Wells Fargo customer advocate department regarding this. Both individuals ( XXXX and XXXX  ) understood what happened and assured me the issue would be addressed and corrected. However I actually needed to make another call to get the XXXX charge reversed. Sorting this out took 8 calls over two days totaling 135 minutes ( 2 hours 15 minutes ) on the phone in order to have the XXXX charge reversed. I was told the Wells Fargo system would still have a record of a bank overdraft against my account that could not be reversed, at least by the reps that I talked to.

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 2022-02-24 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:
I am very concerned about the items that are being reported on my consumer file. Not only are they inaccurate, they are unjust, and cause great harm to me and my family and are livelihood. They should should not even be reporting any information I DID NOT give them consent. I want these accounts removed immediately or Ill will be filing a legal 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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Banc One Mortgage Corporation
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX took loan application as a primary residence occupancy loan. They have arbitrarily changed my loan to a secondary without my consent, in addition new rates and fees have been applied including interest rate and insurance. 
My contract was based on a occupant for a primary residence. Im being forced and ignored. 
My loan number is XXXX with banc one Mortgage corporation The purchasing property address is : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have signed the purchase contract as primary residence. 

my contact number XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2022, I called XXXX ( Netspend ) to close my checking because I can not transfer my money out of my account ( XXXX  ). They are only allowed to withdraw money from ATM machines. After I request to close my checking account, I have been told by CSR there is a direct deposit of {$1000.00} in XXXX that was not under my name. I told them {$1000.00} direct deposit was under my mother 's name. It was accidentally deposited to the wrong account. I asked them if they can issue a check of {$1000.00} to my mother 's name. They told me it must be ACH back to its original from. The {$1000.00} comes from my mother 's XXXX  payroll. On XX/XX/2022, they told me the money would return to XXXX. It takes up to six days to receive it. As of today, we still do not receive the amount {$1000.00}. The bank asks us to contact XXXX  with a trace number, but XXXX  can not find it. The {$1000.00} was lost, and XXXX  can not find it. The bank can not do anything for that.

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 2022-02-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State 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 2022-02-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax : I can not access my report on no webiste, not XXXX XXXX, equifax or XXXX. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

XXXX : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: MA

Complaint narrative:
XXXX, XXXX XXXX, XXXX failed to properly pay my real estate property taxes for XXXX 2021 from the accured or advanced escrow account, yet they increased my mortgage payments from the original {$2300.00} to almost {$2600.00} with the pretext that my property taxes increased during the XXXX. I called my tax assessors office and received a tax bill that states that the servicer hasnt paid any taxes via escrow since first quarter 2021 and so the city placed a tax title ( lien ) on my deed! Our servicer changed from XXXX to ServiceMac as apart of their transfer transaction. The notice of transfer and billing statements show escrow disbursements that were not in fact made i.e. fraud. We have been paying the escrow with the increased adjustment and neither servicer has paid the fees. Ive contacted both and get the run around as the city tax assessor has confirmed non-payment. I cant even get proof of payment from ServiceMac ( something showing a mailed check # or EFT acutally demonstrating payment ). In all my billing statements are incorrect and the Form 1098s mailed to me are inaccurate at best or fraudulent.

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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I called Rushmore Loan Management on XX/XX/22 because I did not receive my monthly statement and wanted to know what I owed, they said I did not receive a statement because my account was referred to collections. I spoke to a representative who gave a name as XXXX, ID XXXX, who stated I had to pay in full the remainder of my mortgage balance. She further stated they would not accept the monthly payment of {$170.00} reflected on my last statement but would refuse any payment unless it was a payment in full. 

After a loan modification years ago I have a deferred balance of {$2000.00} and a separate balance I have been paying interest on at the rate of 4 % after the modification. I have paid all but a penny of the interest portion of my balance so they are now saying I must pay in full the deferred balance immediately. 

I stated I have many years before my mortgage is due and I do not have to pay off the mortgage early and do not have the ability to pay the balance owed but I will continue to make my monthly payments. They stated I can only pay off the remaining balance in full and they will not accept anything but full payment. They stated again I had to pay in full and they would reject any monthly payment I may send in. 

I dont see how they can demand payment in full when I still have years left on my mortgage term.

Company response to consumer: Closed with explanation