vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
Community Loan Servicing was that company I used to have my mortgage with ( https : //communityloanservicing.com/ ). I sold the property. Community Loan Servicing got paid. I however never got a disbursement check from them. The closing was on XX/XX/2022 ( when the house went to the new owner ). I had paid XX/XX/2022. I understand they charged XXXX, XXXX, and XX/XX/2022 to the title company. There was escrow too. Meaning that they should give me money back. Community Loan Servicing instead transfer my loan to XXXX XXXX. XXXX XXXX says my information could be with XXXX XXXX I have spent numerous amount of hours with representatives from the 3 companies but none of them can find my info. I changed address but have not even been able to update any of my info because none of these companies have my account information. 
My name is : XXXX XXXX My phone number is : XXXX My social security is : XXXX My email is XXXX The account number with Community Loan Servicing is XXXX The address of my property that got sold and had the mortgage is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX. 
The closing ( sale ) happened on XX/XX/2022. 
The title company was : XXXX XXXX XXXX XXXX. 
My new ( mailing ) address is : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX  and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.

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 2022-07-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Was a co signer on that vehicle and they took this off of my mother 's credit report and still showing on mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
I accordance with the Fair Credit Reporting act XXXX  the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED XXXX XXXX - Account # XXXX XXXX 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 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 2022-07-28 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy.

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy. 

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,

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 2022-07-28 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
Incorrect information and do not recognized these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I made a transaction with XXXX XXXX XXXX for a XXXX that was to happen on XX/XX/2022. On XX/XX/XXXX they changed the XXXX  XXXX center and the doctor that I initially requested. At that time I told them that I did not want the surgeon  that they assigned me due to that doctor being involved in a death of a patient of his last year. I then expressed that I wanted a refund and would not be following through on XXXX since the doctor that I requested could not be assigned to me. On the morning of XX/XX/XXXX I logged into the patient portal to put through the paper work for a refund, at that time I no longer had access to the patient portal where the merchant paperwork that I signed states the only way that I could request a refund would be through the patient portal. I no longer have access to my records or documents because I have been denied access to the patient portal. Multiple attempts to resolve the issue with the merchant went unresolved and unanswered. I then filed a dispute with my credit card companies based on the fact that XXXX took my money and refused to attempt to resolve this issue with me. My credit card companies have then come back to me stating that I need to show that I attempted to cancel with the merchant XXXX. I then sent in text messages and emails and my claim was denied because they said that they could not accept electronic communications as proof. The merchant is in XXXX Fl and I live in XXXX DE all of our communications are electronic and the merchant has taken my access to documents away from me I have no way of providing the information that my credit card company is requesting. The merchant has not stopped communicating with me. The merchant has my money and has not provided services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
They are garnishing my ssi check and not reporting it to the credit bureau 's not showing its paid on time every month and still the balance is still the same after 3 years of garnishment!

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my Transunion report and provided this information over to the reps, and managers at Transunion over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2022-07-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am being scammed by phh mortgage XXXX  out of XXXX  dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NY

Complaint narrative:
I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of " investigating the consumer. '' According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/ she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not 100 percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. 

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX University 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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Chime Financial Inc
State: NV

Complaint narrative:
Family member stole my chime card and book the trip in my name and I asked time to give me my money back that someone stole my card from my phone and time decided the same day not to give me my money back and I talked when an attorney and they said they having a lot of problems with that issue with Chime and to cancel the trip they said they didn't see no problem with the transaction that don't even add up to cancel the trip and give me my money back they denied the claim about the police report for identity theft about this battle and chime will not give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I was contacted by CashNetUSA claiming that I received a loan from them. They stated this was an online loan that they sent to a bank account not linked to me. They stated they need a police report to do anything further, but I was instructed I had to start here. They did not not give me an exact amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CA

Complaint narrative:
This is the second complaint I have filed in the last 2 weeks. They still have not solved the issue. XXXX XXXX XXXX XXXX is attempting to pull my equifax report and they kick it back and will not release the report. I have called Equifax 9 times, each time they assure me they are going to fix the issue. I have asked to speak to a supervisor many times and they simply disconnect my call. I tried again this Morning, XXXX XXXX XXXX XXXX attempted to pull credit and it returned an error saying Equifax will STILL not release my credit report. The last complaint I filed with the CFPB did NOT resolve the Issue. XXXX and XXXX release the report without Issue but Equifax Still does not Release the report. This is causing me extreme emotional stress and financial Harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}

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 explanation