vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX, XXXX XXXX XXXX issued a payment to the taxing authority in which I reside, on a non-escrowed XXXX mortgage after I had already paid the property taxes for the home in full. 

In XX/XX/XXXX I received notice from mortgage servicer that my mortgage was in an escrow deficit, and that I was to cover the amount rendered for the current taxing year, as well as cover the escrow payments for taxes and insurance for the following year, Which was to be paid out in XX/XX/XXXX. 

This raised my monthly payment from {$2000.00} a month to {$5500.00} a month with no allowance for partial payments. 

My calculated DTI for PITI was in the neighborhood {$4000.00} a {$4500.00} a month. This situation raised my financial obligations to over {$6100.00} a month. 

Furthermore, while the loan servicers statements claimed this new amount was to cover Taxes and Insurance, I later found out that they were covering only the property taxes in the newly calculated amount, as the insurance company was not paid the premium to cover the home, which created a subsequent problem in which a forced policy was applied by the lender to cover the lapse in coverage. 

This situation has yet to be resolved and has caused me extreme stress and anxiety, and I am now facing the foreclosure of my home and potential homelessness. As I am currently unemployed in the aftermath of the COVID-19 pandemic, should I lose my home it is highly unlikely that I will be able to recover and continue on as a contributing member of society.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have received multiple inquiries on my credit profiles. From unknown sourcesXXXX  equifax, XXXX in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX on XXXX, and XXXX XXXX. On my XXXX profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. Equifax is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. equifax is also still blocking me from see my credit report after I purchased the monitoring subscription through equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My Experian account has been hacked, the email address was changed. The hacker has removed my credit freeze which was protecting me. Calling their XXXX does not have any option to help regain account access or even speak to a support representative. The result is that I no longer have any way to access my account or regain control from the hacker. 

The result of this breach is that I have been contacted by XXXX XXXX and XXXX regarding new cards that have been requested without my authorization, consent or knowledge. I was able to deny these requests once XXXX XXXX and XXXX contacted me, but I am still vulnerable due to this Experian account hack and their inadequate automated contact options. Experian account security is weak and once someone has hijacked your account there does not seem to be any reasonable and XXXX  way to regain control of the account. Help please!

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 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I am filing this complaint on behalf of the Homeowners, I have been assisting them since XX/XX/XXXX with their FHA Mortgage loan being serviced by Carrington. 

The couple fell behind with their mortgage initially due to XXXX and was offered and accepted a modification in XXXX XXXX. However, due to ongoing financial hardship they fell behind again and reached out to me for assistance with their XXXX XXXX  application as they had received a denial from XXXX  XXXX. I assisted with an appeal to XXXX  XXXX, they had misread one of the homeowner 's pay stubs. The appeal was approved and the application has been able to move forward. 

XX/XX/XXXX : Carrington Mortgage was informed of the XXXX XXXX application and requested a stall in any foreclosure action. XX/XX/XXXX Carrington Mortgage was contacted for follow up as homeowner received a letter from XXXX XXXX XXXX ( attached ). 

XXXX  XXXX sent a request to Carrington Mortgage through the portal for an " I '' report on XX/XX/XXXX according to homeowner and confirmed verbally by XXXX  XXXX on XX/XX/XXXX. 
Housing Counselor has made several calls to Carrington Mortgage to encourage providing the requested information. On XX/XX/XXXX Housing Counselor was informed by Carrington that they received the request from XXXX  XXXX on XX/XX/XXXX ( not the dates XX/XX/XXXX as stated by XXXX  XXXX ) XX/XX/XXXX : Housing Counselor spoke with homeowner stating a package was attempted to be delivered today from XXXX XXXX XXXX but her XXXX  XXXX  was not able to sign for. Assumes it is XXXX action. XXXX  XXXX reviewed, states XXXX  XXXX filed XX/XX/XXXX. ( attached ) Conference call made to Carrington Mortgage, customer service rep confirmed XXXX action and stated to call back weekly. Call was made to XXXX  XXXX, customer service rep stated they are still waiting for information requested to be provided by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: OK

Complaint narrative:
These are the hard inquiries I want to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are fraudulent hard inquiries that I already called transunion ab and they are not trying to fix the problem at all tired everything I can with sending in letters still no nothing

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 2022-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out SEVERAL times and they will not update my personal information to report correctly, and I have a couple hard inquiries that need to be removed as I did not authorize these. They will not even discuss my credit report or my information with me. Very unprofessional as to why I will be seeking legal action if these items below are not corrected in a VERY TIMELY manner. 
Per the legal advice my name needs to appear as it does on my ID XXXX XXXX XXXX any and ALL other names need such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to be removed. 
My address needs to be updated to XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX - never lived here Remove XXXX XXXX XXXX XXXX, Va XXXX - no such street - do not live here XXXX XXXX XXXX XXXX XXXX Va XXXX- do no live here Remove XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX- do not live here Remove employer XXXX - I do not work here Remove XXXX XXXX XXXX I do not work here My employers is XXXX XXXX - UPDATE to reflect this employer These XXXX inquiries were NOT authorized and only XXXX ran my credit through them in XX/XX/2021 - how these others got on here are beyond me as I only authorized one credit run when I bought my car. I spoke with XXXX and they said they did not request these inquires as they knew only to try one bank. As NOBODY would shop around and allow this many hits on their score and credit report. I am beyond livid that this is on my report to begin with. 
If these items are not removed and or updated in a timely manner I will be getting a lawyer to look into this and will sue if i need too. This is affecting my credit rights, consumer rights and withholding me from providing for me and my children. CORRECT THIS NOW!!!

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 2022-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc.
State: TX

Complaint narrative:
I got solar panels installed and got approved for a financing loan from Tesla to pay for the panels for account XXXX. I reached out to Tesla XX/XX/2022 to see if there is a way to payoff the loan faster on their website or app. Several times they responded that there is no way currently for me to do this. They said they would add a feature to allow this in the future. However, they keep pushing out the update later. Also, they said if I do make additional payments that money will not go towards the principal of the loan. It would set in my account to pay the monthly payments. 

Probably thousands of customers with a loan with them for solar panels and self storage batteries will accrue interest on their loan with no definite date to add this feature or a way to pay off the loan faster. Furthermore, the loan shouldn't have a pre-payment penalty and I believe it is illegal to have one for a loan. Pre-payments are not possible since all extra payments don't go to the principal or their system doesn't allow this. 

Lastly, I don't get monthly statements and my online account don't state anything about my payments or how much is left on the principal of the loan. I think this is illegal since companies are required to notify the payee about this amount.

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 2022-11-28 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: OneMain Finance Corporation
State: TN

Complaint narrative:
This Company One Main Financial is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate.

15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.

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 2022-11-28 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: DISCOVER BANK
State: FL

Complaint narrative:
I am a cardholder with Discover. Recently I opened a dispute against a charge I have on my card for {$340.00} against a website that scammed me on XX/XX/2022. I ordered a product for this amount and never received what I ordered, and my dispute was denied because Discover said they could not contact the merchant, yet I stated many times that the merchant was a scam and the website from where I made my purchase was no longer up. The staff at Discover have been extremely rude and unhelpful saying that there is nothing that they can do about this issue. From the photos I will be attaching you will see my receipt for the product as well as how the order is still pending in my XXXX  application, which is an application used to track orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The company PayPal since 2021 refused to close account and given me attitude over using a Russian email address. I have heard excuse of technical errors for almost 3 years and refuse fix or prioritize my issue even if I call them monthly basis and when im told to email I email as well. I talked to many departments of PayPal from disputes/senior intendants and even office of some of their representatives through executive escaltaions email they sent me. I began case through better business bureau and PayPal once again refused closing account for issues they call technical and refuse to close this acct. Currently im unable to log in and company only made me contact merchant customer support so can " work on technical issue '' under request of executive sections office under admin venu. But I was told technical team also their was no issue my account to close that customer service should be able close it but like mention many times the customer service refused and always give me different excuses so won't close acct even if technical support which I contacted this year along side executive office to close account. 
The acct currently unable to log in and company refuses to close it over phone and im always told investigations and more I will receive papers via mail ( I never did for 2 years ) Bad character and service since XXXX used my Russian email address and I was told if I lived in XXXX. When im from XXXX. Alot of horrible waiting and refusal to close account when their no issue and ones who can close acct refuse too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/2022 Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Charge XXXX XXXX # XXXX XXXX XXXXXXXX, I am responding to your last response letter from the Consumer Protection Bureau portal regarding this Avenue account, you are mistaken as this is your final letter because the details of this account is false and deceptive. 

You are stating it is your policy to comply with all applicable laws and regulations ; however, you are not following any Federal applicable laws based off the findings in this letter. First, you infringed upon my rights to privacy by selling my personal information to a third party agency. According to 15 USC 1692a, Congress is aware of the abundance of evidence of abusive debt collection practices contributing to the invasion of individual privacy such as me the consumer natural person. As a result, you violated my rights to privacy. You stated you sold this account which indicates you received income for this account. Your corporation is reporting this charge off on my credit report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer and no income shall be reported on a consumer credit report. Where is my 1099-c, so that I may file this charge off as income? This account will be rectified and I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud. Your institution will update my account as paid in full and remove any derogatory remarks. You stated XXXX XXXX XXXX XXXX XXXX may report this alleged account under its name as the new creditor. Federal Law states according to 15 USC 1692a ( 4 ) that a creditor does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

XXXX XXXX, whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

As a result, I am including an invoice for {$5000.00} that will be sent to me check using certified mail for infringing upon my rights to privacy. If you should have any questions, you will contact me via email only at XXXX Thanks, XXXX XXXX XXXX ( XXXX ) Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) AXXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A 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 2022-11-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I ask for payment history information for the below accounts as well as verification both XXXX accounts are mine. 

I received my credit report but you still haven't provided payment History for the following accounts. Please send me payment history information with copy of my last payment and proof of payment including date of first delinquency for the following account : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX I nee payment history and If you can't provide payment history & a copy of my last payment to these creditors please remove and delete these accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
THIS COMPANY ; [ SOUTHWEST CREDIT SYSTEM ] HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: OK

Complaint narrative:
These are the hard inquiries I want to remove XXXX XXXX, XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX XXXX These are fraudulent hard inquiries that I already called XXXX XXXX and they are not trying to fix the problem at all tired everything I can with sending in letters still no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
on XX/XX/2021 {$250.00} was sent to an indidvual for " apartment deposit '' through venmo. Since moving out tof the property the deposit of {$250.00} has yet to been returned/refunded to my client. After signing the roommate release form, I then consulted with a tentant lawyer that practices in Utah. I have tried multiple times to receive these funds back -- by submitting a fraud report, contacting the indivdual to get the funds back but was told she had spent them and wouldnt be returning the funds. Venmo and this indidvual are making it BEYOND difficult to receive the funds that are owed to me. I will be submitting a police report and a law suit against venmo for their lack of protection with MANY transactions that I have been fraudlently charged.

Company response to consumer: Closed with explanation