vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I asked for loan modification document to fill out. They never mailed them I asked several times. They changed the date for the documents due to XX/XX/XXXX and then said they mailed tjem out and never did. I called again they said we mailed them out instead I got a letter of intent to accelerate instead. Never the mod docs. The mod specialist said oh you are ok well no because I never had one sent before.

Also they had technical difficulties with the app where it would circle and I would hit pay and it would keep circling so it tried to process 5 payments in one day. Then I canceled rhe payment arrangements I made and instead they pushed them through anyways and now they tell me since they are unable to let me make a payment with my checking account because of too many returns payments but it was there system the whole time. I want this fixed I am beyond frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I used a transfer balance I had on my Chase credit card for {$5600.00} with a {$280.00} transfer fee that had 0 % interest until XX/XX/XXXX. As I use this card daily, paying the statement balance every month, I called Chase immediately after I completed the transaction and asked how I would know what payment needed to be made for the transfer balance specifically. I was told that any payment above and beyond the statement balance would go to towards the transfer balance. I just received by new statement and saw that my new statement balance included the entire balance transfer amount as well. Of course, I was very alarmed when I saw this and thought I must not be understanding. I called Chase again and was told that if I used my card daily that it cancels out the O % transfer balance and was warned that I should have read the disclosure more carefully. To make this even more confusing, my most recent statement shows that my new transfer balance, now {$5400.00}, after a payment had been made is subject to 0 %. I pointed this out to the customer service person, and they said that is not correct. Now I am either forced to come up with {$10000.00} before XX/XX/XXXX or transfer the balance again and pay another fee. I am not sure how it is legal for a customer to call the credit cards own customer support for clarification, be told the wrong information, and then be told too bad you should have read our million pages of disclosers more carefully and that the customer service person I talked to was wrong, and well too bad for you. How is it legal to have conflicting information given by their own company and credit card statements?? Why does the customer always lose. I want my transfer fee of {$280.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Freedom Mortgage a Final Demand for Response with a Notice of Billing Error and Qualified Written Request ( QWR ) under RESPA ( 12 CFR 1024.35 & 1024.36 ). It was delivered on XX/XX/XXXX at XXXX PM ( signed by XXXX XXXXXXXX ). The letter addressed a billing dispute over a payment tendered XX/XX/XXXX and wrongful foreclosure of my home at XXXX XXXX XXXX XXXX XXXX XXXX. Freedom Mortgage has failed to respond within the RESPA-required XX/XX/XXXX business days. This is a clear violation of federal mortgage servicing laws. We seek an investigation, full written response, restitution for the foreclosure, and penalties for noncompliance. Documents are available to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Two Dots Inc.
State: VA

Complaint narrative:
I gave Two Dots my social security number and other private info, and then followed their instructions. I visited an IRS link to get a transcript. IRS requires a login with XXXX 

XXXX required a video call where they inquired about why I was setting up the account. I told them that I was doing this for a company named Two Dots that sent an email requesting this as part of my apartment approval process. From there, XXXX refused to complete the online video verification. They instead chose to send my request to a special investigative team to look up the company I mentioned and make sure nothing risky was happening. They said I would hear back from them within an hour. 

Minutes later, the special investigative team said they suspended my XXXX account for my protection from Two Dots. They believe the company is scamming me, and they sent a ton of information about what to do now that my identity is stolen. 

I can not login to IRS. I am unsure if I've given my SSN to fraudsters. And neither XXXX or Two Dots will help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I applied for a store credit card with Synchrony Bank. I received a letter about a week later stating I was denied. On the letter it states that they used XXXX XXXX consumer reporting agency. Under Key factors adversely affecting my credit, the information listed was inaccurate. It states that I have no revolving accounts in my credit file, however I do. It also states not enough balance paid down over time on revolving accounts. I pay my revolving card balance down to XXXX  % utilization or below each month and that is what is showing with all XXXX major credit bureaus. As you can see, one erroneous factor say I dont have any revolving accounts while the other says not enough balance is paid down. It makes no sense. I tried calling and was transferred around to their application department and was advised that they were unable to see my information.

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 2025-05-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: DSR HOLDINGS GROUP, LLC
State: CA

Complaint narrative:
Hello, The collection agency called me and my sister, without my authorization, had no rights by the Federal Law to contract a family member. Called my sister along with a text message.

The company is called Account Resolution services ( ARS ), they had no rights to called a text a family member with no consent.

Id like to be compensated for mental distress, anxiety and jeopardy my relationship with my family.

I will take legal action if you can not resolve this issue. I have a proof of what they have done. 
I demand to receive by law a {$1000.00} compensation for distress and anxiety they have caused. 

Their phone number is : XXXX. 
The company is stating they never contacted my family member which they have. 
I demand to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX AM, I contacted Credit Acceptance and spoke with a customer service representative regarding the past due balance on my account. During the conversation, I inquired whether a portion of the late fees could be removed if I made a partial payment toward the past due amount. The representative informed me that Credit Acceptance would be willing to remove XXXX late payment fees. 

However, as of Friday, XX/XX/year>, those fees have not been removed. I subsequently spoke with XXXX additional customer service representatives, and neither was able to locate any notes or records of the prior agreement. 

I am concerned about the inconsistency in communication and the continued assessment of late fees despite having an active payment arrangement in place. This experience raises serious concerns about the transparency and practices of Credit Acceptance, and I urge a thorough review and resolution of this matter.

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 monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
On XX/XX/year>, an hard inquiry was placed on my credit report with all 3 credit bureaus for a credit card application with XXXX XXXX Banking. This inquiry was indeed not placed by me. Upon this finding and my credit score being decreased, I contacted XXXX XXXX, to have the credit application flagged as fraud and stopped, and an investigation is under way, I spoke with a supervisor and an agent who would not provide me with the details of this fraudulent credit application thats was placed in my name. After speaking with XXXX XXXX, I contacted XXXX  and submitted a dispute to have the hard inquiry removed from my credit report. In 72 hours it was removed. The hard inquiry is still showing on Transunion and also Equifax. I have called both credit bureaus to fill disputes for this fraudulent inquiry. Both Transunion and Equifax are still reporting this fraudulent inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-05-17 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$1200.00} XXXX # XXXX OPENED XX/XX/year>XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX OPENED XX/XX/year> Please refer to the attachments, I recently reviewed my credit report and noticed fraudulent and inaccurate reporting on my credit report due to the equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Zap Solutions, Inc.
State: FL

Complaint narrative:
Zap Solutions , Inc. has an app called Strike. I use it to purchase XXXX and send it to my wallet. On XX/XX/XXXX, I deposited a large sum of cash into the app and converted it into XXXX. I then attempted to send the bitcoin to my wallet, but was not able to. I got a message stating that my account needed to be reviewed. However, 2 days later, I am still getting the same message. I have reached out to customer support on the app, but they have not responded to my communication. I have also sent emails to them, but there has been no response there either. I have sufficient funds for the transaction that I am trying to do, but my whole account is basically locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: IN

Complaint narrative:
Frost-Arnett is attempting to collect a debt of {$770.00} for lab services provided by XXXX XXXX XXXX XX/XX/year>. I disputed the charge and provided written documentation showing : The lab claim was denied by insurance as non-covered The provider wrote the balance off as uncollectible Comparable lab pricing from my provider ranges from {$110.00} {$150.00} for identical services Despite this, Frost-Arnett resumed collection without meaningful validation, violating 15 U.S.C. 1692g ( b ) of the FDCPA. They also falsely claimed my dispute did not contain new or specific facts, ignoring the submitted evidence of proof that the same services are {$110.00} to {$150.00}. 

This collection is inflated, unsupported, and aggressive. I am requesting full closure and cessation of all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
Hi, Valley Bank is the originator of my mortgage, where there is a clause that states that I must have automatically payments withdrawn from a valley checking account in order to qualify for the loan. This was completely fine and so I opened an account with Valley and have a mortgage with them. 

Since then, they have sold my loan to another institution, however they still manage the loan. I am deeply disappointed in the checking account they are forcing me to keep. Initially, they had a method to avoid a monthly fee only if meeting certain criteria, one of the criteria is maintaining an average daily balance of {$99.00} or more. That was fine to me, however as of XX/XX/XXXX, they are raising that minimum to {$500.00} a more than 500 % increase. I no longer want the checking account with them as I do not want to maintain such a high daily balance. The problem is that they wont let me close the account because of the clause in the mortgage agreement. How can they change the terms of the checking agreement I signed up for and essentially now force me into higher fees without giving me an option to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$1200.00} XXXX # XXXX OPENED XX/XX/year>XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX OPENED XX/XX/year> Please refer to the attachments, I recently reviewed my credit report and noticed fraudulent and inaccurate reporting on my credit report due to the equifax data breach.

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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I spoke to someone from Wells Fargo in XXXXXXXX XXXX XXXX about using deferments on an auto loan. They told me they were processed and I was good to go. Then they came and repossessed my truck and cost me my entire business. When I contacted them, they said my truck was at the repo companies location. There was no way for me to contact the repo company cause they gave me a faulty phone number.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA SPOOLING ISSUE OCCURRED  XX/XX/year> -rec 'd telephone call for USAA about account being compromised Gave verification information w/ pin Ask to login changed password. 
The call was disconnected, but the call back to finish instructions. I was told to put the old card in a envelope and place under my door mat by XXXX pm .. Around XXXX a person was caught on the camera coming to my door lifted mat and took envelope. 
XX/XX/year>. Called USAA, I was informed that this was an on going issue. ( SPOOLING ) Advised to call police and file a report. When they arrived office tool picture. Rec 'd a police report. Forwarded all information to USAA as requested. 
My account as of XX/XX/year>. w/d and adding amount per XXXX {$2400.00} {$2500.00}, XXXX, XXXX. Account could not be closed due to investigation. Open new account on XX/XX/year>. Called again XX/XX/year> due to more items coming in. Funds were reversed. Recently, request funds from my XXXX account it went to the old account, and now they will not send it back due to investigate this transaction.

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 monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was effected by the hurricanes in XXXX and was given the option to extend my payments in order to not reflect any late payments on my credit report and I was assured I wouldnt have any issues and that was not true. I was granted an extension in XXXX and was told I was granted a goodwill reporting exception and nothing had been reported to my credit company because I called and was effected by the floods from the natural disaster and family members had passed

Company response to consumer: Closed with explanation