vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2023 our home was hit with one of the largest hail storms in history for our area. Over $ 111K in damage and home needs roof replacemnt. Our Insurance Company XXXX XXXX issued check to cover damages ( minus deductible ) in the amount of {$81000.00}. To replace our roof it will cost over $ 111K. PenFed Mortgage is our Mortgage Company and uses XXXX as their 3rd party vendor to handle insurance checks released to their mortgage/homeowners. The check for {$81000.00} was endorsed and sent overnight to XXXX XXXX XXXX XXXX. XXXX, SC XXXX : phone XXXX. They received check and then only released a check back to us ( homeowners ) for $ XXXX. They are HOLDING on to {$41000.00} until COMPLETION of project. The issue being we need this money in order to start/complete replace our roof. I have called 5 times and each time they tell me they are reviewing releasing these additional funds and it will take 3-5 business days. It has now been a month and a half and I had the same phone call today with XXXX. It is in review and they will let us know if they will release the additional money to fund our roof replacement. We will be moving into rainy season come fall here in Texas and HAVE to replace our roof as soon as possible. The $ XXXX does not even cover the cost of the shingles. I have supplied signed contract from roofer/contractor to XXXX stating the cost and process. They can start but we need this money in order to pay for the roof. How can we complete a project if we can not start if they hold on to the money to repair? This is happening with so many that I know and they have filed complaints and the banks have then issued the remaining money so they can repair their homes. It is a horrible business practice to hold onto money that families need in order to make NECESSARY ( roof ) replacement repairs to our home. Please help us. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: CA

Complaint narrative:
My mortgage was transferred from XXXX to Essex mortgage a month after I purchased my home. Essex mortgage has the incorrect amount balance as I already paid my first months payment. I have attempted to email and call - no one answers emails or follow up emails and Essexs phone system says that due to their new system they are too busy to accept calls and consumers should call back later. Not only is my balance incorrect and a few cents more than what it originally was listed as, the company wont acknowledge my payments or my contact to attempt to correct the errors in their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a XXXX XXXX account showing on my Transunion credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}

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
Consumer complaint received 2023-08-10 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: MA

Complaint narrative:
I was a victim of Identity Theft. please removed the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Complaint against Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Toyota Motor Credit regarding their refusal to offer an extension to my account despite my vehicle being in the shop for over a month without repair by the manufacturer. This unfair practice has significantly affected my credit score, and I seek your assistance in resolving this issue. 

My vehicle, covered under the manufacturer 's warranty, has been experiencing serious safety concerns. Due to these issues, I have left my vehicle at an authorized Toyota repair shop for an extended period. Unfortunately, the manufacturer has been unable to obtain the necessary parts in a timely manner, causing significant delays in the repair process. 

In order to protect my consumer rights, I have filed a lemon law buyback claim with the Virginia State Attorney General 's Office and Lexus Corporate Office, the parent company of Toyota. These actions were necessary to address the ongoing safety and quality issues with my vehicle. 

Given the uncertain timeline for the resolution of my lemon law buyback claim, it is unfair for Toyota Motor Credit to refuse a temporary extension to my account. It is unjust for a customer to be held responsible for making payments on a vehicle that is currently deemed unsafe to drive, especially when the manufacturer is unable to promptly provide the necessary repairs. 

I urgently request your intervention in this matter. I implore Toyota Motor Credit to immediately defer the upcoming 3-4 months ' payments until a final decision is made regarding the buyback claim. This will prevent further damage to my credit score and ensure that I am not burdened with financial obligations for a vehicle that can not be safely operated due to the manufacturer 's inability to obtain necessary parts in a timely manner. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and work towards a fair resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. If you require any additional information or documents. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address 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 non-monetary relief
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
My right to privacy pursuant to 15 USC Section 602 has been violated by Experian Credit Reporting Agency under my account XXXX. 
Pursuant to 15 USC 1681 Section 604 A, Section 2, a Consumer Reporting Agency shall not furnish an account without my written instructions.

my right under 15 USC 1666B has been violated by experian for reporting late payments on my account with XXXX XXXX and 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 2023-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is regards to a filed fraud XXXX payment of XXXX $ I do not have any recollection of. This payment was made to a romell bell who I have no idea who that is. I tried to file a fraud claim with chase bank. Payment was sent in XX/XX/2023 to romell bell for {$800.00}. I then saw the payment I didnt make or was familiar with few days later and filed a claim immediately on XX/XX/2023. The bank then gave me temp credit back for the XXXX $ investigated claim and denied me and will be taking the XXXX $ back XX/XX/2023. I tried to works with them explaining my situation and still denied me and when I asked to redisoute I was denied and told I can fax or mail proof and I asked what proof can I send which is hard for a XXXX payment they said anything wont wouldnt sure my approval or help. Which is frustrating to get as Ive tried to figure out many things for proof but I dont know what would have sufficed. I tried working really hard with chase but still denied me and was met with rude service overall and got snippy with me when asking question and what I can do with the claim denial. This is horrible for a consumer like me trying to make ends meet in day to day life and if a bank cant protect me or my funds in these situations. I was denied because they show it was made via mobile chase mobile and had Face ID log in and I made sure to let them know that I had a jailbroken phone so I didnt require passwords. So a Face ID could have been easily made as my device did not at the time require passcodes and I did not make the transaction. I tried to negotiate about what I can do and all I get told was theres nothing further and claim is denied and now Im out XXXX $ I did not make to a XXXX XXXX. I even research that name and everything to see if family or friends knew of that name. Again I tried to ask who this romell bell was but they couldnt tell me or know any info on them. All i want is to have my XXXX $ back and safe and sound. I have taken further precautions and measures to not have this happen ever again as no one will have access to my device but me, I have removed my jailbreak on my phone so its no longer hacked and have secured codes on all devices and phones, as well as even chance my username and passcodes for chase and made complicated pass codes that will be hard go bypass. I even explained this with chase bank and yet there was no much more consideration or anything and I am at a loss and did not have any compromise or further consideration regarding my delicate situation. I do suffer from bad medical diagnosed XXXX and XXXX XXXX  and XXXX and this stressful fraudulent situation has not helped in the slightest and only for chase bank to make things worse and not helpful in the slightest denying my claim. So here I am trying to seek further help and try to get this claim situation and my XXXX $ protected and back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citi global risk management did a soft credit pull and denied my my right to have a credit card with them. as the equal opportunity ask state no one should be denied credit just because of a living situation or race etc.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate balance reporting on my credit report by Wells Fargo. The account in question should have a XXXX balance, yet Wells Fargo is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : Wells Fargo is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both Wells Fargo and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with Wells Fargo : The Wells Fago account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.

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 2023-08-10 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: LA

Complaint narrative:
Equifax has not provided an update to my credit score since XXXX of XXXX. When I attempt to access my credit file via their own website, there is an error code of XXXX and my credit file is saying XXXX. I have called the customer service number XXXX over XXXX times between XXXX XXXX. The answer I receive is the code XXXX  means that some information was incorrect and that the back office would have to resolve this issue. I have faxed over countless copies of my drivers license, passport and social security card verifiying my identity but undoubtly, the information is not being received. 

I reached out to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX speaking to different representatives with no resolution. 

I reached out to the company again on XX/XX/XXXX after attempting to access my credit report via the myequifax.com website and after receiving the same error code. The representative ( XXXX ) verified that it was an error on my credit file which had been there since XX/XX/XXXX and he would have to send a ticket to the back office to resolve. I asked him how long this would take and he said not long usually XXXX days and that no further action on my end needs to be taken. 

I reached out on today XX/XX/XXXX and spoke to XXXX. Explaining to him what I have addressed before, the error code XXXX and me not being able to access my credit from their website and that my credit file is still saying XXXX, as if I have no credit file. Today is the day and now it is time to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Please do see my letter to XXXX XXXX XXXX, XXXX & XXXX of the Synchrony Financial Company. I do possess a Pep Boys Synchrony Car Care Card which is in " Good Standing. '' I did request a " Credit Line Increase '' to bring my antiqueXXXX XXXX XXXX  to my local Pep Boys store for a Brake Repair and a new set of Tires. Synchrony denied my credit-line increase because they have taken the illegal and unlawful position that I am a " great credit risk '' based upon the " assumption '' that as a senior-citizen of XXXX  years of age, I will not make my monthly Synchrony Card payments. There is absolutely, no, legal basis for a foundation of assumption and speculation in the American Judicial system that an American-citizen is, or, will be, a great credit-risk to a company, based upon an " opinion '' of some backroom want-to-be, XXXX XXXX hotshots. The legal basis for my Complaint is " Age Discrimination. ''

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 2023-08-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent the below disputed information to Experian on XX/XX/2023 and per FCRA 611 the reporting agencies have 30 days to investigate the inaccurate information and if they do not respond within that time period they must remove the disputed information. 
Also included below is letter Experian sent which states they will not do what is required of them. 
Tracking number ( confirmed by 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 2023-08-10 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

Company response to consumer: Closed with explanation