vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my XXXX and TransUnion credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of 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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A few weeks ago, we handled the resale of a diamond ring that was initially purchased 32 years ago from us. The customer 's assistant emailed us wiring instructions to an account at XXXXXXXX XXXX The following business day, before we had sent the wire, we received updated email instructions asking us to instead wire to an account at Chase. We proceeded to initiate a wire for {$85000.00} specifying the account name ( which matched our legitimate customer 's name ), and unknowingly the XXXX and account #, that were attached to a fraudulent account that presumably did not match our client 's name. 

A few days later, the customer called inquiring about the status of the wire. After investigating the stream of emails, it was determined that our client 's assistant 's email was penetrated and a bad actor sent the email with the updated wiring instructions. Our email was not penetrated, however our email was spoofed to send the customer 's assistant an email purporting to be from us saying there was a delay in the wire transfer. 

When we notified our contact at Chase, we were told that the account we had wired the funds to had been depleted. Despite our efforts to escalate this matter with Chase, they have said that they do not have any responsibility to verify that the account name matches the XXXX and account number, even though in this case, the fraudulent account was also opened at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TN

Complaint narrative:
In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have contacted Amerihome mortgage on numerous occasions by phone and email regarding our escrow account. We refinanced our home last year and the loan was purchased by Amerihome. The property tax was estimated at closing at {$2600.00} which is twice the actual tax. The taxes paid by Amerihome in XXXX of XXXX were {$1300.00}. Since escrow was overfunded, we received a refund of approximately {$680.00} for XXXX. The problem is they continue to use the {$2600.00} estimate for XXXX, which is inflating the escrow account again. I have provided the appraisal districts estimate of our tax for XXXX which is {$1300.00}. Our county freezes taxes at age XXXX. I have also provided documentation for our appraisal district which shows the XXXX exemption and describes the exemption, proving that our taxes will not increase. Amerihome refuses to reduce the escrow due to collection for our account. To add insult to injury, they INCREASED the escrow payment due to a {$400.00} increase in property insurance, but refuse to decrease amount collected to taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This complaint is regarding the XXXX XXXX, and is serviced by UAS XXXX. 

I have been a XXXX XXXX XXXX XXXX XXXX forgiveness program since XXXX, and had received two years of partial loan cancellation through this program for XXXX and XXXX. Since loans were paused during the pandemic, I waited to apply for my last three years of forgiveness until I was advised by UAS to do so this XXXX. My application for the final three years of teacher loan forgiveness was denied. However, the conditions of my employment as an educator have remained unaltered since I began working with XXXX more than four years ago when I first applied and was accepted for cancellation.

This suggests that UAS has changed their express terms and conditions pertaining to the loan forgiveness program. However, I was not put on any reasonable notice of a change in the material terms of the agreement, and the acceptance of my application for multiple years established a reasonable expectation that I would continue to qualify so long as the nature and terms of my employment remained the same. I relied on these reasonable expectations that UAS established through past performance in my financial and career planning decisions.

This situation has deeply affected my mental/emotional health, and I'm not sure what my next steps should be. UAS has also been requesting payments during the pause in federal loan payments, and it is affecting my credit score which will likely disqualify me from a mortgage. I have already submitted a complaint with the company and on studentaid.gov, both of whom will not take any action. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: TN

Complaint narrative:
Several weeks ago I went on XXXX to find a lender for a home equity loan. Since then I have been getting calls from Cross Country Mortgage, every. single. day. Except the weekends. I've told them I've already chosen another lender, yet they continue to call me. They're calling me from 3 different numbers and it's always the same automated message when I let it go to voicemail. This is really annoying and has been going on for weeks now, despite having blocked their numbers so the phone doesn't even ring. They just keep leaving voicemails that I have to manually delete..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a check from my account in XXXX XXXX and deposited in my truist account and the blocked the account but the money was already withdraw from the original account while the receiving account is still block even the previous balance before the deposit. The bank does not have a estimated time for the diligence

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 2022-04-26 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: NY

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

15 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 2022-04-26 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: NY

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

15 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BMO led me to believe they were willing to assist me in a loan modification. This process started XX/XX/2021 and we still do not have an agreement. 
Unfortunately, they have not been willing to assist me. I feel as a senior citizen, I have been taken advantage of. 
The process started in XX/XX/2021 and I have submitted all documents requested by the bank several times on at least three occasions, In XX/XX/2021, I was provided feedback that my application was denied because I could not produce a copy of my contract with my employer. This was not initially requested from BMO. I wrote BMO a letter stating that I did not have a signed contract with my employer. I provided my bank statements showing the deposits of income received from my employer. I also provide my monthly paystubs showing the money I received as well as the W2s from the company and the pay schedule issued by my employer. Everything that was requested had been submitted several time. Companies like this should not prey on their clients. Attached are dates that I submitted my personal data to BMO on several occasions. Please help!

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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. 

If every piece of documentation can not be provided the account must be removed from my credit report immediately.

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 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
This debt has been disputed and removed from my credit report and they keep re-inserting it which then plummets my credit. 
This is not my dad I have stated this it has been proven to be not mine Im a victim of identity theft going back many many many years and this company refuses to follow the law and keep this information off of my credit report. This information was removed from my credit report and one week later they re-inserted it. My bank account was compromised previously and weve even had to have a to do bank accounts issued because of the identity XXXX this company continues to perpetuate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit Solutions LLC says that I owe {$35.00} to a XXXX XXXX but no such company exists in the state that I currently reside and no attempts from the XXXX XXXX were made to collect payment prior to sending to debt collection. 

XXXX XXXX does not EXIST. I have never been a patient/customer to any medical business named XXXX XXXX. 

Reviews for this company allege that several customers have had credit items reported for doctors visits and medical services that they never visited nor never had. I believe that this is my case, as well. 

Holloway Credit Solutions LLC have sent a bill to my house but that is the only contact Ive received about owing someone {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: WA

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 I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. Inquires : 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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of XXXX I decided to help my mother with an XXXX XXXX she needed done and did not have all funds so the Dentist office suggested she should have someone help finance the surgery through care credit, which we did. I got approved for XXXX which helped my mother a great deal and shortly started making payments on our card. One year after paying monthly, Care Credit took all the money we had paid toward the card and said we had forfeited the promotional purchase and now instead of owing XXXX I owe XXXX which I think is ridiculous, why was I not informed of this, why are they going around giving people credit without explaining this Very Important information with the customers. I need your help someone needs to stop these multimillion dollar companies rob the blind.

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX and had XXXX XXXX XXXX and was given a dental plan, for {$3000.00} just to have a broken tooth extracted and to have a parcel made. I sign a contract for {$3000.00} not knowing that they were going to charge CareCredit the next day for a tooth extraction... The next day I found out that they had charge CARE CREDIT / SYNCHONY Bank {$3000.00} to my account.. I immediately call and cancel the plan. I also call CareCredit / Synchony Bank and cancel payment. XXXX XXXX XXXX XXXX Cancel the plan and charge my insurance company XXXX XXXX XXXX XXXX {$230.00} for that appointment. All I received is the X-Ray and consultation for which was paid for by XXXX XXXX XXXX XXXX. The problem is CareCredit / SYNCHONY BANK is asking me to pay {$2000.00} for a cancel contract which no work was done. I have wrote to CareCredit and Synchrony Bank and I told them the dentist cancel the contract... want to know how can they ask me for money that was never paid to 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 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: AL

Complaint narrative:
I RECEIVED A LETTER AND SEVERAL CALLS FROM NATIONAL CREDIT MANAGEMENT IN REGARDS TO AN ATTEMPT TO COLLECT AN ALLEGED DEBT IN THE AMOUNT OF {$950.00} ON BEHALF OF XXXX XXXX XXXX UNIVERSITY. I SENT A CEASE AND DESIST PURSUANT TO 15 USC 1692C ( C ) ( 2 ) AND THE ORIGIAL LETTER THEY SENT ME REQUESTING DEBT VALIDATION. I OWE NO SUCH OBLIGATION. IF THEY CAN NOT RETURN FULL DISCLOSURE IN ACCORDANCE WITH 15USC 1681G AND ALL OTHER DOCUMENTARY EVIDENCE IN ACCORDANCE WITH 15 USC 44 I CAN NOT VERIFY AND THERE CAN NOT BE ANY CLAIM OF ALLEGED DEBT IN NAME OF MY PRINCIPAL OBLIGATOR. OTHERWISE, MY CONSUMER RIGHTS ARE IN VIOLATION AND I WILL SEEK REMEDY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: DISCOVER BANK
State: PA

Complaint narrative:
A Discover credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. Discover credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: PA

Complaint narrative:
For several months a company known as XXXX has been charging my Cashapp debit card {$10.00} at odd hours of the morning. I have tried to stop this by contacting them, but there is no way to do so. I contacted Cashapp Support several times about the problem as well. They just now put a stop to it now that my account is down to {$1.00}. This is ridiculous as I have no idea who they are or why they are charging me money. I did not do this, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: WA

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 I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : Account Number XXXX

Company response to consumer: Closed with explanation