vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc.
State: MI

Complaint narrative:
I have been a member of XXXX since XXXX. They are unable to locate any records regarding a mortgage that I supposedly received in XXXX. I never received that mortgage. I have only had one mortgage on a property ( located at XXXX XXXX, XXXX ), and that went into foreclosure in XX/XX/XXXX as a result of predatory lending practices that led to a class-action lawsuit and subsequent forgiveness of the mortgage ( proof attached ). 
The mortgage that I supposedly received in XXXX shows XXXX XXXX Mortgage as the mortgagor. Since the original mortgage was issued through XXXX, I would not have gone to another lender for yet another mortgage. In addition, all of this paperwork has exposed much of my personal information including, but not limited to, my account number at XXXX. 
This house was ultimately sold ( without my knowledge ) at a sheriff sale in XX/XX/XXXX. I received no notices regarding the sale, nor was a notice posted on the property. I only learned of the sale when I visited the Register of Deeds for a title search.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: MS

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I refinanced my home XX/XX/XXXX. The closing attorney sent the funds to XXXX XXXX  who our mortgage was with. During the days of closing on our refinance with XXXX XXXX and the attorney sending the funds, XXXX sold our mortgage off to Mr Cooper. The closing attorney sent funds to XXXX who in return wired the money to Mr Cooper. The day I asked for a wire tracking number, XXXX was able to provide me one. XXXX wired the funds to Mr Cooper on XX/XX/XXXX. 

XXXX forwarded me this email Payoff Statement Quote : XXXX by XX/XX/XXXX Per diem XXXX Wire Received XXXX on XXXX at XXXX Difference : XXXX / XXXX = 4 days less than the quote. 
Good through XXXX minus 4 days allows for XX/XX/XXXX as a posting date. 

Mr. Cooper claims the funds were short and sent the money back on XX/XX/XXXX. I haver called Mr Cooper multiple times asking for a wire tracking number. Mr Cooper told me they wired the funds to the closing attorney, I called the attorney and they confirmed they have not received them. I had someone call and ask where the funds were sent and to check if they were sent to me or XXXX. I have not received the funds and neither has XXXX. Every time I call Mr Cooper and ask for a wire tracking number no one can provide me one and tell me someone from accounting will call me back and they never do. I call weekly ( 1-2 times per week ) and ask for a wire tracking number because no one can tell me where $ XXXX was sent. Now because the loan is considered in bad standing we have received letters from an attorney saying our home will be a foreclosure sale soon. Mr Cooper claims they have wired money and can not provide a wire tracking number, nor can their employees tell me where the money was sent. They asked me if I knew where it was or told me it was sent to places and it hasn't been sent. So either they haven't sent the money like they claim they have or they have wired $ XXXX to someone and they have no clue of who they sent it to. I don't understand how in todays age of technology no one at this company can tell me where this money was sent or provide me with a tracking number and I am continuing to get threatened with a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX I requested validation from Midland Funding on a {$650.00} debt they are reporting on my credit file, they responded however they did not satisfied validation of debt, I responded back on XXXX telling them that they did not satisfy debt validation to provide original contract and sale agreement. 

Today XXXX I pulled my credit report, and they never furnished the credit reporting agencies about the account being disputed. 

I am sending them notice today that they did not furnish the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
File two complaints with Experian XX/XX/2023 XX/XX/2023 Delivered Certified mail return recite, Experian failed to start or Investagate disputes

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 2023-05-09 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
XACTUS-XXXX  made an unauthorized credit check into my credit resulting a hard inquiry. The inquiry was made XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, America express and XXXX XXXX XXXX bank card and they are looking into the situation and also put an alert on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at XXXX credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, XXXX XXXX and m & t bank card and they are looking into the situation and also put an alert on my name.

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 2023-05-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I sent my payment to Fortiva credit card on XX/XX/2023, from XXXX XXXX XXXXXXXX bill pay. 
According to Bank XXXX XXXX, the money was delivered on the XXXX. 
At the time, my debt was {$1400.00} and cents. Just in case, I sent them {$1500.00}. 
( If you check my payments, you will see that I tend to send more than what is owed. ) When I checked my Fortiva statement on the XXXX XXXX XXXXXXXX, I noticed no credit was shown. 
I emailed them the proof from XXXX XXXX XXXXXXXX. 
No response from Fortiva. 
All I received was a letter from them dated XX/XX/XXXX telling me that my account was past due. They had imposed late fees as well as interest charges I emailed them a second time ( the same day ) asking them to eliminate all charges and properly credit my account. Failure to do so would precipitate this action. 
As usual, no response has been sent. 
This is why this complaint is been sent. 
I have all the documents to back up my claim. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me significant anxiety. I am unable to sleep properly due to this issue. Please promptly update my account and remove any incorrect information to alleviate this stress. I am begging you to take action as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: AR

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. 
XXXX XXXX XXXX Account number XXXX, XXXX BANK Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX ACCOUNTS Account XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 I received a notification from XXXX XXXX  that I had a hard inquiry from Capital One Bank. I did not request or try to open up any new account. I am a victim of identity theft and because of this action my credit score dropped XXXX Points. I am writing this letter to get that false inquiry removed from my credit report and to get my points back that I worked very hard to achieve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2023 I received a notification that my account was restricted with chime. I have worked at my job for over 6 years and have always used a W2 form. Chime stated that they needed a w9 form in which I do not have. I have sent in any requested documents to the support team at chime and they have yet to open my account with my money in it. I can not provide for me and my child because the only money that I have is in my chime account. I do have any other money to eat or pay bills. I work hard for my earnings and Im not doing anything wrong to not be able to access money that I have worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: IN

Complaint narrative:
These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX EQUIFAX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: IN

Complaint narrative:
These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry 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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Rocket Mortgage sent me their annual PMI disclosure notice dated XX/XX/2023. I refinanced my mortgage through them a little over two years ago. The PMI disclosure specifically states specific criteria to be met to remove the PMI from my loan even if loan-to-value ratio remains above 80 %. 

Criteria I have met include a good payment history of two years, property improvements ( shed and garage cabinetry to be installed in XX/XX/2023 ), value of home has increased since refinancing, and no liens or second mortgages have been undertaken. Despite this Rocket Mortgage is claiming I have to have a house assessment that comes in at a value that gives me 25 % equity in the house value, rather than the 80 % figure they promise. 

In the disclosure, Rocket specifically details everything above while promising that the PMI payments can be removed even if equity value is lower than 80 %. They are being untruthful and their disclosure is making false promises that are entirely unreasonable. 

I currently owe {$350000.00} on a loan financed at a home value of $ XXXX. The current city estimate comes in at {$450000.00}, to go up approximately to {$480000.00} by XX/XX/2023. All this is without home improvements I have since made. This means my current equity ownership in the home exceeds 21 %, which would legally require Rocket to terminate the PMI at my request. Again, Rocket has stated they can terminate the PMI even if over 80 % of the loan has not been paid. 

I have called Rocket about this at least three times with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have two issues with XXXX XXXX : 1. When their collectors call my number and ask for me, I confirm and verify that they are speaking with me. However, before giving me a mini-miranda they refuse to discuss the matter they are calling about until I " verify '' further information such as my address, date of birth and social. When I challenge them, they tell me this is required to verify they are speaking to the right person. I remind them that they called my number, asked for me, and I have affirmed they have the right person. That shoud be enough verification to continue with business. Forcing me to give private and sensitive information to continue the call is harassment and a violation of the FDCPA especially prior to any mini-miranda.

2. I have repeatedly disputed the debts in their office with the credit bureaus and with XXXX XXXX. They are unable to prove that I am legally responsible for any of these debts. They just reply with a form letter and a few statements. Nothing that proves I am contractually liable for this debt. 

I intend to file and FCRA and FDCPA suit against them in my local courts at my earliest conveince.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: NJ

Complaint narrative:
This complaint is against PayPal Inc . 

I selected the PayPal payment option when paying my electric bill and setup the payment to be made using a credit card that was in my PayPal " wallet. '' PayPal attempted to process the payment against my credit card, but the credit card issuer initially denied the transaction over concern about fraud and immediately contacted me via text message to confirm if this was a valid transaction. I responded that it was a valid transaction and they indicated that it would be approved on the next attempt. 

However, instead of denying the transaction, PayPal instead and without my permission processed the transaction against my checking account which is also part of my PayPal wallet. 

I contacted PayPal seeking clarification as to why this transaction was processed against an account that I had not selected or intended for use on this transaction. They indicated that when a credit card is denied they will process the transaction against other accounts and that there is no option for the customer to prevent this. This is a convenient choice by PayPal because the transaction is now processed against a checking account rather than a credit card and PayPal profits from avoiding the credit card processing fees which would have otherwise been required if the transaction was processed as the customer intended. 

This is a " dark pattern '' that PayPal has created which works to their financial interest at the expense of ordinary users. I note that the issue is not that PayPal has a " fall back '' account feature, but rather it is the fact that they refuse to allow customers to disable this feature so that payments are only processed against the intended payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation