vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2019 there was a foreclosure sale on the property XXXX XXXX XXXX XXXX XXXX XXXX, Mo and the XXXX purchaser was XXXX 's XXXX XXXX that he bought at the foreclosure sale. XXXX XXXX was the Trustee. XXXX XXXX submitted to the the XXXX XXXX Missouri Circuit Court that the sale was XX/XX/2019 and he purchased it. The property taxes have not been paid in 4 years. Two weeks ago the house flooded and he does not have a building permit. The property was never sold at the foreclosure sale since on XXXX XXXX web- site they list the property and XXXX XXXX is the mortgage holder. At a forclosure sale the property must be bought in cash and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
CEASE & DESIST from reporting unauthorized FRAUDULENT account.

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 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I called into my mortgage company, Carrington Home Mortgage Services on XX/XX/XXXX to make my mtg pymt. I let the csr know that I needed to break up my XXXX mtg payment into XXXX payments. That I would pay {$1200.00} that day and the remaining sum of {$1800.00} prior to it being actually late. The XXXX confirmed this with me and took my partial pymt over the phone. He confirmed and clarified this is not a problem to do so. That funds would be applied this way and accordingly to my XXXX mtg pymt. When I called back on XX/XX/XXXX, the XXXX said my {$1200.00} was not applied this way and in fact applied to other past previous late charges and that it was not applied toward my XXXX pymt and that my entire XXXX pymt was still owed. I spoke to a XXXX who said she would pull the phone call to confirm that what I said is true and now I'm waiting. This is completely bait and switch and misappropriating my funds without my consent. The XXXX  from my first called assured me breaking my pymt into XXXX pymts was not a problem, nor did he say that the funds could not be applied this way. This if misappropriating and fraudulent on Carrington Mtg 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account Number : XXXX. Account name : XXXX, Account Number : 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 a account without my written instructions 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 seven 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 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 2023-01-03 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:
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. 

Account name : XXXX XXXX, Account # XXXX. Account name XXXX XXXX XXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX, Account # XXXX. Account name : DEPTEDXXXX Account # XXXX. Account name : DEPTEDXXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX  # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account XXXX : XXXX. Account name : XXXX, Account XXXX : 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 a account without my written instructions 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 seven 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 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 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-01-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX//2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a payment on Bank of America XXXX app on the XXXX of XXXX but the payment did not withdraw from my account. I proceeded to make another payment on my account on the XXXX but bank XXXX proceed to flag my credit report as 30 days late when 30 days would of been on the XXXX of XXXX. I proceeded to try to resolve this issue with Bank of America over the phone by speaking to XXXX XXXX XXXX. But all I got from him was a attitude and him being rude as well as telling me maybe you should make your payment on time. Not only did that come off as rude but as well as 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law. 
The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}. 
I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me. 
I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The full problems is below. I tried to comment on my original complaint XXXX, but was unable to. 
I spoke to XXXX at Commenity on XX/XX/XXXX and he assured me that within 2 weeks my balance of {$500.00} from another account would be transferred to my current account. As of today, XX/XX/XXXX it has not. This has gotten out of hand. It is my money and they will not transfer it to my open account. They told you they were working on the issue. How long does it take to move my money? My next step is to take legal action. 
Please try and resolve this. 
Thank you, XXXX XXXX -- -- - Original Complaint. 
I had a credit card with XXXX XXXX XXXXXXXX. I made a payment of {$500.00} on XX/XX/XXXX. What I did not know until after I made the payment to XXXX XXXX XXXXXXXX was they were selling or transferring my account to Comenity Bank. I received a statement from Comenity saying my XXXX payment was late and they charged me a {$28.00} late fee. I contacted Comenity and they told me it was because I did not make my payment in XXXX. I contact my bank and they said the money was removed from my account by XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and they told there was nothing they could do because the account was closed. My bank, XXXX, tried to contact Comenity but they would not talk to XXXX as a third party. I contacted Comenity by phone as was told that they had the closed XXXX XXXX XXXXXXXX account with a {$500.00} credit balance and they would issue me a refund check of {$500.00}. That was on XX/XX/XXXX. I have not received that refund, so I contacted Comenity again and they told me, " Also be informed that your card ending with XXXX has credit balance of {$500.00}. We are unable to issue the refund due to account is closed as duplicate account. Upon checking in to your account I can see that as your correspondence accounts ending with XXXX, XXXX and XXXX is already closed as duplicate account. However, your account I see that your card ending with XXXX with XXXX XXXX XXXX is active and current. The available credit on your account is {$24000.00}. Therefore, your account can be used for further purchase. '' I do not understand why they can't issue me a refund for the {$500.00}. I want to close this account, but I am not closing it until I received my {$500.00}. I know my account is good and open, but where is my {$500.00}. I have written them 3 times and can not get an answer as to why they can't issue me a refund. I would like any help you can give me. I have reached the end of my rope. When you call them you get a different person who has limited XXXX and i can't understand them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: AZ

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days and still have not received anything back from XXXX and Experian. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

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 2023-01-03 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-01-03 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: GA

Complaint narrative:
I first reached out to XXXX, Equifax and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I first reached out to XXXX, XXXX and Experian XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.

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 2023-01-03 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: Source Receivables Management LLC
State: MI

Complaint narrative:
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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
This is stemming from a call I made to Capital One on XX/XX/XXXX asking about a balance transfer request I made for {$6000.00}. In this call the Cap One rep advised me the transfer was sent to an incorrect account number and told me she would cancel the original request and I could submit another request. I sent another transfer request at the instruction from that representative. After this call Capital one posted a balance transfer of {$6000.00} to my XXXX XXXX XXXXXXXX account sent on XX/XX/XXXX from Cap One and posted to the XXXX account on XX/XX/XXXX. Then on XX/XX/XXXX Capital one sent ANOTHER transfer request without my authorization, doubling the amount I asked them to transfer. This extra {$6000.00} was sent from my Cap One account on XX/XX/XXXX th and was received at XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent the excess $ XXXX transfer back to Cap One on XXXX 
Capital One has not credited this amount back to my account and the reps I speak to keep telling me some one is looking into it and will call me back. My balances have not been corrected and no one has called me back. I spoke to XXXX at Cap One on XXXX  and was told I would be contacted in two days, no one called. I spoke to Supervisor XXXX XXXX ID XXXX on XX/XX/XXXX and was told I would be called by XXXX no one called. On XXXX  I spoke to supervisor XXXX XXXX ID XXXX who was very rude, did not listen to my inquiry, spoke over me, would not transfer the call, and hung up on me! 

TO this day my balances are still not corrected due to Capital One 's mistake. This is not a small mistake this is literally THOUSANDS OF DOLLARS!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I payed the lender money to not repo the car and they took the car stated I owed them XXXX dollars and said because I aint pay them that I owe them XXXX dollars now and the name of the company that kept my money and car is bridgecrest they are a rip off my loan has been XXXX for 3 years never went down after payments

Company response to consumer: Closed with explanation