vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: MI

Complaint narrative:
I have spent feverishly hours with Experian, XXXX and XXXX to help clear up the abuse and fraud on my credit report. After many days and hours and exhaustion, I am requesting help from you! 

As a veteran of the Country and all sacrifice, I have given, I have never seen something so miss treated in my life. Because of COVID and a bad year and doing everything right, all three credit bureau and the Crediter can not get on the same page and clear all the information as requested under 15 USC168b permissible person I never was contacted by anyone?

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted XXXX, Transunion and XXXX to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CUSTOMERS BANCORP, INC
State: MN

Complaint narrative:
On XX/XX/XXXX, I received notice from XXXX XXXX that a hard inquiry was done on my credit with XXXX. I checked right away because I had nothing to warrant an inquiry. I saw a loan on my credit, it is with XXXXXXXX XXXX XXXX  for {$16000.00}. I immediately called them and told them it was not my loan, I never applied for a loan. That was a XXXX ago, I've been calling and emailing. I've been transferred and put on hold constantly. I froze my credit, filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed the theft packet with all information, that has been faxed XXXX with confirmation. They say they've received nothing. The loan application, I found out just XXXX, after a XXXX of calling, does not have my phone number on it. The information on the application is not mine. The bank the loan/funds were routed to was investigated and determined to be fraudulent. That account did not have my SS # on it. So, the application itself had false information and the loan was routed to a bank that I don't bank at, an account that has since closed by the bank after being notified of the fraudulent loan. Each time I try to talk to anyone regarding the investigation, I get placed on hold, transferred and nothing happens. I gave them XXXX XXXX to provide me the applicant information, they have not done that. They've done nothing to resolve this.

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 2022-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I requested to receive the XXXX XXXX for my mortgage arrears due to my family experiencing a financial hardship due to family members being laid off due to the XXXX XXXX. I requested for an extension of the CARES Act Mortgage relief and was told that I had to pay at least {$10000.00} to bring my mortgage out of the pre foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
n accordance with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting act XXXX Account # XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: OH

Complaint narrative:
I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, Equifax, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

XXXX : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was discharged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting ( 2 ) late payments XXXX reporting without my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. Close Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXX Ohio XXXX any other address needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: OH

Complaint narrative:
I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, XXXX, or Experian, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

XXXX : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was discharged by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting ( 2 ) late payments XXXX reporting without my consent EXPERIAN : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. Close Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXX Ohio XXXX any other address needs to be removed.

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 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I was sued by ABSOLUTE RESOLUTIONS INVESTMENTS LLC. We went to trial on XXXX  XXXX, XXXX and the case was dismissed with prejudice. There is a judgment entered. However, this company is still reporting it to my credit as negative for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry XXXX all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by MyFico XXXX XXXX XXXX thats someone accessed my info it was stopped the the XXXXXXXX XXXX Website Surveillance from my Bank. I also filed a FTC Report. 

Transunion File # XXXX The 2 unauthorized Hard Inquiries are listed below.

Fraud Inquiries : XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Previous Case # XXXX - to be withdrawn American Express On XX/XX/2022, withdrew {$3800.00} without my permission. American Express increased my amount owed to {$11000.00}. I had only one charge {$300.00}. I am over-charged {$4200.00}. There were no other amounts charged by me ( only placed on my account by American Express ). Please read letter to explain further charges placed due to American Express worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
On XX/XX/22 I went online to explore a short term loan as my funds would not be available from a deposit I had made until XXXX. I first visited national small loans, but in working on the application when I came to understand the terms of the loan I chose not to proceed. I received an email notification from them indicating the need to sign the application to proceed and intentionally did not, as I chose to go with another lender. XXXX when I checked my account a deposit of {$500.00} had been made to my checking account. I called and attempted to speak with someone to notify them of the unauthorized loan and coordinate the return of funds and was advised the representative could not help me and I would have to wait until the billing department reached out to me, but they could not indicate when this would be. I then forwarded the email to them that showed I had not authorized the loan and indicated I wanted to resolve this and have not had a response. I researched and found numerous complaints in the XXXX XXXX XXXX  of similar experiences of the provider in question depositing despite the loan not being authorized. I called and filed a complaint with the FTC # XXXX, and upon their encouragement have contacted my bank that reports they can not reverse the deposit. The FTC advised that I not contact National Small Loan further at this time and contact the Consumer Financial Bureau regarding the need to end this loan that was not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
Rocket Mortgage will not drop XXXX  charges without getting money from us another way. 
We have paid extra principal every month and got the loan balance under the XXXX XXXX as required by the XXXX XXXXXXXX XXXX, provided original documents yet they want us to pay them before dropping XXXX 
We've communicated by phone and email several times over the last XXXX months. Their response is always give us more money and we may drop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I used to bank with Simple which is now owned by BBVA. In 2018 I had a personal checking and a shared checking account. The person I had the shared account without my knowledge contacted the bank to close the shared account. My personal account was also closed and when I called to speak to anyone they would tell me nothing and literally just hang up on me. They would as for my info and until they look at my account they would be rude. I had tried numerous times to get answers as to why my account was closed and why shared account was closed without my knowledge or given notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX charged my account XXXX on XX/XX/22 at XXXXXXXX XXXX. I called them the next day and requested a refund because I hadn't received services for the charge. I was notified that it may take 7 to 10 business days. We'll on Friday XX/XX/22 I called XXXX XXXX XXXX again inquiring about my refund and that's when I was told that it had already been sent. I checked my statement again and could no longer find the charge. I called my bank which is Chime and I was told three different stories as to why I can't see the charge, but was told that I had been refunded on XX/XX/22 when in fact I have not. I sent them proof of receipt that I was charged from the merchant and still no response. All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Marine One Acceptance Corporation
State: GA

Complaint narrative:
Excessive calls and e-mails, even when you have spoken with Marine One and they have notated the account. They threaten to repossess if you dont pay in full after youve already made an arrangement. 

They are not applying overpayments to the principal of the loan when weve requested numerous times to apply over payment to the principal. 

They are taking on fees to decline card transactions, even if we pay with the same card on the same day because our bank flags this companys processing as fraud. So we have to verify the transaction and reprocess. 

The harassing phone calls and people showing up at my house when my account is only XXXX or even 30 days late. As soon as you are one day they are blowing up emails and phones threatening to recall the loan. They will send your account back and forth between your account representative and recovery and they dont communicate with one another. 

Loan documents state as long as the payment is made within the month you are not considered past due but they will blow up your phone the first day you are out of your due date and it doesnt matter if you have spoken with them they will continue to call and email every day until you process a payment. 

They lie and tell you one thing and then do another within just a couple hours. 

Ive never dealt with such an unorganized company in my life. Not apply payments and the relentless phone calls is outrageous!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dividend Finance Inc.
State: TN

Complaint narrative:
We obtained a loan from Dividend Financial to cover the cost of installation of a solar system. This company was recommended by the solar company, XXXX XXXX XXXX, XXXX XXXX. The finance company would accept the 26 % rebate from taxes as the down payment for the system and thus keep the monthly payment at a more reasonable rate. They started collecting this payment prior to the complete installation of the system. Additionally, XXXX installed a system that did not meet the expected outcomes. We were told that the system would decrease our utility ( electric ) bill to {$20.00} to {$30.00} per month and that it would definitely be less than {$50.00} per month. This has not come to fruition, as the electric bill has remained essentially the same. I believe that Dividend XXXX knew this was an issue and did not take any steps to protect the consumer. Additionally, I believe that XXXX knew that there were defaults in the system and continued to sell a system that would not live up to expectations. The result is a loan that I must continue to pay and a utility bill that I would have paid anyway. Ultimately, these XXXX payments result in a 300 % increase in my electric bill. The expressed payoff of the decrease in electric bill to offset the cost of the loan has not materialized. I am seeking some relief from the loan or the terms of the loan to offset the lack of realized decrease in electrical energy billing. 

XXXX has subsequently filed for XXXX XXXX XXXX, leaving us without any company to monitor our system, perform any warranty work, and without legal recourse to seek payment of damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Well, 2 days ago from XXXX XX/XX/2022. 

I opened XXXX savings account from capital one, with an advertisement saying that I can withdraw money in the first 60 days without paying penalties fee. 

I noticed I put in the incorrect account number to transfer money from XXXX  XXXX XXXX to Capital One. 

XX/XX/2022. I called Capital to cancel the transaction. They told me that they can't cancel the transaction because it is pending- they told me that I can't close the account because the money is in process. On the same day when I created the XXXX account - It didn't show the option to change or cancel the transaction. 

On the same day, I called XXXX that I need to check my Withdraw Protection to be off because I set the wrong check account to Capital One I don't want to be charged for the wrong account. The lady from XXXX  XXXX XXXX told me that my account doesn't have to withdraw protection - Witch means I don't have to worry about the money being taken from my account. because it doesn't have withdraw Protection. 

On XX/XX/2022, I opened my XXXX  online - found a negative balance of XXXX XXXX because Capital one took money from an insufficient account. I called Capital one on the same day and there is a problem they took me money from the wrong account, and they told me that they can't do anything until the money is available. 

I spoke with XXXX  XXXX XXXX they told me that I have to wait until it finishes the hold processing. My question is why XXXX told me that they will decline any transaction for an insufficient account. 

Why did Capital one didnd cancel the transaction when I explained them? 

Please help me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage has issued several Foreclosure notices and late notices on my Account XXXX XXXX XXXX. However, all payments have been made timely and in advance by 60 days, they have misapplied the amounts, and i have made Fax, verbal and XXXX notice to the servicer with abolsolutely no response. I am at a complete loss to next steps other than hiring a law firm. I have provided them copies of all cancelled checks and payments confirming without question i am 100 % correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation