vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
XXXX XXXX XXXX. ; XX/XX/2018 ; XXXX XXXX XXXX XXXX, debt owed is {$710.00}. I told them that I was unable to pay because My income stopped coming to me for a few months and I'm on SSI and SSD, and I cant be hold reasonable to repaying any debts at all. the sent this debt to collections and I sent them the law showing I didn't have to pay them nothing and they just kept sending notes about the debt. also, in 15 usc 1681section 602 states I have the right to privacy ; 15 usc 1681 section 604a section 2 : It also, states a consumer reporting agency can not furnish an account without my written instructions ; 15 usc 1666B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for purpose. They have been paid already by the government!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We pay through the XXXX XXXX Bank using auto payment. We make payments prior to the due date every month. The loan was sold to a Mr Cooper and ever since that company takes up to 2 weeks to process the payment, then they charge us a late fee. We have checked with the bank and they confirm payment and the Mr Cooper refuses to process the payments, they also refuse to acknowledge that they are receiving the payments even though the bank can confirm that they do receive the payments. They charge us {$150.00} dollars in late fees with every transaction and refuse to assist in getting this problem taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As you may be aware, Chase Sapphire Rewards offers rewards points for travel purchases made with a Chase Sapphire card. However, I have encountered a significant problem with accessing these rewards points today, XX/XX/2023. It appears that my name, XXXX XXXX, is similar to a name on an XXXX list of individuals who are under US sanction and not allowed to purchase airplane tickets or hotel reservations. Despite my repeated attempts to explain that I am a US born citizen and not the same person as the one on the XXXX list, I have been denied access to the Chase Rewards Portal due to this computer error. 

I have contacted both Chase Rewards and Chase Sapphire customer service multiple times to try and resolve this issue, but have not received any satisfactory responses. I was even instructed to petition XXXX directly to have my name removed from this list, which is not a viable solution as my name is only similar and not identical to the one on the list. 

As a paying customer and voting member of your constituency, I am reaching out to you for assistance in addressing this issue with Chase Rewards. It is my belief that by denying me access to the portal, Chase Rewards is knowingly limiting my ability to access rewards programs that they advertised as one of the primary benefits of being a Chase Sapphire cardholder.

I am asking for your assistance in urging Chase Rewards, JP Morgan Chase, or any other affiliated entity to allow me to access their online portal to purchase flights and hotels and receive the rewards points that I was duly promised from them as a paying customer. I believe that it is important for credit card companies to be held accountable for their actions and to ensure that their customers are treated fairly and equitably. 

Thank you for your time and consideration, and I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
My mortgage was just recently sold to Planet Lending in XXXX, I believe, after I refinanced with XXXX XXXX. My payment was XXXX. XXXX may have been the first payment with Planet Lending. The payment was XXXX. In XXXX it was XXXX and now it's XXXX. What is going on with my payments?? It's changing without any explanation. When I called to make sense of what possibly could have been estimated almost $ XXXX incorrectly, I was told the escrow estimate had not been done and wouldn't be done until XXXX. So, why did my payment increase like that? After 23 years of owning a home, I've never experienced that type of escrow adjustment and with no explanation. This has to be an error or someone's huge mistake. While this payment is not creating a hardship, I agreed to a certain payment. {$240.00} more is not what I signed up for and I want this corrected but received zero information or assistance when I called the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
On XX/XX/XXXX I started a process to refinance my home with my mortgage lender XXXX XXXX XXXX XXXX. This lender i have since XXXX. I bought a property located in XXXX KY. This property had two adjacent lots in conjunction with the house. 
one at each side of the property. I paid a realty attorney to have partial release of those lots with their own deeds and this process was completed in XXXX. On XXXX we decided to refinance the home and get some cash out for home improvements. XXXX XXXX did the process and sent an appraisal person to appraise the property. We had the loan approved, we contacted XXXX XXXX they said everything was approved and the agent told us that the property was appraised as a whole with the lots included, to our surprise because we never talked about including the lots. She stated that in the past we mentioned to them that we were paying taxes at the end of the year and the property was taxes were not included in the escrow account now they fixed it and included lots and house in one account that way taxes were included in the escrow account. We then accepted that decision without much information or clarification from them and without knowing consequences. Three months ago we needed to sell one of the lots due to financial problems to find out that we were not able to sell due to the lots being included in the loan. After we paid to do process four years ago now XXXX XXXX said they can not do anything because we agreed to the loan and the lots were included. They said Penny Mac our servicing loan company is supposed to do it, Penny Mac is being holding this case since XXXX to XX/XX/XXXX and we still haven't heard anything done. We need this issue resolved asap, we don't know what else to do, This is Unethical, Unprofessional and abusive from this mortgage lenders, XXXX XXXX and Penny Mac. Can any one help please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
By phone conversations we have tried to get the itemized list of care made. The initial bill was over {$1400.00} seen XXXX XXXX for few minutes not given any medications or nor procedures had XXXX XXXX so how come it was so much. Was not able to resolve with them made several attempts. Also we gave our CC information because we were told had to set up on auto pay to pay off before it could be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
When I asked about them needing my car title as collateral, I was told clearly that they would release the car title once the value of the car was paid off. 
The loan that I was approved for is a personal loan- $ XXXX above the value of the car, in order to pay off credit cards. I accepted the extra money in order to pay off my other debts. 
Now I am told that the full loan amount must be paid back before they will release my car title. 
So I was led to believe, and was reassured, that I can use my car which they have title of, to trade in for a nee car. 
Now Im told by OneMain that the $ XXXX loan must be paid in its entirety before I can get title for my car to do a trade-in. 
I have struggled and sacrificed to save XXXX to pay OneMain and went car shopping Only to find out that I cant use it as a trade in. 
The car is a manual and I have wrist and now XXXX XXXX  and need to buy an automatic transmission. I feel trapped in a vice and cry almost every day. I need help getting my car title and get these crooks exposed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Company has copy of complaints and occurrences which a few were in the actual branches I also have video and call logs The company has acknowledged my discrimination and now harassment due to the fact I filed a complaint they call frequently throughout the day I also had a home foreclosed on And have suffered years of hard discrimination  from the company mainly from what I see simply because of my name I even have proof of an email they sent purposely Spelling my name WRONG as a cruel joke they called me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is regarding a prior complaint filed with the CFPB. Complaint number XXXX. After the complaint was closed Sychrony recharged by card for {$2100.00} after correcting the prior miss-charge. I would like CFPB to help resolve this or at least assite in driving this to mediation. I suspect the systematic false enducement of cash advances is a fradulent scheme perpetrated by Synchrony Bank and should be looked into by the CFPB for adjudication and administrative enforcement.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX  XXXX  account XXXX XXXX, ( THIS ACCOUNT HAS BEEN PAID IN FULL ) XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX account # XXXX ALL of the above accounts have violated my rights.

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly and is accurate. These accounts can not possibly be verified because the inaccurate information is still on my credit report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States That I have the right to Privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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 2023-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I should be qualified for public service loan forgiveness. I sent Mohela my forms by mail and fax in XX/XX/XXXX and never heard back. I called and was asked to submit again in XX/XX/XXXX. I did so. It is now XX/XX/XXXX and they still have not process my forms. The only resolution available is to submit again and wait 4 months for there " normal '' processing time to find out whether they lost it again or not. The outcome of this process substantially impacts my financial and tax choices and I'm being held in stasis by their inadequate process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank has been acting in bad faith regarding request for loan assistance. They have denied us access to monthly fees incurred. Additionally, they have denied receiving documents from us that are clearly shown as received on their portal. They do not allow us to speak with anyone regarding our loan nor regarding our request for assistance.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2023 a check was sent from XXXX XXXX  from my account to XXXX XXXX {$250.00}. I called the bank the same day and the agent that answered had very poor English and didn't understand what a substitute check was. She advised would forward my information and have someone call me back. Instead of a call she sent me a complaint form to fill out and email back to XXXX XXXX  at email address XXXX. I returned the completed form on XX/XX/2023, I waited 10 days to see if I received a response. I never received a confirmation of receipt or anything in the mail. On the XXXX day I went to XXXX and was advised XXXX called and requested the payment. XXXX was my previous daycare but we've sense terminated our interaction. At the bank the branch Manage insisted that XXXX called and requested the payment, said since I gave them ACH authorization that they could call and request a payment be sent to them in a form of check. I called the daycare and they insist no one has called and I have a XXXX balance. I also asked the bank manager if this was due to the NSF payment that went to my account from XXXX and he advised " no they called in and requested ''. I was very concerned because I cancelled the ACH with the daycare and wondered why XXXX would allow someone to call and just request a payment. They advised me the complaint I submitted was put in the incorrect workflow and they would fix it and I would hear back from them. I gave them another 10 days to respond or refund my money and they haven't done anything as of today. I am now reaching out to you in hopes you can help and help others if this is something XXXX XXXX  allows. 

Lastly, when I went to the bank, they weren't persistent with helping me but trying to insist it was my fault. They wanted me to fill out another complaint as they were trying to get me to date a new one so they could put it into the workflow and get rid of the one they know wasn't handled properly.

Company response to consumer: Closed with monetary relief