vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX is under a court appointed Guardianship with a protective order to close his Wells Fargo Bank account to pay for care costs as XXXX XXXX resides in a XXXX hour care provider. Our agency serves as both the XXXX and protective agent over XXXX XXXX with the court ordered authority to close his account. We have attempted to close the account both at the XXXX XXXX location in XXXX XXXX and at the branch location in XXXX XXXX, XXXX. None of these attempts have been successful. We have spent multiple hours in the bank branch getting told different answers and they continue to refuse to release the funds. We are told to come into the branch and leave with no answers or getting the account closed. We feel they are discriminating against our client because he is a vulnerable adult with XXXX and unable to advocate for himself to come in person to the branch. The bank is holding onto his money and despite multiple court orders refuses to release it. I have delt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Neither of them are able to facilitate the closer of the account due to unclear reasons.

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 2022-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage was sold to Mr. Cooper shortly after closing in XXXX of 2022, we had a house fire on XX/XX/XXXX, the house was deemed 70 % destroyed. XXXX XXXX paid out over {$100.00} to Mr. Cooper for the rebuild. My house is now 75 % complete on the rebuild and Mr. Cooper can not secure a reliable company to do the inspection that they require in order to release the funds to the contractors. I have been calling Mr. Cooper for an entire month and been getting the run around. I've been given several numbers for inspectors and still to date no inspection has been done. I just feel like if Mr. Cooper can not do what they're supposed to which is secure an inspection, they should just release the funds so that me and my family can finally go home. I pay my mortgage on time for a house that I lived in less than 2 weeks and the biggest hold up is my mortgage company. Please help, it breaks my XXXX that me and my family could have been in our house for XXXX and now we won't. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as 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 2022-12-08 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-12-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp is allowing a company called XXXX XXXX XXXX to empty its user accounts and doing nothing about it. Upon researching who this company was after my card was charged over 15 times until it was emptied, I learned that this has happened to hundreds of CashApp customers and we have all been given the same response. Its not out of the question to assume that CashApp would be stealing from its own customers considering the fact that they refuse to help anyone this has happened to. You can read more stories here : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-08 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Repeated calls. I have advised them I am on do not call list. I do not have an account with this company. Midland Credit Management call on XX/XX/22 from XXXX no name identification on caller ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I wrote three cease and desist letters to Ally Financial after, I was harrased by deceptive practices and intimidation after asking for validation of the debt. Now I was under a consumer credit transaction of financing an auto loan. I asked for an on and off ledger at the time of the said debt was established. Never got a response they sold my information without my consent to a third party to come to my house and breach of peace and take my vehicle I protested that their is a cease and desist in effect and the gentleman continued and took my vehicle XX/XX/XXXX at approximately XXXX. This contract is fraud because in the XXXX XXXX you can not have a credit transaction and cash transaction its either or so the the finance charge was {$14000.00}, amount financed was {$28000.00} The total of payments is {$43000.00},. The total sales price was XXXX including a cash down payment of {$2000.00}. Ally has possession of my vehicle which they obtained using deceptive practices and threaten XXXX by sending police to my house.

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 2022-12-08 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: PA

Complaint narrative:
I have tried to open a different dispute with Experian for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXXXXXX XXXX has acknowledged that they sold my debt and that all payments should be made to XXXXXXXX XXXX. XXXX XXXX offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. XXXXXXXX XXXX  has to honor that. Experian, XXXX XXXX and XXXX is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show 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 2022-12-08 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: SC

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 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 2022-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
XXXX ( XXXX ) sent Pennymac a reinstatement and monthly mortgage via electronic deposit on XX/XX/XXXX. Pennymac claims they have not received a payment. Pennymac keeps hanging up on me and will not give us an answer as to where the money is just claiming they didn't receive it yet they did. Meanwhile our mortgage is late when they have the fund but have not applied them.Loan - # XXXX pennymac number XXXX. 

Additional payment will be sent for five months at monthly intervals. If the money was sent electronically..they have it and are deliberately living and holding the money maybe for interest... meanwhile our loan is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I'm not sure if I'm in the right spot for a complaint or not but it's worth a shot. My conventional mortgage on my home was transferred to Flagstar Bank in XX/XX/XXXX. I've been paying {$120.00} per month in PMI on my loan. My escrow analysis was run in XX/XX/XXXX by XXXX. After reviewing the XXXX analysis, I noticed that my PMI amount increased monthly to {$240.00} per month. I called XXXX immediately ( XX/XX/XXXX ) after noticing the increase because PMI is not supposed to increase. The first representative tried to tell me my PMI amount has always been {$240.00} but I knew that was wrong, so I asked to speak to someone else. The next person told me that the additional amount was for something called a rural annual fee which she couldn't explain to me. I looked this fee up and it seems this is PMI for USDA loans in rural areas. My loan is not a USDA loan and I live within the city limits of XXXX FL so neither of these apply to my loan. She said she was going to ask for an escrow analysis to be re-completed to remove this from my account but as of XXXX. on XX/XX/XXXX this has not been completed. I called again on XX/XX/XXXX and the bank said they were going to mark my request as urgent for an escrow analysis re-run. 

This all matters to me because this issue has both increased my payment starting on XX/XX/XXXX due to the additional {$120.00} per month and has also caused an escrow shortage on my escrow account in the amount of {$1400.00} which in turn also causes my monthly payment to increase again. I feel like this bank is trying to deceive people on the PMI portions of their escrow accounts. Their lack of urgency in resolving this matter or getting me an answer at all really makes me feel as though they have a deceptive practice going on.

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX, i bought a motorcycle tank on XXXX from a seller name XXXX XXXX XXXX XXXX XXXX ) for {$950.00}. The seller described the tank for being for a XXXX XXXX monster XXXX after buying and sending it to the shop, the mechanic told me that the tank does not fit my bike and that it was wrong. i then told the seller who admitted to sending the wrong tank. they wanted me to mail the tank back to them which would be the equivalent to the tank price over seas. i refused as it was their mistake. i told chase bank that the seller wronged me and that it was their fault. i also had proof of the dispute. Chase bank closed by dispute simply by saying that the seller sent the product. they didn't take my evidence into account. I lost alot of money and i want it back. please help me. my chase claim number for this dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: SC

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-08 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: MT

Complaint narrative:
In XXXX I received a text message from this company stating that their aftermarket GPS tracking device had been " tampered with '' I brought it to their shop of choice and the shop found that there was a blown fuse most likely caused by poor installation on XXXX XXXX XXXX end. They repaired the fuse and noted they would need to remove the device and reinstall it correctly. XXXX XXXX ignored this advice, a couple months later this exact fuse blew again. I was out of town at the time and received a message that if it wasn't at the repair shop of their choosing by end of the next day they would come repossess the vehicle. 2 hours later they were in my driveway taking the vehicle. This was not a legal repossession, the loan was never delinquent. It was a void of contract due to their faulty aftermarket electrical equipment. I would like the repossession remark removed from my account as it is incorrect. I have all text message correspondence with this company as well as security camera footage of them taking the car 2 hours after contact.

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 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
TO : Consumer Financial Protection Bureau. 
I received a collection notice letter dated XXXX XXXX from ConServe Continental Services Group Inc. with their address : XXXX XXXX XXXX XXXX XXXX NY XXXX for the amount of {$590.00}. It claimed that I owed the XXXX XXXX XXXX XXXX for the debt account of XXXX. It stated I should pay the said amount to the XXXX XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. No where in the letter are stated the DETAILS or documentation of their claim. It was mailed to my old XXXX XXXX CA family address. I have copied them my complaint to CFPB and attached it to my reply to the ConServe. - XXXX XXXX XXXX now residing in XXXX XXXX XXXX XXXX in XXXX Maryland XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
This isnt the first time theyve messed with my funds, but this was the last straw. Its not even over a lot, its only XXXX. Im just at my wits end with this bank. I had to call cursing and aggravated beyond hope, just so they would send me my money that someone was refunded toy old account while it was already closed for XXXX full days. Then when I call, theres nothing they can do, they can try to send it to my bank digitally and XXXX get an email. No email, no funds a couple days later. This is on XX/XX/XXXX. 
XX/XX/XXXX I call again and this time same rant, BUT we can mail you a paper check. At this point whatever gets the money out of my account because this is all I wanted. However the money shouldve been sent back or refused as is stated in the account closure email. Before this occurrence though, their support was no help with double charges or with funds not arriving. Overall Avant/Level bank is great, that is only if youll never have any problems ever, because they dont want to fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Please delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief