vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for a mortgage with Chase in XXXX, closing end of XXXX. At the time, I was shopping around for rates and the loan officer promised that he would beat the competitors and get me a 2.625 % rate after applying discounts. I agreed. After applying, we reviewed the conditions for these discounts, and I fulfilled them. This was confirmed with the officer via both email and sms text. However, the rate quoted on underwriting document and loan agreement had none of the discounts applied ( 2.875 % ) in late XXXX. I sent multiple follow up emails and calls over the following weeks/months asking for the rate to be updated on the documents and the loan officer confirmed and assured me it was being worked on and would be reflected during close.

20 days before close my case was passed to a different officer and I was told the terms I was given do not qualify for the discount. They are refusing to honor the rate that we had agreed on both verbally and in written communications without moving additional funds, and with no acknowledgement or apology for any mistakes. 

I feel as if I had done my due diligence in confirming with them many times over the three months that I had moved sufficient funds and taken the appropriate actions to qualify, and at the time they had assured me that I had. To change their messaging at the last minute, despite having three months to notify me, leaves me with no recourse to go to another lender ( and had I been given the terms originally, I would have gone with another lender from the beginning ). I feel that they need to honor their originally agreed rate, and they have long passed the reasonable window to be making additional demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: PNC Bank N.A.
State: PA

Complaint narrative:
Several transactions occuring through XXXX to XX/XX/XXXX totaling roughly XXXX. Purchased online using my compromised debit card and delivered to my home address while I was several states away. Open police report and the bank denied the claim. PNC has not been helpful at all and have had little to no communication. Tried talking to them via the chat in virtual wallet and then when I called them they said they had no record of my chat and said their app must have been compromised aswell. Yet they admit the app was hacked but still denied my claim. I m just looking to get my money back and be done with the fiasco.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a phone call at work at XXXX local time from a " local '' number. XXXX. The lady on the phone told me they have been to my house to deliver legal papers but nobody was home and I need to schedule delivery ( she told me she is a courier ). She also said she talked to my supervisor. I could either schedule delivery with her or call the office that is trying to deliver these legal documents at XXXX and give them case file XXXX and to talk to XXXX XXXX. 

I called the XXXX number. Found out it was a debt collector. They are trying to collect on a credit card debt that was past due since XXXX. The lady told me she is going to sue me and threated legal action against me. I live in California and told them this debt was past the statue of limitations and she said she never heard of 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 2021-06-11 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: AR

Complaint narrative:
Over the past several months I've been in contact with XXXX, Equifax, and XXXX  in regards to a medical collection account reporting under the name of XXXX XXXX  located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
fcra violations not mine : see attachments XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NH

Complaint narrative:
We refinanced our home and paid off our mortgage withe The Money Source. The closing was way back on XX/XX/XXXX, XXXXThe Money Source was supposed to mail us an escrow refund check in the amount of {$1900.00} within 10 days. As of today, XX/XX/2021, we still have not received our escrow refund. We need this refund asap. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2021 I contacted XXXX and I was out of work. I logged in to make the my Carnote payment on XX/XX/2021 but it was drafted XX/XX/2021 Bridgecrest reported a 30 day Flag on my credit report. Ive called Bridgecrest over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..

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 2021-06-11 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: TX

Complaint narrative:
There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE 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 2021-06-11 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: TX

Complaint narrative:
There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE 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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Social Finance, Inc.
State: TX

Complaint narrative:
There is no receipts cause it's a fraud account! They put the money in and took it out through fake checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Recovery Management
State: TN

Complaint narrative:
I called fox collections to resolve a debt. I asked if I could settle with a lower payment. I was told that the original debtor said that they couldn't take a settlement. I spoke with XXXX about a DOS of XX/XX/18 for {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XX/XX/2015, I traded in my PURCHASED XXXX SUV  FOR A XXXX. I PUT DOWN {$5000.00} DOWN PAYMENT. MONTHLY PAYMENTS OF XXXX WERE DIRECT FROM MY XXXX TO M & T BANK. AFTER 5 YEARS, I CALLED THE BANK TO GET A LIEN RELEASE AT WHICH TIME I OWED A LARGE SUM. I SAID " IMPOSSIBLE AUTO DIRECT PAYMENT. '' SEVERAL EXPLANATIONS THAT MADE NO SENSE CAME WAY WITH THE ALLEGATION I SIGNED A CONTRACT FOR 85 OR SOMETHING PAYMENTS. I TOLD THERE MUST BE A MISTAKE AND FRAUDS. I CALLED XXXX XXXX AND THEY GAVE ME A FAKE PRINT OUT JUSTIFYING THE DEBT. THEY LEFT OUT THE DOWN PAYMENT. I HAVE XXXX AND XXXX STATEMENT TO PROVE {$4000.00}. AN EMPLOYEE FROM M & T BANK TOLD ME THE DOWNPAYMENT WAS {$5000.00}. AND THEY REFUSED TO GIVE ME COPY OF THE PURCHASE AGREEMENT OR BILL OF SALE SINCE I COULD NOT FIND DOCUMENTS RELATED TO BOTH VEHICLE AT ISSUE.

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 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was locked for no reason. I tried to contact them but they are not responding, it's already pass the 180 days and I already received an email that I can already withdraw from account, yet it still says that it is still locked. I have not been able to get help from them fore months. I remembered I could file a report here as I feel they are not doing their job properly, it affects me a great deal as I used PayPal frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NC

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. IT HAS BEEN WELL OVER 45 DAYS AND I haven't received any investigation results. I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION. I have even contacted XXXX  LEGAL DEPARTMENT and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. Congress enacted the FCRA in XXXX to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. 2009 ) ( internal quotation marks omitted XXXX. Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ). SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. XXXX ). Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' XXXX XXXX XXXX XXXX, 744 F.3d 853, 865 ( 3d Cir. XXXX ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' I DEMAND FULL REMOVAL OF THIS ACCOUNT. XXXX is guilty of DEFAMATION OF CHARACTER AND UNLAWFUL PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CCS Financial Services, Inc.
State: AR

Complaint narrative:
Over the past several months I've been in contact with XXXX, XXXX, and XXXX in regards to a medical collection account reporting under the name of ccs collection located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
The XXXX XXXX XXXX terminated my lease on XX/XX/2017. 
However, after that they hired FABCO LLC to collect an debt that I do not owe them. 
After producing FABCO the documents that I do not owe this alleged debt the reduced the debt a but refused to remove and close the accout. They have continued to harass me about this debt that I do not owe and refuse to remove the debt from my credit report and other debt agencies preventing me from obtaining housing.

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 2021-06-11 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: NY

Complaint narrative:
i see there is a XXXX  XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF

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 2021-06-11 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: DriveTime
State: FL

Complaint narrative:
XXXX XXXX I contacted XXXX and I was out of work. I logged in to make the my XXXX payment on XXXX XXXX but it was drafted XXXX XXXX XXXX reported a 30 day XXXX on my credit report. Ive called XXXX over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian lists my open accounts, balances, and credit limits on their website and shows a total balance due of {$140.00}, or 6 % utilization. This 6 % is repeated several times and is called " low '' and " ideal. '' Credit utilization is 30 % of my FICO XXXX Score. 

25 % of my score is in the " Very Good '' range. 45 % is in the " Good '' range. But my FICO Score is only " Fair '' -- and XXXX points away from " Good '' -- because Experian computes my score, not with the " Ideal '' 6 % utilization they show me, but with a " Fair '' 62 % utilization that isn't explained. 

I've made several calls asking why 62 % utilization is used to compute my score, when 6 % is on my report. I've been referred, repeatedly, to the Experian dispute site. No one has offered an explanation as to why my score is computed with 62 % utilization rather than the 6 % usage shown.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation from those two companies?

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