vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase on XX/XX/2022 at Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/2022 and then made a subsequent purchase for {$410000.00} on the same day, XX/XX/2022 with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.

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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXXXXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account 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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account 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 2022-07-18 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, and Reference # XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Account XXXX XXXX REC # XXXX Account XXXXXXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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 explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without 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 2022-07-18 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I have reached out to ChexSystems and requested information in which I have yet to receive a response. ChexSystems is in violation of my rights as a federally protected 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Paypal put limitation and holds on my account and then I could not get straight answer from them would hangup and end calls here is the reference number XXXX and statement they have on my account You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have an XXXX store credit card that is issued by Comenity Bank. They had a system upgrade which didn't go as planned and their online services/website has been down for weeks now. There has been thousands of complaints on their official XXXX page and no one is able to get access to their accounts. I'm unable to see my account, unable to see when payments are due and unable to see how much is due. The company is charging people late fee 's and when you try to call, you receive a message saying all of their offices are closed. This is ruining peoples credit and causing all types of stress and anxiety on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
In XX/XX/XXXX PHH mortgage in formed that I was already 3 payments behind {$4100.00} and that foreclosure measures would start on XX/XX/XXXX if the account wasn't brought to good standing. As I informed them due to being XXXX XXXX XXXX being hit by financial hardship by covid and the up raise in my mortgage payment it has become affordable to continue paying on the mortgage. No assistance to date has been offered and a foreclosure in in process. This is the only home I have known since my husband and I purchased the home in XXXX. There is a {$70000.00} loan taken back in XXXX and the principal remains at {$70000.00}. They continue to increase my monthly payment. I see back in XXXX the action suit brought against them for insurance kick backs and I never received any sort of refund for that. The amount due now to bring the account to good standing is {$8700.00} I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX I am XXXX XXXX XXXX I recently purchased a condo in XXXX XXXX for {$120000.00}. I was scheduled to close on this property and was told by the title company to send a wire transfer for the deposit and closing costs. I called the title company to confirm the account number they said yes it was correct unfortunately they did not let me say the entire number and I only sent it to a partial number missing the last four digits. {$16000.00} was the amount sent on XX/XX/XXXX. I have attached a copy of the wire transfer record. XXXX is my bank and I asked them to recall the wire transfer from chase bank for two weeks chase bank had no response even though XXXX is sending messages through a swift system. On XX/XX/XXXX Chase finally responded with they were going to investigate the case but since then XXXX has not received any information. When calling chase bank they state the account number does not exist yet the Title company I am working with said that it went into somebody elses account. After a bunch of phone calls back-and-forth to the title company they are now emailing me that they will no longer help me retrieve the funds. XXXX continues to tell me they get no response from Chase. I went to Chase Bank and they said the funds should be received in 1 to 2 days when the funds are recalled again that is not the case. I have limited resources to speak to Chase because I am not their customer and they are not very helpful when I go into the branch or when I called on the phone I have attached the information for the wire transfer for you, my concern is that I will never get the money back. I have reported this to the Attorney General office. I had also contacted a private attorney and he stated that it would not be enough money for me to make it worth it to pay him to help me retrieve the funds. {$16000.00} is a lot of money for me and its creating quite a problem for me both emotionally and obviously financially. Your help on this is greatly appreciated my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
On XX/XX/2022, my monthly private student loan payment was due. The student loan servicer is Navient and the payment due was {$770.00}. Unfortunately, I forgot about it and did not make the payment at that time. On XX/XX/2022, Navient called me at XXXX am, XXXX am, and XXXX am. I answered the call made at XXXX, but the caller hung up on me. I immediately called them back to figure out who had been calling me all morning, only to find out it was Navient, calling me about the 6 day late payment. When speaking with the Navient representative, I was told they ( Navient representatives ) are authorized by Navient to call people every hour to ask for payment, which is what they were trying to do to me. I told them to stop calling me and that I believe hourly calls to be a violation of FDCPA and WI 427.104 ( 1 ) ( g ) - communications and collection efforts made with the intent to harass the debtor. I believe it is also improper to call and hang up upon the debtor answering the phone without identification, as they did during the XXXX am call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
To Whom It May Concern : I've contacted PHH Mortgage Servicing Company on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$69000.00}. I've never signed a contract with PHH Mortgage regarding this account. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked PHH Mortgage Servicing Company to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Monday, XX/XX/2022 : I received a notice of insurance cancelation from my property insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This cancelation notice and the accompanying Billing Notice are enclosed. Because I did not check my mail until XXXX, I was not able to call my local agent. 

Tuesday, XX/XX/2022 : I called my XXXX XXXX agent, XXXX XXXX, and confirmed that my policy had been canceled due to nonpayment by the mortgagee effective XX/XX/2022. 
XXXX EST : I called PHH Mortgage and informed them of cancelation. My agents name and policy number was taken and the agent said that she would resolve the issue and call me back. 

I called my agent again and advised him that PHH was going to reach out and that if my account status had not changed by XXXX, to please call me so that I could escalate. 

XXXX EST : After XXXX XXXX called and let me know that my insurance still had not had a payment applied, I called back ad escalated it again. At this time, I was told that PHH would overnight a payment to reinstate my insurance. I asked for clarification of that and was told that a check would be cut on the NEXT business day and then would be sent to XXXX XXXX via XXXX overnight. I asked to speak to a supervisor to understand what had happened to allow my insurance to lapse and was told I would be called back by one. As of the date of this letter, I have received no further communication from PHH Mortgage. 

Because I was without homeowners insurance from XX/XX/XXXX through that date and was told that I would remain without insurance until XX/XX/XXXX, I made the decision to call XXXX XXXX directly to make a payment of one months premium to reinstate my coverage. 

I have a pool and live in XXXX XXXX where we have entered hurricane season- we have had a tropical storm during the window of time that I was without insurance. PHH Mortgage is contractually obligated to pay my property insurance and to keep it in good standing, per the mortgage agreement and the monthly charges for escrowed funds to do so. Had an accident occurred at my property during the three weeks I was without coverage, the property or our financial wellbeing could have been put in jeopardy. Both XXXX XXXX and PHH Mortgage had the correct information for my mortgage company and for my property insurance on file at the time this event occurred. 

I would like to file this complaint against PHH Mortgage so that their processes and systems be evaluated and events like this are avoided in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On or about XX/XX/XXXX as a member of the Navy Federal Credit Union since XXXX. I applied for a loan and was denied. Being a 100 % service connected veteran, I thought I could always count on my credit union. I have had over {$5000.00} deposited into my account within the last three months. I am desperately trying to pay my bills off. But when I need help from the bank I entrust with my direct deposits every month for over 35 years and get DENIED, that seems so unfair. The credit union has trusted me on previous occasions to approve and pay back a loan, but they are NEVER there when times get rough. I have paid every loan that I have received and even increased my credit scores. This is a depressing move for a veteran with XXXX in need of financial assistance to stay sane. 

Blessings and Thank You, XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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 2022-07-18 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: TX

Complaint narrative:
I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
my name is XXXX XXXX i had account with state employyes credit union i got a personal loan was paying lost my job tried to negotiate payment plan they wouldnt accept my offer reported to credit bureau will not erase it after 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: IL

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

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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