vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: Block, Inc.
State: MD

Complaint narrative:
I filed a dispute through cash app for a restaurant in XXXX NC XXXX XXXX. Due to a wrongful charge on my account. Although it says in the screenshots i filed the dispute for the total amount. I only requested a refund for XXXX dollars and some change give its take. When filing a dispute they ask you how much and thats what i put in. I never received a food item at the restaurant plus the tip I gave The waiter. Before leaving the restaurant I was assured Id be given a refund and didnt get one. The waiter disappeared and was not seen. I filed a dispute with the company and called the restaurant to let them know that I didnt get my refund and of my request. This all happened in the same day. A refund was given immediately and corporate followed up days later with a refund and gift card as well. No I did not notify cash app of the refund because I assumed someone would contact me. Like it said they would when I filed the dispute. I woke up this morning to my card being deactivated, XX/XX/2023 with cash app claiming my claim was false or fraudulent. However nothing was false or fraudulent and no one ever followed up with me. I assumed They would see I was given a refund and close the dispute. In no way shape or form was I trying to get over on anyone or file a false claim. I got What I needed from XXXX XXXX and I am content.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Figure Technologies, Inc
State: MI

Complaint narrative:
I accepted a {$22000.00} HELOC with Figure Lending. They sold my loan in XX/XX/2022 them continued accepting my payments. In XXXX a payment was missed and I was sent an application to modify my loan via XXXX. I filled out and returned the application XXXX times. Figure Lending said I didn't sign it which is impossible because XXXX won't complete the document without a signature. Then suddenly my loan was sold again but this time I didn't get any notice. But even after, Figure Lending continued billing me. I still have an open account with figure lending somehow. I'm still receiving monthly statements from them and XXXX XXXX XXXX XXXX which is the first company my loan was sold to in XXXX. This has been stressful and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 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 2023-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXl, 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 15 U.S.C 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 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 2023-06-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Charged me overdrafts fees and will not refund

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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We are in the HAF program ( Save the Dream ) through our state. They are currently making our payments for us until XXXX. The last payment they made was in the amount of XXXX on XX/XX/XXXX. This amount was put into a suspended account because it was not the amount of the full payment. On XX/XX/XXXX, this amount was moved to the principal curtailment. We now have {$1800.00} in a prepaid principal account. This amount should not be going towards the principal. These payments are to be going to our monthly payments and should've paid for the month of XXXX. They have not applied these payments to the correct account. I have reached out to them already without any answers. Another payment will be being applied soon and I'm afraid they again will put it in the suspended amount and then into the prepaid principal. 


Your Loan Started XX/XX/2020 Your Loan Ends XX/XX/2050 Prepaid Principal {$1800.00} Suspense Balance {$0.00} Deferred Balance {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CHASE BANK open a trust account with my social security card without my consent. Manager request for number i did not require to have as a consumer my personal information was used to open a trust account and that is a violation to my right to privacy I want to be held responsible for damages of this case of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This company have obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-06-07 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 : 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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
This complaint is filed against AmeriSave Mortgage Corporation. 

On XX/XX/2023, 2 days before our settlement date, the closing cost ( Section E - Taxes and Other Government Fees ) was changed from {$6800.00} to {$10000.00}, resulting a net increase of {$3800.00} in this section. 

In Closing Disclosure dated XX/XX/2023, no specific " Change of Circumstance '' was provided. It simply says " CD to CD ''. 

The purchase agreement ( contract ) was supplied to AmeriSave at the beginning of the application. There was NO CHANGE in purchase agreement regarding how tax and fees should be allocated during the mortgage application/processing. 

Per CFPB website, closing costs that can not increase at all if there is no " change in circumstances '' include : Transfer taxes These changes were made 2 days before settlement without material change to loan application and adequate disclosing. If AmeriSave had made a mistake in allocating such costs in all earlier versions of Closing Disclosures, are they legally bound to stick to them? Adjustments made by AmeriSave at the last moment without any change of circumstances ( at least not any circumstances from applicant side ) is not only surprising and misleading, but also created unnecessary chaos during settlement. We challenge the legality of such practices and demand a refund for discrepancy caused. 

We have Closing Disclosures dated XX/XX/2023, XX/XX/2023, XX/XX/2023 for the record and can supply them if needed. 

Best Regards, XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-07 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

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 2023-06-07 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:
I did not initiate these Accounts and I believe they are fraudulent.

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 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I was wrongfully XXXX and sent to ABILITY RECOVERY SERVICE, they held me in a holding room for 3 or more hour against my will. They didn't provide me with any documents to advise me of my civil rights. I refuse to provide them with any medical Insurance information or sign any documents. So they sent me to another facility called XXXX XXXX XXXX 

XXXX XXXX XXXX provided me with documents the next day, so I filed a Witt Of XXXX XXXX, then they evaluated me and declared I had no medical condition in order to keep me there. So the XXXX 's apologized then released me and stated there will be no charges.

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 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UPGRADE, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I there a debt consolidation loan in the amount of {$25000.00}. I was approved by Upgrade and all the funds were sent out to the credit cards on XX/XX/XXXX. There was another loan in my name for {$25000.00} Again all the funds were sent out to all my credit cards in amount of {$25000.00}. On XX/XX/XXXX or XXXX I canceled the upgrade loan due to the fact that I have already had a loan of {$25000.00} and started the process of sending all the funds back to them, it was a very easy process all the debt cut all the credit card companies sent me a check I put it through my bank and then ice directly sent it back to them. As of today I only owe {$9100.00} to Upgrade on or around XX/XX/XXXX when I saw that the Upgrade account wasnt being debited {$5600.00} I called to ask them why. And thats when I realized that XXXX XXXX there were two payments one for XXXX and one for XXXX. That have never been credited to my account. I sent Upgrade a letter from XXXX XXXX stating that the funds were sent back through the bill pay service that they received it. And this has started a 15 month battle of searching for the {$5600.00} fines the XXXX XXXX says they sent and Upgrade says they never received as of XX/XX/XXXX. The funds still have not been credited to my account therefore I am in default with Upgrade for {$9100.00} when this loan clearly shouldve been closed back in XXXX when they received all their funds back XXXX XXXX and Upgrade fail to look for this money now its {$8100.00}. XXXX XXXX  has since tried to send back another {$2600.00} and put a refund back on my account. Therefore I am over the limit and once again another payment lost I have been on the phone I have sent emails I have begged I have pleaded I have given trans numbers I have giving letters I have given both companies everything that I can to work this out and get this settled. I am not at fault here its clearly their fault that I am the one who is being punished with my credit score diminishing on a daily basis, this is my second complaint the first one with XXXX XXXX that I did on Monday XXXXm doing this one today for Upgrade financial services their bank is XXXX XXXX bank. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Dear Sir/Madam, I contacted Pennymac on XX/XX/XXXX, to request the removal of our escrow account. Unfortunately, my request got denied via email on XX/XX/XXXX. When I called Pennymac on XX/XX/XXXX, to inquire about the denial, a representative informed me that the LTV was 71 % when it should have been 70 %. 

I asked the representative about the value used, and they informed me that an appraisal from XX/XX/XXXX was used, which showed the value at approximately {$600000.00}. However, I informed them that we had recently had our home appraised by a licensed professional, and it was valued at {$980000.00} due to some major upgrades we had done in the past few years and other outside influences of the market. I emailed them a copy of the new appraisal the same day. 

Despite this, I received another denial for the removal of escrow on XX/XX/XXXX, citing the exact reason for the minimum current and original loan-to-value ratio needing to be met. When I called Pennymac again, the representative informed me that they didn't know why Pennymac was still using the old value, as the denial letter mentioned the minimum current value. The representative couldn't provide me with the minimum present value used, as they didn't use any current value ; they only based their decision on the original value from XXXX. And when I asked her what can be done to help me she just hung up on me and never called me back. 

I have attached copies of both denial letters for your reference and a current copy of the appraisal that I submitted to Pennymac but refused to review. 

I am contacting the CFPB, hoping they can assist me.

Company response to consumer: Closed with explanation