vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition foXXXX XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I tried to dispute the debt as I am legally permitted to do. Sunrise refused to honour my right to dispute the debt, and on being pressed cancelled my call.

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 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On Wednesday, XX/XX/2023, I called AmeriHome Mortgage to get a payoff amount for my note. That payoff amount was posted in my documents in my online portal. It had the payoff amount that was due on XX/XX/2023 plus an additional daily fee of {$110.00} per day after XX/XX/2023. On XX/XX/2023, I sent a wire to AmeriHome in the amount of the payoff plus the {$110.00} due to it being the next day. The wire arrived after XXXX, so AmeriHome viewed it as short and expected another {$110.00}. They did not call. The did not provide any information on this in the portal. I called customer service on XX/XX/2023 and spoke to an agent who said it would be fine and that it takes a day to process wires received after XXXX XXXX on the previous day. Lo and behold, On Monday XX/XX/2023, I called customer service again because the rejected wire was not put in my bank account due to what they called the short amount of {$110.00}. I spoke to an escalation agent - XXXX ID XXXX XXXXXXXX and he said he would be sending the wire back, he was opening up a case and that he was filing a complaint on my behalf. All of which was not done as of XX/XX/2023 ). XXXX said that the " short wire '' amount would be returned to my bank account in 24 to 48 hours. That means at the latest, the wire transfer should have been received back in my bank on XX/XX/2023. On XX/XX/2023, the money is still not in my bank account, no case number had been opened, no complaint was filed and no answers were provided in writing, in a phone call, an email or a letter. AmeriHome held my money for a week and that costs me {$110.00} per day in interest. This is fraudulent and deceptive as the money is not theirs and by holding my money and delaying its return, they in essence maximize the amount of fees they are able to generate because each day that goes by costs me {$110.00}. There is no reason that they should have held my money as soon as they claimed it was short. It was wired to them and they should have wired it back. They are deceptively creating additional fees that is costing me real money and there is zero communication about the resolution from the company as of XX/XX/2023. Buyer Beware!!!

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation
State: CO

Complaint narrative:
I used Albert and they took a yearly subscription payment. I asked for it back, they told me to withdraw my money, but every time I try its a different amount and then says I have a XXXX balance despite $ XXXX being available. In other words, Albert is holding my investment hostage so they can charge me for a yearly subscription, and their customer support has not responded.

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 2023-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have been in an active dispute of contract with PennyMac Loan Services LLC and XXXX XXXX XXXX XXXX They attempted to foreclose on my property in XXXX of XXXX  this action was withdrawn. I recently received harassing and threatening correspondence from both parties attempting to exhort large sums of money and threats to again try to take my home. In a recent correspondence dated XXXX XXXX  PennyMac Loan Services LLC admitted they have been refusing to provide me with a contract proving that they gave fund to me for a loan. They also stated they are the Landlord for the Loan Originator. And that the Loan Originator are not the ones requesting repayment but PennyMac Loan Services LLC is requesting payment without having a contract. Ive repeatedly asked why they keep harassing me. They said im behind in payments but not in default with my contract with the Loan Originator. Which means no funds are tone paid to anyone except the Loan Originator who in not the one taking me to court or asking for funds. Under 15 U.S.C. section 1639b Penny Mac Loan Services LLC quoted that my agreement was to the Loan Originator not them and that I agreed to repay the Loan Originator a monthly payment of {$1.00}, XXXX for 30 years. Yet PennyMac Loan Services LLC and XXXX XXXX XXXX XXXX. are trying to fraudulently exhort {$1900.00} a month.And are making a claim of contract between PennyMac Loan Services LLC and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX they refuse to produce a contract as stated in the letter dated XX/XX/. They don't have any financial hand in anything dealing with my Loan Contract with the Loan Originator. I pay my own taxes and homeowners insurance. So they are committing fraud and threatening me with losing my home and freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I received a notification today from Experian that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have attached relevant documents, including bank statements, correspondence with US Bank, and any other supporting evidence to substantiate my claim. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your assistance in rectifying this grave error and holding US Bank accountable for their actions. 

Yours faithfully, 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 monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Deposit total of {$3700.00} being held for 5 business days. I am traveling internationally with my XXXX  XXXX  children without access to other means of money for shelter, food and travel home. Deposits made on the XXXX and the XXXX and am told I will not have access to it until the XXXX. Attempted escalation multiple times with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
Subject : Complaint Regarding Unethical Practices by Mr. Cooper ( NATIONSTAR ) Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. My name is XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding the mortgage company, Mr. Cooper ( formerly NATIONSTAR ). I have been a customer of Mr. Cooper for a little under a year. Recently, I have become aware of a series of underhanded practices that I believe warrant investigation. Despite having a fixed-rate mortgage, I have noticed a significant and unauthorized increase in my monthly mortgage payments. These alterations have been made without my consent, leaving me financially burdened and struggling to meet my obligations.I have made numerous attempts to contact Mr. Cooper 's customer service department to seek clarification and resolution, but unfortunately, I have received no satisfactory response. Also, previously I've had numerous problems with them and it truly stressful. 

This has led me to believe that there may be a systematic issue within the company 's practices, potentially affecting other customers as well.I am deeply troubled by this situation and believe it is imperative for the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is essential that customers like myself are protected from deceptive practices and ensure that financial institutions are held accountable for their actions.I have attached relevant documentation, including copies of my original mortgage agreement, recent statements, and records of my attempts to communicate with Mr. Cooper. 

I trust that you will treat this matter with the seriousness it deserves, and I hope for a prompt and comprehensive investigation.Thank you for your attention to this critical matter. I look forward to a resolution that not only addresses my specific concerns but also ensures the protection of consumers in similar situations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-19 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On or about XX/XX/, I initiated a dispute of a purchase transaction posted to my Synchrony Bank PayPal Credit account on XX/XX/XXXX  in the amount {$140.00} by the merchant XXXX. The primary reason for the dispute was that certain goods delivered by the merchant were not in the condition specified by the merchant when the purchase was made. Specifically, the goods were described by the merchant as in " New '' condition, but the condition of the goods delivered was Used and/or Refurbished. The secondary reason for the dispute was that the merchant authorized a return of the goods, but failed to provide a return shipping label or a return shipping address. The merchant also did not respond to a specific request to provide such label or address. This dispute was raised by my completion and signature on the merchant 's " Dispute Acknowledgement Form '' together with four pages of annotated documentation supporting my reasons for the dispute. I submitted the form and attached documentation to Synchrony Bank via fax transmission. A copy of the documents that I submitted is attached to this complaint. Synchrony Bank has not made any substantive response to my dispute ; Synchrony failed to investigate the dispute, make any determination on the validity / accuracy of the transaction, and to send me any written statement regarding my dispute.

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 2023-10-19 00:00:00
Product: Credit reporting 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 2023-10-19 00:00:00
Product: Credit reporting 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/2022 EXP XXXX XX/XX/2022 EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$800.00} from an ATM using my Cash App Debit card. The transaction was canceled, and no money was received, but the money was taken out of my account. I was trying to take the money out to pay truck payment and my family 's home electric. I've disputed the issue with cash app and have been working with the bank which the atm error occurred, XXXX XXXX XXXX XXXX XXXX XXXX XXXX received the dispute from Cash App, XXXX XXXX sent the dispute to their dispute department, where their dispute department accepted the dispute and sent it back to Cash App. Cash app continues to deny my disputes even with proper evidence to support my claim. The past few weeks have been a severe struggle not having that money to pay for truck, electric, fuel, and food. Cash App representatives continue to disconnect the line middle of conversation. The only update they give me is that its processing in a different department. They can't connect me to that department and the cant even send a note to my claim to that department to attempt to fast track my claim, so my family is hurting anymore. I believe that Cash App has unethical ways of doing their services and support. I am not the only one to have experienced this with Cash App and most people give up and don't ever see their money. Cash App representative 's do not care to help. I am a XXXX  veteran that should not have to stress on whether I will see my money again cause a large corporation has a hold of it and are not willing to do some work and get it straightened out. I am a very upset American XXXX veteran.

Company response to consumer: Closed with explanation