vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot has overcharged me for PMI and mortgage interest following full payment of my mortgage on XX/XX/XXXX. 

Full payment on my mortgage was wired to LoanDepot on the morning of XX/XX/XXXX. LoanDepot has told me that it takes days to " process '' the payment and they have decided to charge me for PMI and interest following full payment. LoanDepot has to this date provided no documentation showing that the wire for payment was not received on XX/XX/XXXX. 

According to my escrow account transaction history, I paid LoanDepot PMI of {$150.00} on XX/XX/XXXX. On XXXX, after my mortgage was paid in full, {$300.00} was deducted from my escrow account for PMI. Yet I had paid PMI just two weeks prior. On my closing disclosure from the sale, I also paid {$450.00} in PMI. It is my understanding that this PMI amount was conveyed to my escrow company by LoanDepot. 

Additionally, my closing disclosure lists {$230.00} paid to LoanDepot for interest for XXXX. Because my loan was paid off on XX/XX/XXXX, I am due a refund of all interest charged on or after XX/XX/XXXX. 

I have tried several times to speak with LoanDepot regarding this matter. On XXXX, I wrote LoanDepot a secure message via the loan servicing website to request a refund. I have yet to receive a response to that message. I then sent two follow up emails referencing my message on the loan servicing secure message portal. 

I then wrote to XXXX XXXX XXXX to request assistance. XXXX informed me on XX/XX/XXXX that she understands that I filed a CFPB complaint against LoanDepot and that she would not be able to respond to my concerns until LoanDepot 's Regulatory Team reviewed and responded to my complaint. XXXX is a Senior Escalation Resolution Specialist, and she told me that because I initially inquired about the PMI and interest overcharges via the secure message portal, she could not assist me. This response from a Senior Escalation Resolution Specialist appears retaliatory in response to my CFPB complaint made on XXXX regarding LoanDepot 's wrongful withdrawal of my monthly payment after my loan was fully paid. 

On Thursday, XX/XX/XXXX I received a call responding to one of the two follow up emails. The agent I spoke with told me that I had already been refunded ~ {$4200.00} for my issue. This was false. The XXXX refund was for a wrongful autopay payment by LoanDepot following full payment on my mortgage. Once I explained this, the agent told me she could not help me because I initially wrote my message through the secure message portal. 

I had now been over seven days since I sent my original message regarding PMI and interest overpayment. LoanDepot 's multiple deflections and refusal to respond to my original inquiry is an unfair, deceptive, and abusive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I DISPUTED WITH EXPERIAN ON XX/XX/2022 TRYING TO GET INCORRECT PERSONAL INFORMATION AND ADDRESSES REMOVED AND THEY REFUSED TO MOVE IT. ACCORDING TO 15 U.S.CODE 1681 I DIDN'T GIVE ANYONE WRITTEN CONSENT TO FURNISH ANYTHING 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 2022-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had did a test with XXXX XXXXXXXX XXXX on XX/XX/2021 and paid with my card. 
However, in few days I started getting text on my phone regarding bill payment from services availed to XXXX XXXX 

MIND, I HAVE NEVER BEEN TO XXXX XXXX. 

THEY STOLE MY INFORMATION and started sending text and later followed by mails from CCS. 

Looks like its a spam and hence want to report it here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
today, XX/XX/2022 I tried to activate my vanilla visa {$50.00} gift card given to me by my daughter for mothers day. I've tried and tried to reach them any and all ways available. such as XXXX numbers etc. once I actually spoke to someone whom I couldn't understand because of language barrier. she tried to sell me something - again I couldn't understand her but i did understand she wanted my banking account information which I quickly said NO. then she gave a phone number : XXXX which is a cable company!!!! 
this nonsense went on and on I went to the vanilla visa website VinillaGift.com and of course I found no luck there. so im contacting you. really all I want is to activate my gift card and enjoy the bounty. I've contacted visa directly and no help there. 

can you help thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 someone fraudulently used my account to purchase bitcoin from a company named XXXX. I want to know how to pursue judicial charges, because I know exactlyu who is responsible for these 12 different charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX/DEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # 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 2022-05-14 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXDEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
Hi. I am going to copy and paste the necessary information along with a summary of my situation. 

In XXXX, my card was used for multiple fraudulent transactions online. Some of them were connected to XXXX and my card. I live in a different country than the United States. Soon after the charges posted my Charles Schwab account and I noticed, I immediately called the bank to tell them about the fraud.

Of the 8 charges that were fraudulent that I notified them about, they only created a case for two of them, and instead of being marked as fraudulent charges, the cases were marked as basic payment disputes.

I was told that it could take 45 days to investigate. After over two months with no notice, I contacted Schwab and was told that they closed my cases because I did not provide more information for their inquiry. I was never contacted by Schwab, and I therefore could never provide more information to them. This is also when I learned that they only filed 2 cases for charge disputes.

I am not just disputing these charges ; these charges are fraud. I did not benefit from these transactions. Someone used my card on the internet without my consent, and bought items and services that I did not utilize. All of these services and items were US based. To repeat, I do not live in the United States currently or when these charges were made.

I have contacted Schwab at least 4 other times to correct this issue. I have stopped calling them because I live in a different country, and I want proof in writing of my correspondence with them. They are not understanding or responding to my fraud case and it has almost been 6 months exactly since I have contacted them. 

The charges are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX, of XXXX XXXX XXXX # XXXX of 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 Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is medical )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.

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 2022-05-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds soon. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is 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 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, a family member was scammed on XXXX and they took her identity. They convinced me to give them {$1000.00}. They asked me to transfer the money. I realized what was going on while the transaction was still pending at the bank. I told them that I was scammed and they opened a claim. 
Today I spoke to them and they told me they could not do anything for me. 

XXXX and BOA said again I should transfer money to family and friends only and I did, they were scammed! 

I demand they protect me and others from online criminals and refund my money since I followed their rules.

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 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I opened a checking account with USAA # XXXX. On XX/XX/XXXX I opened a savings account with USAA # XXXX. On XX/XX/XXXX USAA froze both accounts without notifying me. When I called USAA told me that I had received 2 suspicious XXXX transfers that activated some algorithm which automatically froze the accounts. 
They said it was in the hands of one of their fraud investigators. The XXXX transfers were from my boss for expense money, and from a friend paying back a loan. 
I have called USAA numerous times, one the phone for over an hour each time on hold and jockeyed about between offices. I have requested that the accounts be closed, and a check mailed to me several times. 
I have asked to speak to the investigator numerous times, and the reply is they will give me a call back. I have spoken to one manager who told me she could not do anything the investigation would have to finalize. This was early in XX/XX/XXXX. 
I am a XXXX and my account frozen for fraud has been a direct defamation of character. 
In XX/XX/XXXX I missed several payments and lost service to important information. 
Here is the most salient fact " USAA is in direct breach of federal banking Laws '' illegally withholding my money from me past the statue allowed time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Permanently limited my Paypal account XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Last year PNC bought my bbva credit card. I have Not received any statements from PNC. When I called in XXXX they manually generated one and said they would send more, that is the only statement I have ever received, they claim they sent them and it must be the post office, this is not believable that I would receive one manually generated statement and no others for almost one year, I have called multiple times with no resolution, I call every month to make a payment by phone only then finding out my minimum payment due. I asked for an address to send a written notice of billing errors and they claim they have no such address for billing claim errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: PA

Complaint narrative:
I just reviewed a copy of my Transunion credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.

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