vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Okay our mortgage payment was {$1100.00} a month then for some reason months ago they sent us a letter stating our mortgage payment went up to {$1900.00} said our escrow account was short so when we called to find out what happened they told us that our taxes must have gone up so I called the town and town said our taxes only went up {$100.00} so we called them back and told them that wasn't the case the town told us that the Taxas hadn't been paid in XXXX and that year we were with XXXX  mortgage freedom bought us and paid XXXX and XXXX together so we were all caught up in my opinion they didn't do their due diligence when they closed on buying our house mortgage to make sure all the taxes were up to date now they're trying to push it off on us saying we didn't have enough in the account but when our account was set up it was set up to cover everything so when I contacted the company freedom mortgage I finally got somebody to look into it I kept calling back to find out what they found out and they said they couldn't get a hold of anybody at the tax place this went on for about 2 weeks finally I got mad and told them I'm going to get a lawyer and I have them straighten this mess out this is not my fault I have a escrow account for this reason and somehow you guys screwed up and trying to put it on us we have overpaid them {$3700.00} and the reason we know this is because we just got a hold of somebody that said that that is what we overpaid and they were going to look into it again this time when I called back they told me there was no overage and then we had to keep paying the the higher amount it seems like every time somebody looks into it and figures out what's going on the next time I call to figure out what where everything is at that person is no longer there and I have to start all over again this is getting tiring now they sent me foreclosure information so we had to do what they call a trial payment plan make three monthly payments on time and they'll put the next three behind in the back of the book I don't think this is fair because we did nothing wrong from the get-go it's screwing up my credit and I'm not happy about it I'm hoping you can help us really can't afford a lawer at this point and I forgot they told me not to make any payments until the trial payment plan was in place but took {$500.00} and put it in what they call unapplied funds

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 2024-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Companies have failed to protect my personal private information as the consumer, see attached.

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 2024-05-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Companies have failed to protect my personal private information as the consumer, see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Companies have failed to protect my personal private information as the consumer, see attached.

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 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
A correspondence purporting to allege a debt claimed by : RAS LaVrar , LLC A written notice was sent as a response to RAS LaVrar , LLC to their Fair Debt Collection Practices ' Act notice that RAS LaVrar , LLC are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 

The notice also Demanded that RAS LaVrar , LLC " cease and desist '' collections activities prior to validation of purported debt and that XXXX XXXX, XXXX must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AR

Complaint narrative:
I am writing because I requested a copy of my consumer report from Lexis Nexis. I called and spoke with someone from Lexis Nexis on XX/XX/2024 and was told that I would receive my report within a few weeks. This is the second time I called requesting my report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name XXXX XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXXXXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation. 

Thank you for your prompt attention to this matter.

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 2024-05-18 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: Pendrick Capital Partners
State: OR

Complaint narrative:
XXXX Capital Partners has not responded to inquiries to their email address. 

A prior credit collection firm of Pendrick Capital Partners is named on their single-page notice, and it has never contacted me. 

The provider of the service, XXXX XXXX XXXX, has never provided a statement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
A correspondence purporting to allege a debt claimed by : Zwicker & Associates, P.C A written notice was sent as a response to Zwicker & Associates, P.C to their Fair Debt Collection Practices ' Act notice that Zwicker & Associates, P.C are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 

The notice also Demanded that Zwicker & Associates, P.C " cease and desist '' collections activities prior to validation of purported debt and that Zwicker & Associates, P.C must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting 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 do not recognize these credit inquiries and I have ask for them to be removed but the bureaus did not do as I asked I am providing a identity theft report from my Experian and I am requesting the inquirys to be removed because they are inaccurate and not mine.

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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation.

Thank you for your prompt attention to this matter.

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 2024-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have one late payment in XX/XX/year> beginning of the COVID 19 pandemic. I spoke with the company before and they said they would remove the late payment but it has not been removed. Please remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX XXXX, I was in a different country traveling for vacation and visiting friends. On XX/XX/XXXX, I got drugged and taken to a different part of town where my phone was stolen. After hours of finding my way back into my airbnb, to find out my emails and bank accounts have been compromised. Next day I reported the fraud to Wells Fargo to stop the bleeding. I didnt get a chance to look at my bank account to verify what they took. Until I got back this week, got a new phone and went into the bank to regain online access again. The provisional credit I was given was smaller than what I had originally before the incident. I am short {$3300.00} because the XXXX amounts they assumed it wasnt fraud and thought it was me doing it but it wasnt. All transactions on XX/XX/11 I did not authorize those. Im a little disappointed especially being a long time customer with Wells Fargo. XXXX to XXXX is somebody else trying to XXXX money to themselves. I will email them more documentation for proof. Also Ill attach documents here to prove my case on Saturday morning XX/XX/11 my phone was stolen and everything was compromised. When I got a new phone and used my old number, I see XXXX XXXX payments being sent out and XXXX. XXXX is also linked into this but is currently under investigation still.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
On the date of XX/XX/year>, I received a direct deposit from XXXX XXXX in the amount of {$5000.00}. Per the terms and conditions of the {$300.00} direct deposit promo bonus, since I received a direct deposit of at least {$5000.00}, therefore I should have received from SoFi a promo bonus deposit of {$300.00}. The complaint I'm submitting is that I have not yet received the {$300.00} bonus. I had promptly reported the issue to SoFi and the agent I spoke within in chat session agreed that the matter would be escalated up for a resolution to fix the coding tag on the XXXX XXXX transaction in question so that it would be correctly identified as a direct deposit so I can get the {$300.00} bonus I was expecting. When I periodically contact SoFi in chat session to ask for a status update, I am only told that it is still being worked on which I doubt is accurate at this point. Also note that all other banks I've used that receive the XXXX XXXX deposit have consistently recognized the deposit as a direct deposit without issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I purchased 3 dresses from XXXX on XXXX for {$420.00}. I received the items in unusable, unwearable condition. They box and the items soaked in some toxic smelling oily substance. Aside from that, the dresses were made of cheap garbage, unfit for wear. I spoke with XXXX, and they tried to give me a partial refund of {$90.00}. I refused as that was not reasonable. Goldman Sachs sided on the company 's favor stating that because I refused the partial refund and did not ship the items back I was at fault. I refused to ship the items back to XXXX because XXXX was making me pay return postage for damaged goods all the way to XXXX. XXXX refused to guarantee me a refund at that point stating that " Upon receipt of the package, the item ( s ) will be inspected for signs of wear or damage prior to any refund ''. I was not comfortable with this arrangement because I already showed them that the items arrived damaged. It was a trap, a trap that I was asked to pay return postage for. I refused to agree - as anyone would. I would've been left with no proof and down even more money because XXXX showed me an outrageous quote to ship to XXXX. Goldman Sachs has refused my disputes 2 times and I have a third pending claim open right now.

Company response to consumer: Closed with monetary relief