vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: OH

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I received a call regarding my prior complaint from XXXX. According to XXXX, Nationstar is servicing a loan on behalf of rightpath servicing, and XXXX does not know if I am on a new note which I never signed. I received a foreclosure letter with XXXX listed, but the letter did not come from XXXX, I was told. The Current mortgage is with Nationstar and rightpath, i was told by XXXX, but, they do not know who owns the loans. Nationstar stated that a private investor owns the loan and that this private investor will not speak with me to work it out. I never received contact information for the current lender from rightpath. 
As of today, XX/XX/XXXX On the settlement statement its only XXXX XXXX name and XXXX said that they would download the original documents to their website for me and my attorney to review. The Mortgage deed has both names, according to XXXX XXXX CEO office will send the documents to XXXX for me. 

The lender has to talk with me if Im on the mortgage, XXXX said. Im on the deed. Im on the title. And all other documentation when the loan was taken out will be sent to me .He doesnt know if there is another note out there. They have info from XXXX. 
Im not on the note. The only note he could find shows XXXX XXXX only. That was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX i received a refund check from my college in the mail, and i went to deposit it to my bank ( chase ) on XX/XX/XXXX. they told me the funds would be released on XX/XX/XXXX. then my account was held because they couldnt verify the phone numbers that was on the check & the customer service number due to it not showing in their system. i reached out to the bank that sent me the check and they said those are the only XXXX numbers that can be used to verify the check, weeks go by and still chase couldnt verify the check. They closed my account and said that since they couldnt verify the check, that the funds would be held in the treasury for XXXX  years and it would be sent back to the maker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On the day of XXXX  Santander Consumer USA sent a receipt that they received initial letter of rescission but did not lawfully return all payments back to me within the 21 days given from their notice. Pursuant to 15 USC 1635 ( b ), this is default and shall allow me to exercise my necessary right to arbitration to seek relief for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My car was repossessed today by Wells Fargo. I did not realize my loan was 3 months behind. I thought it was coming out of my bank account. I did not check bank account as I and my husband have been very ill, my husband being XXXX and can not XXXX  and I was not able to. Today at repossession I tried to get into my account and couldnt. They did not have any paperwork to give me, but the gentleman who was repossessing my car told me he would call the police. I am XXXX XXXX XXXX and was very afraid I would be arrested if I didnt give my car over to him. Now I am faced with insurmountable charges and I fear they will take my car. I believe this is what they want, my car. What can I do. I have never had this happen to me in all these years. I am afraid. Wells Fargo agents said they sent communication that this would happen but I never received anything. Can you help?

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 2024-01-02 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: NY

Complaint narrative:
The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/, however, they sent me a bill as proof dated XX/XX/ with the address XXXX passing it off as an official piece of mail, but its not. Its XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/2018, however, they sent me a bill as proof dated XX/XX/2018 with the address XXXX passing it off as an official piece of mail, but its not. Its 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 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I went to have a procedure performed on XX/XX/23 at the XXXX XXXX XXXX XXXX in XXXX IL, XXXX. I previously had x-rays, and a deep cleaning performed at a diffrent location a couple weeks prior to this appointment. I gave them my scan for my teeth that were missing and a copy of procedures that needed to be done for my teeth so that i want get charged extra and provided documentation.They then looked at my teeth, told me I needed upper partials and lower partials. I agreed to pay {$2500.00} for upper and bottom partials no x-ray needed no cleaning performed. I wanted metal partials and it was documented, but when I went to pick them up they were plastic. I informed them these weren't what I ordered that I didn't want them, and I was told my insurance wouldn't cover the replacement for the ones I ordered because they were already made. I was told I had no choice but to keep them. I then contacted Care Credit and disputed the charges because I never signed for plastic dentures they were suppose to be metal, I never got a cleaning did just a scan of my mouth, that I was charge extra for procedures I didn't recieve, and I sent over proof to Care Credit to prove my reason for dispuuting. I never recieved a response back from them. I later found out after disputing the charges from this dental office that they sent an email imforming me that they are closing down immediately.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Birchwood Credit Services, Inc.
State: IL

Complaint narrative:
XX/XX/2023 and XXXX XXXX XXXX 

I have called and sent email them but nobody answers,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: E Mortgage Capital, Inc.
State: OR

Complaint narrative:
On approx. XX/XX/XXXX. I reached out to E Mortgage Capital for a quote. I received a quote and went back an forth with a gentleman names XXXX. There was some misunderstanding on his end and I ended up reaching out to his supervisor. His supervisor who's name is " XXXX - XXXX # XXXX, # XXXX " took over the request. After going back and forth with XXXX, we finally came to an agreement and signed documents moving forward. 

I was very responsive and quick on any requests XXXX and his team made to make my loan process go as smooth as possible. I had little communication from him, no calls back when he did inform me he would call me back. Many of the times I did call him, I was joined in on a three way call with another one of his clients. I hung up multiple times therefore I was not hearing personal information from another client. This happened on multiple occasions. 

I signed closing documents on XX/XX/XXXX. This quickly changed. They stated that my documents were not going through due to some other issues with XXXX XXXX This included a credit dispute that was on my acct. I ran around in circles to get it resolved. After over a week going to my bank, calling the XXXX number to get things taken care of. I was assured by XXXX and his team that this would get my loan pushed through with no other changes. Note, this is well after me signing my CLOSING documents. After getting this taken off. My credit then was XXXX points higher than previous. I was then informed by XXXX that my loan does not qualify and I would need to come up with 5 percent down instead of the 3 percent that I signed for. He ended up working up the loan multiple different ways and informed me he would be waiving all fees for his underwriting to get this done. After going around and around, I supplied him with documents supporting more income from my kids ( survival benefits ). This ended up getting the loan pushed and authorized. He at the end did not waive his fee as he stated and still charged me. 

XXXX had made multiple comments about how much he makes, how much I am " Winning '' by getting house and that it would pay off. He ended up also stating that a lot of other " lenders '' would of dropped me and moved on due to bigger deals out there and that my deal was " minor ''. I am absolutely infuriated by how I was told multiple times the loan terms and agreements, got all the way up to my closing date and the loan terms then changed ( after closing documents were signed ). 

My closing date was missed. I had to come up with over XXXX more than what I was originally quoted and signed for. 

I am more than happy to speak to someone regarding this in more detail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
XXXX XXXX is clouding my credit report. When I contacted XXXX XXXX, they said, I do not know owe the balance being reported but that they report this amount as a default amount. Rep for XXXX XXXX also says, we, did not tell the debit to collect to collect this amount. So, this is so sort of cash grab, I dont know how XXXX XXXX XXXX received social security number either. I never applied for credit with XXXX XXXX. I dont owe them anything.

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 2024-01-02 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: Klarna AB
State: AZ

Complaint narrative:
I have submitted several requests online for Klarna to close my account and delete my personal data, all of which have been ignored. Every time I reach out to support, the agent advises me to fill out the form and a specialized team will get back to me via email. No one from support has ever been able to give me an update on the status of my current requests or even see that they were submitted at all. At this point, Klarna is refusing to delete my account and my data, which I am entitled to. Klarna needs to immediately delete my account and my personal information as requested for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
We had the house for sale. We needed a solid dollar amount & had to request a payoff statement. To my surprise it was XXXX  dollars more than listed on the payment statement for XXXX. That was good for 30 days. However, there was verbiage in that statement the attorneys & bank questioned. It related to additional charges that may be added. That statement did list charges which would be due. The attorney requested in writing that once funds were received the mortgage would be released & the lawsuit dismissed. The first date the payoff statement was good through was XX/XX/XXXX. Had they given us what we needed we could have closed before then. As a result, I had to request another payoff statement which added yet another XXXX  dollars. That quote was good through XX/XX/XXXX. Once again, they would not give us that written statement and the date we could have closed has again passed. Our realtor has communicated with both attorneys as well and I have placed calls and emails to PHH all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Ive been receiving letters from Shellpoint Mortgage for several months stating they require proof of insurance. Ive provided proof of insurance each time, as well as called them to confirm receipt. Each time Ive called ( 6+ times ), they have confirmed proof of insurance receipt and that our account would be updated, and that we would not be charged. However, were still receiving letters and are now being charged an additional {$1200.00} each month. This is harassment and these charges are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-02 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2024-01-02 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: PA

Complaint narrative:
XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXXXXXX This Information is Incorrect 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 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 2024-01-02 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal items from my credit reports.

Company response to consumer: Closed with non-monetary relief