vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: CO

Complaint narrative:
XXXX ( Equity Prime Mortgage ) mortgage transfered. Imposed higher monthly payments of {$1200.00} from original contract payments of {$980.00}. XXXX notified me in XX/XX/XXXX. That they made an error of not posting escrow funds ( monies ) therefore, my monthly payments increase to {$1200.00} ( a {$200.00} ) monthly increase now after they transfered my Mortgage to XXXXXXXX XXXX on late XX/XX/XXXX. I have made the {$1.00} XXXX payment already. But want to dispute why XXXX did not inform me way in advance that my payments were going to increase, and why their transfered letter stated no changes in the transfered to XXXX XXXX. I'm very displeased with this situation.

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 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase through the retail website XXXX. It was a ring for my wife. I purchased it using my Apple Card. When I received the ring, a diamond was missing. I contacted the retailer ( in XXXX ) who said they would repair it. After a brief exchange back and forth with the retailer, I was told they would send a shipping label so that the ring could be shipped back and fixed. The retailer stopped communicating with me at this point. 

In XXXX of XXXX I initiated a dispute with Apple Card to have the {$740.00} refunded noting the retailer sent me broken merchandise, agreed to repair/replace it, and then stopped communicating. 

After a few frustrating interactions with Apple Card " customer support '', I paid my balance off in full of XX/XX/XXXX and closed my account. 

I have also had to re-dispute this transaction approximately eight times because Apple Card keeps finding the dispute in the retailer 's favor citing that I have not provided enough information for them to substantiate my claim. 

At the request of Apple card, I have sent the communication between the retailer and I as well as pictures of the damaged ring. I have sent this information in four times at the request of Apple Card because they said they can't see it in their records even though it shows that I sent something in. I have spoken to 12 different people, several supervisors who, at the time of the call, reassured me that it makes sense that the dispute would be in my favor and that I have provided more than enough evidence.

When I asked to speak with the person in charge of my dispute resolution I have been told they are not available.

I worked very hard to give Apple Card the information they requested half a dozen times and was reassured by managers that the information was received as well as should be more than sufficient to substantiate the dispute. I have no way of contacting anyone out side of their customer service phone number and can't get a response to the " findings '' that I receive via email when I try to communicate that way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: OK

Complaint narrative:
In the summer of 2022 a dispute arose from fraudulent transactions on the account in which Discover had temporarily reversed. Discover also sent out a new card and there has been no issues of fraud since that time. On XX/XX/XXXX, I received a call from a Discover fraud investigator, asking a series of leading questions, lying in some circumstances and indicating what she was going to do. She was also trying to get me to admit that I myself actually made the purchases that had been claimed as fraud. I refused to admit such an absurdity. Furthermore, the next day, Discover had charged back the following transactions to my account : 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 I called Discover yet again, the Fraud Protection Unit then sent me out an Discover Affidavit to fill out and send back to them. I did so and they now refuse to honor their own affidavit they send out to their customer as the police refuse to investigate such a case.

Lastly, Discover has been very rude and aggressive on the phone, not helpful, and not willing to resolve the issue amicably. The result of the these chargebacks has put my account over the limit as well. I have continued to make the minimum monthly payment until I can get this issue resolved. Discover has refused to make any adjustments and blamed me for the charges. I do not have a copy of the affidavit as it was an original affidavit with the Discover letterhead on it. Discover has indicated to me that they in fact have received such document from me. ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-02-13 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: VA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Marcus Bank closed my savings account after I withdrew my CD 's and immediately sent the remaining balance to the Mass Revenue Department. 
I never received an escheatment letter informing of what happened to the funds, only that the account was closed. I had to call to find out this information.

It's now been over four months trying to collect my money from the state, however they will be happy to help if I had the escheatment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had XXXX accounts with comenity bank. 

Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX went out business and comenity closed the account instead of converting the account. No options were given and credit bureau was notified of this closure by comenity in which there was a negative impact on my credit report. 

Card XXXX XXXX XXXXe of credit XXXX. Comenity issued line of credit and card before I received the physical card in the mail comenity closed the account staying to many inquires after the application was already approved account open and card in the mail. Comenity reported the close to credit bureau cause a 2nd negative impact ti my credit score and rating. 

I feel these practices are completely unacceptable.I am very destroyed by this unacceptable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESBANCO BANK, INC.
State: MD

Complaint narrative:
We closed on our construction to perm loan on XXXX XXXX XXXX with Wesbanco Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Office : XXXX Fax : XXXX. Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reached out to inform us that she was putting our package together to send off for our building permit and she reviewed our draw schedule numbers against the estimate numbers we signed off on in XX/XX/XXXX and noticed a $ XXXX discrepancy. In several attempts to work with Wesbanco to determine where the discrepancy lies to no avail. After multiple conversations and email exchanges with our builder rep, real estate agent, and the real estate contracts XXXX all analyzed the information and documents only to come back to Wesbanco needing to verify some information ( see attached ) which they have not been able to do to date. Below are the questions we have been asking Wesbanco for weeks now and they have not been able to verify or deny : XXXX. The lot contract was for XXXX XXXX XXXX for {$140000.00} ( your attached appraisal says the purchase price was {$150000.00} ) do they have something showing how you got the purchase price information? 

XXXX. The construction contract between ourselves and XXXX was originally for a property on XXXX XXXX with a price of {$800000.00} ( this is the same amount as the XXXX XXXX mentioned in your " Contract '' information on this appraisal ). Does WesBanco know how it was missed that the property reference was wrong for the construction contract vs. the property they were appraising? 

XXXX. The construction XXXX had an addendum that happened after we went under contract for XXXX XXXX XXXX ( but before the appraisal date ) that updated the construction contract property reference AND updated the options. There was an additional cost of {$23000.00} with the XXXX XXXX contract. We need to verify if it is correct to assume the appraiser didn't have this list of upgrades/features when doing the appraisal. And, if not do our upgrade features affect the appraised value? 

In addition, we have asked verbally and in writing for a copy of our full consumer file from WesBanco and Wesbanco has not provided the file documents to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXXXXXX US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 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 2023-02-13 00:00:00
Product: Credit card or prepaid 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: UPGRADE, INC.
State: DE

Complaint narrative:
I saw a charge for {$1000.00} on my card that I did not make. I immediately called the CC company and told them about the charge. I canceled that card and got a replacement. A few days later I found on my porch a box of strange pneumatic tools. The packing slip said that they were sent from a company in Florida, and sold to a company in XXXX, DE but for some reason shipped to and billed to me. When I called the company in XXXX, they said it was part of a scam using stolen credit cards. I immediately contacted my CC provider and asked them : What should I do?. They never responded, but a short time later they emailed me refusing my dispute. The reason they gave was that I received these weird pneumatic tools. I told them it was a drop ship scam and the other company involved, in XXXX, had already been reimbursed on their end, and were willing to talk to my CC investigators, but they reuse to talk to me any further about it. My CC provider could NOT have investigated this at all since one of the two parties on the packing list from the shipment said it was a scam. ( I did send a copy of the packing list to my CC provider when these tools came. I work three jobs, six to seven days a week, I can afford to be ripped off for {$1000.00}!! Can you please, please help me out? Thanks very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
During the transition of the BP credit card from Synchrony to XXXX, I made a payment of {$120.00} on XX/XX/22 to Synchrony. While the balance on my card was transferred over to XXXX, that payment was not. I contacted XXXX first asking about the missing payment and was told to submit proof of payment which I did. In following up with XXXX, I was told theres nothing they can do because Synchrony is refusing to work with them for all customers with this same issue. I called Synchrony and they just transfer me back to XXXX. WHERE IS MY PAYMENT? It cleared my bank on XX/XX/22 but neither company claims to have it or be able to resolve it and return the 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 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been trying to dispute this debt that I have nothing to do with for the past 5 yrs. I have spoken to the collections company and asked them to verify that the debt is mine, but none was ever sent, all I get is these annoying phone calls from them and it's on my credit report. I would like it removed from my record. If you look at my report I am only acknowledging my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX thats it!. And all of them are in good standing and no problems. I have disputed this debt using XXXX 2 times because when I call the collection company to ask for proof i get nothing. 
I would like to have this debt removed. 
I don't know if this has something to do or done by the same individuals that emptied out my bank account back in 2008 or something I don't recall the date but it's with XXXX XXXX XXXX XXXX XXXX. The bank acknowledge fault and refunded my money because of a breach or leak of information, I am not aware or was informed on how it happened. But since then I closed that account and rarely use my credit card. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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