vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX this person told me they would help me with my rent via a fund a friend XXXX group ( a group that people post needs they are in need of ) and this person took my money and blocked me. This person was supposed to pay my rent via my rent portal but it rejected a few days after and they blocked me and they wont return my money. I sent this payment via PayPal and they have the email address of the account it was sent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: TX

Complaint narrative:
The bank put a restriction on my account for suspicious activity I called the bank they said they should lift the restriction within a week. Its been going for XXXX weeks now and XXXX cant access my funds. Every time I call they give me the same answer whichs wait for an email with further instructions I really need help resolving this or Im going to end up in the street because I have t paid rent Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION
State: CA

Complaint narrative:
Several months ago, our corporation obtained a loan from Banner Bank for our business. They agreed on an interest rate and term and then proceeded to tell me that I needed to have a checking account as well. Not to worry, the checking account was to be free. Fast forward to XX/XX/2023 when they began charging a monthly fee for the checking account. I disagreed and decided to close the account. They have threatened that the loan for our business will increase by 1 % even though the checking account is used in no way to support or pay for the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-07 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: CA

Complaint narrative:
Hi, My Experian credit has had my address changed to the wrong address. I've tried to resolve this through the Experian website to no avail. 
I've been down every rabbit hole on the site trying to find an email to a phone number where I can resolve this matter but the phone menu does not have a choice for address change nor the ability to connect you with a human. The website informs me when I try to create an account that my email address is already taken and Experian does not recognize my phone number for password recovery. The Experian website basically just tries to upsell you more credit reporting products, of course for a " reasonable fee ''. 
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 explanation
Consumer complaint received 2023-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Last year 2022, I had someone help me with my credit and they asked me to call Montgomery Wards and find out why they still had me on my credit report. 
I had called Montgomery Wards between XXXX - XX/XX/2022 and I asked they why they still had me on my credit report, because I need received anything from Montgomery Wards. They should the same thing and I had requested them to send me a letter stating that they would take me off my credit report. I went to go and try to get a house this past weekend and Montgomery is still on my report. I don't know what else to do to get them to come off my report. I need some help from someone or need some advise. Please! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase ; I spoke with two representatives both on the phone call on XX/XX/XXXX. I included my friend on the speaker phone call as a witness. It was a futile exercise. They denied all of my questions. 
Chase bought my mortgage as of XX/XX/XXXX. My on time payment history is excellent. I paid {$1700.00} for the past 6 years until Chase bought my mortgage. 
On XX/XX/XXXX I received a bill from Chase stating I had a " shortage of {$3500.00}. '' They attributed this to a XXXX escrow analysis based on a projection of future taxes. I had already checked with my town tax office and they said they don't know what the taxes for 3rd and 4th quarter will be until XX/XX/XXXX. Chase however used older and higher taxes to put on the lines for 3rd and 4th quarter. They said their policy is to always have two ( 2 ) months total escrow on hand. This is a " policy '' I was never notified of, nor was it in the " Welcome to Chase '' package they sent in XXXX, XXXX. This one-year in escrow advance and an arbitrary property tax increase is questionable and unacceptable to me. Today is my XXXX birthday. They gave me 3 options : 12 months spread of {$2200.00} as of XX/XX/XXXX ; # 2 pay shortage of {$3500.00} " and adjust my monthly mortgage to {$1900.00} as of XX/XX/XXXX. # 3 pay part of the shortage. I understand that the rest of the shortage will be divided evenly and added to my monthly mortgage payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase has changed an email in my account to there own : Chase@chase.com without my permission or consent without any commination. I did not request or authorize this change

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
This is not a know debt collection company to me and has been reported as fraudulent online. 

They have contacted me from multiple different phone numbers 5-10 times a day until XXXX. They are harassing me at this point and I have no clue who they are or what personal information they have. 

I have blocked 3 of the phone numbers to stop the repeated calls but they keep calling from different numbers that all say CBE group. 

This is now the 4th number they are calling from and will call once an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX CO XXXX XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Reported XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Trying to figure out different payment options fell behind on my car due to XXXX XXXX. Family tried to take care of it wouldnt let them been away for 3 months.

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 2023-08-07 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: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TN XXXX This company has reported that I have a loan with them that is currently 90 days past due. The loan was issued via a " Live Check '' that was signed and deposited into someones bank account. 

I have not signed any checks or have had the funds deposited into my account. I contacted the company on XX/XX/2023 to explain this. They verified that the social security number that was written on the back of the check as required, did not match mine. They said the only way I could get it removed from my report was to have the person who cashed the check and deposited into their account, come to their office with me and tell them they are the one that signed and cashed the check. 

I also disputed this with XXXX and they said the debt was valid when it is not. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 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 - 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is regarding my Capitol One Credit Card. On XX/XX/XXXX, I set out on a mission to purchase a luxury bag for my wife. Went from XXXX Washington, where I reside, to XXXX Oregon. I picked out the handbag at a XXXX store and got flagged for fraud. I called the customer protection team and they were taunting and asking me disgruntling questions avoiding helping me. Eventually I gave in and drove back home to attempt the purchase online. On XX/XX/XXXX I once again attempted to make the purchase online and it was successful ( or so I thought ) and a couple of days later I get a cancellation alert in my email saying it was flagged once again. The email was received on XX/XX/XXXX XXXX XXXX. I re-attempted the order for a different bag online. This time it was for a XXXX bag through its website and got a text message from the bank to call in order to get the fraud hold released. I called not once but thrice and every time the machine said it may be recorded for blah blah etc the call dropped. I called the direct bank phone number and it was just dead air for minutes. This is discriminating and arbitrarily illegal and requires immediate attention. I have plenty of money and have authenticated properly. 

My email is XXXX My personal number XXXX is also the primary phone number on my bank account I look forward to this being thoroughly investigated, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PR

Complaint narrative:
this company we have been in misundestanding since they bougth our loan from another company we have called many times in the past XXXX years talked to so many people no one knows anything and we have to explain again and again we have all in good standing since we were on XXXX  XXXX but they always sending charge or payments for us to make besides regular monthly payments they dont have solutions only harassment we have explain them with evidence we visit an oficce here in PR with evidence so many times they keep calling us harassing us and its been 2 years and nothing its been done since nobady follow up or dont know .well this is puting us on a XXXX XXXX XXXX XXXX and we dont know what else to do we dont owe them anything but regular payments which are made month over month, they have not even told us what its the reason or from where was the origin of the money they say we have to pay we are really tires of this cpmpany know they are sendin certified mail on and on from a legal firm of attornies harrasing some more we nned help to prove with evidence that we are in good standing and that they have something wrong this company work very agresive as a lender company anybody call without the info to charge us in every call we are tired of explaining

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, COMENITYCAPITALXXXX Inquiry XX/XX/2021. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle Peak Mortgage, LLC
State: TX

Complaint narrative:
I had applied for a VA Home Loan through Castle Peak Mortgage and after finding a better loan, requested that Castle Peak Mortgage ( former lender ) transfer the appraisal request of my new property to my current lender XXXX XXXX Upon the request Castle Peak insisted I pay for the appraisal before initialing the transfer. Castle Peak had not prepaid for the appraisal and it it not required that the appraisal be paid for before transferring. I was informed this was a company policy. 

I would like to point out that in accordance with Lenders Handbook VA Pamphlet 26-7, Revised Chapter 10 : Appraisal Process, Request from the Veteran to Change Lenders, Lender Responsibilities states : Lenders are expected to cooperate when a Veteran decides to change lenders. The lender who ordered the appraisal must transfer the case to the new lender when requested by the Veteran in writing ( including email ). An appraisal report and case number XXXX be transferred to another XXXX lender in XXXX XXXX XXXX XXXX of the original lender. The new lender should provide to the Veteran, their email address, phone number, and VA Lender ID number to be included in the Veterans letter to the original lender.

To my knowledge Castle Peak has not responded to my request to transfer the appraisal. Additionally their refusal to cooperate with me XXXX extend my closing date and place my home purchase and jeopardize my current loan rate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
While reviewing my XXXX  credit report, I noticed two installment loan accounts that did not belong to me from Acima Digital FKA Simple Acct # 's XXXX for {$5000.00} opened XX/XX/XXXX and XXXX for {$4700.00} opened XX/XX/XXXX. I have never conducted business with this company and never provided my personal information. I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief