vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MA

Complaint narrative:
In reference to my 1st CFPB complaint # XXXX, Paramount Residential Mortgage Group admits to making a mistake and apologizes for its actions. 

This new complaint is about the lack of steps and efforts to resolve the issue by refunding my money that's being held for no reason while they pass the blame around internally and refuse to return my excess cash paid due to their blatant mistake. ( Even the escrow analysis was premature and hastily done - 4 months is too early and seems XXXX- as 6 -12 months is the industry range ) This problem originated with XXXX jumping to do an escrow analysis only after 4 months of residency and doubling my annual escrow from {$3800.00} to {$7600.00} under the internal mistake I pay {$1900.00} per quarter when in fact I pay {$950.00} per quarter. 
They raised my monthly mortgage payment from {$1900.00} to {$2400.00} causing me undue financial stress and putting me in jeopardy of foreclosure so I had to borrow money in the middle of a pandemic and economic XXXX to save my new home. 

It took them until XX/XX/2022 to admit their mistake and returned my mortgage payment to {$1900.00} in XX/XX/2022. After multiple requests and interactions with their Compliance representative XXXX XXXX at XXXX and XXXX I'm exhausted because of the XXXX 's poor internal and ineffective inter-department & Third Party Administrator ( TPA ) communications to resolve my clearly defined customer issue that they admitted know they mishandled. 

A refund payment of {$1600.00} is owed and due to me promptly. The funds XXXX holds are from {$2500.00} I had to borrow to pay my increased mortgage due to their incompetence. I have never missed a mortgage payment or tax payment and these excess funds should be returned promptly to me as a paying consumer. Why do I have to fight XXXX to get my own money back? I am taking this to the press next as I am thru playing nice - I know my rights. XXXX should be fined for this blatant mishandling of customer processing, rights, and entrusted funds. 

It is not my responsibility to deal with XXXX Third Party Administrators ( TPAs ) inefficiencies and this situation should serve as an example of what mortgage companies SHOULD NOT DO TO THEIR CONSUMERS. I have opened this new case as I seek justice, a resolution, and ultimately - MY money refunded ASAP. 

Thank you CFPB for the great work you do for all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I made an attempt to get my due date changed because even after I pay my total bill at the beginning of the month, Im still getting a late fee. I noticed that my interest rate is going up every other month. Before XXXX took over XXXX XXXX, I didnt have a problem with bi-monthly increasing rates. I explained to them that Im on a pension and wont be able to make payments if my interest rate continue to increase every other month. I also explained to them that when XXXX XXXX had the account there were no increases in my interest rate every other month. After explaining to them about my 2 issues of changing the due date and giving me a fixed rate, they said they could not help me. So Im here trying to get a resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Good evening, We made a car reservation in XXXX, XXXX using the Chase XXXX XXXX and paid with points on XXXX XXXX this year. 

Trip ID : XXXX Traveler 's Name : XXXX XXXX XXXX Reservation ID : XXXX Car Company XXXX XXXXXXXX XXXX XXXX Confirmation : XXXX Pick Up : XXXX XX/XX/XXXX Drop Off : XXXX XX/XX/XXXX We arrived at the location at XXXXXXXX XXXX XXXX in XXXX, and the company said they didn't have the reservation on their system. We spent more than 2 hours with Chase XXXX over the phone here. The agents tried to contact the company that didn't pick up the phone and told us they opened a case in the system to provide us with a refund in 72 hours. 

The agents could not assist with the emergencyno procedure in place to take action in a situation like that. We had to contact a credit card competitor to get an emergency car for the day and the following days from the vacation. ( We will ask to use the travel insurance for compensation for the extra costs/difference price ). All the documents can be provided. 

We have contacted the Chase XXXX phone line to get an update about the refund from the car rental, and the agents need to know what's happening. According to my phone, we have made several calls with a total of over four hours with customer service and are still waiting for a resolution ( refund ). 

Today ( XX/XX/XXXX ), we received an email from XXXX asking us to provide " Example : Email from the car hire company offer the full refund, copy of proof of purchase local car hire company '' We never used the service from rentalcars.com. It may be Chase 's third party, but how we explained that XXXX XXXX XXXX XXXX didn't have our reservation at all. We didn't book a car on that day with them. We used XXXX and the following days with XXXX. 

Chase has been aware of this problem since day one, so the communication needs to be between the third-party system, the car rental company, and Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/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 2022-11-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX has not reported to XXXX and XXXX since XX/XX/2022 and XXXX on XX/XX/2022. I contacted the company this morning and spoke to the representative XXXX XXXX XXXX who stated they had a glitch in XXXX and turned off the reporting for all of their customers. As I explained to her, I could understand 30 days to fix a glitch but not four months on non reporting. She stated she was submitting the request so they can in turn report again. If I had not called and asked after reviewing my reports this would have been ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 2022-11-01 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: MN

Complaint narrative:
This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the accounts below otherwise remove them from my file : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
I ordered a copy of my report in XXXXXXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MO

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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 : {$0.00} XXXX XXXX  Balance : {$0.00} 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