vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Hi, I opened an account with SoFi recently, and had money moved into the account both checking and savings. When I tried to move money to another external account on XX/XX/2022, and on XX/XX/2022, they froze my account and told me to call the fraud department. I finally got them on the phone and they asked me very personal questions, were rude, and said they would write a report. They would not tell me when my account would be unfrozen, despite me expressing how concerned I was as I may need that money soon! I have called many times and left 2 messages over the past two days. No one is picking up or returning my call. I am extremely upset and have never had this happen at another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
TWO accounts where made with out my permission and are fraud please help me so these accounts can be removed from my credit report along with the Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I have several times tried to pay by my debit card but failed. Please check your message history. I am agreed to pay online. Please let me know why my paypal acount is limited or withheld. Why unable to pay the due. Again I agree to pay the due online. Please let me know the procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, Account name 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

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 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am writing to formally complain about the fee associated with setting up an auto draft for bi-weekly payments. 

To set up bi-weekly payments on the mortgage, the mortgage servicer ( Mr. Cooper ) charges a {$2.00} fee each time a payment is made. This fee is charged each time a bi-weekly payment is made, so monthly, the amount comes to {$5.00}. On months where three ( 3 ) payments are made, the fee being charged is {$7.00} fee. This charging of a fee to make bi-weekly payments seems like a UDAAP Violation, as I am ultimately being charged a fee to " pre-pay '' my loan with bi-weekly payments. Furthermore, this fee would fall into the CFPBs recently expanded definition of a junk fee. When past servicers serviced this loan and past servicers include XXXX, who is NOT a bankthere was not a fee for this service. 

My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably abusive to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a single monthly payment. While I understand there could be a fee if you called in to make the payment on the phone versus self-service online, the bi-weekly payment is an auto draft agreement. 

An additional consideration is that Mr. Cooper services over XXXX XXXX consumers. If we took a conservative estimate of 45 % of customers using a bi-weekly payment structure, then Mr. Cooper is easily charging XXXX XXXX of those customers the fee. Based on an annual fee of {$65.00} per customer, Mr. Cooper is netting over {$100.00} XXXX a year on this junk fee alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I get alerts that my credit scores went down and upon checking a collection debt of XXXX XXXX was reported when I called they said it was from a XXXX XXXX XXXX who was a former employee at the same company I work. Since he did not pay his XXXX bill to XXXXXXXX XXXX  they put it on my account. without my permission XXXX must have used my name, cell phone number and work number as a reference. I dont understand how this winds up on my credit score. I had absolutely nothing to do with this.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I attempted to make payment for my Neiman Marcus credit card account which is through Capital One. The payment due date is the XXXX. The system would not allow me to select the XXXX offering only the XXXX as the earliest payment date. I made the payment and received a confirmation email ( included ) on the XXXX. Upon receiving my XXXX invoice of course these scumbags are showing a " late payment '' with a " late '' fee and interest. Why would I intentionally give this crooked creditor any chance to charge me bogus fees and interest? When their system will not allow someone to select what should be the correct and available payment date how is this okay or legal?? This is the second time in less than one year I've had to file a complaint against Capital One, the last time their customer service led me on when I tried to resolve the issue through them so I won't be bothered to go that route again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I was rear end last XX/XX/2021. There was a police report and its not my fault. 
I hired the XXXX XXXX to help me because the XXXX insurance at the beginning is ignoring my phone calls. I reported the accident to the GMfinanciaL WHO FINANCE THE XXXX XXXX XXXX also to the XXXX. At first the car is at my driveway waiting for the XXXX to evaluate it. They said they have to tow it to the repair shop. I have no choice except for them to take it and be evaluated. They said it is a totaled car, the representative of the XXXX XXXX I thought is helping me for me to be protected. 
They are the one supposed to be talking to the insurance ( XXXX ) company. It took 9 months before I learned that the GMfinancial reported me that my car was reprocessed. I told the GMfinancial that the XXXX XXXX paid them {$5000.00} at first and they still took the car and told me they are going to sell it parts by parts. I told them that car got XXXX insurance and they should pay the difference. XXXX XXXX is the contact representative of the XXXX XXXX and this is the very issue why I hired them for contingency arrangement. I contacted the GMfinancial addressing why put me in reprocessed status when the insurance company should be the one taking care of it plus the law office. Im the victim and still a victim. It disturbed my routine and I can not even qualify for a loan nor refinance because of this reprocession report that the GMfinancial did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of cases below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Record XXXX of XXXX Case Number : XXXX Case Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Record XXXX of XXXX Case Number : XXXX Case Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

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 2022-05-20 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: LEXISNEXIS
State: FL

Complaint narrative:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within 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 non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I, XXXX XXXX, ( debtor ) XXXX  that Northwest Bank XXXX Northwest XXXX Bank ( creditor ) has omitted certain payments, created escrow accounts without debtor 's consent or knowledge to overestimate and falsify value of the original debt. XXXX XXXX  that the creditor with malicious intent attempted to defraud debtor by serving Confession of Judgment or a Cognovit Note upon debtor who is not a commercial consumerof real estate or property. 
Bankruptcy Case Chapter XXXX case number XXXX to Judge XXXX XXXX XXXX XXXX attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX avers, that her legal counsel failed to confer with her the alleged summary of debt as submitted and as stated in the Claim Detail entered into evidence by Northwest XXXX XXXX that the Claim Detail has several omitted cash payments and avers that Northwest attached additional altered fees and condition of terms adversely to the original debt documented.Debtor avers that Creditor failed to provide any adequate and verifiable documents of TILA disclosure as requested by debtor XX/XX/XXXX, XXXX XXXX  verbiage " Escrow '' has been omitted from filedpayment history for claim yet appears on statements of debt mailed to debtor prior to this actionThe fraudulent escrow account started possibly as far back as XXXX but as I was unaware, I can not be certain and would have to rely on a forensic audit of the original debt as requested on XX/XX/XXXX which the creditor Northwest Bank has failed to provide.Debtor gained knowledge of the creditors falsified and altered claim when speaking to local branch employee located XXXX XXXX XXXX, XXXX Pennsylvania XXXX and XXXX XXXX as the " XXXX XXXX Branch '' Debtor spoke to a young man calling himself " XXXX '' XXXX explained to debtor on the date of XX/XX/XXXX via phone conversation that an error had been discovered on my loan # XXXX in the form of a mysterious and unexplained attached escrow account of which the corporate office was said to be now working on resolving the issues of fees and penalties resulting in the attachment of the escrow account.The dollar value of the concealed escrow account is unclear at this point and I would need additional time to retrieve bank statements from XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX validate my payments to Northwest Bank in single payments on {$1000.00} or more on more than one occasion.received in cash and by debit card from XXXX XXXX  Attached is Also a receipt of deposit dated XX/XX/XXXX in the amount of {$600.00} cash at XXXX XXXX  placed at the XXXX XXXX branch yet is not reflected in the claim of payment history. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Dear XXXX, I am in the process of applying for a reverse mortgage with XXXX XXXX XXXX, and the process was moving along quite well, but there is a requirement that my current mortgage servicing company, XXXX XXXXPHH cancel an existing FHA file numbeXXXX before the appraisal can be ordered. According to XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX, EXT ; XXXXXXXX XXXX XXXX/PHH has been " Non Responsive '' to the requests for the cancellation. 

I have tried repeatedly to contact XXXX XXXX/PHH but am repeatedly placed on HOLD, hung up on, etc. 

Please help! 

By way of background, I was previously employed by Public Citizen, so I am quite familiar with your organization and its goals and objectives. I will also forward a copy of this complaint to XXXX XXXX XXXX, as well as my two Maryland Senators. 

Thank you in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent credit dispute letters to Transunion, XXXX and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express is not willing to grant any credit application based on what it believes was a violation of its policies from XX/XX/XXXX. When they lowered my credit line back in XXXX, they did not state or communicate that all credit applications would be denied. They steered me into believing that the actions were temporary and not permanent. Now they have taken the limit on a subsequent XXXX American express account that was paid off, the account balance was negative and had a credit on the account and they lowered the credit line to {$1000.00} in a response to my complaint with the CFPB. I'm being bullied, harassed, and unfairly processed as a credit applicant. 

American Express, please advise the following : XXXX. Based on the FCRA, what facts and findings do you have to permanently ban me from any credit application and now allow for any types of credit to be processed. 
XXXX. Please advise why this was not communicated in XXXX, as if I would of known I would not have had the credit damage of the application denials. 
XXXX. Please advise why a credit account with a paid-off balance was reduced out of the blue for no reason. 
XXXX. If this was an annual review, why was it not processed during the same account review back in XX/XX/XXXX as the XXXX card was reviewed. 
XXXX. Why after a perfect payment history since XXXX, are all of these actions happening? 
XXXX. Why was the letter that I mailed on XX/XX/XXXX not responded to? 


Referencing CFPB complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX I have a chase account XXXX I made a deposit and one of the names didnt sign on it. Now they are hiding my money for 2 months now.

Company response to consumer: Closed with non-monetary relief