vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I contacted XXXX XXXX XXXX to add coverage to my internal dwelling. They offered to send billing to Wells Fargo. I increased my mortgage payments and they sent billing to Wells Fargo and they didn't pay any of the bills. I filed a complaint with the insurance bureau who notified me that it is Wells Fargo who failed to comply when they received the statements. Wells Fargo has not looked into this matter because of two of their own statements. 1 ) They stated I haven't changed my mortgage payments amount since XX/XX/XXXX and you will see an attachment that clearly disproves this statement. XXXX ) They continue there isn't a valid XXXX XXXX  policy since XXXX which is false, I'm attaching an official letter from XXXX  's, as well as, XXXX  's sent a direct fax to Wells Fargo that they ignored and closed the account without consideration. XXXX  's works with home mortgage companies constantly and they send them statements and they are paid. I don't know why Wells Fargo a ) has failed to investigate this matter, b ) claims that they shouldn't have sent the payments when its industry standard confirmed by the insurance bureau who regulates these things.

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 2022-11-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase at a store in XXXX called XXXX XXXX. I was charged XXXX ( {$420.00} ) initially and told it was an accident since the price I was given was for XXXX. The store clerk then acted as if he was correcting the mistake and gave me a receipt for the new amount. A few days had passed when I noticed that I was charged incorrectly so I submitted a dispute with my bank ( Chase ) on the charge. The bank temporarily credited my account while they did the research. I didn't get a response from my bank till about 2 months later saying that they couldn't accept the dispute. I then called the bank right away and was told that I would need to show proof which they did not mention until then. I then sent them the proof in a letter which they then took about another 2 months to look over. That was when I received another letter saying that they again couldn't accept the dispute. I called and they mentioned that they couldn't accept it since it was already outside the time frame. Because the bank took so long to research the first dispute it was already outside the time frame not allowing me to take any other actions. This was also not mentioned in any of the calls I made to them at each step of the process until the final call. I would also like to add that after doing my own research, I found out that this store has scammed many others before which I thought would help in my case, but unfortunately did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
Recently noticed and inaccuracy and FDCPA violation from Caine & Weiner attempting to collect a debt that doesn't belong to me. Caine & Weiner is reporting an inaccurate date of last activity for XX/XX/2022 on my XXXX Credit Report and a date of XXXX on my XXXX credit report. Under the Fair Credit Reporting Act inaccurate and incomplete accounts must be removed or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is many inquires that I have not authorized, this might be 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 explanation
Consumer complaint received 2022-11-16 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 belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
my information was stolen and used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/22 {$460.00} was taken out my account, the wrong claim was made many times by PNC employees now no one I talk to will help me recover my money they keep hanging up in my face and all I want is my provisional credit, a representative by the name of XXXX promised an expedited process for the credit and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I am not liable nor do I have any ties to the company National Credit XXXX XXXX. I have asked for Orignal application and the have not provided it to me. I have been harrassed by this company through phones calls. 

They have violated my rights according to 15 U. S. Code 1681 section 602 A. States i have a right to privacy.

They have harraseb me by calling from different phone numbers. According to 15U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello PayPal team, my account can not be linked to bank and withdraw money, please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used my XXXX credit card to send a Venmo payment ( Transaction ID : XXXX ) to a friend on XXXX in the amount of {$100.00}. The transaction was a duplicate so I disputed it with the credit card company. In response, Venmo retracted the funds from the payee while the dispute was resolved. XXXX closed the dispute on XXXX and indicated it was a valid transaction and left the charge on my credit card. Therefore, the {$100.00} should have been returned to the payee. Venmo has not returned the payment and has kept the {$100.00} XXXX with no recourse. I have tried contacting them multiple times and they have not provided a path to resolution other than saying they will review it. It has now been over 2 months since the dispute was initiated and over 2 weeks since the dispute was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: MI

Complaint narrative:
There is many inquires that I have not authorized, this might be fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is many inquires that I have not authorized, this might be fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: MA

Complaint narrative:
I received a call regarding home loans and how they work. Then I received a second call and they told me that my score was XXXX which I confirmed to be true. However, I never agreed to them processing an inquiry.

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 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: KY

Complaint narrative:
on or about XX/XX/2022 company was contacted in regards to accounts in dispute. and was requested to remove all incorrect address as the only address should be XXXX XXXX XXXX XXXX ky XXXX furthermore company states that accounts come back as verified by reporter of the information but when advised that company who reported information has failed to respond to request for account level documentation and verification of account company allows information to remain,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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:
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXXmber : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I worked with XXXX and the debt collector my account was sent to ( national credit adjuster ). But my complaint isnt about them but about a call from a number who refused to all identify their self. The number is XXXX ( XXXX ) XXXX. They said theyd have to collect upwards of XXXX bucks and if i didnt comply then i can be sued by XXXX and have lien placed on my vehicle. Luckily, I am diligent enough to do research before making any payments and I called XXXX which directed me to National Credit adjuster, who i made arrangements with for payment. They did inform me that it might have been an attempt to scam me. I am not sure if this process is the way to go, but I dont want any being defrauded by crooks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- The XXXX XXXX XXXX Account # XXXX Account Name- 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, 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 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 2022-11-16 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX  # XXXX Account Name- XXXX XXXX Account # XXXX Account XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX  Account 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, 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 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 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a new online savings account with Discover. On XXXX, I initiated trial deposits, originating from my Discover account, to link an external savings account ( w/ XXXX ). After verifying those trial deposits, on XX/XX/XXXX, I scheduled an XXXX transfer of {$35000.00} from my external savings account via the Discover portal. This was primarily done to meet an opening bonus requirement advertised by Discover. On XX/XX/XXXX, I could see the XXXX deducted from my XXXX account, with pending availability in my Discover account. On XX/XX/XXXX, Discover informed me that " we noticed unusual activity on your account. For security purposes, we have suspended access to your account ''. 

I tried contacting Discover 's fraud department on this issue, and after an blind transfer an agent informed me that the account was suspended pending additional verification. After multiple attempts, we managed to get on a conference call with a rep from my external bank, who was unable to provide Discover with the information they wanted due to a system outage. 

I've had a checking account with Discover since XXXX that has always been in good standing. I'm a long term customer, and there is no realistic risk here. At present, my existing checking account ( completely unrelated to the transactions described ) and new savings account remain frozen and all funds held with them, including the {$35000.00} have effectively been stolen. The agent informs me that my funds will not be released until XXXX discloses whatever information Discover 's internal fraud policy dictates and that it is my responsibility to coordinate a conference call between both banks. I have no idea how any of this is legal, but if Discover has a policy whereby they are happy to initiate large transfers of money, it seems absolutely ridiculous to subsequently hold that money XXXX and freeze all accounts that are held with them after the fact. This is especially the case when they are advertising to customers to transfer those large sums of money. If potential fraud is suspect, customers should be warned of a problem before they initiate a transfer. Critically, a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line, the onus to validate said policies certainly shouldn't fall upon customers. 

I just want my Discover accounts to be unfrozen. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My spouse is a member of the United States XXXX and I am a nurse. Our family was affected by XXXX and I had to reduce my hours/take time off work because of XXXX related circumstances. We were unfortunately unable to make payments on our mortgage. When we first contacted our mortgage company about what we could do, we were never told or made aware that they could change/modify our loan towards the end of this. We had a fixed interest rate for XXXX years at 2.25 % and now they want to increase/modify it to 6.75 % and or pay the outstanding balance. I feel like this is an unfair situation and I understand the mortgage company trying to reclaim the debt, but when we first spoke to rocket mortgage the consensus was that the interest would stay the same and the amount owed would be put towards/added towards the end of the mortgage. Because what was the point of the Cares act then? People are currently not purchasing homes because of the high interest rate and rocket mortgage now wants to put us into another unfair situation by modifying our loan at the current market when our interest rate was fixed. I think its absurd and borderline a scam that they're doing this to thousands of families. They're basically saying pay the balance off right away or we modify your loan to absurd rates.

Company response to consumer: Closed with explanation