vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX as always taking way longer than 30 days this is illegal and I want to file legal actions.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I got a new credit card with XXXX XXXX XXXX, all is good, but when I went to register my card on the app to make payments, it had me set up an account. It DID NOT just open an account in order for me to view/manage/pay my account balance, it ran my credit AGAIN and added ANOTHER inquiry. I did not otherwise for them to run my credit twice.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
This is about a Consumer Credit Transaction initiated on XX/XX/2023 with Indigo financial institution executed by the way of signing an Agreement ( Document ). 
As per 15 USC 6827 ( 3 ) The term document means any information in any form.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for the right to opt out of certain sharing. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, this institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX & XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX and XXXX are nonaffiliated third parties and this institution has violated the provisions of 15 USC 6802.

This institution has also violated provisions of FCRA ( Fair Credit Reporting Act ).

Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX Select Portfolio Servicing sent me an escrow analysis that showed the wrong date on my Hazard Insurance renewal. This was an error that showed I would be paying it 4 months early and the analysis was showing 3 payments of Hazard Insurance in the 2 year analysis. 

I sent a written letter informing them of the error, they acknowledged the letter received XX/XX/XXXX and the letter was dated XX/XX/XXXX. There was no follow up with regard to the letter so I called on XX/XX/XXXX and was not able to resolve the issue. 

This will cause my payment on XX/XX/XXXX to be higher than it should be, and if not resolved in a timely fashion cause me financial hardship as there will be more than {$4700.00} overpayment of escrow by XX/XX/XXXX. 

Since I live in Florida and my original loan documents make no such requirement I would like to have the 2 months of reserve escrow also known as a " cushion '' removed from my escrow as there is NO such reserve required in my original loan documents. My loan may have been sold and transferred from the original mortgagor but the original terms of my loan are in effect. 

Also, please note the files statements and letters they provide on their website are coded in a way that when saved are corrupted and don't allow you properly save them but get only an error. I have saved some of these statements and letters from the website but am not able to upload them here. The phone app they have does allow you to save the files properly but they took down the acknowledgement letter from the app. I can print these corrupted files but not save digitally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Account was opened in XX/XX/2022 until XX/XX/2022 email address that was set up for this account was XXXX which is not my email address. Bank of America allowed this account for Safe Balance Banking account to be open without proper identification. I was unaware of any of this until I received a letter and statements notifying of the closing of the account due to a business decision still had not properly identified. You can open this type of account online without providing proper Identify. Driver license number issue date, expiration date and/or uploaded your ID. Now after the fact Bank of American wants all the following information : Fraud Claim number XXXX XXXX ). ID sure as driver 's license or a state, government or military issued ID. 
2. a copy of SS card, 3 ) a copy of ss statement, 4 ). proof of residency utility bill or insurance bill or rental or mortgage.

4 ). any original account documents you received for the account ( XXXX ) which i will not have because I did not open this account. 5 ). A copy of the policy report ( XXXX filed through XXXX County Sheriff 's Office ). 
If only that had completed the property ID verification upfront, which was not completed online. however, if they walked into a bank this would not have happened because there would have been proper identification done. I am requesting restitution. Bank of America needs to be stricter on their online banking products when opening accounts. This is ridiculous. I was yelled by their staff, and I did not do this this is not my fault. Completely on them and they should take ownership.

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 2023-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
My bill is due on the XXXX  of each month. On the XXXX, they start calling me at least 4 or 5 times a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc.
State: OH

Complaint narrative:
Revolut closed my account because of what I believe was cash looping. However, I never used a credit card to top up my account, only debit cards. According to their website : https : XXXX XXXX looping only involves topping up with credit, not debit cards. Therefore, I believe my account was wrongfully closed. I have contacted the company, but they have not responded to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I got a modification in XXXXthey put pmi insurance on my loan.my condo has risen in value a XXXX since.i wanted remove pmi.i did not realize a pmi appraisal an a get a loan appraisal is much lower.i said would do a appraisal they charged me XXXX dollars.it came in at XXXX lower than market an XXXX short of removing pmi.i did complaint my mortgage but it was useless. I waited an time passed an there was no doubt my condo was worth way over the money needed.i agreed to another appraisal.again charged XXXXmy units with my views were selling in a day for a XXXX more 5 under contract.the appraiser was told that.she fraudently came in XXXX short.she used a 5th floor condo that sold in a day for the XXXX it over looks the parking lot.my unit overlooks the gulf an intercontinental an blocks from beach.she knew of contracts pending on comparable units for up to XXXX more.yet she gave me appraisal for XXXX XXXX less than the parking lot condo.now even low floors sell for XXXX more.i complained to my mortgage company an thier pmi department.they said I would have pay for another appraisal.XXXX  for XXXX more needed.they even said if it been a refi appraisal been much higher. They said they would contact XXXX XXXX see if anything be done.answer no without apprasisal.meantime they were offering me equity lines.i pointed out how can you offer me equity lines when appraisal shows negative equity.they said well you definitely have alot of equity.i said then remove pmi payment.sorry we can't without a appraisal.i contacted XXXX XXXX an they said the same.i applied for mortgage refinance an helocs with my company an others.all approved with cash out or large equity line.XXXX  XXXX was the lender with each who approved.again I fought with my company remove pmi.got nowhere though they agree it was wrong.i decided not to refinance or do a heloc.i did not need it I decided.my interest rate was good an cost to do refinance to much.so here I was same mortgage paying pmi an being held up for another appraisal for XXXX.i told them the last appraisal was fraud an they needed to reappraise.they were shown the sales an kept sending me offers to cash in on all my equity.its fraud I just want now my last appraisal be refunded.however settle for pmi being removed.i should get a refund for all the pmi charges since last appraisal also.Again settle for it being removed pmi.i have proof of all I'm saying thanku

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My lease vehicle was stolen from a dealership XX/XX/2023, whilst in for a repair and my insurance company paid the lease company Ally Financial, a valuation much higher that what was remaining on the lease. XXXX ( my insurance company ), have paid Ally, {$21000.00}. The lease agreement included, a residual value, {$14000.00} and remaining payments XXXX @ {$220.00}, {$1.00}, XXXX. A total of {$16000.00}. Ally have made an extra profit of circa {$4000.00} because of my mis-fortune and I requested a refund to help with replacing the stolen vehicle. I reasonably expected a large institution to consider my request as we are in a fairly rare circumstance where used car values have increased. 
Following numerous calls and several letter with the financial institution, Total Loss department, Lease Department, and customer services I was assured that I would receive a call from a supervisor in order achieve satisfactory resolution to our dispute. I contend that a large company should not make a significant gain at my loss. I should receive a refund to help with my hardship. Whereas the lease agreement does not afford me this entitlement, I have been hoping that Ally would make a business decision in line with their mission statement re customer focus. Disappointed that they have not taken the opportunity to show any consideration to my request but simply refer to the contract

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 2023-04-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX Re XXXX Letter to Remove Inaccurate Credit Information. 

To whom it may concern : Ive recently received a copy of my consumer report, and noticed that you Experian are reporting inaccurate and incomplete information. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting.15 USC 1681 ( a ) ( 1 ) also states inaccurate credit reports directly impairs the efficiency of the banking system.You Experian are in clear violation and I'm requesting for you to not only investigate but to verify that all data for the listed accounts are reporting accurately including every notation date and balance reported or not. 

XXXX - SXXXX XXXX XXXX has 2 on time payments reporting for the months of XXXX and XX/XX/XXXX with, 1 ( 30 ) day late payment for the month of XX/XX/XXXX with the status for the account showing paid with no other payment history. 

XXXX- XXXX XXXX hs has 2 on time payments reporting for the month of XXXX and XXXX of XXXX, with XXXX, XXXX and XXXX reporting as late payments. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX reports as a Charge Off. 

Congress also states pursuant to 15 USC 1666 ( b ) a creditor may not treat any payment on a credit card as late for any purpose. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late which is my right according to the FCRA. I demand that if you Experian are unable to do so or lack proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply me with the corrected credit profile to the address listed on file. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information.Pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ), you have 30 days to complete your investigation.

Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2023-04-25 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-25 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:
Dear Support Team, I am writing to express my deep concern over the permanent limitation placed on my PayPal account. I believe this limitation was a mistake, as I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years and have always used my account in accordance with the terms and conditions outlined by PayPal. Therefore, I am at a loss as to why my account has been permanently limited. 

I respectfully request that you re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with a clear explanation of why my account was limited in the first place. 

I would also like to confirm that the email address associated with my PayPal account is XXXX. Please let me know if any further information is required from me to facilitate the review of my account. 

I sincerely hope that you will take my appeal seriously and look into this matter as soon as possible. I value the services that PayPal provides, and I hope to continue using them in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete. 
I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report. 
I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of XXXX XXXX XXXX on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of Advantage Credit Inc, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete.

I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report.

I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of TD Auto Finance on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of XXXX XXXX XXXX, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I XXXX XXXX I never received my credit card in the mail and there were unauthorized transactions on my account amounting over {$3000.00} dollars over my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 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 {$55000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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