vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: MD

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XX/XX/XXXX - financed an XXXX XXXX from XXXX under account XXXX. Watch value {$320.00}, down payment {$140.00}, remaining financed under 24 month term. We understood that as long as theres a current account with XXXX XXXX, the monthly financed amount will be offset by monthly equipment credit. Effectively, the remaining of the financed amount is supposed to be free as long as we have a current account with XXXX XXXX. 

XX/XX/XXXX - account set up with XXXX XXXX on the purchased equipment + XXXX phone lines port over from XXXX. We brought the invoice from the equipment purchase from XXXX XXXX and acknowledged life got in the way of setting up service on the watch right away. Despite that, XXXX XXXX erroneously set up a separate account for the service XXXX, thus decoupled the service from the equipment. This account was set up on autopay. Due to the decoupling, XXXX XXXX system assumed that theres no service set up on the financed equipment, and threw the account in default. 

XX/XX/XXXX- we were notified that the account XXXX ( account that the equipment was purchased ) was in default and sent to collection agency. We reached out to XXXX XXXX and was told that it was fixed and customer rep acknowledged that it was all a mistake. 

XX/XX/XXXX- we were notified that account was still in default and collection agency started calling everyday. XXXX XXXX said theres nothing that they can do since its been sent to collection agency ( legally I still only owe XXXX XXXX, not Collection Agency ) and accumulated even more late fees. 

XXXX XXXX inability to fix billing issues and account set up with us is the root cause of this illegitimate collection amount. They have shirked every responsibility and my attempted to resolve with them directly. I have spoken numerous times with their customer reps and they all verbally acknowledged their errors. Yet when I disputed the debt with the collection agency, I dont believe the relevant facts were provided and the collection agency was still actively pursuing this illegitimate amounts of debt. 

Attached are the original financing agreement, first bill with service in XX/XX/XXXX, account statement on the equipment account showing the equipment credit ( this is proof of how the financed amount was supposed to be free ), and latest account statement with service that shows the account is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: GreenSky, LLC
State: IL

Complaint narrative:
I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with 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  All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I HAD VENMO FOR YEARS. I TRANSFERRED {$7400.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS.

INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$7400.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
I had problems with the loan officer I was assigned at Guaranteed Rate from the beginning. I requested multiple times to have a different loan officer because I had to hound him for information and even my pre-approval letter but Guaranteed Rate would not assign me a new loan officer. Fast-forward through a very frustrating loan process which included my information not being sent to settlement soon enough and having to move my closing date which I had drive hours to pay and for a hotel to make.

I have been informed that Guaranteed Rate put the wrong insurance company down for me and so at closing, they had an insurance policy factored in to my escrow that was about {$600.00} short of what it should be ( my correct policy was about {$600.00} higher than the policy Guaranteed Rate put down for me ). What makes this even more frustrating and unfathomable is that I was closing on two properties with this company and closing on them on the same day. Both properties were to have the same insurance company. One property had the correct insurance information listed and the other property did not. I don't understand how this could happen but now my escrow is woefully short and will not cover my taxes. Furthermore, when my escrow is re-assesed, my mortgage payment will jump significantly. I've spoken to numerous people at the company who's responses range from, " They did mess up but unfortunately you kind of have to make up that difference. There's nothing that can be done. '' to a total denial that the escrow will not be able to cover the taxes. And now after being told I had to retrieve the money from the wrongly paid company because " Guaranteed Rate can't contact the company '', I got the money back and put the money into escrow so the CORRECT company can be paid. The amount of the policy was confirmed as well as the company. I was told the payment request was going to be made immediately and I'd be contacted with a update which never happened. The following week, I got an email stating a payment was made and it was for the WRONG amount. There has been no accountability on the company 's side and even when I reached out to a loan officer who worked on the mortgage, I was brushed off and told to contact the servicing department. I have spent numerous hours trying to get help and get things worked out and there's just one egregious error made after another. I trusted this mortgage company to know what they were doing and handle my information properly and they have violated that trust. Getting a mortgage is stressful enough and this process has been exponentially worse than my first mortgage experience. It is stunning how bad this experience has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Apex Processing
State: IL

Complaint narrative:
I sent in a loan forgiveness application to through site, studentaid.gov. Was contacted by a company I thought was with department of education because they had all of my information : social security number, address, date of birth etc. They informed me that I met all the qualifications and could receive and loan forgiveness. I got a notication from my bank that showed the first installment of {$200.00} was being taken from my account for the {$1200.00} fee. I noticed then that the money was not going to department of education but to Apex XXXX XXXX. I called Apex back and told them I wanted to cancel because they never disclosed they were not with the department of education. The gentleman I spoke with, XXXX XXXX, stated he was a former employee of the department of education and that he knows how the system works. In formed me that if my application had not been approved by the end of XXXX I would receive a complete refund. XX/XX/XXXX, they again deducted money from my account. When I attempted to contact, all I got was a answering machine. I put in a dispute with my bank, XXXX XXXX  XXXX. The company has not responded back.

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 2022-03-31 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: TX

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXXXXXX made an unauthorized credit inquiry. I reached out to the mortgage lender and nobody is taking responsibility. 

I am in the process of getting a home mortgage with another lender and this is affecting my credit score as well as underwriting with my lender to close my mortgage.

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
I have documents and payment proof for every single transaction. 

My mortgage was merged over to Select Portfolio Servicing Inc on XX/XX/XXXX. 

In XXXX I paid a grand total of {$74000.00}. 

In XXXX I paid a grand total of {$330000.00} From XX/XX/XXXX - XX/XX/XXXX I paid a grand total of {$410000.00} I tracked all of this day to day in order to avoid all interest charges that were associated with this mortgage. 

On XX/XX/XXXX - I received my payoff statement showing that I overpaid my mortgage by {$48.00}. And Select Portfolio Servicing Inc. owes me {$48.00}. 

On XX/XX/XXXX my mortgage as officially Paid In Full with a XXXX balance. 

On XX/XX/XXXX I received my official XXXX balance Letter / Paid in Full Statement from Select Portfolio Servicing Inc . 

On XX/XX/XXXX I received my official Mortgage Statement from Select Portfolio Servicing Inc. showing that my mortgage is Paid in Full with a {$0.00} Balance. 

On XX/XX/XXXX, I finally received my full payment history showing all payments bringing my Mortgage to a XXXX balance {$0.00} Then, out of nowhere, I log into my Select Portfolio Servicing Inc. online account XX/XX/XXXX, and it shows that I magically have XXXX ( XXXX ) DIFFERENT MORTGAGE BALANCES as of yesterday Monday XX/XX/XXXX. 

The XXXX  ( XXXX ) different balances show the following : The XXXX balance shows that I have a principal balance of {$0.00} ( XXXX cent ). 

The XXXX balance shows that I am due a credit of {$180.00} as I overpaid my Mortgage on purpose to avoid interest. 

And the XXXX balance shows that I have a XXXX Balance / Paid in Full Account at {$0.00} This is where EVERYTHING becomes so suspicious, fraudulent and just outright nasty. 

After speaking to someone for over 35 minutes by the name of " XXXX '', they finally connect me with " XXXX XXXX '' who explained that yes I have a principal balance of {$0.00} and that this account will come to a close and be updated and marked as Paid in Full as of today XX/XX/XXXX. 

XXXX XXXX promised to call & no call at all. 

Then I log into my Select Portfolio Servicing Inc. account today and they have the AUDACITY to state that I now have a Mortgage Balance due for {$4700.00} and now my monthly mortgage payment went from {$2400.00} to {$98.00}???!!!! 

This is outright fraud, this is completely illegal, they refuse to show me any proof or documents and I will not stand for it. 

Just to prove them wrong and show them how illegal it is what theyre doing, I set up an automatic payment for {$4700.00} that will be paid tomorrow morning, XX/XX/XXXX. And I sent another {$10.00} wire transfer dated for today as Select Portfolio Servicing Inc. last payment always has to come via Certified check or wire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-31 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: OH

Complaint narrative:
I entered into the XXXX credit protection program which pays the minimum balance due for 6 months. XXXX paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
during the pandemic, i fell behind on several car payments but eventually i paid them. this was due to a reduction in hours plus my wife losing her job so i had to compensate for other expenses that my wife used to cover before unemployment. i understand there were programs that benefit and protect people against late payment remarks on their credit score however i was never offered any, i even paid off the car loan in full way before the estimated 6 year financed loan and they denied me goodwill letters several times nor were they willing to correct a few lat payments with me paying off the full balance ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for auto payments for my mortgage payments. My loan was sold to another bank and I was never notified. I missed 9 payments becuase I thought I was on auto withdrawals. When I spoke to them, they said there was a system error and that's why I never recieved notifications. I was also never notified that my payments were late late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Incident occurred on Date : XX/XX/2022 In the amount of {$1000.00}. 
Accredit account on Date : XX/XX/2022 Reversed credit amount on Date : XX/XX/2022 Ive spoken with the bank to inform them that this transaction wasnt authorized nor did I or any employee made this transaction. The bank overturned my dispute claiming that there investigation lead them to believe that this was an authorized transaction. 

I asked them to please show give me any information that can help me understand that decision ; pictures, paperwork, etc. They couldnt give me any specific reason. I believe that this bank is in violation and is refusing to acknowledge FDIC terms and regulations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief