vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Today XX/XX/XXXX I called PennyMac to make our monthly mortgage payment through the automated phone system and it said our payment was {$1400.00}. instead of our usual payment of {$1000.00}. We have not received anything via email nor through USPS. The automated system said taxes had been paid on XX/XX/XXXX. 
We then called PennyMac to ask what was going on and we could not get a clear answer as to why our payment had changed so drastically. 
We assumed this loan on XX/XX/XXXX and paid over {$4600.00}. in closing costs, taxes and insurance. 
PennyMac has been very difficult from day one since trying to assume this loan from our daughter and her husband. I feel they charged us unnecessary fees as my husband was a co-signer on the loan when we assumed it. It took from XX/XX/XXXX to XX/XX/XXXX to simply assume and close on this loan. The assumption fee was much higher than we were told at the beginning of the loan. 
We told the gentlemen we wanted to make our usual payment of {$1000.00} and he said there would be a {$15.00} fee for paying via phone through a representative because the automated system would not accept any payment except the amount of {$1400.00}. I do not think in this situation we should have to pay a late fee. This is a problem they need to correct and send us information via mail as to why and what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: TN

Complaint narrative:
On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXXXXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..

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 2022-05-16 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: MO

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 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 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

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 2022-05-16 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: EQUIFAX, INC.
State: MO

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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/SAMS CLUB Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I do not have an account, nor have I ever applied for an account.

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
I've been having issues with Community Loan Servicing , LLC ( CLS ) since they took over my mortgage in XX/XX/XXXX. This is my 2nd complaint with this company. I submitted my 1st complain on XX/XX/XXXX. Although CLS sent me a letter confirming the error on my escrow account, the issue still has not been addressed nor have they corrected my account, as my monthly contribution towards my escrow account hasn't been adjusted. I called them multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again, and XX/XX/XXXX. 

Till this day, I continue to speak with the Customer Service representations who have not been helpful, and have regularly been rude, demeaning and questioning my intelligence regarding this matter, as they can not explain why the monthly escrow payment remains the same ( i.e. they're charging {$400.00} more monthly than they should be. ) My annual property taxes are {$8100.00} and home-owners insurance is roughly {$1300.00} totaling about {$9400.00} per year. Due to their errors and continued incompetence, CLS is expecting me to pay a monthly escrow payment of {$1200.00}, which totals {$14000.00}. That's a difference of {$5300.00} per year and {$440.00} per month. 

Another issue that I'm having with CLS is regarding the payoff amount they mailed me. Per my mortgage modification dated XX/XX/XXXX, the payoff amount is {$330000.00} ( which includes delinquent interest totaling {$15000.00} and escrow advance/negative escrows totaling {$8100.00}. ) However, I'm trying to sell my property, and the CLS Customer Service Representatives have reported to me via telephone on XX/XX/XXXX the payoff amount is {$340000.00}. CLS fails to explain the difference in payoff amounts. 

On multiple occasions, my attorney and I have called CLS requesting the payoff amount via e-mail/fax/mail, and sadly CLS fails to provide the documents to us. I have a closing for this property scheduled for XX/XX/XXXX and as of today, I have not received the documents. I requested the payoff documents on-line in XXXX, I called multiple times in XXXX ( so did my attorney ) and we did not receive the documents. 

I'm all out of options at this point with CLS, and would appreciate if my complaint were accepted and given a thorough review. CLS ' business practices and communications with me have been mentally and emotionally draining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XX/XX/XXXX till XX/XX/XXXX there were hundreds of fraudulent withdrawals from my checking account totaling more than {$16000.00} dollars. Chase Bank originally put monies back into the account and then a week later took it back out. We have been talking to Chase officials since XX/XX/XXXX to no avail. They often hang up on me or drop the call while I am on hold. I really Need some help or guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MN

Complaint narrative:
The following accounts and balance listed on my XXXX and Equifax credit report are lost/stolen and fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, {$450.00}, and XXXX XXXX XXXX  XXXX XXXX Credit Card XXXX XXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
XXXX XXXX # XXXX in 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 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 2022-05-17 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: IL

Complaint narrative:
XXXX XXXX # XXXX in 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 2022-05-16 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: NY

Complaint narrative:
As of XX/XX/2022, Equifax removed all inaccurate information from my credit File. 

On XX/XX/2022 I checked my Equifax credit file again and it showed that all the inaccurate information was removed. 

On XX/XX/2022, I checked my Equifax credit file again but this time all the inaccurate information was being reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act CB INDIGO, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX was contacted several times over the refund of {$700.00} transfered to XXXX  XXXX XXXX account in XXXX due to erroneous transaction made on XX/XX/2021. There was no validation about the transaction by XXXX and as a result the erroneous transaction was made to the wrong account. The first inquiry was made within 14 days of the transaction and I was promised immediate resolution of the issue. However, with almost a year and confusing statements made by XXXX representatives over multiple enquiries, the refund has not been processed and XXXX has failed to initiate any contact to me over these enquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: TN

Complaint narrative:
On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX  which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: MS

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 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 2022-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. XXXX XXXX - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance and all on time payments or remove immediately. Also provide method of verification 2. XXXX  XXXX XXXX XXXX - remove this error immediately - Experian neglected to report payment history so the payment of {$16.00} ( settled account ) is not reported, this payment was made in full and confirmed by XXXX XXXX XXXX yet Experian neglect and refuses to rectify this error. 
- Experian needs to remove this account immediately, due to falsely reporting an INCORRECT balance, the balance of this account is {$0.00}. ( balance paid in full ) - This account is also active but the account status is reported incorrectly.

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 2022-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX a fraudulent business account ( ending- XXXX ) was opened under my name at a Chase Branch in XXXX XXXX 

I noticed the fraudulent account under my online profile on XX/XX/XXXX and notified Chase online banking immediately. The representative told me they would close the account at that time. 

On XXXX XXXX i noticed the account was still under my profile and spoke to another representative in the fraud dept that said the account hadn't been closed but they would close it as well as put alerts on all of my accounts On XX/XX/XXXX an electronic withdrawal was made from my personal savings account of XXXX into the fraudulent account that had still never been closed After 1 month, Chase has failed to give my money back or provide me with any information as to what happened

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account Number XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I do not have an account, nor have I ever applied for an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CT

Complaint narrative:
Hello, I have put several request to dispute XXXX XXXX  XXXX from my credit Report and Transunion comes back that the information is verified. I have asked numerous times XXXX XXXX  XXXX to verify their account and they have failed. I have no idea who they are. I have never paid them directly. I want this delete it from my credit report as soon as possible. They are fraud. If they send you the verifying information please send it to me otherwise please delete.

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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 there were 5 unauthorized transactions made on my debit card totaling almost {$3000.00}. The bank denied my fraud claim because they said that I logged onto My app after the transaction posted and did not file the claim until 2 days later. I couldnt file the claim until 2 days later because the transaction did not post and they will not dispute non-posted transactions. I did call the bank the day the fraud occurred on XX/XX/XXXX and they confirmed I need to wait until the transactions post for me to file a claim. The denial for this claim is completely unfounded and now Im out almost {$3000.00} because my bank denied the claim. These are clearly fraudulent claims as 3 of them are from XXXX and 2 are from XXXX with what seems like made up companies. Im located in the US and they can verify my location by looking at where I was when I open my app every day

Company response to consumer: Closed with non-monetary relief