vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
This complaint is to address the incorrect escrow analysis generated on XX/XX/2023 and I believe it is incorrect because it is performing an escrow analysis on the old pre-loan modification payment of {$4600.00}. There is also a high amount of confusion for the following two reasons : 1 ) Escrow analysis generated on XX/XX/2023 says there is a surplus of {$2800.00} and 2 ) Signed loan modification says there is an escrow shortage of {$2400.00}. 

As of XX/XX/2023, the loan modification has been notarized and signed by me and delivered by XXXX on XX/XX/2023. Therefore, can you please clarify which is the right number via an official letter? I think a new escrow analysis should be done after the loan modification is completed with the loan-modification payment number. If there is a smaller escrow shortage less than {$2000.00}, I would like to make an escrow-only payment to bring this escrow shortage to {$0.00}. Would UWM also consider to making my monthly escrow payment to be divided to 24 months instead of the standard 12 months ( as shown in this attached letter )?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2023-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Hometap Equity Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2023, I applied with XXXX Tap company for a Loan against the equity in my home. The process was initially smooth and the representative was very helpful and communicative initially. I provided all of the documentation that I was asked for immediately as I knew that I had issues to handle financially. I was given a XXXX to XXXX week timeframe for this process to be handled from start to finish, however that was not the case. 

There were a litany of issues during this process including but not limited to : 1 ) Misleading timeframe for process 2 ) Unreasonable delays due to my home being titled into a Trust 3 ) Misleading expectations set for a positive outcome of the process 4 ) Lack of Communication with their own representative and with me about progress 5 ) Deceptive lending practices 6 ) Dishonesty about communicating with my bank to request a Verification of Mortgage 7 ) Unprofessionalism 8 ) Insensitive communication from the Supervisor 9 ) Discrimination 10 ) Failure to provide detailed explanation of ultimate reason for decline This company does not have a legitimate process for its customers and I believe that this company knew weeks prior that it was not going to approve me for the Home Equity Loan however, I was dangled for four weeks with : 1 ) " we don't have an update yet from underwriting '' 2 ) Underwriting is waiting on requested information from your credit union 3 ) I don't know where we are in the process as there are no updated notes 4 ) We should be hearing something back anyday now 5 ) As soon as we hear back from underwriting we will let you know There was no communication from underwriting to me through this process. No requests for clarity on any confusing documents. I basically took control of my own process by requesting a Verification of Mortgage and a Letter of Explanation from my credit union regarding information that my representative told me " might '' have been an issue.

This company should not be in business as they are not upfront with the expectations the customer can expect nor are they transparent through the process.

I am very upset that they wasted three months of my life. Now I must proceed with finding another lender after 90 days of being tied up with this highly unprofessional company. 

I also feel as if I'm being discriminated against because there is no logical reason for the decline and no attempt to let me know why I was declined. 

Thank you.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed child support from transunion about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXX XXXX I'm almost 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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Type : Domestic Limited Liability Company Business Status : Admin. Dissolved Business Purpose : NONE Principal Office Address : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX Date of Formation / Registration Date : XX/XX/XXXX State of Formation : Georgia Last Annual Registration Year : NONE Hi There, Im filing complaint toward company listed above, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX # XXXX. 
As they were sending a false statement demanding payment on XX/XX/XXXX, which I request charge details thru email on XX/XX/XXXX, never heard back from them but keep calling me for payment. 
Now they have sent me to collection for money that i never owed. Please help. before that they were threatening me for legal action that is illegal. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have made numerous attempts to explain to Navient that I can not afford to make any payments at this time due to my ongoing financial hardship due to being unemployed and unable to secure employment at this time. I am unable to pay my basic living expenses so I am not sure where I am supposed to find the financial means to pay them during such a difficult time. My current federal loans are in a pause due to this financial hardship. I was told by a Navient employee in XXXX that just because I am unemployed doesn't entitle me to not pay my loans or have other options for payment during this time. I was told there was no other option for me at this time but to pay an estimated $ XXXX a month, which I do not have and told her to please put this in the notes that I do not have the ability to pay them at this time. Navient has continued to call my phone and send me emails relentlessly seeking payment. It has cause an increase in my XXXX  and XXXX on a daily basis considering they will not stop calling me and I can not afford to pay them still. They have left me numerous voicemails as well. I recently received a letter from Navient on XX/XX/23 stating that I am now in a XXXX XXXX pending the company taking me to court to sue me. Again, another form of harrassment to threaten for me to pay them with money I do not have only leading to further depressive symptoms. They have also reported it to the credit bureau and ruined my credit score making things increasingly more challenging for me. They are greatly impacting my mental health at this time by not working with me and my current financial situation. I am unsure what else to do since speaking with them doesn't solve the problem and only exacerbates my hardship even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Recently I was a victim of a work from home job opportunity which turned out to be a fraud/scam that targeted and stole all my money from linked sources to my venmo account. I contacted venmo and went through the difficult process of contacting support to file a report and dispute. Up to that point I had not had anh issues or filed any disputes, and i have been a long time customer of venmo. After over a week of back and forth with customer support and sending proof and supporting documents to prove my claim, I eventually get transferred to a sketchy " account specialist '' email with no direct phone number. The " specialist '' emails me saying that my account is suspended and something about violating venmo terms. Every other disputed transaction was approved and the others, especially the larger transactions I was scammed from were denied. It literally looks obvious that the specialist picked and chose which transactions to approve and denied the important ones. I respond to the email voicing my concerns about the investigation process and resend all my proof, police reports, screenshots, etc. Only days later to find out that my account was permanently closed and my funds locked in venmo. I am unable to contact or reach the " account specialist '' or anyone directly because they are only reachable by email. Also, they respond in an untimely manner of 7-10 business days which is not acceptable. I need help please. Venmo is neglecting to and it seems purposely avoiding their obligation to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX at XXXX CT, I updated my credit card numbers on the XXXX  XXXX XXXX for restaurant rewards. XXXX minutes later I received XXXX spam calls, and XXXX spam text messages from various car dealerships around the Chicago area saying I was interested in a vehicle they have for sale. 

XXXX  XXXX is sending fake leads to businesses on behalf of consumer card holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XXXX of XXXX, I opened a business checking account with Chase to place liquid funds for my business. I was informed that the minimum balance required to avoid a $ 12 monthly maintenance fee is {$1500.00}, to which I complied. 

On XX/XX/XXXX, I was informed by a Chase Relationship Banker over the phone that my account had been incurring monthly maintenance fees. This was a shock to me, because I was sure that I had maintained the minimum amount, which I had. However, as of XXXX of XXXX, {$15.00} maintenance fees were being charged. 

On XX/XX/XXXX, I was credited with 7 of the 23 fees that were debited from the business checking account over the last two years. I was told that the minimum balance had always been {$2000.00} and in order to receive further credits, I would have to provide documentation of the {$1500.00} minimum balance requirements at the time that I opened the account. 

On XX/XX/XXXX, I reached out to a Chase Relationship Banker via email and provided him with a scanned copy of the documents proving that my business checking account was established with the {$1500.00} minimum balance requirement. I have not heard from him since. I have tried to call him directly, and have received no answer. Any time that I have called the Chase customer service line for assistance, they keep pointing me back in the direction of the Banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Please consider this as my formal complaint to the Fair Collections & Outsourcing for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: FL

Complaint narrative:
Please consider this as my formal complaint to the ENHANCED RECOVERY CO L for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited 2 checks via mobile deposit ( first time doing so ) on XX/XX/. Both were from my parents for XXXX XXXX. Chase put a 10 day hold on the checks, I was going on a XXXX XXXX and needed cash sooner. I called Chase, at which point their representative instructed me that I could cash the checks with the original banks and the deposits would simply bounce from Chase. I asked multiple times on a recorded line if there would be any issue with Chase on this end, because understandably it appears as fraud. I was told 'No penalty on Chase 's end ' more than once. Subsequently they closed my account. This was over a month ago. I was not made aware of the closure and wasn't able to change my direct deposit information because I was unaware of the closure. They have since withheld funds from me, told me they had mailed me my remaining balance, then cancelled the funds. They still have yet to give me one check, two payroll checks and my remaining balance. This has caused late fees, impacted my credit score and ability to finance a certification required for my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
My Vehicle was stolen 2 yrs ago in. There was my debit card I called immediately to cancel card they did not over XXXX was taken from my card. I had XXXX left and it took almost a year to have them verify my account and let me back in. When I finally did they couldnt explain where my money was and kept telling me they would credit it back. After months of calling. They locked me out of my account and said I had the wrong email. It was programmed in my phone and they emailed me several times so I know better. .my funds were taken at almost XXXX on that day. So no one on customer services could explain and kept saying I closed account. I did not. But even if I did they have to send me a check or give me my money. I screen shot all interactions and they act as if I never had that account now. They have not only done this to me they have done this to several other clients I have heard of. I have requested statements and supervisors to call they were rude and have not still released my money. I worked for it belongs to me and the day I reported my card stolen funny that over XXXX was taken and my card wasnt cancel till almost a year later. .they have been ugly and now acting as if I didnt have any way to talk to them cause my account is not showing up after I have several calls earlier that day from them. 3 supervisors told me they would investigate but my money would be returned by the end of the week. Which was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I called Comenity 's fraud dept on XX/XX/23 at XXXX to report fraud on my store card for Express with Comenity Bank XXXX I asked if I could close the store card OR if I could freeze/hold the card to ensure fraud charges don't happen in the future. The rep said I could freeze/hold the store card and call if I want to use it, so I decided to do that. 

I was placed on a hold then the rep came back changing the policy stating I had to close the card and reapply, no freeze/hold is available to me. Now my online account no longer exists and I can not track the resolution of the fraud on my card. This will also lower my credit score being forced to close the card. I have never experienced fraud on any of my accounts and Comenity 's practice, forcing me to close the account and blocking me from viewing the account, plus damaging my credit score is so unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AK

Complaint narrative:
I was scammed. Sent a payment to someone on cash app and was not provided with the service. Attempted to get a refund. Cash app would not investigate for fraud and refused to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
I wrote a check to my doctor 's office against my Optum account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a { {$30.00} } returned check fee. I reached out to Optum three times, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against Optum HSA accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them attempting to resolve this, but they made no meaningful effort to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Disputed account balance of {$880.00} & XXXX XXXX XXXX XXXXXXXX XXXX " 3 times. 
which both reporting incorrectly, the correct balance is {$800.00} & the correct XXXX XXXX is " XXXX ". Equifax fail to do a proper investigation 3 times delete this account. 

XXXX XXXX XXXX - # XXXX

Company response to consumer: Closed with non-monetary relief