vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
My home loan is with XXXX and they bought my home loan from XXXX XXXXXXXX Mortgage back in XXXX of 2022, I had paid extra payments into my account to cover tax 's, Insurance in the beginning because I'm a XXXX Vet on a Fixed income. Oklahoma only makes me pay the property tax on the first year, and the money was already there in my Account to cover this first year. When XXXX paid the property tax, they changed my escrow account to a higher amount and pushed up my monthly payment. XXXX was contacted many times about this, and I had also provided them with all necessary information and paperwork. I was promised that my account would not go up and the account would be reviewed. Never was, higher payment was auto drafted from my account. all without my permission on the new rate. Not only this but XXXX has released my information to XXXX callers who want me to refinance with XXXX and cash out my escrow in a new re-finance loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 You all are not stating how you are verifying the information and if indeed the information is accurate as know documentation has been shown as proof. I need this information corrected immediately as these accounts are inaccurate. 
I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have no recollection of which made me reach out to you all. 


Are you familiar with 15 U.S.C. Sec. 1681 ( a )? It states if you cant provide proof, these accounts must be DELETED. Well, I want these accounts DELETED if they are not a 100 percent right or correct. So, could you please check on these and get back with me? My lawyer stated that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2023-01-02 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: MD

Complaint narrative:
The XXXX XXXX Account is not mine. The account being reported is not my current or any historical account. I have attached a file for documentation and supporting evidence. This needs to be removed as it is causing unnecessary freezes on my credit. 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 non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/23 a payment of {$490.00} was made to XXXX XXXX. We talked on XXXX  and they made a fake page linking them to the main one. They took my telephone, address, and email information and sent over an " invoice ''. They were responsive the entire time until payment was made via XXXX. Once payment was made no update on conversation has occured on tracking or product location. I sent a request for the money back and that request has been ignored.

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 2023-01-02 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: PA

Complaint narrative:
I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. XXXX claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. Equifax and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. Experian claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. XXXX and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove 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 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I had opened this account with XXXX when I was XXXX and they gave me a XXXX party credit card with XXXX bank. XXXX then sold their company to XXXX and people got locked in into whatever this credit company is. I called almost everytime they charged me interest and charges and I had ALWAYS set up my auto pay. They kept failing and failing and I would accumulate late fees and charged.

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 2023-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
On around XXXX-22 through XXXX-22 I closed on a home loan with XXXX XXXX XXXX. The closing was done at a XXXX XXXX restaurant with a notary that handled the paperwork and documentation. I gave a certified check in the amount of {$1600.00} at the time of closing, and had given {$500.00} in the month prior as good faith monies. After the closing I received absolutely no documentation showing that I am the owner/ resident of the property and that I am on the paperwork for the loan. I called and spoke with representatives on numerous occasions to try to voice my concern and receive the documents, but they are very unhelpful/ unconcerned with the matter. There is also no documentation on thier website. I feel that I am the victim of fraud here somehow. I wish to see all of the proof and evidence in writing of the Notary that handled the closing, and how the funds were used to cover what costs, because the amounts that were applied to specific areas were not what was discussed prior to the closing. The home price was {$25000.00} and of the {$2100.00} that was paid, they have made it to where nothing went toward the balance of the home and the monies have vanished. 
Now the original loan number has changed and doesn't reflect what is represented on my Homeowner 's insurance docs. When I check the payment section of thier website, the amounts differ from my records, and the method of payment isn't the same in certain months either. I have checked my credit report via XXXX and it states there that maybe 2 loans are in effect. One area states first mortgage for a duration of 360 months in the amount of {$100.00} and yes with a refinance indicator. This was NOT initiated by me! Then there is the original or second mortgage with 300 months and it states 300 months and a payment of {$3000.00} per month. Also Via XXXX the payment months have {$0.00} paid in XXXX, XXXX, and XXXX, with double payments/ or {$620.00} paid in others- XXXX. I received a payoff letter in XXXX of 2022- someone else may have taken over- assumed a role on the 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been trying to resolve XXXX items showing on my credit report since XXXX XXXXXXXX XXXX I have written to all 3 credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent 3 letters regarding these accounts. I know they have 30 days to respond but it has been over 90.

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 2023-01-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, dear Madam, dear Sir, Back in XXXX, my credit card with Chase reported a missed payment. 
Now that I am looking for financing for a house for my family it's causing an issue. 
Hence, why it's coming up now. 
I have tried calling Chase multiple times over the months of approx. XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote them a letter in XX/XX/XXXX and now have even visited them in the bank just on XX/XX/XXXX in XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, asking them to fix the mistake. 
There were enough funds in my bank account to pay for the funds and it's been the only, the very only missed payment showing up for the duration of almost XXXX years I have been living here in the XXXX and there's a mistake here. 
They come up with different reasons, explaining they can't look back that far, they think it wasn't a technical error, even though they say they can't look that far, it will be gone shortly although they can't confirm when. The reasons vary and are non-sensical. 
There's mistake been made here and I kindly ask for your help here to get this fixed. 

XXXX to Chase, XXXX XXXX  and Bank statements showing sufficient funds over the relevant months in XXXX are attached. 

Thanks very much, With best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY

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 2023-01-02 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: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact XXXX parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX XXXX prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY

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 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
According the FCRA AND FDCPA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices. 

They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name. 

I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA. 

The accounts are listed below : XXXX XXXX XXXX 15 US.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX. I was carrying two promotional 6 month no interest balances on the card. The first balance was {$5200.00} and the second balance was {$3300.00}. 
XXXX. The XXXX statement indicated that a minimum payment of {$87.00} was due by XX/XX/XXXX/2022. The statement also indicated, in prominent red all cap typeface : " YOU MUST PAY THE BALANCE OF {$5200.00} OF YOUR PLAN XXXX XXXX XXXX XXXX LOW PMT IN FULL BY XX/XX/XXXX22 TO AVOID PAYING ACCRUED INTEREST CHARGES. '' XXXX. The XXXX statement does not include language to the effect that the plan balance of {$5200.00} and the minimum payment of {$87.00} had to be made. I thus was led to believe that the payment of the plan balance would satisfy the minimum payment amount. 
XXXX. As indicated on the XXXX statement, I made a payment of {$5200.00} on XX/XX/XXXX2022 ( the payment due date ). The XXXX statement nonetheless included accrued interest in the amount of {$1000.00}, even though my payment was a greater amount than the minimum payment due and was enough to satisfy the outstanding balance on the promotional amount due on XX/XX/XXXX 2022. 
XXXX. I spoke with XXXX on XX/XX/XXXX, 2022 and XXXX 's position is that I was required to pay the promotional plan amount due plus the minimum fee due to avoid interest charges, despite the plain language in the XXXX statement that I only needed to pay the {$5200.00} to avoid interest payments. 
XXXX. The XXXX statement was deceptive in its language because it does not indicate that two amounts ( the plan balance plus the minimum payment amount ) needed to be paid to avoid interest charges. Also, XXXX did add such language to the XXXX statement concerning making both payments to avoid interest charges, but it was too late. This deception creates a trap for unwary consumers. I will also note that XXXX did not charge a late fee of {$41.00} even though its position is that the minimum payment amount was not paid by the due date of XX/XX/XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd

Complaint narrative:
I had an account with Wise. There is about $ XXXX USD in the locked account. $ XXXX is currently in the balance which I was trying to send to my bank account, from which they took 2 weeks to " review '' the transaction, and then today they closed my account. The other $ XXXX is in the account, but will not show up in my balance due to them not completing their " review '' which is what support told me. So there is $ XXXX in that account which has now been locked with XXXX reasoning. I'd like to get my money out to my bank account.

Company response to consumer: Closed with explanation