vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I FOUND OUT LAST MONTH THAT A CREDIT CARD WAS TAKEN OUT IN MY NAME OF XXXX DOLLARS AT A DENTIST OFFICE IV NEVER BEEN TO. I DO KNOW THE PERSON WHO OPENED THIS CARD WITH MY SOCIAL SECUIRTY NUMBER. XXXX XXXX WHO ACTUALLY WAS MAKING A PAYMENT ON THIS CARD AT XXXX POINT STOPPED AND BECAUSE THE MAILING ADDRESS WAS UNDER HER MAILING ADDRESS I HAD NO IDEA THIS CARD WAS EVER EVEN OPENED UNTIL I CHECKED MY CREDIT SCORE AND SAW THIS WAS TAKEN OUT IN MY NAME WITH OUT ME APPROVING XXXX DOLLAR CREDIT CARD LIMIT. THIS WAS ON XX/XX/2019 2019

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I am a victim of pre-approved credit karma credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I canceled a Barclays JetBlue card I was not using as I no longer wanted to pay the annual fee. AFTER the card had been canceled, Barclays still processed a payment from my bank account for the amount of the annual fee. I have contacted Barclays multiple times to rectify this and they still have not returned the funds they collected from me incorrectly. The total is {$99.00} against a card that has been canceled for 2 months 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 explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FirstKey Holdings, LLC
State: FL

Complaint narrative:
XX/XX/XXXX First Key Mortgage purchased my loan from XXXX and has it serviced with sXXXX XXXX XXXX ( XXXX ) After years of numerous complaints regarding XXXX overcharging me thousands for taxes and insurance : I tracked down XXXX Key mortgage and notified them of the clerical errors and the hardship it has cost me as i am a XXXX veteran. Another month has gone with no word from them either! 

XXXX & XXXX FOR XXXX TOTALED {$3300.00} NOT {$4800.00} XXXX & XXXX FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY MONTHLY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX XX/XX/XXXX should NOT change until the new XXXX policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from chase where did it go? 
Enclosed is the Escrow disbursement from XXXX CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
My insurance company XXXX contacted XXXX XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... XXXX  REFUESED TO PROVIDE ANY INFORMATION!!! WHY? 

XXXX XXXX servicing needs to ADMIT THE CLERICAL ERROR AND FIX IT!!!!! 
apply all escrow payments at the time they were made NOT 6 MONTHS LATER. REMOVE ALL FEES AND CORRECT THEIR CLERICAL ERROR BEGINING IN XXXX AND RERUN THE ESCROW FROM XX/XX/XXXX WITH CORRECT NUMBERS TO DETERMINE A CORRECT PAYMENT. IN XX/XX/XXXX XXXX THE ESCROW WITH CORRECT NUMBERS FROM POLICY AND ALL OVERPAYMENTS APPLIED TO MY PRINCIPAL BALANCE!! 

ENCLOSED IS XXXX XXXX AND ALL RELATED INSURANCE. PLEASE DONT LOOK AND CLOSE MY CASE I WANT ANSWERS AS TO TWHY THE REFUSE TO CORRECT. HOW IS THIS LEGAL????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: IL

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 
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 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I keep getting denied credit cards due to unable to verify identity adverse action and would like any hindrances to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I have a mortgage with Midland Mortgage and I have two offers. I have sent that info to Midland Mortgage. And yet I have not received anything. I also have a complaint about the XXXX that Hud sent Midland Mortgage to apply to my loan that was NEVER applied..I have not received anything about that. It has. I have been told that insurance is being paid twice a year and taxes are paid more than once a year. I seriously do not understand these charges that I am not aware off. And when asked I get no answers. I need a print out of the interest that has accured and also the insurance payments and the tax payments. I have yet to receive anything and when I call no one has a clue I am talking to the wrong dept. This mortgage company has alot of explaining I believe these are bogus charges. My insurance has NEVER changed. Paid once a yr and the insurance is less than XXXX a yr and also the taxes is less than XXXX a yr. They are saying they paid $ XXXX in insurance and taxes. Show me! Why is it taking Midland Mortgage so long to send me the proof and info. This Mortgage company is a scam and a fraud. I need answers. I am trying to sell the house to get away from this Mortgage company and it's scam..the government needs to looks into this 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 2023-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 


The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.

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 2023-02-03 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Company XXXX reported an account they new was fraudulent Portfolio reported I informed them that was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: AZ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality .under 15 USC 1681. 

1. 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 : It also states a consumer reporting agency can not furnish an 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 than 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.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This is part of the Wells Fargo Law Enforcement action law suit, I had an account with wells Fargo during those years and got a small check from them in this law suite XXXX 
I want to know if I will be getting more money? They charged excess NFS fees and then they just closed my account. It was the Wells Fargo Bank located in XXXX Alaska, I do not have a copy of the check, but I'm sure with this law suite they can find it. Now that I have gotten one check I'm sure there is more that will be given out.

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 2023-02-03 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: AFNI INC.
State: AL

Complaint narrative:
Company Afni reported an account they new was fraudulent XXXX reported I informed them that was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I had a similar problem a couple years ago with PayPal/Synchrony where my payments would not go through even though I had the funds available and PayPal had my banking information. I was just informed by the Office of the President of Synchrony that PayPal has taken over all transactions, and that in XX/XX/2022 they disenrolled me from automatic payments for my XXXX. I have been paying my PayPal credit account via check since the first issues, but the XXXX payment was able to be paid via automatic payments. Now none of my bank accounts are available on the PayPal website and I am unable to add them. I have tried unsuccessfully on multiple occasions. When I call, they refuse to help me. This problem has been aggravating and detrimental to my credit. I have had the bank accounts linked to PayPal for at least 20 years without any problems until they became associated with Synchrony. Now Synchrony states they don't have the ability to link bank accounts to a credit card they fund and PayPal indicates they can't and won't help. I want all late funds reimbursed and payments due held without fees or delinquency until they have properly linked the bank accounts. I have spoken with PayPal and Synchrony on the following dates. XXXX XXXX and XX/XX/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 monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and XXXX XXXX. I'm contacting you due to how our modification was handled with Amerihome Mortgage. We did the Covid 19 option to place the payments on hold. After Covid relief was over my husband applied for a modification. It took Amerihome Mortgage almost a year to let us know he did not qualify due to his income was too low. Amerihome told us to call them 1x a month and we did. We called and was told as late as XX/XX/XXXX that everything was fine and it looked like the modification was good. We called the beginning of XXXX to and found out the modification was denied and the house was sent to an attorney. They never asked for more income because I could have easily been added to the application as a contributor. Since affordability was why he was declined it shouldn't have taken such a long time to let us know this. Affordability something that should have been identified at the beginning of the process. Now the loan is XXXX behind and more than a year, which made us ineligible for the XXXX grant that Georgia provides. It also made us ineligible for a few programs FHA provides since it's more than 12 months. The house is being set up for foreclosure now. I have reapplied with our combined income ( I'm not on the loan ) but I am worried about Amerihomes competency in offering modifications. I can not trust what they say. We have also emailed the Attorney, XXXX XXXX, and called and haven't received a call back or response to our email. No one should be treated this way. The COVID 19 mortgage assistance has backfired and Amerihome mortgage shouldn't be allowed to do this to people. Our modification was mishandled. We asked several times for a Supervisor to call and never received a call back from anyone in management. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
This complaint is related to the Wells Fargo settlement for XXXX. I had a primary mortgage with Wells Fargo from XXXX to XXXX. After the HARP program was initiated I called Wells Fargo mortgage to ask about applying for a HARP mortgage modification around late XXXX or early XXXX since I was experiencing financial difficulty due to the economy. The person I talked to said I would not qualify unless I came up with over {$40000.00} to be eligible for the HARP program. I don't believe that was correct and that I should have been approved for a mortgage modification. I believe that Wells Fargo was unwilling to give me a modification and would have preferred me to default on the mortgage because it would have been more profitable for them. At the time, my mortgage rate was % XXXX. I was never able to get a mortgage modification despite several attempts with Wells Fargo. During the entire time I had a mortgage with Wells Fargo I also had a checking account with Wells Fargo, which I'm unsure if I was changed any erroneous fees or had accounts opened in my name without my knowledge or approval. I believe I am entitled to file a claim since I have not received any correspondence from Wells Fargo or any payment.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I keep getting denied credit cards due to unable to verify identity adverse action and would like any hindrances to be removed.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I keep getting denied credit cards due to unable to verify identity adverse action and would like any hindrances to be removed.

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 2023-02-03 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: WI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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