vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I was supposed to be shut off from the well on XX/XX/XXXX because the well is in violation of the laws and regulations. I can't get public water yet either they can't even accept our applications. You guys made me pay for water whether it is the well or the public water I can't have either one. In addition to this, why did I have to pay for the survey and XXXX XXXX for it not to be included in the documents filed with the county? 

Why did you decide to go through another foreclosure on me after I submitted a complaint to the savings and mortgage lending department? Was it because the loan originator was cited in the wrong for the 1 to 4 contracts he should have had a part in? BTW my loan should have been around {$210000.00} but then you should also take off the cost of whatever they were since I don't have any improvements. You instead used the first prequalification letter & earnest money contracts to just add costs to my loan.

You gave me 3 closing discloses, and 1 loan estimate, made me sign two Form 4506-T forms for a credit pull, and how am I going to sign a settlement statement for a house that says it's in XXXX, and then you guys switched to XXXX? Why do the Additional dates per state requirement say : XXXX on the XXXX statement for XX/XX/XXXX but not on the XXXX statement that is on XX/XX/XXXX? Also, there's no way I could sign page XXXX of XXXX on XXXX and on the XXXX page XXXX of XXXX printed on XXXX, that's ridiculous especially when in my closing recording they clearly mention that there was no escrow XXXX even present so what the XXXX? But you guys are smart and since the title company is in XXXX, TX I can't get any information from the XXXX location. I have never even been to the XXXX location. 

And why did I sign a new construction statement on XXXX for a house that was an REO/SPEC home that wasn't a XXXX home? Isn't an XXXX like a foreclosure HUD or bank-owned home? Which by the way you did this to all XXXX of our houses and then some and the appraisals homes are all owned by XXXX & XXXX mortgage and sold decades ago? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
A fraudulent invoice was sent to me through XXXX  This triggered an official email from XXXX  to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through XXXXXXXX XXXX XXXX XXXX  I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the XXXX mobile app ( card issued by XXXX XXXX  ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other mobile cash apps. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. {$500.00} total was sent through XXXX XXXX XXXX  on the chase mobile app which directly came from my account. {$740.00} total was sent through XXXX for the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I purchased my home in XX/XX/2022 with a 20 % down payment and began making payments. I was told several times I would be able to waive my escrow account once my taxes and insurance for the year were paid. Now they have denied my request and stated the reason why is because of the LTV. They are asking for a 70 % LTV in order for me to get the escrow waived. I have called countless times and the only reason they give me is that they soft pulled my credit and it didnt meet their requirements to waive it until I reached 70 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: GA

Complaint narrative:
-- -Wrong employment and home address EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -Showing balance but supposed to be closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShowing balance but supposed to be closed. 
XXXX XXXX  XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed -- -Showing duplicate loans from XXXX different departments. 
XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX school loans closed but showing a balance. 
-- -They started my time over, the loans should of fell off my report. 
Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have XXXX preloaded XXXX XXXX XXXX  with Bank of America. Both cards have expired. When I called them to get a check made out or a new card issued to me, they told me the funds are forfeited when the cards expired. They stated that these cards have an agreement with my employer ( who provided me the cards ) that the funds expire after the expiration on the card. I asked them to furnish the agreement to me so that I can validate their policy. They said they can not do that. It is completely inappropriate for them to take these funds as profit for themselves simply because the cards expired.

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 2022-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried mailing supporting documentation and uploading online but continue you to have issues.

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 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
We have been told so many conflicting things regarding our mortgage loan. We have sent payments to only have them returned for no reason, but when we ask, we are told due to the status of our mortgage loan account. Then we are charged late fees and added interest on the returned payments. We have gotten letters stating we are current on our mortgage and no payment is due with a given date of two months later. We get loan modifications of ridiculous terms of 40 year term and balloon payments due after 5 years. We never speak with the same person, we get calls from weird phone numbers like +10 instead of a 10 digit phone number. We were told on Monday, XX/XX/2022, no worries on foreclosure. They said they would mail a packet out to us to fill out and return or we could go online to complete. We get a call on XX/XX/2022, stating we are in active foreclosure and gave me an attorney name and phone number. We very suspicious and concerned about our mortgage company as they don't seem to have it all together by not supplying our loan servicing needs. The amounts are constantly changing, we have a hard time receiving information we have requested. To be honest, we feel they are wanting us to sign a loan modification which we do not agree with the terms. We are concerned of loosing our home because communication is so poor and nothing is consistent. We want to pay our mortgage and pay it monthly. We just want to be treated fairly and things be consistent regarding information, charges & other important information about our mortgage loan. This situation has really taken a toll on our health by stressing not knowing what will happen next.

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 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account can not be linked with the bank and withdraw cash. I have sent emails to PayPal customer service representatives many times, but the problem has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Balance has been charged off FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account has received a cash withdrawal email notification after 180 days, but I can't linked to the bank and withdraw cash now. I have contacted customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, XXXX  XXXX : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX  XXXX  : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of XXXX itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I sent this collection agency a debt validation request on two occasions because I noticed this alleged debt was reporting on my consumer files with XXXX XXXX and XXXX. my first request was sent XX/XX/2022 at the address specified on my consumer file Hunter Warfield Inc, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX with tracking number XXXX. The company received my letter on XX/XX/XXXX XXXX my second attempt was sent XX/XX/2022 at the address specified on my consumer files Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX with tracking number XXXX the company received my request XX/XX/2022. I have not received any correspondence back from this collection agency and I am beginning to think this collection agency can not provide the information I have requested from them to make this alleged debt valid and legal for me to pay, possible causing this account to be fraud. my first request I asked for validation of the debt. my second request I put there company on notice of the violations there committing by not responding or providing what I had requested from them. this collection agency still reports this alleged debt on my consumer files. I dispute the account with the XXXX XXXX and XXXX and the results they provide are either updated or verified. why is it that this company can respond to indirect disputes with the consumer reporting agencies but cant respond to my disputes directly? I was never notified of a initial communicantion before the debt was reported, I was never given a chance to dispute the debt, I still have not received any type of validation, notice of sale, a signed contract with my signature, or any type of communication from this entity, the reporting of this account was never ceased on my consume files after they received my validation request and until validation was provided but they continue to report on my consumer file. this is not fair to me I've already tried giving them two chances to respond and plenty of time to receive the information they have in there files at my contact address. if this collection agency cant provide the legal documentation to make this debt legally valid for me to pay then the reporting of this account on my consumer files is considered to be fraud until proven innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have tried mailing supporting documentation and uploading online but continue you to have issues.

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 2022-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried mailing supporting documentation and uploading online but continue you to have issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: FL

Complaint narrative:
false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Credit Card Statement showed that the prior period 's balance or " Statement Balance '' was paid in full/excess.

New charges for the current period were treated as an outstanding balance and charged interest. The charges should not have been accrued on the Statement Balance and subject to interest until the next period.

After calling the company the representative reviewed the statements and agreed that interest should not have been charged as the current due balance was fully paid. The representative agreed to reimburse the interest charged to the credit line.

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