vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
This is a second complaint in reference to CFPB COMPLAINT ID XXXX, in which XXXX XXXX from U.S. Bank responded to this complaint on XXXX XXXX, XXXX. XXXX did not address the crux of the issue, and that is that U.S. Bank knowingly and deliberately failed to follow applicable consumer and fair lending practices laws when investigating my complaint to them in XX/XX/XXXX. I was not once contacted by the appropriate department at U.S. Bank when I made complaints of discriminatory lending practices for my Simple Loan applications to U.S. Bank. XXXX XXXX 's investigation took much longer than 30 days, and at no point was there any communication as required by law, whatsoever, to notify me of the status of the investigation or that the investigation would take longer than required by law. XXXX XXXX 's response on XXXX XXXX does nothing more than vaguely apologize for the delay in investigating my complaints -- a delay that was unlawful, according to Fair Credit Reporting Act and other consumer laws that require U.S. Bank to have contacted me both about their investigation and their large delays in their investigation, which were far greater than 30 days. I would like U.S. Bank to hold XXXX XXXX accountable for her deliberately not following internal and external policies as they related to investigating my complaint and the intentional delays in their investigation, none of which were communicated to me. If U.S. Bank did not act lawfully, then I request that they be held legally liable. If XXXX XXXX did not act according to U.S. Bank policies and procedures, then XXXX needs to be held fully accountable for her failure to act. Finally, U.S. Bank still does not address that, despite XXXX years of my complaints concerning the denials I received for their Simple Loan product, it took me making a legitimate complaint of discrimination to understand what " poor deposit history and credit performance with U.S. Bank '' actually meant. U.S. Bank is willfully neglecting to acknowledge that they allowed these vague, non-specific denial reasons to be sent to me, and not once were they investigated to provide a specific, detailed reason of what the denials meant -- until I made a legitimate complaint that I believed they had discriminated against me in the lending process. I would not have continued to apply for the Simple Loans had U.S. Bank 's denials clearly and sufficiently explained what " poor deposit and credit history meant. ''

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 2022-02-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank cancelled my auto-payments without notice. I had a 100 % payment history since XXXX. They claimed they told me that payments would only be scheduled for 12 months when I spoke with them in XX/XX/XXXX to reset them. However, they did not tell me. I was told they would continue indefinitely. When I called Chase to dispute that they told me that, they said they would find the phone call recording. A week later, they wrote back to me THEY COULD NOT FIND THE RECORDING. 

The only reason I was alerted that my accounts were past due was because credit monitoring services alerted me. Not because Chase did. By this point, it was too late to prevent harm from my credit score. Upon this notice, I completed payments in full and became immediately current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I made a transfer with Remitly and within 40 min I canceled the transaction. This happened Sunday XXXX the XXXX and now they are telling me that it will take 10 business days to get a refund from them. I spoke to my personal bank ( XXXX XXXX ) and they are telling me that once the funds are refunded they immediately deposit it into my account. So, XXXX not my banking institution that is holding my funds. Is Remitly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 payments from my Escrow account were payed to the wrong parcel number. The amounts were XXXX and XXXX respectively. My mortgage company is Freedom Mortgage and they didn't even know a mistake was being made until I received a past due notice from XXXX XXXXXXXX Real Estate Tax Office. Freedom mortgage then payed the correct parcel number from my escrow account which caused my escrow account to be lower than it should. To remedy this they are charging me a higher monthly payment to catch up my escrow balance to where it should have been. When I asked Freedom Mortgage to contact XXXX XXXXXXXX Real Estate Tax office they did, however they followed up with me to let me know they couldn't fix their mistake and that I needed to call and ask for a refund. It was only when I reached out to the tax office that they informed me that there wasn't just one incorrect payment but two, costing me more than XXXX XXXX dollars which was pulled from my escrow account and paid to the wrong person 's account. Not only did Freedom mortgage make a mistake, but they weren't able to fix their mistake. Therefore I had to handle their mistake with the tax office and in the interim I would be charged a higher monthly payment until I fixed their mistake.

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Last year I was struggling to make payments due to a burdensome XXXX XXXX  obligation. My mortgage company sent a letter to my insurance company stating that the home was in foreclosure and that I no longer occupied it. Neither of these were true. This resulted in my insurance company cancelling my renewal and my mortgage company force placing insurance on the house. The insurance company asked for a letter stating that the home was no longer in foreclosure and the mortgage company refused, stating that they don't send out letters of that nature. They also denied sending the letter to my insurance company. ( See attachments ). In addition, the mortgage company makes paying the mortgage online so complex that I am rarely able to accomplish it. They do this by making you verify your phone number/computer/etc. by placing the code that they send you into the password area of the log-in. Of course, this means that you can't save your password. Even after they send one, the website is very confusing by dint of the phraseology they use. Do you want to " continue '' or " reset ''? I am a Certified Fraud Examiner and it is my belief that they do these things deliberately in order to a ) force you to make your payment over the phone ( {$15.00} charge ) b ) actively encourage late payments, in order to late charge fees AND keep you from re-financing somewhere else at a much cheaper interest rate. c ) They also reject your payment if you don't listen to the recording to the very end. I've talked to my collections people and they tell me that the only reason a system would be set up this way is to take advantage of the consumers, especially, older, less tech. savvy people. This is an extremely predatory company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: MD

Complaint narrative:
This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for total XXXX. After investigating with total XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Last year during Texas winter freeze my house suffered significant damage due to 3 pipes bursting. My insurance company issued a check for over {$81000.00} for damages to home. 
Check was then sent to Loancare LLC, they stated i needed to find a contractor to fix home as they will be disbursing the checks. Our contractor was given a first check of {$40000.00} which was half of the quote. As Loancare LLC inspected the house they stated I was at 38 %, the contractor was informed that they will not be receiving any more checks due to not being at 50 % of work. Construction workers showed up to my house and they camera caught them stealing the materials ( sheetrock and lumber ) as well taking prostitues and having parties in my home. When confronted the contracted and workers never came back to work. As i contacted Loancare they specified there was nothing I could do at this point but buy the materials and pay out of pocket and they would reimburse me. I would no longer be able to hire a contractor as there is not much money left. I had to hire handypersons to work on plumbing, painting, siding and tile work. I have been paying out of pocket and have had trouble for this company reimbursing me back. The check released afterwards I had to make multiple phone calls and was told to pay everything out of pocket and when house is complete they could reimburse me. I don't have extra money on my bank account much less {$40000.00}, this past month i was late on my mortgage as it reflected on my credit report because this company took over 6 weeks to send me my check back. I have some outstanding receipts that they have not paid me and have been very clear that this is money that was given to me from my insurance company. I don't believe what they are doing is right, I am unable to pay for home repairs as well as mortgage at the same time. They lied to me stating they would reimburse once I paid the handyman as well as material and now they are backing out and they still have money that the insurance sent.

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 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In XXXX of 2020 I was XXXX  for 26 days. I hade XXXX XXXX XXXX XXXX XXXX XXXX within a matter of 2 weeks. I applied for XXXX and it was approved for XX/XX/XXXX of 2020. But for the 2 weeks of XXXX I was not covered. Now on my Credit Report, from Progressive Management System, there is a collection debt of {$310000.00}. There is also another collection for {$1600.00}. There is one from XXXX XXXX XXXX for {$810.00}. These are all on my credit report. I have tried to get help from XXXX XXXX XXXX applying for Retroactive assistance, but no answer yet. I have read about applying for 15 USC 1681 A3. Is this something that will help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Collection : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXXXX US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018 Late Close : DPT EDXXXX XXXX Balance : {$0.00} Late Open : DPT EDXXXX XXXX Balance : {$3600.00}

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 2022-02-22 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: TX

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2022-02-22 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

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