vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
My loan was transferred to a new servicer without the legally required 15 days notice. I was notified via TEXT MESSAGE on XX/XX/XXXX that effective XX/XX/XXXX ( 14 days later ) that my mortgage would be transferred to a new servicer. This is a clear and blatant violation of title 12. Specifically 12 CFR, section 1024, paragraph 33 ( b ). The contents of this notice were also missing sections 2-6 as outlined below, thus making the notice invalid. 

( ii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferee servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferor servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iv ) The date on which the transferor servicer will cease to accept payments relating to the loan and the date on which the transferee servicer will begin to accept such payments. These dates shall either be the same or consecutive days ; ( v ) Whether the transfer will affect the terms or the continued availability of mortgage life or disability insurance, or any other type of optional insurance, and any action the borrower must take to maintain such coverage; and ( vi ) A statement that the transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a bank account at Suntrust 2 years. This bank was bought by Truist Bank.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to XXXX XXXX XXXXXXXX XXXX XXXX They should not have made this incorrect charges/errors. The ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.

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 2023-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Debt USA, LLC
State: VA

Complaint narrative:
Hi, In XX/XX/2019, a company called, XXXX XXXX and XXXX XXXX reached out to me to assist me with my eligibility for student loan debt relief. I spoke to XXXX XXXX, who no longer works there and was promised that if l paid {$1200.00}, in installments, I was promised that XXXX would handle any and all documentation regarding my repayment process and that did not happen. XXXX did not even have the ability to do so as they transferred the loan to XXXX less than one year after our agreement. 

I would like to be refunded the {$1200.00} l paid for services l was promised and never received. They called using the name XXXX but the withdrawals were made to XXXX XXXX and Student Debt USA, which they claim they only contract with but do not actually charge the clients. Now almost 5 years later, l have found the fraudulent businesses that charged me {$1200.00} to process all the necessary paperwork regarding the repayment of my loans. I was told it would be taken care of by and that did not happen and l would like my money returned. The process departments of all three of these businesses have never returned my calls or emails that l sent. I am now aware of the unethical and potentially unlawful practices of the scamming companies and would just like my money returned. It is a great deal of money to my family and l and especially during this time we do not have money to lose at the hands of dishonest people making illegitimate promises. Any help regarding this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-04-18 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for 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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The PayPal user XXXX XXXX ( XXXX ) scammed me via two transactions ( Transaction IDs XXXX and XXXX ) for {$89.00} in total on XX/XX/2022. They promised me 2 concert tickets in return during our conversation on XXXX, which I never received. As soon as I paid via PayPal using my XXXX checking account, they blocked me or deleted their XXXX account. 

The money will not reach their account until XX/XX/XXXX, and I would like my money back before then. I have filed a dispute with PayPal and would be extremely grateful for any assistance you can provide. I hope a conclusion can be reached and I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I am a customer of continental finance, by way of Celtic bank.On or around XX/XX/XXXX, I disputed a charge of {$620.00} with my credit card department. Followed all procedures and answered all questions. On or about XX/XX/XXXX the dispute was finalized in my favor and I was awarded a credit of {$620.00} and also was sent a letter stating so. I then called in the following month, XX/XX/XXXX, and was disgraced to find out that the disputed balance of {$620.00}, had been reapplied to my account. This reapplication then created a balance owed of {$1800.00}, taking me over my credit limit. This is the only card I have in a negative status as I have worked hard over the last 2years to rebuild my credit. This also came at the worst time and disqualified me from the ability to purchase a home. This has effected me as well as my family.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
For the last ten years Equifax has held up my free annual credit report. The only way I'm able to get my free annual credit report from Equifax is by filing an annual complaint with the CFPB. 

I ordered all three of my credit reports once again this year and once again Equifax has held only my free annual credit report. All of my other free annual credit reports have arrived and my wife 's Equifax credit report has also arrived with her others. Her free annual credit reports were requested at the exact same time that my free annual credit reports were ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had trouble paying my Commenity Bank credit card during covid and they started ramping up interest fees and late payments. I contacted them through the online portal to arrange a payment schedule and try to eliminate the fees. They began calling me constantly and after a few times, I refused to answer. I have been paying {$75.00} a month for the last two and a half years and they keep assessing fees and have jacked my interest to almost 30 %. My balance started at about {$4400.00} and has now risen to about {$4700.00} with fees and added interest. And they call five or six times a day. I have continued to try to resolve this through email, but they insist on calling, and I frankly don't trust my data with a third party in another country. I can pay XXXX XXXX/month under a reasonable interest rate. They have just continued to add on monthly fees and have made my current minimum payment over {$600.00}. I have been faithfully paying XXXX XXXX/month the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for 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 non-monetary relief
Consumer complaint received 2023-04-18 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: IL

Complaint narrative:
EXPERIAN did not follow procedures to validate and verify the account from XXXX XXXX XXXX. EXPERIAN did not conduct proper investigation before or after disputing this 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 2023-04-18 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: NY

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX I made a large deposit at chase bank. 2 checks payable to me. One for {$10000.00} and another for {$15000.00}. 
XX/XX/XXXX i was told the funds would be available. In the app, it showed an available balance of XXXX. But i still had no access to the funds. I called chase customer service. Chase put my account in restriction. They told me the checks could not be verified through their system, and that one of the checks had been altered. I complained to them about arresting my earned income from direct deposit and that I was expecting a child support payment. Some one made a note on my account about an ach payment that I should be allowed to withdraw at the bankers discretion. I eventually did withdraw the ach payment. Also the check for XXXX, was verified. 
XX/XX/XXXX chase attempted to verify the phone numbers. Again! For the check of XXXX I go to a local branch and speak to 2 bankers who seem confused about why chase is having issues with verification. They call customer service and CS tells them they will hold the money indefinitely. 
XX/XX/XXXX After 10 days of my account being in restriction chase closes the account. 
XX/XX/XXXX local branch manager tells me chase closed my account, I will be receiving 2 checks. One for the direct deposits of my an my mis ands income, and onefor the XXXX. I received them. 
XXXX receive a cashiers check in the mail for XXXX XX/XX/XXXX I receive a cashiers check from chase for the XXXX XX/XX/XXXX. The XXXX still arrested with no hope of verification. 

The checks for XXXX XXXX was presented for payment on the XXXX of XXXX by chase to XXXX bank. And XXXX released the funds to Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: NY

Complaint narrative:
To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and conrm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

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 : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-04-18 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation