vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
I have been working to resolve misapplied through LoanCare 's Payment Research department for the past 5 months for our mortgage through XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I submitted copies of checks going back to XX/XX/XXXX as proof of timely payments, but I have been asked 3 times for supporting docs. Each representative I speak to states Payment Research will get back with me after reviewing, but I have yet to hear, or receive correspondence from this department. The customer service rep that I spoke with the first week of XXXX could see that payments started to be misapplied in XXXX, but to give the company until XXXX XXXX to review. When I spoke today with service rep, my payments are still misapplied and he was unable to see specific checks that have been through the bank. We have requested to speak with the fraud department as well and these requests have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
transubion removed most of what you went for except for hard inquirys from XXXXXXXX XXXX XXXX etc can you rey to get these ro thanks

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 2021-12-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied XXXX XXXX XXXX  and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My bank is processing extra payments in a way that results in me paying more interest. I made an extra payment along with a payment due in XX/XX/2022. Wells Fargo Home Mortgage applied the XXXX 2022 payment before the extra principal payment, resulting in less of my XXXX 2022 payment going to principal.

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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 ( Original Creditor : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-24 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: CCB Credit Serivces, Inc
State: IL

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Bridgecrest has deemed me " ineligible '' for autopay, resulting in numerous unnecessary fees, which I want refunded. I want to be on autopay. I have tried to speak to a manager, all of whom refuse to take my call and do not deliver promised callbacks. Complaints submitted to the company have gone unaddressed and unresolved.

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 2021-12-24 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
There is an account on my credit report ( XXXX XXXX that I do not recollect opening. 

I sent a letter to the creditor, Comenity capital bank asking for information on this account but more importantly, I would like a copy a contract/ and or what was bought at XXXX so I could investigate it. 

Comenity capital bank sent a letter back to me saying the account in question was sold on XX/XX/2019. 
Im not sure how they can report this on my credit without validating this account at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/ 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I requested information on removing the PMI from my mortgage. A form was mailed to me describing the options to remove the PMI. One of those options was to have the house reappraised and if the new value of the home brings my XXXX below 80 % the PMI can be removed. I paid over {$500.00} to have the appraisal done. After the appraisal I received a letter that the request to remove PMI was denied because there was not " substantial upgrades '' done to the home. One of the stipulations was that if the loan is less than 2 years old there needs to be substantial upgrades. Before I agreed to have the house appraised I personally believed there were substantial upgrades and I listed them on the form. There was never a list describing exactly what substantial upgrades consisted of. So, even though the house appraised for a significantly higher value to bring the XXXX down below 80 %, the request was denied. 

I spent countless hours and spoke to countless people and explained to them that I didn't think it was fair because I didnt receive a list of what " substantial upgrades '' consisted of. If I had known what that list was I would never had agreed to spend money to have the house reappraised because I would basically be throwing money out of the window. 

This is what I really have a problem with ... After requesting all the signed forms I received two different forms from them. One is the form I signed requesting a reappraisal and nowhere does it state what substantial upgrades consisted of. An additional form was sent to me that mimics the one I signed but the only difference is it states exactly what substantial upgrades are. It looks to be a modified version of the one I signed. I feel that the company altered the document to reflect what substantial upgrades were and sent that to me. This form was not signed and I definitely did not receive it. I have a well kept file of all documents received from the bank. 

I have received customer service that is far below what I would have expected. I have spent hours on hold and spoken to multiple different associates who all seem to not have a grasp on exactly what is going on here. I feel that this company has taken advantage of me during a time that large companies should be looking for any way possible to help out a fellow citizen. This company has not budged at all or offered any resolution to my concern. I have been an outstanding customer and have made all of my payments in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I opened a Venmo account on XX/XX/2021 to pay a friend. That transaction went through just fine. 

On XX/XX/2021 the same friend needed to send me XXXX At that time I learned my Venmo account was XXXX. 

I contacted Venmo through email and received responses indicating that I somehow violated their user agreement, and to unfreeze my account I need to send them a copy of my government ID. 

They have given me no explanation as to how my account violated They also say they sent me an email on XX/XX/2021 stating this BUT I never received that email. 

At this point I NO LONGER WANT OR NEED A VENMO ACCOUNT I called this morning XX/XX/2021 to find out how I completely close my account. 
I spoke to XXXX and then a supervisor named XXXX who said they can only close my account if I unfreeze my account by sending my government id. 

I DO NOT WANT TO DO BUSINESS WITH THIS COMPANY AND HAVE XXXX FAITH IN THIS BUSINESS. 

I SHOULD NOT HAVE TO SEND A BUSINESS I DONT WANT TO DO BUSINESS WITH MY PERSONAL GOVERNMENT ID. 

I WANT MY ACCOUNT AND ANY INFORMATION ABOUT ME TO BE REMOVED FROM THEIR SYSTEM AND I SHOULDNT HAVE TO GIVE THEM MORE INFORMATION TO DO THAT. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX - Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have had this card since XXXX of 2021. And I pay very well on it by the love and will of Jesus Christ and our loving precious father God. I do believe these companies think they can take advantage of older people I am ( XXXX XXXX XXXX ) I have been paying monthly payments on this credit card since XXXX of 2021 and every day up until now this month XX/XX/2021 I have payed my monthly bills. I had no earthly idea that the company wasn't applying my monthly payment 's. Okay my first payment was in ( XXXX of 2021 and I payed XXXX payment for XX/XX/2021 ) then thereafter I have been ( paying from XX/XX/2021 to present XX/XX/2021 XXXX month 5 months I have payed my bill to them faithfully ) then I decided to check the balances over the phone because I would have never! In my life thought my bill was still at a balance of ( XXXX when I only had a spending balance of XXXX I am like what??? I have payed those people 's XXXX on a XXXX store credit card and they have not! Applied my payments toward my balances. I called them and asked them for my statements several times and they refused to send me my statements to my new address from the beginning and they will not sent me my statements I called and called several of them that work for this company plus mangers and all. They are refusing to add my payments I have payed them and they are refusing me my monthly statements from XXXX up until XXXX and they will not give me print outs are where are what they have done with all my payments. It's terrible I have payed these people 's and they not applying all my monthly payments. It's no way I have payed them ( XXXX ) and my bill is still XXXX because they only had given me XXXX store credit. I told them it's illegal fraud and thief they told me boldly and coldly you will not get your statement 's from your payments each month we will not sent them too you cold heartedly and they have not! And never sent me anything about my monthly payment 's not applied and never been applied. Be blessed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had an account with Chime bank for the last XXXX years without a problem, last year I signed up for Chime 's secured credit card to help raise my credit score. I use my checking account to transfer money from my XXXX and use the credit card for bill pay. I haven't had any problems doing so over the last year. On XX/XX/XXXX I tried to log into my account and received a very small notification on the screen saying my account was closed and if I thought this was in error to contact XXXX. I thought this is surely a mistake since I wasn't notified in advance of my account closure and thought I'll try to log in tomorrow and see what happens. I tried XXXXhree days in a row before I sent an email to Chime. On XX/XX/XXXX I received an email stating my accounts had been closed for the following reasons : " Account does not comply with internal policies and. or the member agreement. '' no further explanation for how/why my account was not in compliance. In the same closure letter I was informed that if I had money in my account a check would be mailed to me within the next 30 days ( that's is insanity to have to wait that long for money that belongs to me!!! ) I was also informed I am not eligible for a refund of MY funds without any further explanation. On XX/XX/XXXX I sent an email and received a response that basically stated due to security reasons I have to email them from the email Chime has on file for me so they can assist me with my problem. I went ahead and sent an email from the email address they had on file the same day ( XX/XX/XXXX ) and still have not heard anything in response. I sent another email today ( XX/XX/XXXX ). I tried to call the customer services number but since my phone number is registered to my account I just get an automated response saying my account was closed and I need to email them for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
COMPANY REPORTED A COLLECTION ACCOUNT FOR {$130.00} on my credit report for an account that is not mines. They have refused to try and resolve this or remove this off my report. all they say is they cant talk with me because its not my account. I called and they hung up on me 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TMX Finance LLC
State: GA

Complaint narrative:
TITLE MAX OF GEORGIA is claiming that I owe an alleged debt from XX/XX/2021 in the positive balance of {$2800.00} with the finance charge being {$320.00}. In the written initial communication, I noticed several violations such as billing errors, reflecting an alleged debt owed in a positive balance, referring to the consumer in all capital letters instead of referring to the consumer as a natural person in proper spelling, charging the consumer unlawful charges outside of the finance charge. I also noticed that in the written initial communication, I was not given the proper forms and full disclosure about my right to rescind and my right to opt out of anything being reported to consumer reporting agencies. So, I sent a notarized debt validation letter on XX/XX/2021. TITLE MAX OF GEORGIA never responded which is another violation. Next, I sent a notarized cease and desist notice stating my demands based on the violations on XX/XX/2021 after receiving multiple calls from TITLE MAX OF GEORGIA attempting to collect a debt. On XX/XX/2021, I sent a notarized affidavit of truth with exhibits attached based on the same violations to TITLE MAX OF GEORGIA with a bill of particulars attached. On XX/XX/2021, TITLE MAX OF GEORGIA responded by sending me a letter stating that they received my notices but still believes that I owe this debt and attached a copy of the electronic agreement with " PAID '' written across the pages. TITLE MAX OF GEORGIA is willfully neglecting my consumer rights and the documents I have sent to them. All of these documents were sent via XXXX certified mail to the registered agent of the company. I have prepared a default and opportunity to cure to the company due to not responding in the time frame given on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
the complaint is against one main financial located at XXXX XXXX in XXXX NC. i called them to inquire about a vehicle loan and that i might be interested in getting one. i told them once i pretty much found something, i would call back, after i did some shopping around online or in person. i found something i liked, online. so i called one main back but this time they never answered my calls. i tried calling a few or a couple of times and calls went unanswered. i know i had poor credit in the past, but it is good now. very good. and i explained that to them. and that i worked on my credit to bring my scores way up again. but that gave them no reason to ignore my calls. i know they were open and not closed because they normally close around XXXX or so and i called way before that time. but that's ok. dont bother calling when it's time for a payment. i will block your number and i am going to have these accounts removed from my credit reports

Company response to consumer: Closed with non-monetary relief