vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AE

Complaint narrative:
Planethome lending did not pay my escrowed taxes on time and forced me to pay the late fees of {$200.00}. 

As an XXXX XXXX military member living XXXX  I have XXXX rental property back in the United States. I was previously with XXXX XXXX after I realized my mortgage was sold to Planethome lending around XXXX XXXX XXXX 

Around XXXX XXXX XXXX  I get a mailed notice from my local county tax office saying the taxes are delinquent, the deadline is XX/XX/XXXX or my house will go into tax sale. I call Planethome tax department and they inform me the taxes were paid. Planethome lending paid the first installment not the second installment. They informed me to send in documentation on their online web portal to justify my case. Well they say a formal response will be issued with in XXXX  days. At that time I did not have XXXX  days to wait around and maybe get the correct response so I paid the bill and excess myself to prevent any litigation or my home going into tax sale. Low and behold Planethome lending paid the same bill minus the late fees a couple of weeks later.

After uploading all documentation on multiple occasions and emailing it to their customer service, today I get a letter saying my tax bill was revised to due an exemption and therefore is the customers responsibility, they are unable to refund the late fees/penalty.

1. First off my exemption status for the year XXXX did not change. Illinois pays property taxes for the previous year. 
2. All the tax bills from the entire county were due at the same dates. Planet home lending paid the bill late.

3. I have rented out homes for XXXX years using mortgage companies and escrow and never once have I paid the taxes out of my pocket.

4. If the taxes were my responsibility why did Planethome make any of the payments at all?

5. If planethome was not going to pay my taxes they should of communicated this to me beforehand and not collected taxes in my mortgage payment. Couldn't they have communicated to me prior to this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Main Resolution Group
State: NY

Complaint narrative:
I received a voicemail on XX/XX/2023, from a man named XXXX XXXX, informing me that there was a " pre-litigate complaint '' forwarded to his office that morning. He said I had XXXX hours to reply with a verbal statement about my intention regarding the debt. 

I knew throwing around hints of a lawsuit was an empty threat, as I had received no written communication regarding one, but I made sure to call back to see what this is about. 

I called XXXX back on XX/XX/2023. He informed me that an old payday loan I defaulted on with a company called XXXX XXXX XXXX had escalated to the point where they were pursuing legal action against me. He said notices had been sent to an old address of mine. I informed him I no longer live there and have received no notices. Rather than ask me for the correct address to send notices to, he went straight for payment. 

I was given the option to either pay {$2700.00} now to settle the debt or be sued for over {$6000.00}. According to him, the ability to pay in installments was no longer an option. 

I informed him I intended to pay the debt and had always intended to pay the debt, but that I don't have {$2700.00} right now and it would be at least a XXXX  before I do. He said I have until Monday before they send my file to the attorneys. 

Once again, an empty threat -- Monday is XXXX XXXX XXXX XXXX. I'm pretty sure neither he nor any attorneys will be working. 

Nonetheless, I told XXXX XXXX I would attempt to come up with the money by Monday. My plan was to look into loan options or put off paying some other bills in favor of settling this debt. 

However, on XX/XX/2023, I received another voicemail from XXXX XXXX. This one accused me of blocking his number, which I did not, and that they're now going to forward the complaint to the attorneys as a " direct refusal to comply '' even though I made a verbal promise to pay just the day before.

At no point in any of my communications with XXXX XXXX was I given a " Mini-Miranda Warning '' in accordance with the Fair Debt Collection Practices Act. Even though XXXX XXXX works for a pre-litigation firm and not a collection agency, my understanding of the FDCPA is they are still bound by the same debt collection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account 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

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 2023-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
So here is the issue and I will attach all proof to this complaint, I filed a case on XX/XX/XXXX, my document was requested on XX/XX/XXXX and I sent it, the company confirmed receipt of this documents via email, this case would take XXXX days, this case would end XX/XX/XXXX, to my surprise this company sent me a letter on XX/XX/XXXX that my case will be completed XX/XX/XXXX, this company lies a lot as this is not part of the card agreement before XX/XX/XXXX, I will not be violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: PA

Complaint narrative:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have discovered that XXXX XXXX XXXX XXXX XXXX. That XXXX departments are reporting to the credit bureaus. XXXX in particular is Equifax and I submit proof of the alerts. 
I found that the dispute department at XXXX XXXX XXXX XXXX. They were reporting past due delinquencies on a paid off and closed Auto loan. 
Therefore creating XXXX to XXXX  days past due delinquencies. Some how I disputed this with the loan service department. They modified and updated the error in findings. See Attached Document. 

This account is reporting to XXXX as XXXX  days past due. This account also has different last update on XX/XX/2023. Equifax is also reporting not more than XXXX past due payments. Having a different last update of XX/XX/2023. Equifax was still receiving information on a paid off and closed account for XXXX consecutive months. 
Hence the delinquency being my complaint. XXXX reports paid account satisfactorily with know delinquency indicated. 

I have attached the proof of one account reporting twice. At the same XXXX time with conflicting damaging status payment information. Along with that I have attached a confirmation updated information. That was mailed from Equifax informing me of XXXX XXXX XXXX XXXX XXXX results from the dispute. I took the liberty of attaching the account payment History. That clearly shows the closes account was still being reported. After XXXX department closed it out and the other continued to run over into delinquencies of past due late payments. 

Lastly, I file a dispute with the dispute department that's reporting the past due delinquencies after the account was closed in another department within their own company. I ask that this finally resolve this problem I've been disputing for XXXX months. Please fix this problem so that I put this ordeal behind me at last. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Is Marcus by Golden Sachs having issues with the Federal Reserve? I have been trying to withdrawal money since the XXXX. & they state they are sending it but it take 3 days which we all know it does not take 3 days to send money by ACH or Wire. They have caused me to loose my interest rate. Plus the stress is unreal for them not releasing my funds. I still have not received this money and I have tried 4 times to withdrawal money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian I disputed XXXX inaccurate late payments on my XXXX XXXX car loan and they refuse to have it corrected. They will only update the information on the account which is incorrect.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Myself and a work colleague XXXX XXXX both applied for the credit card with an advertised Apr of 23.00 %. when I recieved the cards the interest rate was 29.49 % and Chase would not tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a refund processing from XXXX as of XX/XX/XXXX, chime bank informed the refund window was from the XXXX and now they are stating its not until the XXXX of XXXX, which was when XXXX to have confirmed refund back to my original form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
This was a case of identity theft. I never opened this account in my name. I have no recollection of obtaining or opening this account, my identity was stolen years back this has to be a part of that situation. I'm asking them to drop/close the account I had/have nothing to do with this account ever. It's not me.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like a full report on all the payment dates, late payments, payment amounts, all amounts owed, the credit limit and all information they used to prove the information on this closed account was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like a full report on all the payment dates, late payments, payment amounts, all amounts owed, the credit limit and all information they used to prove the information on this closed account was accurate.

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 2023-12-30 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had fraudulent activities on my checking account. Business account unauthorized purchases that I said I did not purchase, and Wells Fargo said they will not return my money and process my fraud claim because theyre claiming that the fraud charges were authorized by me which they were not the amount is up to {$4200.00} and its affecting my business because the money was taken out of my business account now I do not have working capital to run my business.

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 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I applied for a conventional loan at Wells Fargo Bank and it was pre-approved. 
But, when I made a purchase contract, the loan was denied. Wells Fargo wanted to change a conventional loan to a FHA loan. But I was approved for a conventional loan. 
XXXX, the loan was denied.

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 2023-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have already filed one complaint here and the case was closed. They said they sent a settlement and consent judgement on or around XXXX XXXX and that they havent received it back from me. I got this letter on XXXX XXXX and sent it back signed immediatley. I dont know why they are saying they havent received it. I hope they are not lying because they want this to go to court or a default judgement. Please look further and find the signed paper I sent back. I have already made 3 payments towards this agreement and they have readily taken it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting 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:
XXXX is falsely reporting delinquemt information on loan # XXXX as 30 days delinquent tanking my credit score. They deceptively reported XX/XX/2023 as 30 days late to the credit bureaus TWICE on XX/XX/XXXX and XX/XX/2034, tanking my personal credit score XXXX points and inflicting credit harm!!! This is a flagrant violation of XXXX practices with malicious intent as XXXX had received multiple payments and as demonstrated in screenshots i provide here. XXXX  by its own records is telling me my account is current and paid in full.

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 2023-12-30 00:00:00
Product: Credit reporting 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:
XXXX is falsely reporting delinquemt information on loan # XXXX as 30 days delinquent tanking my credit score. They deceptively reported XX/XX/2023 as 30 days late to the credit bureaus TWICE on XX/XX/XXXX and XX/XX/2034, tanking my personal credit score XXXX points and inflicting credit harm!!! This is a flagrant violation of XXXX practices with malicious intent as XXXX had received multiple payments and as demonstrated in screenshots i provide here. XXXX by its own records is telling me my account is current and paid in full.

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 2023-12-30 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acoount # XXXX, XXXX  Account # XXXX, XXXX ACCOUNT # XXXX, XXXX ACCOUNT # 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

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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