vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We had a 3.375 % 30 year fixed rate mortgage with US Bank on our primary residence with approximately $ XXXX in principal left on the note. In XXXX XXXX XXXX  we lost our home to the XXXX wildfires. Our insurance paid out more than $ XXXX, which was being held in escrow by US Bank in order to rebuild our home. 

( 1 ) in the state of California mortgage companies are required to pay 2 % interest on monies held in escrow accounts such as this. US Bank refused to pay us any interest on the funds being held, including the amount held over the principal.

( 2 ) US Bank refused to release any of our funds until we had architect stamped floor plans submitted to them, including refusing to release any funds for debris and tree clean and removal. To date we have had to spend over $ XXXX to get to the point where we have stamped plans.

( 3 ) US Bank refused to allow us to rebuild anything other than a 5 bedroom 4 bath home, despite the fact that our previous home was permitted at 3 bedroom 3 bath, and that was what we were allowed to rebuild by the County without triggering onerous permitting restrictions. This is despite the fact that even a 3 bedroom 3 bath home would be valued at much more than what was remaining on the note.

This forced us to pay off our mortgage in order to rebuild our home, despite the fact that we did not want to. We were concerned that rates would rise and we would be required to take out a loan at much higher interest rates. We are now in that position and rates have gone up to the point that we are now concerned that we wont be able to afford a new mortgage once our home is rebuilt.

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 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: WI

Complaint narrative:
I was injured in a fall while out of town in a tourist trap in XXXX WI called the Wisconsin XXXX where i hurt my shoulder : I went to what I was told to be an Emergency Room, XXXXXXXX XXXX XXXX for treatment, and was released ; When I was billed i was informed that iit was Associated with XXXX XXXX XXXX and was charged XXXX because the facility was coded as an Urgent Care facility and not an Emergency Room. My insurance carrier would not cover some costs because it was an Urgent Care to an Emergency that i was lead to believe it was and would have been covered by my medical insurance : It turns out that iwas only an Emergency room after XXXX PM at night and I went they a XXXX PM ; Nowhere was this posted or told to me : I protested the charges on the phone and in writing many times XXXX XXXX XXXX XXXX ignored my requests and sold the debt to MEDICREDIT XXXX FOR COLLECTION ; i ALSO CALLED, WROTE AND DISPUTED THE CHARGES WHICH WERE IGNORED AND SUBSEQUENTLY REPORTED As BAD DEBT COLLECTION ON MY CREDIT REPORTS ; i requested the Credit Reporting agencies to investigate and remove the derogatory information on XX/XX/XXXX, They ( XXXX ) claimed they investigated but appears to only validated what the collection company reported with the collection company and the bad debt remains on my credit repair until XXXX. This debt was never justified, never past due and never paid, yet the mark on my credit report claims it was paid and was in collections impacting my credit score : While only a small debt, it clearly points to just how the debtors and collection companies are using their power and illegally weaponizing credit collections by reporting in violations of the Federal Credit Reporting Act. It is requested the CFPB fully investigate the practices of XXXX XXXX XXXX XXXX XXXX WI and the MediCredit XXXX of Maryland for violations and abuses of the credit debt collection and reporting processes : Furthermore, It also requested that the CFBB reevaluate the practices of the credit reporting bureaus with regards to just how they are conducting so-called " Consumer Invnenstigations : '' Its not much of an invention is if al thy do is contact he reported violated and parrot back their response, in fact, it more like a shame investigation. there must be sever consequences for comapnies that abuse their power, destry peopel reputations, and ignore the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I looked at my account on Saturday XX/XX/XXXX and there were 2 Pending transactions for XXXX. These were not my transactions as I never use XXXX and therefore unauthorized transactions. I immediately called CHIME. I requested a cancel of my old card and a issuance of a new card to prevent any additional unauthorized transactions. The representative on the phone said he would cancel the transactions that were literally only hours old and that the money should go back into my account he said to check later. 
The transactions were for XXXX XXXX @ XXXX AM XX/XX/21 and XXXX XXXX  @ XXXX AM. I called them around XXXX to report these. The representative said the transactions should fall off in a day or two and to call back if there are issues. Two days later both transactions had posted and money taken out of my account. I called CHIME again to advise them what happened and what is going on, I was told I had to file a dispute. I filed the dispute and a week or two later received an explanation why they WERE NOT GOING TO REFUND MY MONEY. No where in the explanation was there any credence to WHY they were not going to refund my money. They simply denied my case because i had a low balance and a bunch of statements that does not prove anything ... which I always have a somewhat low balance on this account because i use it as a spending account. I called them again asking why they had made this decisions where there was clear fraud on my account and they proceeded to question me as if I WAS THE GUILTY PARTY. Honestly, its not a lot of money to me but its ' the point that the bank who is supposed to secure my money decided not to do the right thing. At this point, I reached out via email again and have not received any further responses from them. Claim number with CHIME bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Lending Club Corp
State: NY

Complaint narrative:
I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to Lending Club This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant XXXX XXXX XXXX. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding Lending Club make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. Lending Club Is furnishing information without accuracy to XXXX, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-11 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: NJ

Complaint narrative:
I am the author of this complaint, and there is no one acting on my behalf. 

I just love the data This entire complaint is discoverable, and penalties outweigh your intent. 

Know - this will become this companies legacy. 

Item 1 This first issue is tied to the following : 1. This Debt Collector is in fact willfully, not following FCARA/FDCPA 2. When provided with their data in/from a CRA - willfully not responding to the data inaccuracies ' and the illegality of the results 3. Allowing their data- to report as a Creditor, and when they know they DBA as a Debt Collector 4, Failing to follow reporting mandates, when rules and guidance require them to 5. Knowing, that their file produces systematic results. systematically and intentionally 6. And then failing to act legally to mandates that govern them 7. Willfully reporting fields- such as Terms, Pay History and Pay Rating - when, Metro2 says do NOT Item 2 The other issue is Failing to Verify this account 1. Although the original request was not for a VOD- I then and Request to verify that this account is OWNED/Purchased bXXXX XXXX XXXX  . Account for any bill to any alleged Debt you then claim 3. Provide Chain of ownership - as others have claimed to own this alleged debt Metro2 - 1. The specification on how you MUST report, is attached 2. You are - a Debt collector 3. Legal definition, from FTC is available in Section 803 4, The " What not to send '' - is the last page of the attachment 5, You in fact are sending it 6. I have no terms with you 7. You must be aware of the impact of Pay History 8. You then must also be aware of the Pay Rating 9. Those are dedicated data elements for the Creditors Delete your fraudulent tradeline.

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Due to an error on the part of AmeriHome mortgage, we have been getting delinquent notices on our mortgage. My credit score has decreased overnight by XXXX points. 
On XXXX first, we made a payment. We received a statement dated XX/XX/XXXX which stated our next payment was due XX/XX/XXXX. On XX/XX/XXXX we made another payment. In the statement dated XX/XX/XXXX, it stated our next payment was due XX/XX/XXXX. We made our next payment on XX/XX/XXXX, when AmeriHome said it was due. Beginning in XXXX, AmeriHome suddenly showed us one month behind. A late fee has been assessed every month and our account is listed as delinquent on our credit reports. We called the call center on XX/XX/XXXX. We were told by the person in the call center that our account was current and everything was good. We asked her to make a note in the system that we had called and that our payments were current.she didnt do this.

Weve reached out to AmeriHome several times by phone. They informed us we needed to send a fax with our official complaint. We did that two weeks ago and still havent heard from them. We have copies of all the statements weve received from them, as well as confirmation numbers for all the payments weve made. This needs to be repaired immediately. This is 100 % an error on their part. Enclosed is a letter that was faxed to amerihome on XX/XX/XXXX and statements showing the information I described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX has been putting on/ taken off back n forth a debt of {$260.00} on my credit report for a couple years now. I call them, dispute the item they claim I had for XXXX XXXX they can not provide me any info it was mine, they delete from my report and within a week they put it back on my credit report as a collection. 
They have damaged my credit report, therefore XXXX asking you for help in XXXX them delete their collection off my credit report immediately. They took off again last month and put back on. Please look into this as iam getting nowere on/off. I been disputing this for XXXX XXXX XXXX  and again they take off and within s week or so they put this back on my credit report. 
Thank you XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
I submitted an investigation into this XXXX  XXXX account with Experian and it came back as verified. i want to see the documentation they used to try to validate an account that not in my name. That means that this account is inaccurately reporting and should be removed immediately because as a consumer i am losing faith in Experian knowing that they are not properly investigating inaccuracies.

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 2022-04-11 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: PA

Complaint narrative:
I sent in a letter requesting that all accounts be looked and corrected because the account is not mine and i never received a response back.

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 2022-04-11 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: TX

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by EQUIFAX. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has made it nearly impossible for consumers to reach them by phone in order to resolve credit issues. It only give you two options when you call : order a credit report or place a security freeze. Its absolutely ridiculous and impossible to reach someone at experian. As consumers it should not be this difficult to reach ANY credit agency. In addition to that they state that a proper number is provided on your credit report and it isnt! Experian is making it nearly impossible for me to secure my home by placing this hurdle. I cant even finish the underwriting process for my home loan because of this roadblock they have placed.

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 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I recieved a letter from southwest credit saying i had a bill for {$370.00}. I been building my credits for years so I know i didnt have anything in collections. i called them and they told me it was from XXXX XXXX. i live in a two family, and was referred to this apartment from a friend of a family member who lived here for years, that recently moved a year ago. I disputed the bill, called the company and explained this is not my bill. I letter is dated XX/XX/XXXX, XXXX the company has put this on my credit report, and my score has now dropped XXXX point with XXXX XXXX and XXXX. Im really upset. my identity has been stolen and now my credit is damaged. although they had lowered the bill to {$260.00}, it is still stressful because my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
The loan was taken out in 2017. 
Attempted to payback and was unsuccessful. Keep getting calls and voice mails stating the following : This message is showing is for XXXX XXXX my name is XXXX more and this is your from a vacation in regards to delivery _______ of our documents we making several times to reach you at your residence or place employment today XX/XX/XXXX between the hours of XXXX and XXXX XXXX so I'm unable to reach you guys are location is documented as a direct refusal to sign your questions concerns or need to reschedule prior to my arrival please come get the van parts office directly at XXXX and refer to reference number on this in the in XXXX Ary this is your phone the vacation I'll be out today between XXXX and XXXX XXXX  They are also calling family members and leaving voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ONCE AGAIN I XXXX XXXX STILL HAVE ISSUES WITH EQUIFAX 1. THEY ARE STILL LYING AND DE FRAUD ME IN MY CLAIM IN THE SETTLEMENT CLAIM ON MY CREDIT REPORT EXPERIENCE DID A EQUIFAX REPORT EXPERIENCE HAS PROVEN ON MY BEHALF THAT EQUIFAX DATA BREACH MY INFORMATION OUT ALSO HAS PUT ON MY CREDIT REPORT XXXX OFFENDERS ON MY CREDIT REPORT FOR NO REASON AT ALL IT SHOWS ON MY CREDIT REPORT AFTER EXPERIENCE THEN IT'S INVESTIGATION FOR EQUIFAX SHOWS THAT EQUIFAX WAS AT FAULTS FRAUDULENTLY LIKE SAID THAT THEY WAS NOT GOING TO PAY ME A SETTLEMENT EVEN THOUGH I CHECKED MY STATUS ON THE ON THE WEB SAYING THAT I WAS A CONSUMER WITH DATA BREACH MY INFORMATION WAS LEAKED OUT WHAT MUST I DO TO CONTINUE TO PROVE MY POINT ACROSS EQUIFAX KEEP DENYING AND CONTINUE DEFRAUDING ME AND WILL NOT PAY THE SETTLEMENT TO ME SOMETHING NEEDS TO BE DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
Name is XXXX XXXX and I am providing new information, my previous case # was XXXX and they did not provide what I asked for and this is a violation of my rights and should be fined {$1000.00} and a check mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX if you review there response from that case they claim to not see the account on my file, but I have a new updated copy of my report and its dated for today and the account is visibly still there clear as day. " XXXX  '' In my previous complaint I requested the following and it was not done : My name is XXXX XXXX My Experian report XXXX is XXXX Account name XXXX  Account number XXXX .... requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report. 


Since they have not provided what I have asked for they are in violation of my consumer protection laws and CFPB must enforce my rights and I demand payment of {$1000.00} for the violation and demand removal of this account today permanently from my file and notify all other reporting agencies of these actions as well.

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