vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JFQ Lending, LLC
State: OR

Complaint narrative:
I refinanced my existing VA mortgage with a VA streamline ( IRRL ) on XX/XX/XXXX. I was promise I would get to skip two mortgage payments and I would receive my escrow reserves of {$6700.00}. 

I received all that but my mortgage is increasing from {$2000.00} to {$3400.00} on XX/XX/XXXX. They are charging me an escrow shortage of {$620.00} and increase my escrow to {$980.00} I am a XXXX veteran with XXXX XXXX XXXX XXXX XXXX and have a partial property tax exemption because of my XXXX. The agent never told me my mortgage would increase by this much and my new mortgage is larger than my original VA mortgage. I tried contacting the company but they will not help me and blame me for the increase. I will lose my house if my payment increases by this much. I never missed a payment and this new mortgage payment is substantially larger than my original monthly payment. All of our conversations should have been recorded by JFQ Lending , Inc . 

The mortgage company is XXXX XXXX XXXX The agent is XXXX XXXX, JFQ Lending , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MI

Complaint narrative:
I have tried a countless amount of times to get through to the Bureaus that this account " XXXX XXXX XXXX  '' does NOT belong to me. They have claimed to verify it, however ; when I submit supporting detail to prove that I am NOT the rightful owner of this account as well as request their methods of verification they completely ignore my request. I know that it is a direct violation of my consumer rights to report false information but also to ignore a request for methods of verification. 

I am taking my credit very seriously and the severity of the mistakes being made by these companies is getting worse and impacting me by the day! Something needs to be done about this because they show no concern for the legitimacy of my report and they are legally required to do so! 

I have not received a response even after submitting proof on several occasions. XXXX is the only Bureau that did the right thing by removing this unverifiable account. I am still curious to know how the other Bureaus could verify an account if XXXX could not.

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 2021-11-30 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: LA

Complaint narrative:
I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, XXXX, Transunion ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2021-11-30 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: LA

Complaint narrative:
I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, Equifax, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Have tried multiple times to resolve this transaction with PayPal/Synchrony Bank and they do absolutely nothing. I must have submitted this dispute multiple times and they come back with some XXXX. response each and every time meant to send me on a wild goose chase. Purchased a flight in XXXX through XXXX  XXXX XXXX. Due to the pandemic, the flight was rescheduled multiple times. So per the contract of carriage, I cancelled and asked for a refund. I got the US XXXX involved in the dispute with the airline and after several back and forth attempts, the airline confirmed the refund back to PayPal for the original amount of the flight, {$780.00}. See item # XXXX attached. Attachment XXXX is the 3rd time that my dispute has come back from PayPal/Synchrony Bank and even with the airline saying they have refunded back the money, they will not credit my account. Please get this creditor to refund back the money that the merchant already confirmed they sent back. It is illegal for them to continue doing this as I already resolved this matter and I am due the money 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 monetary relief
Consumer complaint received 2021-11-30 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I submitted a previous complaint, ID XXXX. It was closed when the company, Barclays credit card submitted a letter to CFPB dated XX/XX/2021 stating that checks were in the amount of {$1000.00}. XXXX and {$0.00} were released to me and it would take XXXX XXXX XXXX business day to arrive. 
Today is the XXXX of XXXX and no check has been received by me. 
Also one check payable to Barclays Bk Delaware fraud Dep at my home address, dated XXXX XXXX, 2021 was mailed and received by me ( see attachment ), in the amount of {$1000.00}. This does not make any sense that the check was not payable to me and the inside address on the letter showed Barclays Bk at my address, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, AZ. The funds were owed to me by XXXX XXXX to my credit card ending XXXX as a result of a flight cancellation. However, I had cancelled that credit card about XXXX year prior to cancelling my XXXX XXXXSee my previous complaint. 
It seems to me that Barclays is commiting the fraud. No interest has been calculated from the time XXXX deposited the monies. I am sure the bank is accruing interest. If I don't recieve the funds in 10 days I will contact my Senator and my House representative. You should not have closed my previous complaint until receiving communication by me that the corrected check was received and deposited by me. 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 2021-11-30 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: MI

Complaint narrative:
I have tried a countless amount of times to get through to the Bureaus that this account " XXXX XXXX XXXX  '' does NOT belong to me. They have claimed to verify it, however ; when I submit supporting detail to prove that I am NOT the rightful owner of this account as well as request their methods of verification they completely ignore my request. I know that it is a direct violation of my consumer rights to report false information but also to ignore a request for methods of verification. 

I am taking my credit very seriously and the severity of the mistakes being made by these companies is getting worse and impacting me by the day! Something needs to be done about this because they show no concern for the legitimacy of my report and they are legally required to do so! 

I have not received a response even after submitting proof on several occasions. XXXX is the only Bureau that did the right thing by removing this unverifiable account. I am still curious to know how the other Bureaus could verify an account if XXXX could not.

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 2021-11-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Displaying XXXX Account Ending **** XXXX with XXXX XXXX. 
1 ) This Account Has been paid in FULL XXXX ) This account has been Illegibly Charged OFF ( XXXX ) and Under any circumstances can have ANY BALANCE. Charge-OFF procedure is required Setting Account to ZERO by applying Credit to offset Balance.. Charge-off Account having a Balance simply Nonsense.. 
3 ) XXXX XXXX XXXX XXXX Is the CREDIT SERVICES company IS NOT THE CREDITOR and HAVE No Authorization and no Position to REPORT anything. It is a Credit Services Company under Contract. 

Experian Giving XXXX days To Remove 1  ) XXXX XXXXXXXX **** XXXX XXXX ) XXXX XXXX XXXX **** XXXX These Accounts Has been PAID IN FULL on XX/XX/XXXX, XXXX ( *** see copy of the Payments ATTACHED, and CERTIFIED MAIL RECORDS ) EXPERIAN Agreed TO REMOVE OR PAY {$20000.00} In Damages.

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 2021-11-30 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: MI

Complaint narrative:
Several of the Bureaus have not responded to me at all on this issue however, Experian specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

XXXX and XXXX have completely ignored my request with zero communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.

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 2021-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a previous HELOC with U.S. Bank since 2018 in good standing. This year I decided to increase my line of credit and submit my application again with U.S. Bank. I did not know that by this application, my previous HELOC will be closed and a new one will be open. As a consumer, I thought this will be same as when you request to increase your credit limit on a credit card. 

During the process no one from U.S Bank ( online staff and branch staff ) explained to me that this process will close the existing HELOC. 

Now they have applied the Early Closure Fee of {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 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: MI

Complaint narrative:
Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

Transunion and XXXX have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.

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 2021-11-30 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: MI

Complaint narrative:
Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX  Bankruptcy ''. 

XXXX and Equifax have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019, I entered into a consumer credit contract with XXXX XXXX XXXX ( an affiliate company of the XXXX, XXXX corporate family ) and a consumer credit transaction occurred for a 2019 XXXX XXXX. I have reason to believe that this entity is a financial institution pursuant to 15 USC 6827 ( 4 ) ( B ) and also a seller-creditor as mentioned on my contract pursuant to 16 CFR 433.1 ( exhibit A ). I have reasonable suspicion that the contract/transaction are fraudulent in nature. I have attempted to settle this matter many times ( in person, over the phone, AND through electronic correspondence ) with XXXX XXXX XXXX and also TOYOTA FINANCIAL SERVICES INTERNATIONAL CORPORATION without any remedy. Per my contract, as the consumer and debtor ( pursuant to 16 CFR 433.1-433.3 ), I am asserting my rights. I believe I was fraudulently required to pay a down payment ( exhibit B ) which is a violation of 15 USC 1605 in transactions where finance charges are involved : " The finance charge does not include charges of a type payable in a comparable cash transaction. '' 15 USC 1605 also states that : " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' ( exhibit C ). However, I believe I was fraudulently coerced into paying extra charges and monthly payments/fees that far beyond exceeded the finance charge ( exhibit D ). I believe these extra charges and monthly payments/fees constitute another violation in the form of a billing error ( exhibit D ) pursuant to 15 USC 1666 ( b ). In addition, I believe my promise to pay ( promissory note ) via a negotiable instrument secured the loan ( purchase money loan pursuant to 16 CFR 433.1 ) and discharged the obligation at the time of signing which also constitutes a billing error. Also, I believe my rights of rescission were violated pursuant to 15 USC 1635 due to the fact that I was not furnished with any rescission disclosures at any point in time and the contract goes as far as to state that there is " no cooling off period '' for this transaction ( exhibit F ). I also feel that this " loan '' was fraudulent in that it is not a loan at all but a " credit sale '' in that I agreed to " buy the vehicle on credit '' ( exhibit G ). Many courts have long established that banks/financial institutions may lend their money can not lend their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CORELOGIC INC
State: MI

Complaint narrative:
I have written to this company on numerous occasions providing all their requested information to access my Consumer Report but they fail to deliver each time only responding to my request asking for the same information that was already previously provided. 

It feels as though they are intentionally making it difficult for me to access my information.

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 2021-11-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
File a claim for fraudulent activity in the amount of {$21000.00} on XX/XX/2021 after being release from the hospital where I spend 1 year due to robbery, kidnapping, and trauma to my head and jaw bones. I reported my card stolen with local police department, supplied bank of America prepaid cash pay office of investigation all supporting documents. I'm about to be evicted from my subsidy housing apartment for good as of XX/XX/2021 for back rent of {$9000.00} I have beg and pleaded for an actual investigation. can someone please call me asap?

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 2021-11-30 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: ND

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX ACCOUNT ALL INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: IN

Complaint narrative:
I received a letter from a debt collector at Kimball , Tirey & St. John LLP dated XX/XX/2021, stating that I the consumer owe a debt in the amount of {$7200.00}, which I later found to be a violation of the Fair Debt Collections Practices Act, 15 USC 1692b ( 2 ). Upon receiving this letter demanding payment I reviewed the FDCPA and found numerous violations within the letter I received from the debt collector at Kimball , Tirey & St. John LLP. I then sent the debt collector a notice in affidavit form via Certified Mail on XX/XX/2021 highlighting their failure to comply with the Fair Debt Collection Practices Act with supporting documentary evidence attached and instructed the debt collector to cease and desist and mail me a check in the amount of {$48000.00} for damages owed to me due to their willful non-compliance of the Fair Debt Collection Practices Act pursuant to 15 USC 1692k. Identity theft may also be prevalent as I did not give my location information or identifying information directly to any third party debt collectors. The debt collector at Kimball , Tirey & St. John LLP also does not have my direct consent to communicate with me in connection with the collection of any debt which is a violation of 15 USC 1692c ( a ). As of XX/XX/2021 Kimball , Tirey & St. John LLP is still reporting inaccurate and false information to several consumer reporting agencies that has damaged my consumer credit reports which has hindered my right to use my own credit. False and misleading representations are being used by Kimball , Tirey & St. John LLP in order to collect a debt they are not rightfully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: ND

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX ACCOUNT ALL INQUIRIES

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 2021-11-30 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: MI

Complaint narrative:
Requested method of verification an item reporting on Experian as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from XXXX on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!

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