vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I had a fire in my house where substantial damage occurred on XX/XX/2022. My insurance company provided an initial settlement to rebuild the house ; sending a check to me, my wife, and my mortgage lender XXXX in the amount of {$290000.00}. 

After the initial payout of {$97000.00} and partial additional funds of {$110000.00}, XXXX has denied my various request for more funding so I can finish rebuilding my house. 

I have provided receipts and bids showing funds I have spent forwarded to XXXX to no avail. As of today, I have spent {$290000.00} and I can not continue to fund the rebuild while XXXX is holding funds that are intended for my rebuild. 

XXXX claims their inspection department is showing not enough progress was made on repairs so they are withholding the funds. However, I have stated repeatedly and in multiple letters to them that their inspection is wrong. I even provided receipts from city inspection showing further progress of my house. 

At this point, XXXX is hindering my process to complete the rebuild of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a notice of dispute and debt validation & verification affidavit to Chief Financial Officer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX in which I am questioning the Negotiable Instrument/ Promissory Note/ Retail Installment Agreement as in who funded the check the response I received back was just a copy of all my payments and the Retail Installment Agreement see attachment of my notice of dispute and debt validation & verification affidavit that need to be answered point by point under penalty and perjury the only way to settle this matter is to provide me with documentary evidence 15 USC 44 whereas that includes all documents, papers, correspondence, books of account, and financial and corporate records I need to Clarify who funded the check and How much is owed according to the journal and ledger ( GAAP ) entries from the date of open of the account as described in IRS publication 583. If you can not verify and validate this debt by the above listed means,, to even send me a letter? Are you committing mail fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
At the end of XXXX I received my tax statement in the amount of XXXX I called the XXXX XXXX XXXX XXXX in South Carolina to inform them that their assessment was incorrect., the office corrected the issue and sent a corrected copy of XXXX which I forward to Freedom Mortgage on XX/XX/XXXX. According to my mortgage statement that was due XX/XX/XXXX I had an escrow of XXXX. I received a escrow check in the amount of XXXX which was returned voided back to Freedom Mortgage. For my XXXX statement was due for XX/XX/XXXX my escrow was XXXX I then called Freedom mortgage and asked the why did they send the incorrect amount to my county tax office when the corrected copy was sent on the XXXX of XXXX the answer that I got was " The company sent over a million dollars  out to pay customer escrow taxes on XX/XX/XXXX '' I responded that they had plenty of time to correct the error and I wanted it fix I have insurance due as well. I was told that they are working on it I called back and the issue was not fixed I spoke with a supervisor named XXXX that admitted that the company was in error and that my county has all the money and they are waiting for the county to return the unused portion which could take up to 90 days I called my tax office and I was told " The tax office only accepted the XXXX.and that XXXX  which is the finance institute that does the distributing of funds for the company has the excess monies. so that mean the company has their monies. I " m paying this company back a negative escrow on money that they have. So in all retrospect they have their money and is keeping my escrow account hostage for ransom. That is beyond criminal.

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 2023-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance {$630.00} CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
On XX/XX/2022, I reached out to Fidelity Creditor Services via this site. Your agency reached out to them on XXXX. Then your agency reached out to them again to provide debt validation. 

Fidelity Creditor Services provided a statement. They verified the debt of {$3000.00} to all three credit bureaus. They verified on XXXX it was inaccurate and false and that they would email information to show this account was validated. As of XXXX, I have not received any information from Fidelity Credit Services. 

This is my third attempt to have validation of the debt. I have sent a certified letter to Fidelity Credit Services to validate this debt as of XXXX. I do not have time to sit and go around and around with a company that has blatantly violated all XXXX XXXX XXXX information. I demand they send all information to CFPB as an attachment to verify they can validate the debt. 

I do not understand how a simple lie on their behalf without valid proof of documents proves this information belongs to me. I am requesting the documents are sent through this platform by Fidelity Credit Services. What is the Debt? When was the Debt Created? I have never even heard of Fidelity Credit Services-Tate Real Estates as a representative.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I went into Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to deposit a XXXX checks on XX/XX/2023, that I received from XXXX XXXX XXXX, and XXXX check from XXXX XXXX XXXX XXXX total amount XXXX. I was told that they would place a hold on the XXXXXXXX XXXX checks until XX/XX/2023. The check was sent through the check reader, which was verified. My understanding under XXXX XXXX XXXX XXXX XXXX it states that XXXXXXXX XXXX checks are to be made available next business day, in which was told to the bank XXXX, which in return she said, they can place a hold on any check that they want to. I told the teller that I didnt want to deposit with them, so she did give my checks back, however I have a receipt with the hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: DISCOVER BANK
State: KS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
okay starting on XX/XX/XXXX, i was arrested for an old probation violation. I did not get out of the jail until XX/XX/XXXX. While I was locked up a female that i had let stay at my home that i paid for or rented rather from a family member. broke into my room stole my information and made and received transactions on my account i knew that i had money coming from my income taxes i did give her access to my phone but she had no right to get my debit card or do anything other than what i told her to do on my phone she stole all of my money that was deposited from those months of child tax credit and tax money that deposited she made over XXXX dollars in tranactionds. I provided chime with the proof that they needed in everyway plus some and was even told after the first complaint was filed and dednied to rebuttle it because it was a mistake. I then filed a second time and again got denied I have talked to over 60 people on different occasions. in one day i was on the phone with chime being transfered around over 4 hours of explaining over and over and still got no where. they clIM THEIR IS NO ONE HIGHER UP IN THE CHAIN OF COMMAND THAN THE OTHER. They are very rude got hung up on a few times and now they have closed my account while its pending investigation. I just contacted them once again and got nno where tol me to go to XXXX. This is scary and they have no problem with it also I had this account for five years maybe 6 and the other time i had didputed something cause i left my debit card on the register at a department store it got used during the middle of the night and drained and they didnt dio anything but one of those three transactions. they are not what they should be representing them selves to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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 have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2023-01-08 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 have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-08 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: CT

Complaint narrative:
I am writing to file a complaint against Experian for reporting a charge off from XXXX XXXX XXXX ( reference number : XXXX ) on my credit report. This item is in violation of the Fair Credit Reporting Act ( FCRA ), as I have a right to dispute any inaccuracies on my credit report and have the issue promptly investigated. 

I have made numerous attempts to resolve this issue with Experian but have not received any response. I have provided Experian with the necessary documentation and information to support my dispute, yet I have not received any resolution or communication from the company. I have NEVER received any response or verification proof for this account mailed out to my address for this unverifiable item being reported on my consumer report. 

According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation when a dispute is filed, and to delete or correct any information that is found to be inaccurate or can not be verified. Experian has failed to meet these requirements, and I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under the FCRA are protected. 

Specifically, I request that the charge off from XXXX XXXXXXXX XXXX be removed from my credit report, as it is in violation of the FCRA. 

Thank you for your attention to this matter.

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 2023-01-08 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
This that was proven that it wasnt mine it was removed from my credit report and now its been put back on and the information is still incorrect is not mine I requested they remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX 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 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, all have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX. XXXX XXXX  XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX Account Number 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.

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 D-May not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt

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 2023-01-08 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: FL

Complaint narrative:
I NEVER gave, Equifax Information Services , LLC any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

Equifax Information Services, LLC, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.

Company response to consumer: Closed with explanation