vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, Planet Home Lending ( PHL ) conducted an escrow analysis and determined that I had an escrow surplus of {$2900.00} and issued me a refund check. On the escrow disclosure statement reflecting this change, it states that the amount of expected tax due was N/A. I even called PHL to verify that this was not a mistake, and I was told it was accurate. 

In XX/XX/XXXX, PHL notified me that I had an escrow shortage of {$4900.00}. PHL has currently refused to accept my refund payment of the previous escrow surplus. This shortage was used in PHL 's calculation to increase my mortgage payment from {$1500.00} to {$2300.00}. 

In XX/XX/XXXX, I called PHL to notify them that the calculations were inaccurate based on my taxes and the escrow surplus. At that time, PHL admitted that the escrow analysis that I received in XX/XX/XXXX contained errors. They were unable to tell me the correct amount of my mortgage payment until after PHL re-ran the escrow analysis using accurate numbers. 

On XX/XX/XXXX, I made my regular mortgage payment of {$1500.00} given that PHL admitted that the {$2300.00} payment amount was incorrect. On XX/XX/XXXX, PHL notified me that my new mortgage payment amount was {$2000.00}. 

On XX/XX/XXXX, I received a call from PHL, which I learned was a collection call. PHL stated that my mortgage payment made on XX/XX/XXXX was being held in a separate account because it was less than the required {$2300.00} payment. The same payment amount that PHL admitted was not accurate. When I addressed the discrepancy, PHL advised that they were unable to accept an escrow payment from me ( the return of the surplus in error ) until I paid {$2000.00} amount.

I was not provided with XXXX  days notice of the {$2000.00} payment amount and sent to collections within the same month PHL claims the payment was due. This can not be legal. PHL will not allow me to refund the escrow surplus payment which they issued to me and subsequently claimed I had an escrow shortage. They are using erroneous calculations to
charge me a higher mortgage payment and then changing it every other month. PHL is trying to make me pay a payment amount they told me was not accurate. PHL is engaging in fraudulent and predatory mortgage practice. Please help me resolve this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Ulta Rewards World MasterCard account was opened using my private information. 

I never applied for this card {$500.00} has already been charged to this fraudulent account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: FL

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.

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 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 2023-09-21 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: MI

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.

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 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 2023-09-21 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: 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 15 USC 1681. 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/23 I randomly got charged XXXX {$100.00} transactions at the same time. The transactions showed that my money was about to go my cash app ( the merchant ) but the issue is I didnt authorize to move any money to cashapp so I wanted it back in my checking account. Less than XXXX minutes when the transactions started posting it was still pending but I wanted the transactions cancelled. So I contacted chat right away but they said they couldnt do anything until the transactions were done pending but I wanted the transactions canceled before they were even done pending because I know I didnt authorize anything. So at the the same time around an hour after those transactions posted as pending and my {$500.00} was gone out of my account I contacted the merchant cash app through their chat and told them to cancel those transactions and my XXXX was not even in my cashapp account yet. Cash app told me they returned the funds back. My {$500.00} wasnt back in my checking account but once the transactions were done pending I started the dispute with XXXX XXXX. They now kept me waiting for weeks to get my money back just to deny my dispute. I contacted them back about it because they didnt even ask for no proof that I didnt authorize the transactions. So I sent them screenshots and more emails and they told me to wait a couple more weeks for their decision. They sent me the documents used against my claim and they make no sense. It says in the documents that by accessing the application and viewing the screens and transactions that I acknowledged it. That is wrong just because I was viewing the transactions doesnt mean I acknowledge or approved anything. So Ive called it about it to make sure they note that to the internal team. Ive now lost {$500.00} to these disputes that were wrongfully denied and have waited way too long to get it back when I know I didnt authorize anything it shouldnt take this long to figure that out by now and when I have all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Some one open Macy account on XX/XX/ and charges {$920.00}. I only found out when Macy send the statement and credit card home on XX/XX/23. I try to request Macys for video of the charges on that date because I believe they have my identity and open on that date. If you ask Macys at XXXX XXXX XXXX in XXXX, TX on that date and at the men dept then you can see the person doing fraud. Because all Macys has camera inside store.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023, someone walked into Capital One NA XXXX Capital One XXXX XXXX XXXX XXXXXXXX, VA XXXX They held a fraudulent check without an account number, a fake debit card and a fake ID. This person cashed {$2800.00} check against my bank account. The bank indicated that their ID was scanned and showed by information. The teller didn't identify the debit card to be a fraud. 
When the check bounced, Capital One withdrew the funds from my account. I have not been reimbursed for those funds. 

An image of the fake check has been sent to me. It was supposedly written by : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Check # XXXX On XX/XX/XXXX, a person tried to withdraw {$1800.00} from my bank account from Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The teller was able to identify the debit card was fraud and denied the withdrawal. 

I want my money back, but also have a greater concern for the ID that is able to be scanned and used at banks, airports, with the police, etc. I believe the ID is either a RealID or Passport. 

Both of those documents that are mine are in my possession. I have not lost or misplaced them. I have not photocopied them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.

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 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
In XXXX XXXX XXXX I had multiple identity thefts. Had addition monitoring services. In XXXX I reported fraud charges on a XXXXXXXX XXXX  credit card. After doing this, fraud charge was credited back to the account. I spoke with XXXXXXXX XXXX fraud department assuring me after there review they were able to confirm fraud / identity theft as the charge was in another state. Confirmed signatures did not match. I learned year or two later it was sent to collections. Now XX/XX/XXXX Resurgent collections has put this on my credit report. I have disputed this with all 3 credit agencies. To my understanding this was complete in XX/XX/XXXX. All other fraud from identity theft has been removed. There was cable, XXXX XXXX, energy. My purse was stolen out of my car in XXXX I believe this and a XXXX email is how it was compromised. I would like to dispute this issue immediately. Please assist me with doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX As a direct result of this my persona credit has been severely damaged.

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 2023-09-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX. As a direct result of this my persona credit has been severely damaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian numerous times over the last year via disputing on their site through their portal, sending certified letters and now im am having to resort to contacting regulators. I have multiple items on my credit report that are incorrect from apartment collections, credit card collections, inquiries and more. This is outrageous, abusive AND deceptive. I have suffer immensely over the last year because my creditworthiness and reputation has been so badly injured. I can't get any loans, credit cards NOTHING to support my family because Experian refuses to do its job. I have had to reach out to each company furnishing my information and have already uncovered ONE case of fraud on an account that Experian REFUSED to investigate or reinvestigate. I was never provided any proof this debt was valid yet it came back valid everytime. This is out of control and you are not holding up your part to make sure my report is at maximum accuracy. Despite me reaching out over and over again I have had to essentially do your job. I will need ALL inquiries removed up until XXXX XX/XX/ I did not authorize these. Any collections that have occurred up until XXXX needs to be deleted unless a FULL investigation is actually performed and I will require ALL neccessary documents or I will be lawfully handling all situations moving forward. All closed accounts, collections and inquiries need to be removed NOW! I have attached one of my findings that I had to remove on my own. If I have to continue this process of removing each item on my own, one by one, I will. This will result in legal action against you. NO more. You will uphold your duties or you will be held under the law!

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Call chase Bank after I was affected by a fraud doing XXXX I send the money and after 2 min they call me that they hacked my sisters phone, I try to get myoney back as soon as posible I did the claim but they told me it wasnt possible since XXXX is cash. 
I blocked everything and got off from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
no store will take the prepaid card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc.
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Company response to consumer: Closed with explanation