vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I closed on a conventional home mortgage for my primary residence. The loan was transferred to Roundpoint Mortgage Servicing Corporation in XXXX, NC for servicing. 

According to my closing documents, I was eligible to request PMI removal on XX/XX/XXXX ( immediately after the first mortgage payment ). 

On XX/XX/XXXX I submitted the written request to Roundpoint to remove PMI. The assigned customer service representative contacted me later in the month and stated that I was not eligible to remove PMI because I had not completed the required " seasoning period ''. I questioned the customer service rep over the phone because this did not align with the guidance from my closing documents. I was not able to resolve the issue with Roundpoint at that time and they denied the request. 

At first I was very discouraged, because I initially believed Roundpoint 's claim that I would have to pay PMI until XX/XX/XXXX ( the automatic termination date ). However, I then began to do my own research and read the XXXX XXXX guidance for PMI removal and realized Roundpoint provided me the wrong guidance. Their instructions only applied to requests based on " current value '', but my request was based on the " original value. '' https : XXXX I wrote again in XX/XX/XXXX ( resubmitted the same written request dated XX/XX/XXXX ) and requested the assigned customer service rep review the XXXX XXXX guidance for PMI removals based on the original value. I got no response. 

In late XX/XX/XXXX, I re-submitted the same written request dated XX/XX/XXXX to the generic company email inbox, along with the language from XXXX XXXX 's guide ( Section XXXX ). The removal request was approved in early XX/XX/XXXX, but by that point I had already made two additional mortgage payments that included the PMI. 

I called Roundpoint on XX/XX/XXXX and XXXX to request they refund the XXXX and XXXX PMI payments but they refused. 

I attempted to resolve this directly with the company but was unable. 

I am concerned on behalf of myself and other consumers that Roundpoint intentionally created an adversarial process to make it difficult for customers to stop the PMI payments as soon as possible, and impossible to recoup any monies that should never have been paid in the first place. To make the situation even more difficult, I am being transferred to another mortgage servicer starting XX/XX/XXXX, so my assumption is that Roundpoint will refuse to respond to any further communications from me after this transfer occurs.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been XXXX since 2014.

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 2022-04-30 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: FL

Complaint narrative:
According to the CFPB website Trans Union violated a 2017 law enforcement order for the improper use of a credit report. I would like a clean slate on my Trans Union report excluding current active credit lines.

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 2022-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One Auto Finance has called me every day since XX/XX/XXXX. I have never had a loan with Capital One. I need these hararassing calls to stop. It's a robocall, so I can never speak with a person. The call comes from XXXX. 

I called Capital One Auto Finance to get them to stop these harrassing calls. But you must either enter an account number, which I don't have because I don't have a loan with them. Or leave your Social Security Number, which I will not do. They would likely look up an account with the SSN and I don't have an account. You can not talk to a representative. If the voice system does not recognize your account number, they simply say goodbye and hang up. 

I have written to the company. I continue to get calls. 

I blocked the number but they are still able to leave a message and so my mailbox fills up because I don't get a call nor do I get a notice of a voice mail, so at first I didn't even know I had to go in and delete their messages. 

I was forced to get a new phone number in XXXX when I switched cell phone carriers. Yes, I know there's a law that says you can keep your cell number, but apparently that law doesn't apply to XXXX XXXX XXXX. Shortly after XXXX XXXX XXXX would not release my old number to my new carrier, and I got a new number, these calls began. I assume the number they're calling ( now my number ) used to belong to someone who owes them money. 

I would appreciate any help to get them to stop calling me. This feels like harrassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX XXXX in the amount of XXXX. There was a dispute with the charge in the same month. I made a payment at the end of XX/XX/XXXX. In XX/XX/XXXX, I was given a credit of {$400.00} while the dispute was being investigated. I made contact with XXXX XXXX and exchanged my purchase for the correct Item. This issue with the merchant was resolved. In XX/XX/XXXX, the credit was reversed at the conclusion of the dispute settlement. 

In XX/XX/XXXX, I received a email communication stating I the matter was resolved in favor of the merchant and was charged {$400.00}. I called Goldmen Sachs and advised them of the error in the dispute. I advised the matter was closed. In XXXX I received another email communication stating a dispute was resolved in favor of the merchant and was charged for {$400.00}. 

I called Goldman Sachs and Apple Card to remove the debit on my account and they are telling me I owe them for the credit that was applied to my account. I advised no credit was applied on my account and requested an audit. The matter is pending. 

There records are unclear and if I was not a XXXX XXXX XXXX I would not be able to understand the financial transaction manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 use 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions 15 use 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 2022-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states consumer reporting agency can not furnish a account without 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 and purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: CA

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX  account # XXXX and 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 2022-04-30 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: Global Lending Services LLC
State: MD

Complaint narrative:
My information was reported to the credit agency without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Venmo froze my account. I have no idea why they did, I have reached out to them and was told they can't tell me. My friend sent me XXXX dollars for my sons medical supplies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: DE

Complaint narrative:
I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hello, XXXX XXXX PayPal Your transaction with your PayPal XXXX XXXX ending in XXXX was declined Your transaction at XXXX was declined, because there wasn't enough money in your balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I need to dispute 2 transactions made with my debit card ending in XXXX from XXXX XXXX, the problem is that the bank closed my account a few weeks ago and they are unable to help my by customer service. 
The transactions are : XXXX ) XXXX  " XXXX XXXX '' made on XX/XX/XXXX {$1000.00} XXXX XXXXXXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered XXXX XXXX XXXX " XXXX XXXX '' made on XX/XX/XXXX {$760.00} XXXX XXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered. 

It looks like the merchant is not on the business any more.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been discharged since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: DE

Complaint narrative:
I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MD

Complaint narrative:
My information was reported to the credit agency without my consent.

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 2022-04-30 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: MD

Complaint narrative:
My information was reported to the credit agency without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MD

Complaint narrative:
My information was reported to the credit agency without my consent.

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 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Had the worst experience with Jpmorgan. 
I had my account breached multiple times after they promised security in my accounts and they promised {$25000.00} per day max deposit into my account and failed to do so. 

I have lost all hope until consumer finance.please help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The moment I disputed a billing error in XX/XX/2021, Discover not only furnished non payment to the credit agencies, which is a violation of 15 USC 1692c, but they also closed my account which is violation of 12 CFR 1026.13 ( d ) in XX/XX/2021. 

They didn't give notice until after the adverse action was done, which is violation of 12 CFR 1026.9 ( c ) ( 2 ) ( i ) and did not reflect my rejection on my account which is a violation of 12 CFR1026.9 ( h ) ( 1 ) AND 12 CFR 1026.9 ( h ) ( 2 ) ( i ). 

I informed Discover that they were willfully and negligently violating 15 USC 1637 open-end credit and that I DEMAND they reopen my account as the beneficiary of such account. 

They still did not comply. 

This account was created from a consumer credit transaction and therefore, I DEMAND my dividends for such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been discharged since 2014.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
I didnt give anyone the right to share my information requested the company to send me something showing where I signed a contract for this service they have no right I have also send a letter to FCRA for violating my right also ask this company to validate information until then it needs to be removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting 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 explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Effective XX/XX/XXXX Nationstar dba Mr. Cooper transferred/ sold the servicing of my mortgage to XXXX. I previously had automatic payments configured with Mr. Cooper and had never missed a payment. Auto payments resumed with XXXX and my payment was drafted around XX/XX/XXXX ( where ordinarily it would have been XXXX with Mr. Cooper ). 

I never missed a payment, and my payment was only late by 11 days because of the transfer of servicing, Mr. Cooper blocked my ability to pay my XXXX mortgage the day before the transfer, and XXXX would not allow the payment until XX/XX/XXXX. 

Nationstar/Mr. Cooper reported my mortgage late to the credit bureaus sometime in the past week and now my credit score has dropped by XXXX points. I am currently seeking credit and this has adversely affected my ability to get credit at favorable terms. 

I have attempted to contact Nationstar and have not received a response.

Company response to consumer: Closed with explanation