vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the 700 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had XXXX report to me one score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Dear CFPB : LoanCare LLC sold our loan ( number XXXX ) for our home located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX to another loan company, XXXX XXXX, in XXXX. 

We are due a {$4000.00} escrow refund check, which we've yet to receive, and is now 3 years late. 

On XX/XX/XXXX, I received a letter from LoanCare ( see attached ) stating " We issued you check number XXXX for your mortgage loan in the amount of {$4000.00} on XX/XX/XXXX. Refunds are usually due to excess funds in the escrow account. As of XX/XX/XXXX, our records indicate that this check has not been cashed. '' This letter sent to me dated XX/XX/XXXX arrived at our new address in XXXX XXXX, so LoanCare clearly knows where to find us. It included directions about filling out the form ( which I've attached ) and mailing it to a po box . I did this immediately. We received no response. 

I followed up with LoanCare on XX/XX/XXXX. They claim to have no record of our mailed written response. They told me to email the form to XXXX. I did this on XX/XX/XXXX. I received an automatic reply ( attached ) that I would receive a response in 4-5 business days. I received no reply.

Today I called again, and the Loancare representative said that this email address does not exist. She also said that there is no phone number for me to call in order to speak directly with any division. She suggested that I send a fax. I do not own a fax machine.

I see hundreds of complaints about this EXACT same issue : XXXX XXXX XXXX I have no proof that LoanCare mailed the original check. USPS sends me photos of all forthcoming mail. We resided at our former address XXXX XXXX XXXX XXXX XXXX XXXX ( where LoanCare claims to have sent a check ) until XX/XX/XXXX. Our mailbox was a locked device only accessible by us and the post office. We never received a check from LoanCare. 

As my phone records and emails prove, I contacted Loancare numerous times in XXXX about our escrow refund. LoanCare representatives insisted that they did not owe me any refund, and never mentioned issuing this check. 

LoanCare is clearly not working in good faith to resolve this in any manner. 

Please help me resolve this. 

My desired outcome is that someone from LoanCare contacts me and also immediately issues my three-year-late escrow refund check for {$4000.00} and sends this check to me immediately at : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone : XXXX email : 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 2023-05-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One & Account Number XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

Complaint narrative:
this account is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: SC

Complaint narrative:
This complaint against the Bureau was previously closed. Please re-open this complaint XXXX. In reviewing the invoices that this company attached these invoices belong to a XXXX XXXX in XXXX Florida. Please review the invoices attached that the company attached to the complaint. The address is XXXX XXXX XXXX XXXX Florida XXXX. I never lived in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a credit account from Bank of America for six years. Because I live oversea, so I didnt used the card, then Bank of America closed my card without inform me. I have a lot reward in the card. And this is my first credit card, it hurt my credit scores.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment ( s ) is reported to Experian and XXXX, and I am requesting the removal of these late payments, as it has been reported to the Bureaus.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Metro 2 Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.

If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My sister made a deposits to her accounts via phone on Monday XXXX XXXX to her personal checking account. Since then her account, my mothers, my mothers boyfriend account and my own account have been frozen! I cant make deposits, make payments or anything related to my account, its frozen!! How can they do this? If there was an issue the Chase bank should have frozen the deposit but not the whole account and not other accounts that have nothing to do with each other but being family members!! 
Today we are a chase bank branch. They have told us they need to verify the checks. Ok, we asked them to tell us what checks need to verify so we can contact them and have them verify. But chase is making mistakes with phone numbers and checks. As in, they call one number and ask for the wrong person! Ok, we asked what else can be done. They said to stop the checks. So we told them people to stop the checks. But they money has already been taken out of their accounts so they cant seem to stop the checks. We can not wait 10 days without access to our accounts! I need to pay bills, buy groceries, pay for my girls school and It didnt even involve my account!!! Why is my account frozen??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-05-03 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: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : 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 right to privacy.

15 U.S.C 1681 section 602 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XX/XX/2023 I've made numerous changes to my credit report file and sent letters to transunion of it's inaccurate reporting and lack of investigations. Since then I can't access my credit report or unfreeze or freeze my report. I've received a update report from my credit card that an employment was update to my transunion account. I already called in and made a complaint that concrete property management is not my employment this is bs. Transunion flagged my account because I disputed bs that don't belong to me. So I've asked already to have it fixed and was given the run around it would be fixed. It's been 3 months an nothing. It's against the law to flag my information that I'm entitled to dispute when transunion is reporting incorrect information. This needs to be resolved immediately

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 2023-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Veripro Solutions Inc.
State: AL

Complaint narrative:
Received a call from a company saying they acquired my second mortgage in XXXX that was believed to be paid off. They are saying this mortgage has not been paid since XXXX and has now ballooned the payments from XXXX to XXXX. They claim to have been sending notices to an address of my dead grandmother in which I have not lived in years and just now found my phone number which has not changed since XXXX. 

Looking for more information I found my situation was NOT unique and its called a zombie Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
( Claim # XXXX ) This notice is to inform Truist Bank that you unlawfully verified fraudulent activity as authorized transactions by the consumer - which arose from IDENTITY THEFT that you did not verify as required by law. 

12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) XXXX Liability of consumer for unauthorized transfers : ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions. 



2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in Regulation E. 



See interpretation of 6 ( b ) Limitations on Amount of XXXX in XXXX I

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 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This complaint is in regards to missing information or disclosures from PayPal. We have tried numerous times to solicit an answer to the following issues to no avail.

1. What should be done when a customer sends a payment through PayPal and notes the incorrect delivery address on their invoice?

For instance, customer " x '' says they want an order delivered to " Y '' address which is their business address but, on the invoice, they put " z '' address which is their home address.

This creates an issue because, especially with regards to large orders a. the merchant can not issue a full refund due to the fact that PayPal takes out transaction fees and does not return them when transactions are refunded. If the merchant refunds the full amount, the merchant is losing the transaction fee that PayPal is keeping.

b. the merchant can not change the delivery address on the invoice afterwards to correspond to the address where the client actually wants the items delivered.

c. If the merchant delivers to the address which the client wants to deliver to but which is NOT on the invoice, the merchant loses seller protection for that order.

d. If the merchant delivers the order to the address which is on the invoice in order to ensure the seller protection, the customer may reject the order, file disputes etc. due to their irritation of where the order was delivered.

Our company needs clear, written guidance for this matter.

2. What should be done if and when an incorrect amount is sent or an any amount is sent by accident?

For instance, customer " x '' intends to send {$12.00} but sends {$1200.00}.

This raises the same issue where, if the merchant gives a full refund, the merchant loses 3 % of the transaction amount and, if the merchant issues a refund which has the transaction fee taken out ( since the merchant did not get this transaction fee in their net payment ) the customer is upset and files disputes etc.

As a seller, we can not return what we did not net ; especially if it was someone else 's mistake.

We have tried numerous times to obtain guidance on this issue directly from PayPal. Please advise.

Company response to consumer: Closed with explanation