vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
In XXXX I purchased my home, which was ultimately serviced by Carrington Mortgage Company. No major issues until XXXX. In XXXX, my family had challenges during the XXXX shutdown, where I applied for the CARES ACT to get a short forbearance on my mortgage payments. This was approved and the forbearance lasted a period of 3 months ( XXXX, XXXX, XXXX ) for a total amount of {$7300.00}. I selected the repayment option of a XXXX mortgage to be paid once the first mortgage is paid in full or at the time of the sale of the home. 
In XXXX of XXXX, I made the decision to sell my home. The home sold XX/XX/XXXX attorney closing in the state of SC. The attorneys worked with Carrington to get the full payoff amount. The titled cleared, mortgage paid, home sold. I went under contract to purchase a new home XXXX XXXX. 
The XXXX XXXX, XXXX I received a demand letter from the XXXX XXXX XXXX HUD for a delinquency amount of debt. The letter stated this was for {$7300.00} due for collection plus an additional penalty for administrative fees because the debt was delinquent. This was the amount from the XXXX mortgage that shouldve been paid at the time the home was sold in XXXX. I was never informed by XXXX it was unpaid. It was handed to HUD as a delinquency and I had no knowledge. 
The XXXX XXXX of HUD reported this debt as I was in final underwriting for my new home. It was reported to all credit agencies and appeared as a trade-line the day before my closing. Given it was reported as a delinquent account and coming from the XXXX government attached to a mortgage ( the house sold in XXXX ), the lender pulled out and I lost funding for my home. 
XXXX worked with a mortgage broker to scramble to find a new lender. It took a month to secure funding and close on the new home. It cost me an additional $ XXXX in lender fees, instead of a 5.5 % interest rate I am paying 9.58 % interest ( thats over {$2000.00} more a month for my mortgage )! In addition to mortgage cost, I had to pay more than XXXX in fees to the builder for going beyond the closing date, fees for storage, fees to the apartment to extend our stay ( or else be homeless ), lost money for moving company depositsthe list goes on. 
All of this was due to Carrington failing to fully disclose the full payoff amount for the sale of my home. This also couldve been avoided if Carrington had informed me of the miscalculation. {$7300.00} and Carrington caused me financial loss, mental anguish, and nearly cost me everything! Please help stop this from happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: GA

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 XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute with CFPB on XX/XX/2023. 



As of this date, I have not heard from the credit bureau regarding a resolution to the inaccurate accounts reporting on my credit report. 

The following accounts were disputed : Account Name 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

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your TransUnion, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, 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 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
On XX/XX/ an automatic payment went through on a personal loan I had with Amex. Not realizing I had automatic payments set up I made a loan payment as well on this date. Realizing I had made duplicate payments I contacted Amex on XXXX XXXX requesting a refund of the duplicate payment. Was told it wouldnt air 7-10 business days. Did not receive any documentation of this request in writing, despite receiving documentation in the mail or email every time I make a payment or update my information. I contacted Amex again on XXXX XXXX XXXX XXXX XXXX XXXX and was told it was escalated and would be refunded the next week, at the latest on Wednesday, XXXX XXXX I contacted Amex again on the XXXX and was told it was escalated but they had no date for resolution. Was told several times there was no superior person for me to speak to. Was told several times there was no documentation of my request they could send me in writing. Was told several times I would get a call back from a supervisor and I didnt receive one. On XX/XX/XXXX was given an email per my numerous requests for documentation notifying me my request had been escalated, but it did not include the nature of the request or the amount of the refund or the original date the request was made. As of XX/XX/XXXX, funds have not been returned. Next payment date is XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 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: GA

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 XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I wanted to report a case of attempted fraud by someone impersonating Capital One. They called from a number appearing to be from Captial one - a number published on their website. Saying to be from the Fraud department and demanding I review a zelle transition within 2 min or it would automatically fulfill. I eventually hung up and called the bank directly and they know nothing of it. 

I did not lose funds but felt I needed to report this instance. The request was from a XXXX XXXX XXXX. I don't know if there is a way to trace these people but felt the need to report. it was extremely upsetting to deal with this and more needs to be done to help consumers stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase claim XXXX XXXX and XXXX I asked Chase to help me dispute a {$440.00} charge from XXXX XXXX and provided clear documentation with USPS tracking details. The tracking details clearly shows that XXXX XXXX ( the Original Sender ) shipped it out via XXXX on XX/XX/2023. XXXX tried to deliver on XX/XX/2023 and it was refused by the recipient. XXXX then returned it to the merchant ( the Original Sender ) on XX/XX/2023. However, the merchant refused to issue a refund. Merchant responded to Chase that they never received the merchandise. However, XXXX website clearly indicated that the package was returned to the merchant ( the Original Sender ) on XX/XX/2023. 

However, Chase still decided to side with the merchant twice given clear evidence that I never took possession/received the products and furthermore USPS successfully returned it to the merchant. When I called Chase dispute department, their response was that I had proof that the merchant took possession of the returned merchandise. However, the tracking shows USPS returned it to the merchant ( the Original Sender ) on XX/XX/2023. If this is not sufficient proof, then the pillar of the modern e-commerce would no longer work. Most of the packages delivered nowadays do not require a signature and video proof. And the modern e-commerce relies on tracking information provided by shipping companies including USPS as evidence of delivery. Chase 's decision to side with the merchant is clearly mistaken and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX Account # XXXX Balance : {$600.00} Date XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date XXXX XXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My initial credit line was XXXX XXXX 
I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to apx.XXXX XXXX 
This decreased my XXXXXXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( XXXXXXXX XXXX ) to see why. 
They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. 


So I called XXXX XXXX  back on a recorded line and asked to speak to underwriting. 
She told me there was no such department. 
I asked to speak with a supervisor. 
The supervisor ( XXXX ) told me the same thing I already heard. 
They throttled me because of late payments. 
I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. 
I asked if that means they don't have to adhere to the F.C.R.A.? 
She basically told me whatever I read to her doesn't apply to them. 

So in a nutshell, XXXXXXXX XXXX  solicited me a cc while i was shopping in XXXX. 
A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this CC ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. 
I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. 

I would like for them to make this right. 
It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. 
No letter and or message was ever sent to me entailing their decision. 
XXXX XXXX XX/XX/2023

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 2023-09-27 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: GA

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 XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-27 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I inquired into a promotion that was offered to me in my personal Chase account XXXX, regarding XXXX bonus points for XXXX XXXX accounts. I inquired into whether I would receive the bonus points if I converted my existing Chase account to the XXXX Preferred version, and they replied yes. Note that there is an annual fee associated with this new account type, whereas I did not have XXXX before. So I was misled into thinking I would get the travel/bonus points, but in reality ( the story I'm hearing now ) is that the promotion was only for new accounts and not existing. But this is exactly what they told me I would receive when I converted the account, this is literally the only reason I did the conversion. Why would I pay a new annual fee for no reason? I '' ve had the prior account with Chase for like XXXX years, why suddenly change if there is no incentive? So basically I was lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MD

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/23 at XXXX I received an email from Capital One stating " Congrats on opening your new 360 Performance Savings account with Capital One. '' I did not open any accounts and do not have any accounts with Capital One whatsoever. I called Capital One fraud protection service and the account was flagged for unusual activity, I received another automated email from Capital One stating that a copy of my ID will be needed to continue using the account, or it will be closed in 14 days. I obviously will not be sending them my ID, however I do not know if a copy of my ID is in possession by the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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