vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VICTORY MORTGAGE, LLC
State: OH

Complaint narrative:
I closed on a new home on XX/XX/XXXX. The processing agent indicated I would not pay an application fee due to internal shuffling of my application in XX/XX/XXXX. While I did not pay that app fee up front upon the application processing, they instead added the fee on my Closing Disclosure document. They continue to insist the fee was not charged to me. However, there is no indication on my CD that this fee was credited to me and the cost details suggest I paid it within the cost to close my loan. They insist it was added to my closing disclosure document for " compliance ''. 

I accepted the closing disclosure document on the condition that the {$310.00} dollars would be refunded. I was assured by the agent a check would be provided at closing. 

However, now more than a month later, I have yet to be provided a check despite emails to the bank and speaking with a member of management. The bank continues to press that I didn't pay that fee, however the cost is listed on my Cost Details. 

In writing the agent provided assurance that the {$310.00} dollars would be refunded, which I accepted as condition to accept and sign the Closing Disclosure document.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
PenFed loan was opened in my name. It has been active for roughly XXXX months. I only noticed there was a fraud loan in my name after I saw my XXXX XXXX drop XXXX points in one day. I have reached out to PenFed and am getting minimal responses back over the last XXXX months. 


I have filed a police report, contacted the credit bureaus and PenFed in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  card owned by Comenity Capitol Bank has consistently charged a {$29.00} late ( which will go up to {$41.00} XX/XX/XXXX ) when I make my payment online on time. They send the statement out 30 days in advance but dont allow you to make the online payment until 2 days prior to the due date which is the XXXX of each month. This is totally unethical! They also charged me a {$29.00} late fee for missing a XXXX payment which was indeed made XX/XX/XXXX but did not reflect on my XXXX statement. Ive spoken with Comenity and they admit they send the statement out 30 days early but only allow online payments to be processed 3 day prior to due date which makes than automatically late!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
On XX/XX/2021, I entered into a consumer transaction with TITLEMAX. On XXXX, I sent a cease and desist notice, TITLEMAX has failed to acknowledge. On XX/XX/2021, TITLEMAX STOLE MY VEHICLE. TITLEMAX HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see TITLEMAX has violated several laws. 
Please see attach letter for violations. 

TITLEMAX has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. TITLEMAX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct 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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This is a consecutive time that I am already filling a complaint about the same issue. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.

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 2021-12-21 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: CARMEL FINANCIAL CORPORATION, INC.
State: NJ

Complaint narrative:
Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Carmel Finan received the last dispute letter on XX/XX/20 reporting to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX notified me on XXXX XXXX that my recently deceased husband had a policy with them and Wells Fargo Bank was the custodial beneficiary. The insurance company told me that they can not process the claim unless Wells Fargo contacts them. I have spent many hours talking to many people at Wells Fargo to no avail. Nobody at Wells Fargo has been able to tell me anything they just keep referring me to somebody else who has no information. On XXXX XXXX I received a letter from Wells Fargo Mortgage Company giving me the payoff amount for my home mortgage. I called Wells Fargo ( again ) and asked who had requested this information. They said they did not know but they thought it may have been the insurance company and I should call them. I called XXXX XXXX and they said the claim forms they sent to Wells Fargo had been returned unopened. This whole business makes no sense to me and has caused a tremendous amount of XXXX that I dont need after just losing my husband of XXXX  years. SOMEBODY at Wells Fargo must surely be able to resolve this situation. I will be most grateful for any help this complaint generates.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Guarantee Rate Branch Manager/VP of XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX NMLS ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and Guaranteed Rate to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: VA

Complaint narrative:
These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws

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 2021-12-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( XXXX ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
on XX/XX/XXXX I received a refund for XXXX. I made the purchase through PayPal so the refund was sent back to PayPal. PayPal sent the refund to the card that I made the purchase with. That card was with my bank and that account had been closed. the bank stated they would have returned the refund bc the account was closed. I called PayPal back and they assured me the refund hadn't been returned. My bank also told me they needed a XXXX digit transaction ID so the could track the refund. I contacted PayPal and the person I spoke with sent me a XXXX digit transaction ID. I tried to give that to my bank but it wasn't the correct number. I called PayPal again and told the lady i need a trace request sent to my bank. She told me I would have the refund in 24 to 72 hours. Instead I got a message that the transaction was successfully sent to the the card that I used and gave me a XXXX digit reference number to give my card provider. I called the bank with that number and that was again not the right number. I called PayPal again and spoke with someone in the dispute department and he said he sent in a request for a XXXX digit trace number. the message I got after that was the same message I had received the time before. I went to the main branch of my bank and they explained to me the PayPal needs to contact the bank the use and get the trace number from them. I called PayPal again and got a supervisor on the phone.. the supervisor told me they are the bank and the two numbers they gave me was all there was. I told him I just googled PayPal and they are not a bank and I told him what bank they used. After I said that, he told me that PayPal has done all they can do for me. It has been well over a month of me trying to get my money returned to me and I am extremely frustrated with PayPal bc they seemed like they either don't know how the company works or they don't care to solve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
So XXXX finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
So XXXX finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct 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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in XXXX  and get a mortgage and these accounts are hindering my chances. Please correct immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NM

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NM

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.

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 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws

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