vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac started out by taking months longer to close my loan than promised. 

Now they finished by failing to send an escrow refund in the XXXX days required by law. They claim to have sent the refund, but its been over the XXXX mailing days that is reasonable to receive a refund check ( and theyve ironically sent several other documents that dont cost them money ), but were sitting at XXXX days past closing and the escrow refund is nowhere to be found, while I have to move and need my money. 

Absolutely horrible, dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CLGF Holdco 1, LLC
State: NC

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - Account # XXXX. The incorrect reporting of this account have violated my rights. 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. The credit bureaus are reporting this account as a charge off with 51 late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.

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 2022-12-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - Account # XXXX. The incorrect reporting of this account have violated my rights. 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. The credit bureaus are reporting this account as a charge off with 51 late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.

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 2022-12-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 any purpose.

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 2022-12-04 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Self Financial Inc.
State: NY

Complaint narrative:
This is the information needed to verify my identity. Please stop reporting adverse information to creditors unless you can provide the following. By law if this information is not provided you must remove the debt. 

1.original contract 2.Pay off disclosure 3.balance history 4.payment history 5.credit insurance In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose. 


To verify my identity XXXX XXXX XXXX XXXX of my social : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Remove all late payment status to current

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Monterey Financial Services LLC
State: MS

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 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 : A consumer reporting agency can not furnish an account without my written consent 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On the morning of XXXX XXXX I saw that Id received texts and emails at XXXX of all of my banking information ( phone number and email ) being changed without my permission and {$1100.00} transferred out of my account without my permission. 

I immediately contacted Chime over the phone and by email and filed a police report with the local police. I provided screenshots to each of them of the evidence. I was informed that they would do everything to resolve the matter and while under investigation they would issue me a credit to cover the amount. Tonight on XXXX XXXX, I received an email stating that my dispute was closed and that they detected no fraud even with all of the evidence I provided them. Ive never made a Pay Anyone transfer before and only use the account to pay credit card bills and rent. The money stolen was my rent and I will be facing eviction without it. 

I am told that it will take 45 calendar days for them to review the investigation and I will not receive my money back in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hard credit inquiry on my credit reports on XX/XX/22. I did not give them permission to run my credit, and my credit score has gone down. I want this removed and for the company to provide me with how they obtained my personal information.

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 2022-12-04 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I bought XXXX tickets on XX/XX/XXXX in the amount of XXXX. I used my Chase debit card. But XXXX XXXX got worst and our safety is my priority. I requested for cancellation and get my Refund. I even purchased a protection plan in the amount of {$290.00}. I disputed a claim and submitted the supporting documents for both and CHASE CLOSED the case because of its almost two years? According to the merchant Asaptickets they did the refund but according to Chase they didnt receive on their end and the card that I used is not even on my profile?, and not even a closed card? How could it be? This is my earned money and saved it. Please help me to resolve the issue. I attached the message from CHASE BANK and XXXX. Thank you for the assistance. Much appreciated. 
Sincerely, XXXX XXXX XXXX XXXX FROM XXXX  : In regards to your refund for booking XXXX From XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX Dear XXXX, Hope you are doing well. 
On XX/XX/XXXX, the credit was reversed back to the issuer and they accepted Network Accepted XX/XX/XXXX XXXX PST Decision Final Issuer Accepted Account number : XXXX Amount : - {$3200.00} It is better that you provide them with the full CC number, Per the letter attached, your bank doesn't see a card ending in XXXX associated with your account. 
Looking forward to hearing from you. 
Thank you. 
Sincerely, XXXX XXXX XXXX  Special FROM CHASE BANK : Sent XX/XX/XXXX XXXX XXXX From Chase Online Subiect Re : Account inquiry Delete Reply Dear Retail Claims Customer, We have received your request and reviewed your claim. 
Your claim iS : Claim # : XXXX Claim Status : Closed Additional information : I ve check the account for the amount XXXX and I do not see that amount to be refunded. Once thing I did notice is the card used ending in XXXX is not on your profile even as a closed card. 
If you have any further questions please don't hesitate to reach out to uS. 
Thank you for choosing Chase.

Sincerely, The Retail Claims Team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
I am looking to get a refund on my federal student loans under the CARES act for my payments made during forbearance. I started school again ( XXXX ) and hit the " Cost of Attendance '' cap for my student loans and have been struggling to pay rent. 

I submitted my refund from Edfinancial on XX/XX/XXXX via phone call. I have yet to receive any initiated communication from Edfinancial regarding this inquisition.

I called Edfinancial again on XX/XX/XXXX to check on the status of the refund. They said they were unable to verify the status, only that it was a successfully submitted request. When I asked for a timeline, they told me they were unable to give me a timeframe. 

I made a refund request to my other loan servicer earlier this month and was given an XXXX week timeframe. 

Due to my financial situation, I am very upset with the lackadaisical attitude of Edfinancial. I would have appreciated a quicker turnaround for these refunds, or at least more transparency with their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-04 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:
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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

16 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 explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
PHH Morgage my bank constantly tells me that it is in the contract and that we must follow it since that is what I committed to. For example, since my first check of the month is lower, I use it to pay for things like electricity, car payment, cable, water, etc. The problem is that my mortgage is also due on the first of the month. I asked my bank if I could change my payment to the end of the month instead of the beginning. They said they could not change the contract that I agreed to and thus could not move my payment to later in the month. So, for five years, I paid my mortgage every month ; the only problem was that I paid it late. So, I paid an extra XXXX XXXX a month to cover late fees, but I also took a beating on my credit report because my payments were late. Nevertheless, I paid and lived with it. Now what is happening is the escrow. My agreed payment when I signed this apparent no-wiggle room contract was {$1600.00}. But since they can now change what they want in the contract and just by anticipating. Not even knowing, but anticipating? that the escrow may change, my agreed upon monthly payment of {$1600.00} is now {$1900.00}. We could barely pay the monthly payment we agreed on. They say that my escrow went from {$160.00} to {$480.00} a month. That is wrong in so many ways. It trumps not being able to change my due date because this could cause us to lose our home. Plus, my interest went up even though I have a fixed interest rate on the loan. We love our home and have done everything to keep it but now my bank looks into their crystal ball and anticipates a payment hike and now what I must live with this too. Shouldnt a VA loan protect me from this?

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 2022-12-04 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 we returned from a trip to XXXX and upon reviewing our Chase VISA transactions noticed charges for groceries purchased at a XXXX and delivered to a XXXX XXXX address on XX/XX/XXXX. We live in XXXX. 

We immediately went to our local XXXX ( XXXX ) store and discovered someone had accessed my frequent shopper card and its attached Chase VIsa number. 
This was immediately reported to Chase and XXXX and Chase has now twice told us the charge was valid and our responsibility! We need your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04 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: DISCOVER BANK
State: NY

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Ive been trying to get an access code numerous times and I mean numerous times to verify my identity! This situation has put me into a bind im already about to lose my vehicle that I just purchased! I think that they are keeping my money XXXX I think that is unfair and I think its literally ridiculous how their representatives speak to people! when I open the account that was my verify phone number and all of a sudden they started declining my transactions declining my funds and literally ignoring my calls!! To where they would just hang up on me I think theres an active stupidity and ignorance and I hope that you guys can help with the situation and expedite my account to be open so I can use my funds! If this is not resolved I will be forced to close my account!

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 2022-12-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act, Wells Fargo Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my 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 any purpose.

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