vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IN

Complaint narrative:
In XX/XX/XXXX I had The Money Source take fund from my escrow account. Which then raised my mortgage payment. They tried telling me I have tax liens on my home. Which i did not. The closing company made an error. They never adjusted my mortgage payment. I have paid my mortgage on time since. I live pay check to pay check mind you. One income household. XX/XX/XXXX I paid my mortgage three days later XXXX  returned XXXX and XXXX payments. I called my bank to clear this up. They stated that this is on the mortgage companies end. I called XXXX  Monday they told me everything is fine and processed through to call back tomorrow just to double check. I called Tuesday another lady said the exact same thing. I said mark my account because this will be on you guys then. Sure enough I owe for XXXX and XXXX now. I used the money to pay off other bills I have. I am trying to catch up. One of their managers told me that my bank did it because they didnt recognize XXXX  XXXX Which is bull since I have been using the same account for 2 years. I paid XXXX back. I cant afford XXXX now. She told me they can add it for three months. Making my payment XXXX. Which is more then my pay check. I can't afford that. I had to fill out hardship paperwork etc. Now they're going to report to the credit bureau negative remarks. Which is not fair since I didnt mess this up. Instead of XXXX owning they XXXX  multiple times they blame me the customer. I don't want to hear I am sorry and hope your day is great. I want this fixed. I should not have a negative impact on this. Nor should I really owe this money. Noone I have ever talked to has heard of this happening who all own homes. It took me five years to get a home alone after I was cheated on and left with nothing. none of this really matters, but trying to survive in life is nearly impossible. I am in XXXX and need help with this. Really sad companies can do this. worst company I have ever worked with. I have also read multiple complaints from customers with issues with them. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ragan & Ragan, PC
State: NY

Complaint narrative:
Collection law firm based in XXXX XXXX with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX XXXX. ( Garnishment order carried out by XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-30 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: MD

Complaint narrative:
On XXXX XXXX I was on the phone trying to set up things with my new XXXX XXXX. I thought I had called XXXX  support. there was a fradulent pay pal charge for XXXX to XXXX XXXX.I noticed the charge right away when it was pending. I notified XXXX XXXX  and they would not let the transaction go through since I disputed it.I had other issues and the bank said my account was compromised. I had to close all of my XXXX  accounts and had to get a new XXXX XXXX XXXX XXXX credit card. 
I had spoken to someone at pay pal and they said I do not need to pay it. On my pay pal account it still says i owe the money. i dol not believe it is on my credit report. i would like this resolved so i can continue to use my pay pal account. my pay pal account had my old address but i have since fixed it. 
please take care of this fradulent transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had a checking account with Bank of America in 2009. I received an overdraft charge of {$35.00} for being overdrawn by less than {$1.00}, if I remember correctly. I was a XXXX XXXX  without a job and just couldn't pay right away. Everyday I was charged {$8.00} for having a negative balance, and I was not able to close the account because it was overdrawn. They finally closed my account when the charges were over {$800.00}. I started to pay them back when I was able, making minimal payments every month. I had paid over {$1000.00} back and started to question them when my remaining balance was still over {$800.00}, like the original charge. I asked the bank to send me detailed accounts of why I still owed them so much money, and refused to continue payments until I got those detailed accounts. That is the last that I heard from Bank of America. Over 12 years later and I am still being refused bank accounts and credit cards, making it impossible for me to repair my credit. I recently had a checking account with XXXX XXXX and they refused to release {$200.00} of my own money so I could get a high risk credit card, stating they could offer me a better deal, and then again refused to give me one of their own high-risk credit cards because of the discrepancy with Bank of America 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 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NM

Complaint narrative:
My hours at work were cut about a month ago, and after doing research and speaking to some people at HUD, I submitted with Dovenmuehle to get a mortgage forbearance under the CARES Act extension. Despite the Act including no language about needing to prove hardship, Dovenmuehle requires proof of hardship. So on XX/XX/XXXX, I submitted copies of paystubs so I could move to their next step, in requesting forbearance. When it appeared my documents were not being processed ( appeared stalled in queue ), I sent an email, same day of XX/XX/XXXX, asking both if they could provide an update on my specific file, and give me guidance as to what their hardship documentation requirement is, as it is absent from the Cares Act. A reply came on XX/XX/XXXX, stating that they are unable to assist over the phone and that I must call ( even though the ball is in their court, as I have submitted documentation properly ). So I called then ( XX/XX/XXXX ) and waited for OVER an hour, while being repeatedly assured someone would be on the line " shortly '' by their automated recording, holding for over an hour did not result in my ability to access a human who could assist me. I then emailed letting them know I can not wait for hours, plural, on the phone for assistance -- and made a request to find out how I can be assisted here. I let them know that if they put me off I will move forward with filing a complaint as it sure seems like Dovenmuehle takes steps to prevent people from accessing the Cares Act. I got a response this morning, XX/XX/XXXX, explaining the hold times are due to the pandemic, and offering no other support, directing me again to call the same number I had just explained requires hours, plural, on hold with no support. It is with the belief that Dovenmuehle has : 1. Added additional impediments to obtaining relief through the Cares Act, despite this not being their right to do so ; 2. Dovenmuehle then does not process their own required paperwork. ( So they add another step for the consumer, and then leave the consumer stuck at this step ). It is my belief that both of the above actions are both at odds with the nature of the Cares Act, and in an attempt to prevent people from accessing it. This makes me angry and I would like some answers and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-30 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: SC

Complaint narrative:
Their was a hard inquiry I discovered on my credit report today XX/XX/XXXX, the inquiry was from XX/XX/XXXX that I had not seen before and did not recognize. I reached out to the company and followed the prompts. When I finally reached someone and addressed my issue, they gave me the same number I had used to reach them to start with. When I called back to try and reach someone, every prompt I tried told me no one was available and to try again. I feel like I was not taken seriously and that their should be a specific prompt for reaching someone about questions and concerns and that at anytime someone should be available to answer calls during business hours and not allowed to just tell you or prompt you to call back. When I finally did reach someone on prompt 6, I was given the same number used to even speak with the individual to start with and told to call that number ( the one I was already on call with ) to reach the front desk. Their are over 12 prompts for their number and none are for the front desk. After calling back and trying the call 14 different times, I was unable to reach anyone on ALL of the prompts I tried, including prompt 6 that was the only one where someone answered. Every prompt said no one was available and to call back which is ridiculous and very bad business etiquette.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 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: TX

Complaint narrative:
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Collection law firm based in XXXX XXXX, with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX office. ( Garnishment order carried out by XXXX, XXXX XXXXffice. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: VA

Complaint narrative:
This is a continuation of two prior complaints I have filed against XXXX XXXX XXXX XXXX. The two prior complaints are XXXX and XXXX. Both of these complaints were closed because, according to XXXX XXXX XXXX, they " could not identify who has submitted this complaint ''. XXXX XXXX XXXX - here are YOUR REFERNCE numbers of accounts in YOUR computer systems, which YOU gave to ME. These should suffice to identify me as these are literally the reference/account numbers YOU ASSIGNED TO ME - # XXXX and # XXXX. I am not going to give any personal information over this platform, especially when these accounts are for a MINOR. You can look me/the minors account with those two reference numbers as they are YOURS, as noted in the letters YOU mailed to me. XXXX XXXX XXXX ( XXXX ) is a scam company attempting to collect debt that is not owed and/or time barred. XXXX works with Pendrick Capital Partners, LLC as their unlawful " debt collectors ''. Pendrick Capital Partners purchases medical and billing information from XXXX XXXX XXXX. XXXX XXXX XXXX sells their patient's/client 's personally identifiable information without written consent from the patient/client. XXXX XXXX XXXX has been mailed, by me a dispute letter disputing these unlawful and DEBTS NOT OWED. I have also included a CEASE AND DESIST all communications from XXXX XXXX XXXX to me. I do not owe you anything. I have called XXXX XXXX XXXX and inquired about these alleged debts. They have on all occasions on a recorded line stated that they have forwarded any unpaid medical debts under my or my son to Pendrick Capital Partners and they even went so far as to deny knowing who XXXX even is. Leave me alone, XXXX XXXX XXXX. Stop your unlawful debt collection practices. I do not owe you or anyone ANYTHING. I have reached out to an attorney for help as well my state 's Attorney General. You are a scam company. Get real jobs and stop preying on innocent consumers. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was alerted by XXXX credit reporting agency that Hunter Warfield collection company is trying to collect on the behalf of XXXX XXXX apartments, My identity was stolen in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX XXXX in XXXX of 2019. XXXX XXXX has been charging the agreed upon amount of {$52.00} for equipment since that time. Meanwhile XXXX is taking XXXX XXXX monthly on another credit card because I agreed to pay them {$1200.00} in monthly payments in fear that they would ruin my otherwise very good credit. 
I have called them twice the last time being today XXXX trying to get this resolved asking for a statement of all of the payments that I have made. I see that there are multiple legal claims that have been filed against XXXX. I am ready to take that next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I initially reached out to Experian on XXXX regarding some unknown accounts that I had no knowledge of. I asked them to open an investigation and they responded on XXXX and XXXX saying that the accounts were verified. I wrote back to them on XXXX asking for them to show me proof of the erroneous information that they were claiming was my debt and were still reporting on my report. Experian again responded on XXXX and XXXX online saying that there has been no changes to the disputed accounts because the companies reporting the information has certified to them that the information is correct. I am appalled and frustrated that such a company who knows the law thinks that they can just send updates online saying that something is verified and ignore my request to show proof that these accounts belong to me. Here are the letters that I sent. I also had unauthorized inquiries on my report which they have yet to respond to my letter about which was sent on XX/XX/2022 asking them to look into unauthorized inquires I had on my report. This entire situation is very damaging to my overall wellbeing and I would like for it to end and just have these erroneous items removed from my report so I can move on with my life.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I was offered to sign up for the Target Red Card in store by their Cashier at their Target Location in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. She had informed me that all i needed to do was provide her with my information and she would place that application through. She had informed me i was approved for the total of XXXX credit Limit and that i can start using it before my card arrived with some recite. No other information was given to me but that. A couple of business days later my card had arrived and was able to use it. Yet i was not informed of what my interest rate would be or what even is the amount of time i have before i would be charged for interest none of that was provided to me. I then began to receive phone calls from their collectors informing me i had debt to pay i was aware of the XXXX XXXX i needed to pay because that was the only transaction i had done with the card later to find out i owed late fees. I own other cards i have an excellent on time paying record showing i would never make a payment that is almost a whole entire month late is has ruined my credit and i have contacted their customer support only for some so called higher up let me know it's my problem and and if i was smart enough i would have searched it up. That is the worst i have ever had to deal with.

Company response to consumer: Closed with explanation