vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We have a mortage for our home through Newrez LLC XXXX # XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX. 

Our loan number is XXXX. 

We have been paying PMI since we got the mortgage but on XX/XX/2022, we submitted an application to have the PMI removed. 

Newrez sent a appraiser XX/XX/XXXX to review the property. From then on, I followed up with the appraiser to see if he sent the appraisal over to newrez which he confirmed. 

From then on, whenever I call to NewRez, they keep saying that the application never came through, or that I have to wait a week to call back and keep repeating the same information over and over again. Based on what our comps are we know that we have enough equity to not have to pay PMI but we are having a hard time getting hold of newrez. 

To me, it looks like a deliberate attempt to avoid having PMI charges removed from our loan. I would appreciate if CFPB can follow up on this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 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: MD

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

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

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 2022-06-22 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: MD

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
For most of XXXX, I held XXXX shares of XXXX XXXX in a brokerage account with TIAA.. 
When I received my income tax forms from TIAA, I noticed capital gains associated with the sale of the XXXX shares of XXXX. I was neither aware of or authorizing of the sale. On XX/XX/XXXX, I called TIAA ( XXXX ) and spoke with XXXX XXXX. He advised that the XXXX shares had been acquired by XXXX XXXX on XX/XX/XXXX. He checked my TIAA brokerage filed reported to me that he found no notice to me of the sale. I e-mailed XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. I received an e-mail from XXXX XXXX, XXXX XXXX  Investor Relations on XX/XX/XXXX. XXXX XXXX reported that the merger was announced in a press release on XX/XX/XXXX. He indicated a XX/XX/XXXX press release announced regulatory approval of the merger. An XX/XX/XXXX press release announced the completion of the merger. TIAA did not advise me of any of these events. I remain completelyunaware of who authorized the sale or why, I, thenshareholderwas not consulted. I would not have sold the shares if I had known of the transaction. For documentation, I have TIAA Brokerage Account Year End Summaries showing the sale, a copy of the the XXXX XXXX  e-mail, and my notes regarding the XX/XX/XXXX phone call with XXXX XXXX. On XX/XX/XXXX, I filed a complaint by mail with XXXX. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke with XXXX. He advised that XXXX had no record of receiving my complaint and would not have contacted me anyway because " We run a completely impartial service. '' I find this investigation process to be completely unacceptable and instead filed my complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a complaint with cfpb for paypal credit operated by synchrony bank charging me {$7500.00} after I paid my balance of {$7500.00} with a consolidation loan. They credited me the {$7500.00} and I closed the complaint. However I received a letter on XXXX telling me that they are charging my account {$7500.00} for lack of proof of payment. I submitted the picture of the front and back of the cashed check for {$7500.00} from my bank XXXX XXXX XXXX XXXX as proof of payment. Please help me this is the 2nd time they have denied my dispute and they continue to charge me for money i paid off.

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
Consumer complaint received 2022-06-22 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-22 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
The Chase United Airlines Explorer card is offered with incentives that frequently change. I chose {$250.00} credit + XXXX  miles if we each spent {$3000.00} in 3 months. I did. Chase gave me {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is about Wells Fargo, They've been telling me my account would be closed by XXXX and now the date changed to XX/XX/XXXX ... today after waiting on hold for well over an hour with the Executive office i was told i was wrong and it was stated to be closed on XX/XX/XXXX. This was NEVER communicated to me. 


When i spoke to XXXX XXXX on XX/XX/XXXX, he informed me " As soon as the wire recall is cancelled we could close this the same day. 

this was false, XXXX cancelled the wire recall over a week ago from today ( XX/XX/XXXX ) and wells fargo is still telling me my account is unable to be closed and transferring me to the fraud department. 

this bank has been holding my account at its mercy for a month now, it is now time to seek legal counsel and file OCC complaints if my continued complaints keep resulting in no action. 

Account # XXXX best regards, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: MO

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

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

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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
There was a transaction on XX/XX/2022, that I did not authorize on my Paypal account for {$220.00} converted to Thai currency. The recipient was ( XXXX ) The transaction description was in broken XXXX. 

I got the point outr was a lot more money to go to get to my house I do not know anyone in XXXX and I did not purchase anything online. 

I immediately called Paypal to dispute the transaction, but they ruled that it was not unusual activity and would not reverse the transaction. 

I also called my bank to inform them of the situation. In order to stop any withdrawals from paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both XXXX and Transunion have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX XXXX  ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If XXXX and Transunion does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I ran into some medical issues and got behind on my payments in XXXX I called was advised what needed to be paid to get back on track I made a {$690.00} payment XX/XX/XXXX and another $ XXXX mid XXXX and was told I was back in good standing tried using my card XX/XX/20 to be told the account was closed I was never advised my card was closed as a matter of fact when I went into the app to check my balance its still showing I have XXXX in available credit so I called again today they had no answered for me and told me it can take XXXX days to get resolution Ive never missed payments prior or since all my emergency medical issues

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 2022-06-22 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: NY

Complaint narrative:
I spoke with these various companies they informed me they would look into it I still havent seen anything done yet

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus keep reporting my personal information as inaccurate, the last day active is inaccurate, and collection reported inaccurate. This is grounds for removal. They also violated my rights under the following : 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.S 1682 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 2022-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
I lost my job due to Covid and have experienced financial hardship also due to hurricane Laura and delta. My home is unable to be occupied due to these hurricanes. I have hired an attorney to receive payment from my insurance company but am still awaiting results. My mortgage company m & t bank is telling me I am ineligible for any assistance due to the home being non owner occupied. I looked on huds website and it shows there is assistance available for non owner occupied homes.

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Statement balance from XX/XX/2022 statement showed XXXX. I downloaded XXXX file of statement and discovered that the previous payment of XXXX was recorded on the statement but was not deducted from the balance. My credit card company is now charging me XXXX in excess of purchases actually made ( purchases calculated to be XXXX ). I have spoken to multiple people who have not been able to seem to understand the problem which could easily be solved by them just doing a simple calculation, instead they just read the statement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was involved in a rental occupancy scam on XXXX XXXX, I sent out payments to who I believed was the homeowner in good faith, was giving a lease to move into the property and found out on XXXX XXXX that I was a victim of a rental occupancy scam. I have a police case XXXX with the castle hills police department. I also filed a scam fraud report with the XXXX, FBI, FTC, and the attorney general. BoFA sent me a denial letter without asking for any supporting documentation about my open investigation. I am a victim of a fraud scam how can you deny my claim without asking for proper documentation.

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 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX  XXXX XX/XX/XXXX INQUIRY Us Small Bus AdministrationXXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app allowed someone to access my account and change all of my information stealing hundreds of dollars from me. This happened on XX/XX/19. I called Cash app and had all of my old card numbers, could verify the amount of the deposits, I could verify the old information prior to the change these hackers made, all of it but they stated they could not get me in and would not help me gain access to my cash app account again. I was told that because it was changed by them I am just out all of it.

Company response to consumer: Closed with explanation