vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 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: IL

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I never received my escrow refund check for loan XXXX Send me my refund check, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My cosigner declared bankruptcy and my loan company stopped reporting the payments I'm making on my loan to the credit bureaus. I am the owner of the account a still making the payments and account is in good standing. I spoke with them, and they keep telling me that they stop reporting once a bankruptcy has been filed. I said that I did not declare bankruptcy and they did not notify me that my cosigner did and said that there is nothing I can do to get my loan back on my report. because they removed it, my score dropped by XXXX points even though I'm still making the payments. I'm making the payments but they're not reporting it and the fair and accurate credit transaction act is not being followed. I have no documentation because I was never formally informed that my cosigner declared bankruptcy.

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 2022-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
repeated phone call s Everday day an eve hour an weekends

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently opened my credit card account at Citi and received my card a few days ago. I made my first few purchases, and then, without receiving a notice, my credit card stopped processing transactions. I called Citi 's fraud number, and they first asked me for a phone number other than my current phone number ( which is listed on my account ) that they could send a verification code to. I told them my current phone number is my only number, and then they asked me a series of security questions which I answered accurately. They told me that I would have to wait to receive a letter in the mail, which would take up to 10 days. I asked to speak to a manager, and was told that one would call me back within one hour -- I never received a call. 
I have not been able to use my credit card for transactions, and I have waited a long time on hold with the fraud department, but the issue remains unresolved.

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 2022-11-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have not received my escrow refund check. Send it 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 explanation
Consumer complaint received 2022-11-26 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: PA

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I never received my escrow refund check.

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 2022-11-26 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: PA

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.

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 2022-11-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been trying to resolve this issue but Equifax refuses to remove the following fraudulent inquiries from my credit report : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: PA

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.

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 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mortgage permits me to make advance principal payments with no fees. Each month, I pay extra toward the principal. This should ultimately reduce the amount of interest I pay, since my outstanding mortgage balance is being reduced significantly each month. The payments were all documented in written emails to the bank. There is no dispute about the amount of payments, the date of payments, or the purpose of payments. They accepted the payments, but instead of crediting them toward principal, they treated them as advance payments of my regular " principal plus interest '' payments. When I discovered this, the outstanding balance on my mortgage was wrong by more than {$11000.00}! The bank acknowledged the error but said their system would not allow them to correct it. I fought with them for many weeks, but they insisted it was too bad for me because their system could not be corrected. Ultimately they agreed to fix it, but they made some sort of error still and my balance is still incorrect, though by a XXXX XXXXXXXX XXXX  instead of {$11000.00}. They are refusing to right the error. I have escalated this as far as I can and still have not had the balance corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-26 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: DISCOVER BANK
State: TX

Complaint narrative:
Original Transaction : XX/XX/22 XXXX XXXX XXXX Event charge Dispute with Discover on XX/XX/22 Case Number XXXX I bought a ticket to a XXXX XXXX XXXX event. The event was a scam, as there were no XXXX XXXX XXXX  when i got there. I filed a dispute with Discover and they did not refund us as the merchant had set the terms of no refunds and they wouldn't escalate the dispute. No refund terms are null and void if the service they advertised were never delivered. I never received what i paid for and Discover refuses to refund my money. I would like to officially file a complaint against the company to request a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 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: VA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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: VA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company is harassing me. I have proof of my phone records, today Saturday XXXX 2022 they have called my phone XXXX  times in less than an XXXX  to collect debt. They called at XXXX, XXXX, XXXX, XXXX. If this isnt harassment to collect a debt I dont know what else is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 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:
In accordance with the fair Credit Reporting act US Department of EDU # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: UPGRADE, INC.
State: LA

Complaint narrative:
Following up the previous complaint XXXX. I had a refund missing for weeks and since the complaint I was finally able to see the transaction backdated to XX/XX/XXXX that says " Post Payment {$100.00} '', however my balance prior to the refund was already {$0.00}, if the refund was processed correctly I should've had negative {$100.00} on the card. I reached out to support multiple times and was told the refund to be sent to the upgrade checking account by XX/XX/26, at the time of filing complaint the refund is not in my card balance or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
I deposited {$170.00} on XX/XX/2022 and it was to be available on XX/XX/2022 and it was not and the app register was corrupted and there was no trace of me depositing it. I tried reporting it on the chat messenger in the app but couldn't get help at all so I left a text based message in a contact form on the app. Then I called and that was a waste of time. I'm not sure who answered but they sure didn't get being a XXXX XXXX XXXX or business in XXXX. She claimed my check was deposited at another financial institution but wouldn't tell me which XXXX ir in what account. They would not refund my money but wanted to cancel my card and I said no thank you but they argued and insisted. My card was not violated and that would inconvenience me more. They said I'm warning you and then said this your last warning. Then he admitted he ported the number and answered the phone to close down the company. They took {$28.00} XXXX weeks or a month before and {$25.00} for XXXX weeks before that once a week from that account. XXXX was violated to and it was done right away when I received the payment XXXX times. XXXX dose of {$25.00} and then {$18.00} out of {$20.00} payment and then {$10.00} and when it did that it pretended it owed {$7.00} and they left the {$2.00} that was already in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I recently contacted my mortgage company PHH Mortgage to request to have escrows removed. In the past few months there was an appraisal done to re-demine value to remove PMI from the account which was completed as the XXXX is now below the requirement of 80 %, this is also the requirement to remove escrows. 

I contacted PHH with the request, and it was denied, saying my XXXX was above 80 %. I reminded that the PMI review that was done post evaluation put my value below the 80 % threshold and if PMI could be removed using this new value why would they not remove the escrow account requirement. They advised escrows are based off the " original '' appraisal value at purchase, and not any future appraisal value. I feel this is a discrepancy and incorrect as PMI is no longer required because of the calculation which is the same for escrow. 

Please advise why they can use different calculations for PMI vs. escrows on an account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GEM Financial
State: AL

Complaint narrative:
XXXX XXXX is sending constant emails every day to my personal email. No disclosure of a debt owed only asking for a card number for a payment and to call them. They use my first name only and seems fishy no other distinguishing information to make me believe these are legit emails. All the info is sent in subject line and a disclaimer at the bottom with a phone number ( XXXX ) XXXX stating to call them before XXXX. The frequency of these emails is getting out of hand the address sending it is XXXX and reply address is XXXX. Neither of those emails seem legit this started the XXXX of XXXX and they have emailed me everyday during my working hours since the XXXX of XXXX. Each email almost seems like a phishing attempt for PII using a time critical technique telling you to call before XXXX with no timeline stated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 ; TD bank reverse provisional credit for XXXX car payment transaction for the amount of {$320.00}. The provisional credit was credited to my checking on XXXX XXXX because I the XXXX transaction was paid twice. Therefore, I had it disputed. However, TD bank is reverse provisional credit. My account is in a negative balance because of this and another transaction for XXXX XXXX XXXX for the amount of {$92.00}. I did not set up auto payment or XXXX XXXX XXXX XXXX permission to withdraw funds from my TD bank checking account.

Company response to consumer: Closed with explanation