vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: NY

Complaint narrative:
1 XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
Pay pay sent tect they charged me over {$27.00} for a purchases i dont know about and ask me to call about it. I think its fraud activity so i did not communicate with them see attached screen shot of text

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
Equifax ignores all my certified mail correspondence for debt validation so I can follow up they have been reporting the following items erroneously. These items are included in my identity theft report also. But company ignores all fcra laws. Also my privacy was violated I never gave anyone permission to furnish my personal information not written nor verbal. They are in violation of my privacy right according to U.S.C 1681 section 604A section 2. 

1 ) XXXX  2 ) XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX coll 6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
The first year anniversary date of my reverse mortgage is XX/XX/22. I have maxed out my first year line-of-credit balance. I need to make a line of credit ( LOC ) draw to pay urgent medical/dental bills by XX/XX/22. 

Yet the mortgage holder tells me I can not receive a draw on that date. They say that XX/XX/22 is the first time I can request a draw and that it will take XXXX business days to be processed, then the money can be placed in my account. ( My bank wouldn't receive it until XX/XX/22. ) They told me a line-of-credit draw submitted before XX/XX/22 would be rejected. 
So, if I send in a line-of-credit draw request XXXX days before XX/XX/22, they would ignore it. 

Is this in agreement with government rules concerning reverse mortgages? Can they force me to wait XXXX days after my anniversary date to receive my draw? 
Thank you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
Dispute payment XXXX XXXXXXXX XXXX in amount {$100.00}.

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 2022-04-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I have XXXX account that XXXX are report that are inaccurate. I just called XXXX for the third time today to have reinvestigated. Below are the accounts listed on the credit report. Both XXXX and XXXX have removed these accounts. 

1 ) JPMCB - CARD SERVICES. No account or phone number is listed on my credit report for me to contact them. XXXX removed from my credit report and then JPMCB-CARD SERVICES reported it again. This is not my account. I have never had the credit card or have ever used this account. 

2 ) XXXX XXXX - I spoke with XXXX XXXX with XXXX on XX/XX/XXXX they represent XXXX XXXX. I was told this account will be removed yet they are still reporting on my credit. 

3 ) XXXX - Spoke with XXXX and XXXX on XX/XX/XXXX and was told this account was suppose to be removed from my credit. They are still reporting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: NJ

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 XXXX Original creditor : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 2022-04-20 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, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-20 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: ID

Complaint narrative:
XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 2022-04-20 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: ID

Complaint narrative:
XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has XXXX collections from XXXX XXXX {$610.00} {$2300.00} Experian has XXXX collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022, I paid Amerisave Mortgage Corporation {$550.00} ( see credit card statement attached ) to lock in a mortgage rate of 3.75 % for 90 days, until XX/XX/2022. I came under contract for a house on XX/XX/2022 but the agreement was mutually canceled on XX/XX/2022 because the appraisal came in significantly under the contract price. Now Amerisave is telling me that my mortgage rate of 3.75 % can not be applied to any other properties, because they had attached the address of the property from the canceled contract to my application, and now the application can only be accepted with that property or canceled. They will not allow the application to be updated with a new address. However, as you can see in the attached signed agreement, the agreement was not made with respect to a specific address. The agreement was made prior to coming under contract with the house now listed on my application. There is no language saying that once an address is attached to my application that the rate lock can only apply to that address nor was that communicated to me verbally. On XX/XX/2022, they quoted me a rate of 5.375 %. We made an offer on a house on XX/XX/XXXX for {$570000.00}, if accepted, this increase in mortgage rate will result in approximately an additional {$150000.00} in payments ( after 20 % down payment ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OK

Complaint narrative:
we refinanced with loan depot in XXXX XXXX XXXX for the amount of {$120000.00}. our home burned and we lost 100 % of everything we owned on XX/XX/XXXX XXXX our insurance company XXXX XXXX promptly paid {$120000.00} in XX/XX/XXXX. Loan depot did not apply that payment until XXXX XXXX XXXX we were in XXXX XXXXXXXX bankruptcy at this time making on time payment through the bankruptcy trustee. loan depot filed a revised claim stating that they were owed {$5500.00} after the insurance check was applied. however after asking for a complete mortgage history from loan depot and reviewing it the balance as of XX/XX/XXXX was {$120000.00}. we there for were again making payments through XXXX XXXXXXXX bankruptcy on the supposed {$5500.00} that they claimed we owed. we paid that until XX/XX/XXXX and we dismissed our case. on XX/XX/XXXX Loan Depot through their attorney filed forclosure int the amount of {$120000.00}. we contacted their attorney and informed him of this situation. he did nothing with the case. we then began working with loan depot trying to get a solution to this we could get no answers from them at all other than we were in forclosure, we filed for modifications, it took allmost 2 years to get one when we finally did we made our payments on time, when our final paperwork came due it was received late due to no fault of our own. our state was in a governor declared state of emergcy and XXXX XXXX did not pick up from the drop off location for quite some time this was of no fault of our own. the kicked us out of modification due to this. their attorney then filed to modify the amount of money that they claim we owed. we began working with their attorney trying to get answers, we feel nothing is owed once we had an attorney look over the complete mortgage history in fact we feel like we are owed. todate XX/XX/XXXX their own attorney still has no answers, they are still trying to rack up fees for pmi, inspecitons, intrest and so on. they have been paid approx. {$130000.00} on a {>= $1,000,000} loan. misapplied our insurance check, and still will not give us answers, this has caused us much undo stress, mental stress, loss of sleep and turmoil. not to mention the hours upon hours of dealing with this nightmare. we want a mortgage release asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a letter in XX/XX/2021 advising me that I was denied for credit with Wells Fargo and needed to go to an in-branch and present documents to get approved. I never applied for anything with Wells Fargo. I immediately looked up the Wells Fargo toll free number and called to report. I spoke with a XXXX and was advised that a report would be opened. That report number is XXXX. I have since attempted to follow up and have not had any success. I keep being transferred to a different department with different numbers : XXXX XXXX XXXX XXXX advised me that Wells Fargo would investigate and would report to me the results of the of the investigation. To date, they have not reached out to me nor have I been able to contact anyone at Wells Fargo in the Fraud Department, Customer Service, Application Department, etc.

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 2022-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I had an over $ XXXX 11 month XXXX coming up for renewal XXXX XXXX, 2022 with Ally Bank. Ally Bank sent me a letter about that, giving me a phone number where I could give verbal directions on what action i wanted to take. Within grace period, I spoke to XXXX on the phone XXXX XXXX, 2022 at Ally Bank and directed her to NOT let the CD renew. Rather, to put the funds into an Ally Savings account, which she said would earn only .05 % APR " less '' than the CD. I said yes, do that, but under no circumstances did I want CD to renew. She said she understood and I thought the whole matter was concluded. Weeks later I received a letter congratulating me on my renewal of my CD. I called and was not happy. I told them this was an error on their part. I was advised they would pull up the recorded directions and get back with me. I said yes, please do. I was later informed that yes, they did find recording and I did make this direction BUT I had gotten off the phone before everything that needed to be done was done to complete the transaction. I said how would I know that unless someone told me. Why didnt anyone call me back, OR email me, OR write me a letter, or anything. I further told XXXX, the last person I spoke to on XX/XX/2022, that they had all the information and IF certain things needed to be done in a phone call before the directions were followed out, then that should have been spelled out 1 ) in the initial letter telling me to call, 2 ) at the beginning of the phone call where I gave instructions on what I wanted done. I said I am not clairvoyant. How am I supposed to know something the bank needed wasnt obtained unless I am told? No response. I insisted someone higher in management call me. I was promised they would. That never happened. 

The best I could get from them was an offer to close the account, WHEREIN they would charge me an early withdrawal fee. '' That was completely unacceptable. They wanted to charge me for their error! 

This entire thing is preposterous and Ally Bank shouldnt be allowed to conduct business in this fashion! I would highly recommend people take their banking needs elsewhere. To date, I have not heard one word more about this and now I am earning next to no interest on a very large CD I did NOT authorize!

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/22 I contacted PNC Bank credit department in regards to incorrect late fees on my credit card account. I had money in my primary account to pay the bill but it did not go through and came out as " error '' on their end resulting in me getting 3 late fees of {$27.00}. I was refunded one and told that they would not refund the others even though it was not on me that the errors occurred and I was not at fault. That they could not go back to XXXX or XXXX and refund the other two {$27.00} late fees. These are fees that I was told were not due to any fault of my own or lack of funds in the account but bank errors. So why am I being forced to pay them? I was also treated incredibly rude by XXXX and told she would not transfer me to anyone else to speak to and that, " I could call the customer service number back and speak to someone else '' same number I was on with for an hour already. I did call back and do another complaint against XXXX.

Company response to consumer: Closed with monetary relief