vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: IN

Complaint narrative:
I have been trying to have PMI removed from my loan since XX/XX/XXXX. I did an extensive remodel on the home. I followed the companies policy for removal by emailing and submitting renovations to no avail. On XX/XX/XXXX I submitted again and this time provided the appraisal I had done that clear states my home XXXX has surpassed the 20 % equity to remove PMI. I have called several times and given a promise that someone would call back. I have not received a call or any communication regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX pm. I received an email from Comenity Bank that read, " Putting your mind at ease about your payment due. We know the recent system outage has been frustrating .... '' I made two payments electronically from XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and neither has been received by Comenity as of today, XX/XX/XXXX. Both payments are reflected in my bank account. 

Since I received the email on XX/XX/XXXX, I started checking my Comenity acct each day. On XX/XX/XXXX I tried logging into my account and could not. I tried calling and would only get a answering machine XX/XX/XXXX I could log on and see my charges and my balance, but no one would answer at Customer Service. 

XX/XX/XXXX after XXXX pm I finally spoke with a Customer Service person. They suggested I make another payment. Why would I make another payment when the other two have not been credited to my account? I asked to speak to a Supervisor and spoke to someone named XXXX. He kept saying there was a system update and assured me I would not receive any late fees, but could offer no timeline for the issue to be resolved. I have a suspicion that there is something else going on. No credit card company would have their system down for this long to receive payments and inconvenience their customer base. I called BJ 's XXXX ( Comenity is their bank ) and let them know what was going on and they were aware and said it has been going on for three weeks! BJ 's put me through to Comenity and immediately they want me to send another payment. I will not send a third payment until the other two are reflected in my balance. I feel like something else is going on and not just a " system update. '' I'm guessing our data has been breached and they are not telling us. This is beyond ridiculous at this point and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX Informed Bank of America and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
During a recent trip abroad, Bank of America placed an unexplained hold on my credit card. We had been using it successfully for about a week then, on XX/XX/XXXX, the company blocked a payment I made on it as I had been nearing my maximum. However, they did not return the amount to my checking account. This meant I was missing {$2000.00} from my checking account and was also blocked from using my credit card. The company said there was no explanation and there was nothing they could do to override it. I would have to wait 7 days for it to be lifted. Being in a foreign country, this was extremely concerning. We were able to use my husband 's debit card instead, but I felt this kind of thing should not happen to leave Americans in foreign countries potentially without any access to their money. We asked to speak to supervisors and the social media team contacted the company on our behalf, and were told the same thing.

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 2022-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was recently transferred to RightPath Servicing from XXXX XXXX last month. I created a login for Rightpath Servicing 's website to review my account. I just reviewed my account balance and noticed a charge for {$59000.00} in lender paid expenses. I attempted to reach a solution with Rightpath but was disconnected repeatedly. 

The company does not have an email address for me to send this request to so I'm filing a complaint due to the verbiage in the transfer papers that stated if the balance is incorrect and not disputed in a timely manner then the debt is assumed by the customer. My original XXXX  loan amount was {$210000.00} at closing on XX/XX/XXXX. My current unpaid principal balance is {$140000.00} as of XX/XX/XXXX. I recently was approved for the XXXX XXXX XXXX XXXXXXXX and received {$47000.00} which cleared my past due balance due to XXXX. The loan payoff as of XX/XX/XXXX is {$210000.00} which makes no mathematical sense. 

There were no lender paid expenses paid on my behalf. I'm requesting this amount be removed from my account immediately. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with Discover and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for XXXX than from XXXX and then compared the two report and noticed my opened Discover credit card account was no longer reporting to my XXXX credit report. It continues to report to XXXX and XXXX. I called discover several times regarding this issue in XXXX and was told to that they are reporting the card to XXXX and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called XXXX and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to Discover they direct me to contact XXXX and when I speak to XXXX  they direct me to speak with Discover. I have paid my bill on time since have the account for XXXX  years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX {$12000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my Transunion, XXXX and XXXX Credit report

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 2022-07-08 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: MA

Complaint narrative:
I XXXX XXXX am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-08 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: TX

Complaint narrative:
XX/XX/XXXX Informed XXXX  XXXX XXXX and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.

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 2022-07-08 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:
XX/XX/XXXX Informed XXXX  XXXX XXXX and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.

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 2022-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX my escrow account was charged XXXX. This was for home insurance policy renewal. On XX/XX/XXXX my escrow account was charged XXXX again. This resulted in my escrow account going into the negative. I have contacted PennyMac by phone and by message center. They refuse to acknowledge the issue despite evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was interested in making a large purchase and was told through the companies chat feature on their website that the store could offer better promotional rates than the website or app on large purchases. On XX/XX/2022 I went to the Lowes store near me and made a purchase for {$2100.00}. The employee got on the phone with someone he said worked in the Lowes Credit area and that I would get XXXX  months 0 % interest offer. I was told I would receive a letter indicating this. I have never received a letter. When my bill came it only said 6 months 0 % interest. I called and their phone line tells me to go online and chat, so I did. In the chat the employee said she could not fix, I would have to go to the store and ask them to fix or call XXXX. This seems very deceptive to me to make a customer call and chat with some many places. I feel they are trying to make it hard to deal with in hopes of XXXX you out of money.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
A Target and XXXX credit card were open using my information on XX/XX/2022. Target and XXXX tell me this was done online. I Have placed a credit freeze and Alert with all three major credit agency 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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:
I noticed 3 inquiries that I neither authorized nor had any connection with. On XX/XX/2022, XX/XX/2022, and XX/XX/2022, XXXX performed a Hard inquiry on my Equifax credit report. Upon contacting XXXX I was informed this was a bank that I have no personal account with or connection. Therefore due to this inquiry not being authorized, I requested to have this removed from Equifax at which time they informed me that I need to complete this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number XXXX # XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX # XXXX ) XXXX XXXX XXXX Original creditor : 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 Thank you.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have XXXX retail credit cards through Comenity Bank. For the last several weeks, I have been unable to login to my account. I cant view my statement, my payment that is due, my account information, or anything else. It says to call for assistance at the website screen, but when I call, the associates say their system is down and they cant access any of my information. They say that I should call back in a few hours. This has been ongoing for weeks now. I need my account information as I am consolidating these debts with a loan from another bank and they cant pay these off without my account information. This is extremely infuriating and Ive never experienced anything so awful in my life in terms of my finances and personal information.

Company response to consumer: Closed with explanation