vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
I had XXXX last payment to make on my mortgage. I received the final statement with the final payment amount XXXX XXXX XXXX. I immediately sent the payment even though it was a few weeks early ( sent XX/XX/XXXX, due XX/XX/XXXX ), as I am excited to payoff the mortgage. I received a confirmation email XX/XX/XXXX that the payment was received confirming the amount {$1300.00}. Everything was fine and paid in full. 

A day or two later I received a letter dated XX/XX/XXXX stating that if I wish to payoff my loan at this time, I needed to request a payoff statement, among other end-of-loan activities like canceling automatic bill pay. Since I already made the payment per the statement I ignored the letter. I did not wish to payoff early, just on-time by making the normal final payment. 

On XX/XX/XXXX I received another letter dated XX/XX/XXXX stating my loan is NOT paid in full and remains active, due to a shortage of funds, and to see the attached payoff statement. There was nothing attached. I called PRMG XX/XX/XXXX and was on the phone for 27 minutes with XXXX (? ), and she took some time to review and understand the situation. She could not provide any reason the additional fees and payoff statement were created, nor was she able to help credit my payment properly per the final monthly statement I received and paid. But she did direct me to the website ( I was already logged in ), and said I should review the documents section to find the payoff statement. She would not send another. 

I found the statement and sent an additional {$180.00} via my bill pay service - the same way I have always sent payments and they were always received. However, after reading the 4 page statement / letter it said that I could ONLY send a wire or certified funds. 

I went to my bank and tried to make a wire transfer, but the wire instructions provided did not make sense, mostly due to no complete bank address provided. My bank suggested I send a cashiers check ( certified funds ) as it would be cheaper even with overnight delivery. So I got the check and sent it to a different bank / address per the instructions ( not where the wire was supposed to go ). This cost {$24.00}. 

I do not believe that the mortgage servicing company had any right, authorization or other basis to force me to follow the extreme measures and pay additional fees and charges. 

Any help you can provide to resolve this issue is greatly appreciated. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am trying to make a payment on a new loan. The loan is not " booked '' yet is the term the respondent 's employees use. I was advised by an employee by the name of XXXX that if I supplied my application number which is XXXX that I would be able to make a payment after supplying that number to their " approved application department. '' I verified that the dealership has been paid by the respondent. Unfortunately, the respondent is engaging in dilatory practices and is refusing to accept a payment.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting an incorrect address on my credit report. On XX/XX/XXXX, I mailed a signed letter to Experian disputing the incorrect address and included a copy of my driver 's license and current utility bill. I have never lived at the XXXX address. The XXXX address does not even exist. Experian responded with the following statement in Report # XXXX, dated XX/XX/XXXX : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On or about XXXX I called Citi Bank about my rewards program. I was asked my social security number and I asked which country I was calling. The rep told me the XXXX. I asked to speak to someone in the XXXX. The representative who answered asked my information and I gave it. She did not ask for my social security number. I advised her it was not okay that I had to speak to the XXXX and never a XXXX representative. She didnt like that I said this. AT NO TIME DID I REQUEST MY ACCOUNT CLOSED. BUT SHE CLOSED IT SHOW I REQUESTED IT TO BE CLOSED. I have been calling constantly. I was informed I would need to reapply for a card I NEVER closed. I would have to take the inquiry on my credit when the account was closed fraudulently. And then when I call, they tell me that the representative closed it and then today on XX/XX/2023 I was informed that supposedly it was close through the phone system. Which I dont know how you can close an account through the phone system. Citibank has been very disrespectful and unprofessional about every situation.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Pleases see attached documents. Do not close this complaint stati ng it is not me. I am a natural person and a consumer.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This company is reporting inaccurate and or incomplete, unproven, NON- COMPLIANT ACCOUNTS INFORMATION. I dont recall having any business transactions or dealings with these companies and or original creditors listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In 2020, the IRS contacted via mail stating that I made XXXX through Paypal account. I spoke with paypal and asked them to confirm that I made that amount that they told me that I have never made XXXX through paypal nor has that amount ever passed though my account. They provided me with a letter via email as well as my transactions from 2020. However, the IRS informed me a second time that Paypal confirmed with them that I did receive XXXX through paypal. I am not receiving the same information that is being reported to the IRS and believe that my personal identity was used to create a paypal account that I do not have access to or am aware of. There have been damages because of this as the IRS has begun taking my income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-21 00:00:00
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Multiple items on my hard inquiries are unrecognizable and need to be removed immediately it is hurting my consumer 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This fraudulent information is in my credit filelegal action is pending against Equifax. I have submitted a police report with my dispute, and this account keeps getting deleted and reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Did not authorize two Navy FCU hard inquiries that I would like removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It's been more than 30 days, and Equifax hasn't responded to my inquiry. They're supposed to follow up on investigations, and them not doing so breaks the law. Ignoring my request is a violation, and I need them to take this item off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Dismissive Handling of Dispute by Chase Bank Staff Dear Chase Bank Customer Service, I am writing to express my dissatisfaction with the handling of a recent dispute by one of your employees. I believe it is crucial to bring this matter to your attention for appropriate resolution. 

On [ date ], I initiated a dispute regarding [ nature of the dispute ] in the amount of [ amount ]. Despite providing all necessary documentation and details, the Chase Bank employee assigned to my case displayed a dismissive attitude and failed to address my concerns adequately. This experience has left me frustrated and dissatisfied with the level of service provided. 

I expect a higher standard of professionalism and customer care from a reputable institution such as Chase Bank. It is disheartening to encounter such a lack of diligence in resolving customer issues, especially those related to financial matters. 

I kindly request a thorough review of my dispute case and appropriate action to be taken to rectify this situation promptly. I believe in the importance of maintaining customer trust and satisfaction, and I trust that Chase Bank shares these values. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was told today XX/XX/XXXX from XXXX XXXX at the XXXX XXXX XXXX branch that the risk department would not return my verified funds and that I would have to wait for the funds to go to the state of California before I could get my funds with no reason no explanation. I dep a check from my XXXX acct XXXX and they took that money and put in a gl acct risk management did ..for no reason the check was cleared and verified. 
They sent me a closure date and said my verified funds would be sent back and that did not happen .now they have kept my funds in a gl acct and sent me XXXX dollars that was left over in the acct and now they are telling me to have the bank the check was drawn on to re collect the funds that would be the only way to get my funds back. 
This is very wrong how can us bank keep my funds when they were verified ..I have not done anything wrong but try and survive.

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 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
I HAVE SENT A LETTER TO DNF ASSOCIATES REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION. 



This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX XXXX XXXX XXXX ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last XXXX digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.

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