vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PulteGroup, Inc.
State: MD

Complaint narrative:
In XX/XX/2023, during the home buying process, I was in-between picking XXXX XXXX and Pulte Mortgage ( my builder 's lender ) to be my mortgage company. I decided to go with Pulte Mortgage because they were offering discounts to use them. the initial lender estimate I received showed my closing costs just under {$7000.00}, so I decided to go with them and buy down my rate. 

In XX/XX/2023, I received a lender estimate from Pulte Mortgage following the signing of my contract and buying down my rate, that my closing costs would be around {$22000.00}. this included a seller discount/credit of {$28000.00}. this was signed by me on XXXX XXXXXXXX XXXX, and referred to multiple time over the next couple of months. 

I was scheduled to close on the home XX/XX/XXXX, XXXX for the weeks leading up, I repeatedly asked for my closing cost number so I could be prepared, but was continuously told it was not ready yet. 

On XX/XX/2023 around XXXX, I received my final closing costs, which was {$27000.00}. Instead of the {$28000.00} in seller credits, I was only receiving {$13000.00}. I was not able to speak to someone until Monday, XX/XX/XXXX, the day before my closing. When I asked about it, I was told that they " accidentally '' were giving me an additional {$9000.00} discount that they weren't supposed to. The lender estimates I received gave me {$24000.00} in closing cost credit and {$9000.00} off the home price. They claim that the offer I was supposed to receive was {$9000.00} off the home price and up to {$15000.00} in closing costs assistance. I decided to use them as a lender based off the lender estimates they shared with me, which I signed. I was unaware of the offer they claimed, as all I ever saw in writing and what I signed gave me. 

When I argued that I should still receive the discount, they refused to give it to me. I was told I could bring the additional money to closing or add the additional money to the home price or I could not have the home. I did not have the additional money, so I had to add it to the home price. I had to sign a change order to the new home price, and my mortgage and other monthly costs increased about {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit reporting profile. There are unauthorized accounts that need to be removed as soon as possible. I have no given any consent for the following accounts and inquires to be reported to my credit report. They are in violation of my consumer rights. I am human there is no 3rd party involved. I have filed and reported with FTC, XXXX, and Texas Attorney General.

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 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
After XXXX years of frequent and reliable transactions processing donations and payments for charitable work, PayPal has suddenly declined to do any more business with our XXXX certified nonprofit, XXXX XXXX. 

Reckoning Press publishes an award-winning literary magazine, Reckoning, which is focused on environmental justice. On XXXX XXXX, we sent a payment for a poem to a Palestinian-American author. Immediately after doing so, PayPal placed a limitation on our ability to open any new transactions while they audited our account, asking me ( the president of XXXX XXXX ) to send them a photo of my driver 's license, a copy of our last month 's checking account statement, and confirmation that we had shipped XXXX recent book orders that were paid for through PayPal. I sent this documentation as quickly as I was able, and upon receiving these documents, they reopened my account almost immediately. In fact, they emailed me at XXXXXXXX XXXX yesterday to confirm receipt of the documents, then again at XXXX XXXX to let me know " Your account has been restored ''. Today, I realized I had made a mistake and only sent the author half the amount agreed upon in the contract, so I opened a second, identical transaction via XXXX. Immediately upon processing this second payment, in literally the same minute, they permanently and irrevocably deactivated my account, offering no explanation as to why XXXX XXXX for recourse. Both the confirmation email for the transaction and the email notifying me that " Important : Account features have been deactivated '' are timestamped XXXX XXXX, XX/XX/2023. 

A member of Reckoning staff pointed out to me that XXXX apparently has some unreasonably restrictive " anti-terrorism '' policies. Here 's one article about it : https : XXXX  I can only conclude this is what happened : PayPal flagged XXXX XXXXAmerican contributor 's name as indicative that we must be funding terrorism. Obviously, this is absurd and XXXX. The contributor I'm referring to is a natural born American citizen currently resident in New York, and we're paying this author for a poem per our contractual obligation. 

But XXXX has provided no path to dispute their decision. There is copious documentation all over the internet of people with similar issues being ignored : https : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX So I feel I have no recourse but to open a complaint with the CFPB requesting that our account be reinstated. 

I'll include copies of their emails and the documentation I provided below. Please let me know if you need further information or proof. However, I would ask respectfully that our Palestinian-American contributor 's name be kept out of this complaint in order to protect their privacy and secure their safety. 

Thank you very much, -- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was the victim of an extortion and blackmail scam where the hacker was using pictures of me and my family to get money from me. I had no choice but to send the remaining {$260.00} in my account to this person. This saved me and my family a lot of trouble. I am filing this claim the morning after and have called Bank of America in which they can not dispute the charge and get the money back into my account. I have never had any problems like this and this is ridiculous I had no choice but to send the money. I have provided photos of what has happened.

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 2023-11-15 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: IN

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX, a washed check cleared the business account that we wrote through Truist in the amount {$14000.00} on check XXXX. We did not notice this as when we check online banking the criminal had not changed the amounts! On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. On XX/XX/XXXX our vendor made it aware to us that they had not received payments, We then went to our local Truist Bank branch found these two washed checks, and made a fraud claim. Both checks were deposited online to XXXX XXXX  under two separate names and addresses. Truist fraud department is denying our credits for this fraud due to late reporting. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. We use banks to protect us against theft. This was grand theft and Truist is using an arbitrary time loophole to put the bill on us! They say they are working with XXXX to recover the money but it may take up to 6 months and let 's be honest why would XXXX just be willing hand over {$27.00}, XXXX to anyone. We need your help! This is a small business and this much money makes a big deal for us! Its equivalent to a half year salary for one of my employees.

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 2023-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC
State: IL

Complaint narrative:
We are an XXXX and XXXX XXXX in conjunction with XXXX XXXX were XXXX of our vendors. In XX/XX/2021 invoices started to not get paid. We have many emails with XXXX and XXXX XXXX asking for payment with them assuring us that they were looking into why the invoices were not paid. We have dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX is the owner of XXXX XXXX and he stated that the invoices were owed and he would get them paid. We have not received payment for invoices totaling over {$45000.00}. We have settlement agreements showing that XXXX XXXX was paid for appraisal and XXXX fees but they were never paid to our XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Slate credit card through Chase. I have been with this bank for over 10 years. I first noticed a fee of XXXX about a month ago this fee seemed to be in addition to any interest fees I might be charged. I called the bank about this charge and was told this : The fee is if you don't pay the exact monthly minimum payment and/or if you don't pay off your balance each month. I am on Social Security and because of food prices and miscellaneous expenses I have used my credit card a lot. The balance is approximately XXXX now which is far more than I ever wanted it to be. I have although been able to pay more than the minimum payment because I wanted to get it paid down. With the additional XXXX bank fee added each month it is becoming like a " Catch 22 '' situation and seems I am being penalized for paying more than the minimum payment and not being able at this point to pay off the balance. I am beginning to think the bank is making it difficult for me to get my credit card paid off. This is frustrating to say the least. 
My questions is, is this fair and how come they are allowed to do this? 
I would so appreciate a response and an explanation I can understand to why Chase bank is doing this. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NE

Complaint narrative:
In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-15 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: NE

Complaint narrative:
In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No callback option XXXX XXXX XXXX Highest level of management XXXX of management XXXX XXXX XXXX XX/XX/XXXX transferred XXXX XXXX XX/XX/XXXX XXXX said XXXX filed XXXX dispute Called back XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ordered new card XXXX XXXX XX/XX/XXXX TD Bank filed XXXX XXXX and blocked my card with my knowledge. I called and got a virtual card and a manager by the name of XXXX blocked my card. She told me she did not block my account and today a manager told me she did. I am out of town and not close to a branch. I have no cash and the last TD Bank manager by the name of XXXX basically told me to XXXX it up and ordered a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I show 3 incorrect credit checks on my Experian report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and I demand they be removed 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 2023-11-15 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Made a payment to my credit card thru wire transfer credit card company got the money applied to my account but then it disappeared they wouldn't tell where is my money or wont give it back

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Some one is using my social security number to apply for credit cards .. XXXX inquiries for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Some one is using my social security number to apply for credit cards .. XXXX inquiries for 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 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against Navient for Non-Compliance with Opt-Out Disclosures Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Navient regarding their failure to provide me with the opt-out disclosures for my student loans. I previously submitted a dispute to Navient and the Department of Education concerning the absence of opt-out notices for all my student loans. Regrettably, I have not received a response from either entity in accordance with my request.

As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive opt-out disclosures when disputing information related to their credit report. Despite my efforts in reaching out to both Navient and the Department of Education, I have not been provided with the necessary information that would allow me to make an informed decision regarding the management of my student loans.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Navient 's compliance with the FCRA. I believe that the lack of response from Navient and the Department of Education is a violation of my consumer rights, and I am seeking your assistance in rectifying this situation.

Enclosed with this letter, please find copies of my previous dispute submissions and any relevant correspondence with Navient and the Department of Education. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation