vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My wife and I filed a homeowner 's insurance claim to repair water damage. The initial payments were issued directly to us, but the project crossed a threshold where the insurance co-issued the check to our mortgage company. First they said they would endorse it with an invoice. We mailed them the check, but then they immediately returned it to us, and asked us to endorse it and return to them. Then they deposited the check into an escrow account without informing us or the insurance company. They held it without notifying us of what documentation they needed or how to ever get paid from it. They keep changing their story of what paperwork they need and how to get an inspection scheduled. The customer service representatives have no access to how to schedule the inspection, which company is going to perform it, or what to do when we are inevitably NOT contacted by any inspector. I believe they are intentionally holding onto our insurance funds as a company financial asset. They consistently refuse to put any communication or requests for documentation in writing.

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 2023-07-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S Code 1681c-2/ and section 605b of the fair credit reporting act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these ITEMS IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S code 1681b-permissible purposes of consumer reports ( a ) in GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.as a consumer I am demanding the deletion of the accounts listed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
7 years ago I filed a complaint about XXXX, XXXX & XXXX of XXXX Florida. They sent a garnishiment notice or some sort of file to collect a debt I no longer owe. My bank account was seized for full payment of a debt of {$3700.00} ( approximately ) the new letter says I owe XXXX. ( approx ). I see in this portal that they replied to your office about a debt, but they never contacted me again. The debt was in XXXX. The payment was withdrawn in XXXX from my bank account. And then all the fraudulent mail started and stopped in XXXX. My former employer contacted me to inform me that not only did they reach out to a company I never worked for, they are lying about the amount I owe and why. I have asked for documentation of the amount due and have not received a single document in 7 years. And now this " garnishment '' to a company that is owned by my former employer and never worked for? This is a scam again. How are these people still in business?

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 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meade & Associates, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX This is not my name XXXX XXXX XXXX another family member XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX This is not my debt

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank continues to offer be predatory, I pay on time every month and they continue to charge me a XXXX late fee. Won't answer phone, and can't rectify.

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 monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2023, I transferred XXXX  via Bill pay from my XXXX XXXXXXXX Bank checking account to my Capital One checking account in order to be able to pay my Capital One credit card. This check was deposited by Capital One on XX/XX/2023 and debited to my XXXX XXXX account ( first attachment page ). However, the money was not credited to either my Capital One checking or credit card accounts or returned to me. We unsuccessfully tried to resolve this dispute over the phone with Capital One and they told us the problem was with XXXX XXXX Bank. When we discussed what had happened with XXXX XXXX, they were very concerned about possible fraud within Capital One. We then went to a Capital One branch in XXXX on XX/XX/2023 and spoke with a XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX was able to pull the deposited check on her computer! ( second attachment page without right-handed stamp on the reverse ). XXXX XXXX stated they would investigate where the check was deposited and gave us a Claim Number XXXX. After numerous phone inquiries from that visit to the present, Capital One is unable to provide any new information and only states that they need more time to evaluate where the check was deposited. To date, there has been no additional deposit to our Capital One accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: GA

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX, XXXX, TransUnion. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-07-07 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: GA

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX, Equifax, XXXX. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: WI

Complaint narrative:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/22, a full payment was made to my XXXX credit in the amount of {$3400.00} from my PNC checking account. My XXXXl typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the PNC website. The money was pulled out of my account but not paid towards the balance owed to my XXXX. I called XXXX and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my pnc account, but the balance was not paid on paypals end. I then called PNC, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through XXXX with no conclusion. They deny my claim over and over. During the claim time frame, XXXX has removed the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. I essentially had to give up with XXXX since I was getting nowhere and called PNC for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: UT

Complaint narrative:
Transunion unlawfully changes my name to a second fictitious name as of last week- which, according to the notarized court document I sent them- I have not had since 2003. I sent Transunion the document in consequence of the fact that they changed the name on my file to their fictitious name I have never been and never gone by. So, in response to my document, they take the legal name change ( to revert to my maiden name by which I have legally been known as ever since ) to use the surname the document removes ( XXXX ) on my account, replacing their former fictitious file name. The name XXXX is not my last name either. They change my name again to an almost equally fraudulent name I used for about one year, two decades ago, that is dissolved due to the cheater I married who has an undisclosed communicable disease- therefore the annulment was granted. Transunion has no authority to change a court decision, signed by a judge that gives my maiden name, XXXX XXXX, back- due to XXXX XXXX fraud. Now Transunion commits fraud in attempting to force me to take his name 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
About 3 months ago I went to the bank in person and told them that I was consolidating my loan with the company XXXX XXXX XXXX, they made me write a letter explaining what I was doing. I told them that the consolidating company will take about 4 months to communicate with them to reach an agreement. They continue to call at all hours of the day none stop. They know from me what I'm doing and were told by me that I'm not reusing to pay, but that the consolidating company will contact them to make the payments. After that someone came to my house and left a note with 2 phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/22, a full payment was made to my Paypal credit in the amount of {$3400.00} from my XXXX checking account. My paypal typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the XXXX website. The money was pulled out of my account but not paid towards the balance owed to my Paypal. I called Paypal and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my XXXX account, but the balance was not paid on paypals end. I then called XXXX, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through Paypal with no conclusion. I've submitted all the documentation they requested, I've submitted countless claims. They deny my claim over and over. During the " claim time frame '', Paypal removeds the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. Not to mention I'm still making the minimum payments on this {$3400.00} to paypal so I dont ' get derogatory marks on my credit as well!! 
I essentially had to give up with Paypal since I was getting nowhere and called XXXX for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to 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 monetary relief
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and Equifax. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by Experian and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Two transactions XXXX for XXXX and XXXX for XXXX were made thru zelle using my bank account on XX/XX/23. I didn't authorize these and someone hacked my account and was controlling my phone. I reported it to bank of america immediately and because i have made other transactions which i authorized before to my daughter they said ot was valid. Bank of america didn't even follow the transaction to the bank it was made too.

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 2023-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation