vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Commerce Home Mortgage, Inc
State: NJ

Complaint narrative:
I had a mortgage rate of 5.1 % with Change Mortgage ( Change Lending , LLC dba Change Home Mortgage ) for over a month. They purposefully delayed the loan closing to let my rate expire today ( XX/XX/2022 ) and then told me that my rate has expired and they will not extend and the only option I have is to accept a 5.75 % rate. 

We told them that this is wrong and they should honor the lock and they told us they dont care. When I told them we will complain to CFPB, they replied with " we have many lawyers '' and dont care. 

I had submitted all documentation in time and even paid for an extension last week because of their delays. They wanted to increase the rate and when silent and did not reply to my many emails and texts to get an update on closing. And today finally they gave me an ultimatum to take the higher rate or cancel the purchase. 

I know for a fact they had everything since they sent me the final closing disclosure after XXXX when time was up. 

This is very unethical and they did not honor the extension. They forced me into a higher rate. Per my broker they are 7 others folks they did this today over last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account 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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NV

Complaint narrative:
Received this packet with a XXXX XXXX enclosed and all I have to do is activate it. 
I did not order this and someone took my credit info to get this... I am mad. 
I work hard to maintain my good credit rating without having to deal with this " Phishing Mail " NETSPEND XXXX XXXX XXXX XXXX, TEXAS 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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX ask them to verify debit and amount and the company was disrespectful and will not remove the negative account from my report which reflects a bad imagine on me that goes of defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc.
State: NE

Complaint narrative:
I had an XXXX XXXX  visit with a local XXXX. I submitted my health  insurance  card at the times of service. Several different providers billed my insurance for the visit, one provider did not. Instead of billing my insurance for the visit this provider marked it, according to the collection agency they sent it to, as " self pay ''. The collection agency refuses to send the debt back to the original provider to be properly billed by my insurance carrier. Despite being informed of the fact that the billing on the account wasn't properly handled and the amount owed is inaccurate, they insist it is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX.Your company stated that a total balance was due in the amount of {$200.00}. 

If Possible Financial still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.

5. A full ledger of accounting documentation.

6. Specific services and codes ( please include service codes ).

7. Please provide your Your State business license and articles of incorporation to do business in my state.

I hereby give Possible Financial 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response. 

Respectfully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On today XX/XX/2022 I went to the PNC Bank @ XXXX XXXX XXXX XXXX Pa XXXX. To deposit funds into my Savings Account. After a brief wait I was called to the window by a XXXX female teller who was dressed in all black. And the first question she asked me was. Why didnt you use the ATM? After knowing the fact that here In XXXX theres an increase of armed robberies and senseless killings here in XXXX Pa. At various Banks including PNC ATMS. And since I happen to be an immediate family member of a Murdered Victim so its a personal and heartless offense against me as a PNC Bank Customer. And when I addressed the question to the Bank Teller on why did she ask me that question? She responded in a irresponsible and arrogant way. Now this isnt the first time when Ive been disrespected by a PNC Bank Employee because sometime ago at the local neighborhood bank @ XXXX XXXX XXXX XXXX XXXX XXXX the then XXXX Bank XXXX had asked me the same question after already knowing the high XXXX on XXXX crime wave in this community. Once again these are nothing but continued harassment and retaliation tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I keep getting emails from navient saying they will offer forbearance and/or hardship. I am confused as to why they are emailing me about payments and they are no longer in the business with student loans. I got several emails stating they want a payment or it will be turned over to the 3 credit agencies. Payments are even at a halt so why are they asking for money. Advantages is the new company. I do have emails to back it up Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid US Bank for a home appraisal and they are now saying they are going to refund the money I paid to get my home appraised. I am wanting to get rid of my PMI insurance due to having over 20 % equity in the home already. they want me to pay this PMI insurance so they are not being helpful. I purchased my house for $ XXXX and it is worth over $ XXXX. So they should remove my PMI insurance. I am having a terrible time working with US bank on this matter. They are making it next to impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXX XXXX XXXX INQUIRY DATE : 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 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX and I have been fed up with the way how I have been treated and how Macys has been severely ruining my credit with the issues that is on their end and is their fault. Please see the attached documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-04-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXXXX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Been trying to find copy of Bank of America card agreement from 2016, The agreement had promotion # ID XXXX. 

Please locate and reply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have been trying to contact XXXX who placed my collection account with Jefferson capital that can not find it here are my notes XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX- they located 2 accounts jefferson capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Jefferson cap XXXX XXXX - XXXX XXXX  XXXX {$720.00} balance. the account numbers are similar BUT the balance is different AND they are stating the account was discharged in bankruptcy. 

The balance on my end is {$920.00}. I have never filed bankruptcy

Company response to consumer: Closed with explanation