vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Money was stolen XXXX times from my business Chase account, always Chase was refund the amount but the last time because i did dispute after 35 days they not giving me back an amount {$8100.00} Chase case Complain # XXXX Its not fair, i call them many times they told me to go police dept and make police report, I did but they not going to give me my money back because of 35 days limitation time. 
Unfortunately after few times money was stollen from my business ( XXXX ) account i stopped to use a chase account that why i did not see money was stollen in XX/XX/2021. I still can not believe it that banks not refund a money which was stolen, after XXXX time when money was stolen the chase asked me to change passwords, to get fresh antivirus XXXX program and i did everything they told me. 
This is a very serious i do not understand why US allows to do kind of policy for US banks after 35 days denied dispute,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: TX

Complaint narrative:
I received my letter of pre-approval from XXXX on XX/XX/XXXX. After putting offers in on XXXX different home and losing out to cash buyers, in XX/XX/XXXX my realtor suggested I try new home construction. My realtor informed me that lower did not do loans for new home construction and I applied through the builders preferred lender and was approved. I received a call from the lender at lower stating that they could do the loan. So I choose lower over the preferred lender. The process continued on smoothly up until the evening before close XX/XX/XXXX. I received a call from the lender about a loan that was paid off back in XXXX that was still showing up on my credit report and my ex-husbands credit card where I am an authorized user. I contacted the bank they sent a letter stating that the loans were paid off in XXXX and I have no active accounts with them. I asked my ex-husband to pay off his credit card and he obliged and sent in the receipt of payment. I received another call saying that because it is stated in the divorce decree that I could have the home even though it is completely unlivable because it flooded out during the winter storm of XXXX of XXXX and I told my ex-husband he could keep it. He is also on the deed, the title and the mortgage. I have never taken ownership of the home nor do I plan to. After I explained this to lower they refused to accept it. What they did choose to accept is that because my ex-husband did not start paying child support until XX/XX/XXXX that they could not use that as income bringing my dti down. They stated it was not stabled enough to count even though it is in the divorce decree that he has to legally pay child support and even after my ex-husband gifted XXXX in back child support and he gifted XXXX of that to the title company as good faith they stated they still could not use it. My issue with all of this is it was done on the day of close leaving little to no option for me to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: FL

Complaint narrative:
I would like to file a complaint against this credit bureau for violating my rights under the Fair Credit Reporting Act and for committing an illegal act and thus a violation of the Fair Credit Reporting Act. This credit bureau has re-aged an old account that has been reported on my credit report inaccurately. The name of the account that is been re- aged is XXXX  XXXX XXXX account number XXXX. I called and spoke with an Equifax representative in the dispute department who told me that the XXXX XXXX XXXX account was scheduled to drop off my credit report in XXXX of XXXX and that in the system the account was showing as been 1 year, 3 months and 14 days old. This is despite on an old credit report it is showing that the account was opened in XXXX of XXXX. 
Re- aging of any item on a credit report is ILLEGAL AND VIOLATES THE FAIR CREDIT REPORTING ACT. I am therefore asking this credit bureau XXXX XXXX XXXX XXXX XXXX  from my credit report immediately due to this violation and illegal act. A failure to delete this account from my credit report will see me taking legal action and suing this credit bureau so as to recover damages. This complaint will be used in a court of law should the needs warrant it. 
I have enclosed copies of my credit report showing where the XXXX XXXX XXXX account has been re -aged. Kindly see files attached. Kindly delete XXXX XXXX XXXX from my account immediately or face legal action for re-aging of an account and reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
Below is the statement was received : ERC received an account in their office on XX/XX/2017 in the amount of {$240.00} placed for collection by our client, XXXX XXXX XXXX XXXX 

I sent a payment ( {$240.00} ). My last payment was received in ERC office on XX/XX/2017 paid directly to XXXX XXXX XXXX. 

They have been reporting this on my credit report as open since 2017 after payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
in XXXX with XXXX XXXX Bank I got a {$1200.00} guaranteed card, The bank did not use the XXXX they held to pay off the card. While I was trying to get it resolved 5/3 Bank acquired XXXX XXXX. Again I tried to resolve it when I got a statement saying I owed over {$6000.00}. Eventually I got that number cut in half but then I was told because of the time lapse they no longer had my account information. Long story short I continued to pay, with a final {$360.00} paid on XX/XX/XXXX. 

Nothing, probably can be done for me at this point, but I hope you can help others. 

XXXX XXXX XXXX email : XXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Misuse My Personal Info

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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
FromXX/XX/2020-XX/XX/2021, I was trying to secure housing for my children as I had lost the house in my divorce to their father. I worked with the company New American Funding to receive my loan. I made it all the way through the process of buying a home- putting down earnest money, paid for the inspection, got my insurance on the home, turned on utilities and my mom gifted me my down payment. I was originally supposed to be in the home by XXXX but the underwriter kept pushing back for whatever reason. I asked my dad who was also an underwriter and he said I shouldn't have had such a hard time with my conventional loan and that something didn't seem right since I should " ; ve been in the home and not still bouncing between homes like I was. At the end of the situation, I had to terminate the agreement since The underwriter claimed the issue was my " scattered employment '' and wanted dates instead of blanket statements?- which I provided to the underwriter. I gave her my full dates and the loan processor said it was good. The whole issue was causing me a lot of stress because my children also wanted a stable roof over their head and unfortunately they were disappointed and I lost my earnest money. I had literally just left an abusive marriage and had been providing for my children ever since I left their father and my final straw was being told " XXXX XXXX XXXX '' was a blanket statement. I think the company also shouldn't have let me get so far as submitting my money for closing- which I was ready to do multiple times. Including having help from my own mother - I just feel like I should've been rejected instead of being put through the entire process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: LA

Complaint narrative:
Unlawful Use of A Negative Item On My Report From XXXX XXXX ( XXXX XXXX ) creditor i didnt sign my info to

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 2022-03-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I do not recall the exact it however it has been more than 30 days since I disputed these items the balance is include {$2400.00} {$870.00} {$1000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
Called several distant family members claiming they are trying to serve me papers. I would love to see these papers. They claimed to be from my county clerk 's office and needed me to call back because they needed my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: NJ

Complaint narrative:
I got a Debt verification letter from Vance & Huffman with account balance {$490.00} from XXXX XXXX as the original creditor. They attached a letter from XXXX XXXX with higher amount. 
Due to discrepancies and inaccurate information on amount due from both side XXXX Vance & Huffman and XXXX XXXX ) I called Vance $ Huffman and request that the information need to be removed from my credit reports asap but the agent said it can't be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi! My Paypal account has been permanently limited without any reason and I am unable to get any help from PayPal support. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. As I am well aware of the rules and policies by PayPal, I always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. I have not broken any of the user agreements or done anything wrong that led to my PayPal account being permanently limited. I am a website designer and work for my clients for designing the website and accept payment through PayPal. I have not done anything wrong. I would request PayPal to please re-investigate the matter and help me to restore my account. The email associated with my PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Williston Financial Group
State: WA

Complaint narrative:
I closed with XXXX XXXX XXXX and they recommended WFG Lender Services of California as my title company, I agreed. 

I closed on XX/XX/22. I was due a refund on my escrow from WFG. 

they sent my refund to the wrong address, how does a title company and or lender have the address they are the title company for have it incorrect!? here we are XX/XX/22 and I still do not have my refund of my escrow overpayment. 

I called them today and they were completely unaware?! SO I *should* be getting a check via XXXX.. 

My complaint is how and why would this refund take over a month to get processed and what POOR communication these companies have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I got XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to refinance with XXXX XXXX. I got my house appraised and after many months of their false promises they rejected me. I went back to my bank, Regions. I contacted XXXX XXXX several times by emails and voice mails about refinance or home equity loans. He didnt respond. My credit score was still XXXX. I finally went into the bank and talked to the home equity loan officer. My score was now XXXX. He said I didnt qualify because my score was too low. He had XXXX call me who told me the same. I have been trying to get forbearance or another program to give me relief ever since. Ive made numerous calls, spoken to numerous people, faxed in numerous times, gave permission for them to pull my bank statements, and still nothing has been done!!! I now feel theyre trying to steal my property which is worth almost four times what I owe! Ive been one payment behind since the last stimulus check and cant get ahead because I live on $ 1300/mo, but need {$1700.00} for bills. I shouldve gone to another bank. I need someone to intervene to get Regions to put me on forbearance or another program. They shouldve refinanced or given me a home equity loan when my score was high and I was contacting their loan XXXX. I became XXXX due to XXXX and need 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 2022-03-28 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: LA

Complaint narrative:
Unlawful Use of A Negative Item On My Report From XXXX  outsoucing ( XXXX XXXX ) creditor i didnt sign my info to

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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022 I was attempting to send funds to what I was told was a business account for the purchase of a bicycle. Venmo has added a purchase of goods option for protection which I selected. Immediately upon sending the payment I received a notification that stated the payment could not be sent and subsequently received an email from Venmo that my account had been frozen. There is no specific information in the email or in my follow up conversations with Venmo to identify what specifically causes my account to be frozen. I hold a fairly significant balance in the Venmo accounts as I do use them to buy and sell some bike parts and bicycles. The email asked me to upload a copy of my drivers license which I have and I was told it would be resolved in 4 to 5 business days. It is now XX/XX/XXXX and my account remains frozen. Upon my contacts through the virtual contact system I was advised that additional information was being reviewed and additional 4 to 5 days would be required. No funds were transacted yet Venmo has frozen close to {$30000.00}. Ive done nothing wrong, used the correct protection feature when attempting to pay for these goods, uploaded the required documents, yet my account remains frozen with no explanation. I want my money and I want to forever close my Venmo accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Not only did this company not furnish any sort of debt validation after asking multiple times both directly to an agent over the phone and via email-which is how they told me to ask for the info, I ended up receiving the information directly from the party that I allegedly owed debt to, they have now been sent a packet of identity theft information and have not removed the false info from my 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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-03-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}

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 2022-03-28 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: AES/PHEAA
State: FL

Complaint narrative:
I have been employed with Dept of Treasury since XX/XX/XXXX. I have been on a repayment of my student loans since XXXX. Myfed says only 3 of my payments qualify for forgiveness even though they have all been made on time. Nobody can explain to me why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
SPRING OAK CAPITAL LLC IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy In accordance with the Fair Credit Reporting act XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

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 instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief