vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was a victim of a scam that happened on XXXX/XXXX/XXXX. I got XXXX  checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through zelle. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a zelle claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( XXXX XXXX XXXX ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. Zelle department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a pending issue with the Bank of America. My account was hatched by unknown person from unknown cities totaling {$7500.00}. I filed a complain from last year and sent all the documents they wanted, i.e., copy of my driver license and my mother 's too to complaint that {$7500.00} was not withdraw by me. They've denied few times but they said that they will investigate on this issue with another department. They've been saying this since XX/XX/2022 and they've advised me that they're working on it since XXXX 2022. However, nothing is progressing. Please help me get my money back. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: CO

Complaint narrative:
Company has sent me several marketing notices about removing my PMI. When I contact about this, they inform me that refinancing is not beneficial due to a higher rate, but they can open a heloc for me. No where on the marketing is a heloc offer mentioned. It is deceptive for them to indicate PMI removal just so they can sell me a heloc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Short summary : Chase Bank refuses to accept a mortgage payment from a savings account at XXXX XXXX, claiming it is policy. The mailed statements provide a section to fill in the name and routing number of another institution, and select a checking or savings account! 

XX/XX/XXXX, originated a cash out refinance through XXXX Bank loan finally completed on or about XXXX XX/XX/XXXX. 

XXXX Bank then forwarded the loan to J.P. Morgan Chase for servicing. 

XXXX XX/XX/XXXX- First payment to Chase for mortgage due XXXX XX/XX/XXXX- attempted to pay mortgage online. Was given confirmation #, but did not know it was declined until about a week later. Chase would not accept payments prior to XXXX XXXX. 
XXXX XX/XX/XXXX - called Chase and paid over the phone, I stated it was a XXXX XXXX Account, gave routing and account number, was given confirmation that the payment was accepted. 
Also on XXXX XX/XX/XXXX- I logged into Chase Bank, selected to set up automatic payments, logged into XXXX  through the Chase website, chose the account to pay from ( the only account i have at XXXX  ) and appeared to have successfully set up automatic payments. 

XXXX XX/XX/XXXX- Received four items in the mail from Chase, two statements with the same due date, but different statement dates and amounts. The later statement date showing ZERO payments made, one past due. The other two items were a HUD assistance letter and a debt collection letter. 

XXXX XX/XX/XXXX- I Called Chase. After about 30 minutes on the phone I am told it is against Chase policy to accept payments from savings accounts at another bank. I ask to have the issue escalated to supervisor. Supervisor states Chase policy is not to accept ANY payments from other banks except those that are checking accounts. 

Chase has only stated this AFTER I tried paying three separate times and at no time prior had any of this been revealed. I access the Chase mortgage account via our Chase log in that we already had for a visa credit card through them. We have about two decades of excellent credit history with Chase ( again, we DID NOT choose them as a mortgage servicer ). 

BACKGROUND : Property is a single unit condo, purchased XXXX as an investment property. 
Opened a XXXX  Business Money Market account ( a type of savings account ) to keep all income and bills related to the property separate from personal accounts. 
Prior to this refinancing the mortgage, which was with XXXX XXXX, had been automatically paid every month from this same money market account. 

This is basically CHASE dictating that I set up another separate account ( which means another account that I must keep a minimum in to avoid fees ) in addition to the other problems this would incur relating funds transfer automation and payments for other operating costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
I did not authorize these inquires : 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 2022-05-02 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: ProCollect, Inc.
State: MI

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 that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This is a complaint of record since the issue was resolved. 
*** I intended to to freeze my credit reports due to a notification of a potential identity theft threat. 

Both XXXX and Experian signed me up for a " credit monitoring '' service or membership with a monthly charge of approximately $ XXXX. each. 
Not only was I unaware that I had signed up for any service, I received no confirmation or receipt of said charges as one would with any online purchase. 
It was only when I saw the charges on my credit card bill did I realize something was amiss. 
I immediately jumped thru all the hoops to get the charges reversed, each took at least 2 hours just to track down who to call and what to do.

Both companies refunded the charges without dispute.

I filed a complaint with the State of Minnesota & they referred me to this website. 

As a side note, I had no difficulty with 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 2022-05-02 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: VA

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

15 U.S.C 1681 section 602 A. State I have the right 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 explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I received a offer from Carvana LLC and I accepted it for value as in ordnance with the uniform commercial code 2-206. Offer and Acceptance in Formation of Contract UCC 1-201 ( 44 ) " Value ''. Except as otherwise provided with respect to nego- tiable instruments and bank collections ( sections 28:3303, 28:4208 and 28:4209 ) a person gives " value '' for rights if he acquires them ( a ) in return for a binding commitment to extend credit or for the extension of immediately available credit whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection; or ( b ) as security for or in total or partial satisfaction of a pre- existing claim ; or ( c ) by accepting delivery pursuant to a pre-existing contract for purchase ; or ( d ) generally, in return for any consideration sufficient to sup- port a simple contract. 

I also issued Carvana a receipt for allowing me to utilize the instrument for my personal, family, and household benefit after I accepted the offer and it was equal consideration offered. But now Carvana LLC is acting dishonorably, and after attempting to resolve the matter with them, I was met with rebuttal and some false and misleading information by one of your representatives XXXX and XXXX XXXX at XXXX pm, and before I was rudely treated, they threatened me that if I didn't do what they said, they would cancel the order, which would be a breach of contract, as I was explaining as prior to ARTICLE 2 OF THE UNIFORM COMMERCIAL CODE governing sales and the responses from XXXX gave the impression that she was informing me that Carvana guidelines are superior then the uniform commercial code and the laws of the United States which was very disturbing and when I asked to talk to a supervisor or someone higher she said it was going to take 24 and 48 hours and if I dont get things situated before then than the order will be canceled by CARVANA which caused me to get upset and cause emotional distress because her actions was inappropriate and if I couldnt get help than I would loose my property that I lawfully obtained thru offer and acceptance and that they are willfully keeping it away from me so I have no choice but to file this complaint to get the best help available to a consumer Let it be known that Im acting in Good Faith to get the matter resolved ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
I called again to Experian I spoke with an agent named XXXX. I have mailed several letters to Experian requesting that they remove this from file. XXXX says today that they didn't have my FTC then he found it and he said they would re investigate. This would be great but they have said this XXXX other times. I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time they say the same thing we will investigate but nothing has happened. I recently asked what else could I do and upon further research I discovered the CFPB and I read about how to file this 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 non-monetary relief
Consumer complaint received 2022-05-02 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: NAVY FEDERAL CREDIT UNION
State: NC

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

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Santander Consumer USA Holdings Inc.
State: NC

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

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I started a process to remove PMI form my home loan. I filled out the lender forms and paid a fee of {$100.00}, the XXXX was completed in less than one week with a new value of roughly $ XXXX. That amount is more than enough to remove the MI. After chasing the Bank/Lender for almost 3 weeks I just paid my XX/XX/2002 with PMI included. The lender had more than ample time to remove it and they never respond to any of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 2022-05-02 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: VA

Complaint narrative:
XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX XXXX  was reported on my Transunion 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 2022-05-02 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: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX  Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 explanation