vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: CA

Complaint narrative:
I have a mortgage with Essex Mortgage ( Data Mortgage ). They are supposed to pay my taxes and insurance using money I pay into an escrow account. They neglected to pay my taxes in XXXX of this year and I received a notice of tax delinquency from the county where my house is located. I called the county as soon as I got the notice and was informed that I was one day from going to collections. I had to pay {$2100.00} out of pocket that day to keep from impacting my credit rating, and now I am fighting Essex Mortgage to get reimbursed. They paid the taxes a week after I did, and now they are claiming that they just got paid back from the county last week. Essex didn't pay my insurance either, so I paid another {$1200.00} out of pocket with an e-check to the insurance company, and Essex still has no answers on when I will be reimbursed for that. They keep asking me for proof of payment, which I sent them twice. I am also still waiting for answers as to why they didn't pay the taxes or the insurance in the first place like they were supposed to. Thank goodness I had enough personal reserves to overcome their screwups! I have been dealing with XXXX XXXX, XXXX # XXXX, Phone # XXXX, or XXXX. His e-mail is XXXX. I am tired of getting run around as if I caused this issue. They screwed up and I'm being questioned by them for everything multiple times. This is insane. I want my money back, I want to know why this happened in the first place, and I want others to know to steer clear of this company. As a sidebar - I was accidently copied on e-mail where XXXX is telling another employee, '' As you can see, the client is starting to get pissy. Any word? '' He thinks I'm XXXX?? Really? I've been dealing with this since XX/XX/2022. I have right to be XXXX  when they created this issue and have been dragging their feet to correct it. Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank allowed the fraudster to open an account using my information without asking for any verifications or documentation. Chase bank also told me its just as easy to open a line of credit as long as you have someones social. I contacted the XXXX act line and they referred me to make a complaint here as well. I figured opening an account would require the financial institution to verify customers they are dealing with without me now having to jump through hoops to get the fraudulent acct closed. It seems to close an account I have to actually give them my info and they have to verify me but to set up account I need no verification documentation.

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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We are finally reaching the end of this poorly handled mess created by Truist Bank. After spending some time in their online environment attempting to pay off the small balance on my home mortgage from my Truist checking account, it was apparent the regardless of how large I made the payment ( 3X the payment ) it was preventing me from completing my task. There was a pop-up that requested that I call a toll free number and I spent roughly 30 waiting for a customer service agent. After discussion, it was apparent that I was not going to be able to transfer money as the CSR and her manager were not helpful. In fact, the manager, XXXX, refused to talk to me and I was disconnected when I insisted on a transfer. At the end of my time with the CSR, she let me know my payoff was {$370.00} and XXXX cents per day after the XXXX. I called the branch on XXXX XXXX in XXXX SC and they sent a check for me for the payoff plus 2 days interest at my request. Why Truist needs a mailed check or a wire transfer is a mystery. XXXX from my checking is faster, more secure, and more verifiable. Through all of this Truist disaster, the owe me roughly {$150.00} in over-charged interest per my numbers. I expect that back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: Experian Information Solutions 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 XXXXXXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX XXXX Funding has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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. This account must be deleted. 

Further : I did NOT give any alleged creditor my explicit verbal or written authorization to hard pull my credit report. The following inquiries are Unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX, XXXX cards, and XXXX XXXX have me listed as delinquent when I was in the bankruptcy process so therefore not delinquent.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 n 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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: Capio Partners, LLC
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 the attached 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 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: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On or about XX/XX/2022 I called Pen Fed customer service line to inquire about the balance that was showing on my Pen Fed Credit card because the previous 2 month I had made a {$300.00} payment. When I looked at the balance from the balance transfer the bank had only applied {$42.00} to my balance transfers. When I spoke with the customer service rep he told me that the bank use an algorithm to do the allocations of funds and that I did not have a choice as to how the payments were applied. He stated that if I made the minimum payment and waited until the billing cycle closed and made the payment for the outstanding balance the balance would be paid off so that was what I did, only to find out when I get the statement the following month it shows that I had a cash advance in the amount of {$92.00}. I then call back and spoke a different rep and was told the information as the previous rep stated so I ask to speak with someone that could fix the problem. The rep did forward my situation to a supervisor. The supervisor got back with me that same day and told me that the only thing that she could do was to refund the interest that was charged to the account and in order for me not to pay any interest I would have to pay about {$380.00} and that would have cover the cash advance balance. 

As I was talking to the rep I research the rule for this issues and it states that the card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment. During the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances. Pen Fed did not do that as stated by Consumer Financial Protection Bureau XXXX XXXX Allocation of payments.

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: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I have been using a credit repair service to validate debts and inaccuracies on my credit reports. I've had several inaccuracies with GM financial getting a response or getting items confirmed. The issue is they are reporting several late payments including late payments in 2021 which are false reporting. I've provided XXXX  payment history to the firm representing me and GM has not verified, replied or removed the inaccuracies. They have also reported a repossession of my vehicle in XX/XX/2021 which is not at all true. I paid my vehicle off in XX/XX/2021 and have a copy of my title. Unfortunately they are reporting late payments especially in 2021 and can not or haven't verified with me or the firm I'm using. Now they have put a repossession on my credit. I am seeking for some accountability and fairness in this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, Transunion and XXXX reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct information.

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: GA

Complaint narrative:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX, XXXX and Experian reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct information.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: SD

Complaint narrative:
I was originally contacted by IQ about 18 months ago and was treated with total disrespect. I requested proof of the debt owed to the XXXX apartments and after several minutes of harassment from IQ I was told that if I provide full payment they would in turn furnish requested proof. I declined this irrational offer and explained that any further communication shall include proof of this debt. I have not received proof as of today. I and recently my sister have been receiving increasingly abusive phone calls demanding payment and threatening legal action. I have transcripts of voicemails The account is reported on credit file as Account information disputed by consumer, meets FCRA requirements I have only disputed this with the company not the credit bureaus.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-04-05 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: GA

Complaint narrative:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a debt collection on my report that should be deleted off my consumer report. Transworld Solutions did not advise that I can dispute. Paid the collection to have it deleted and the collection should not have been reported to my consumer report in the first place Per 15 US code 1681D ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The collection should have never been reported without my consent which i did not give. 

Also, 15 US code 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; This collection is blocking every relationship that I would like to pursue with other entities. I am not looking to be paid for damages, I would like to have the collection deleted off report.

Company response to consumer: Closed with explanation