vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I have told them to stop contacting me all communication shoud be thru mail a " cerified letter '' and thee con tinue to call me according to 15 USC 1692 ( d ) DA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I ordered 48 windows and a patio door from XXXX 's, including installation services and a lifetime warranty. XXXX 's contracted to inspect the property, order the correct windows and door, deliver the windows, and install the windows in accordance with XXXX 's installation instructions and local building codes. I was promised that windows would be delivered and installed from XX/XX/XXXX through XX/XX/XXXX. No windows or doors have been delivered or installed that are appropriate for installation in my home, that could be installed in accordance with XXXX 's installation instructions, that are the correct size, or that comply with local building codes. I paid XXXX 's {$40000.00} on XX/XX/XXXX and {$39000.00} on XX/XX/XXXX for the services that XXXX 's has failed to provide. 

Based on the failure of XXXX 's to provide any of the contracted services, I demanded a refund from XXXX 's on XX/XX/XXXX. I filed a claim with Chase on XX/XX/XXXX to dispute the charge on my credit card. Chase has failed to take any action or provide any information on my claim, despite dozens of calls and messages to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Consumer Finance, I have contacted I C SYSTEM who is the creditor for XXXX XXXX in the amount of {$3400.00} and asked them to verify if account is mine. 

I have contacted the 3 credit bureaus, as well as IC System, to validate this debt is mine, and they have failed to show proof. 

To this complaint I will attached the letters sent.

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 2022-06-16 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: AL

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, {$23000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXXXXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy discharged 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 2022-06-16 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: AL

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, {$23000.00} XXXX XXXXXXXX XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I received a piece of mail that indicated I have an investment account with Robinhood. I do not and have never had an account with that company. I have tried to contact them and there is no way to contact them unless you have an account. So, I'm stuck. I am a victim of identity theft and have cleared many fake accounts on my own, but this one I can not even contact the company to notify them that they opened a fictitious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
My mom was forced to flee XXXX on XX/XX/XXXX due to the war. She was able to get to XXXX where my sister came to help her to find a permeant place to stay. I needed to help financially so I asked my sister to help mom to open a bank account so I can easily transfer money. That's what she did. On XX/XX/XXXX I used MoneyGram to transfer money ( {$1000.00} ) from my debit card ( American bank account ) to the bank account of my mom in XXXX. On XX/XX/XXXX the MoneyGram app showed that completion date is XX/XX/XXXX, which is backdate. I have a screenshot of that information. Which my mom went to the bank Few times to the bank the first week of XXXX and they told her there is no money. Furthermore, they said that they are not working with MoneyGram system, so it is impossible for them to receive the money directly to their bank. I opened a case with MoneyGram on XX/XX/XXXX, which at that point the MoneyGram receipt has changed the completion date to XX/XX/XXXX. Yesterday, XX/XX/XXXX I received the email saying that transaction was completed, and money were sent. All these months I was constantly calling them, and live chatting and the representatives promised the company would contact the bank and issue would be resolved. The bank wasn't contacted by MoneyGram. My mom closed that bank account XX/XX/XXXX due to coming to stay permanently with me in the United States. 
We have a bank statement with all transactions made from the date account was opened to the date account was closed. MoneyGram would not accept any evidence and would not refund money. I am attaching the MoneyGram receipt of the transaction, my mother 's XXXX  bank statement, the document about the closure of the account, the resolution email from MoneyGram.

I am very disappointed by MoneyGram. I understand that the system mistake might occur if they failed to deliver money to someone's bank account, they must issue a full refund to a sender. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDYK MORTGAGE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022, I received a visit from XXXX XXXX of the XXXX XXXX Inspection division. He proceeded to tell me that no one is authorized to live in the house ( I moved into the house XX/XX/2022 after closing ) at XXXX XXXX XXXX XXXX due to the failure of the builder to obtain the required certificate of occupancy. He proceeded to tell me that there are foundation issues with the house and that they were never repaired. A final inspection was to be done after the repairs were completed. XXXX XXXX was never contacted. 
I paid Van Dyke {$9100.00} to process my loan and make sure everything was clear for me to purchase the home. I also paid XXXX {$120000.00} as a down payment. I learned from the inspector that the house has foundation issues ; I would never have bought this house if I had known about this. 
I was told by the lender, XXXX XXXX, that the title company they hired made this error. 
I contend that it is the responsibility of the mortgage company to ensure that my interests are protected and that the necessary documents are submitted for closing. I wish XXXX had scrutinized themselves as much as they scrutinized me, if they had done their job, I would not be in this position today. Im XXXX XXXX XXXX and should not have been taken advantage of in this way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 instruction

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 2022-06-16 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 with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX  ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States 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 non-monetary relief
Consumer complaint received 2022-06-16 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 with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I tried to fix this with the company on several occasions. They charged late fees when bills were not sent to the correct address and they were not received which is a violation of my rights as a debtor. Also, they reduced my credit limit in retaliation to my complaint. If this is not resolved I will file a summons and complaint in Connecticut, to recoup illegal fees charged when statements were not sent to the correct address after updating it with the company. Please send legal department 's contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX  and Portfolio credit agencies are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/2022 I reached out to Pen-fed Credit Union to refinance my VA home loan for a cheaper interest rate and also a 15 year mortgage. I spoke with XXXX XXXX in regards to refinancing my VA loan and he explained what the minimum credit score and debt to income ration was.

At this time I checked my credit score and I meet the requirements of the bank and the the VA requirements to refinance my mortgage. The next day I lifted my credit freeze and gave XXXX permission to review my credit for a refinance. 

When I called him back he said oh your 2 credit scores are ok but one of them you are off by a few points. I personally feel that he lied to me because I had checked my credit the same day and I meet the qualifications to refinance my VA loan.In fact the VA only requires a XXXX credit score and I was we'll above that., I personally feel that Pen-Fed loan VA loan originator discriminated against me. He never sent me a letter in the mail showing my credit score and nor did he send me a letter stating the reason in which my refinance was denied. 

I personally feel that above mention gentleman alone with Pen Fed Federal credit Union Violated the Federal Housing Act.

1. Discrimination in my getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.

2. Discrimination against a 100 % XXXX military Veteran 3. Lied about my credit score 4. Failed to send me a letter in writing explaining why I was denied refinancing my VA loan 5. Unfair and unprofessional housing refinance practices I personal ; ly felt that XXXX XXXX was being untruthful to me on the phone, he was speaking to me as though I was a stupid moronic person or a child. 

Address of the loan officer that works for PEN FED as a 3rd party XXXX XXXX XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX Ph : XXXX Extension XXXX XXXX TX 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 2022-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This has been an ongoing problem for many months. I made my payments on time and confirmed all was well with Wells Fargo. Then they told me my payment was late and they charged off my account and won't allow me to make any further payments. 

I've written to the executive offices no fewer than 9 times requesting information and a conversation but I've received nothing other than form letters in return with no action possible.

I want to settle the issue properly, but I don't feel like the bank should have full control over what happens, particularly since their assessment of the situation is totally, provably false. I've presented my documentation proving my version of events. They refuse to even discuss the issue. 

Complaint Case # : 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 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD debit card was stolen on XX/XX/ XXXX The theft of the card was discovered by me on XX/XX/ when I wanted to make a purchase with it. I immediately checked on my account online and saw the fradulent transaction for {$1700.00} at XXXX XXXX on XX/XX/ XXXX  which caused an account overdraft. I called TD Bank and reported my card stolen and opened a claim to have the funds returned to me. In about 10 days I received a letter from TD Bank that the claim was denied because I indicated that the card was in my possession when the fraud occured. Clearly, this was a mistake, because I reported the card stolen. I called the bank again, explained that the card was NOT in my possession and the claim was reopened. The provisional credit was posted to my account on XX/XX/XXXX  for the same account, along with a refund of overdraft fees I was charged because my account went into overdraft. 

On XX/XX/ I received another letter from TD that the claim was again denied because the fradulent transaction did not fit the regular fraud activities ; i.e. there were no small testing charges first and the transaction did not deplete the account. I called TD Bank again for an explanation of these reasons, but I did not receive a satisfatory explanation. The investigation was complete and the claim was denied based on the reason stated in the letter. I asked about what investigation took place and I was told that the documentation will be mailed to me. I have never received anything. I was told that I should have reported it to the police and sent a police report to TD Bank. Note - I was never told that in any of the prior calls. I was also told that I need to take up the claim with the vendor who owes me the money. Laughable suggestion. 

I proceeded to get a police report from XXXX XXXX in XXXX XXXX, NY where the theft of my card occured. The report was taken and today I finally received a mailed copy of the report, which I now faxed over to TD Bank. I did also call them and was informed that there is no guarantee the claim will be reopened and reexamined. 

With filing the complaint with CFPB, I am hoping that I can be finally recognized as victim of fraud and be made whole financially. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNT Real Estate Corporation
State: FL

Complaint narrative:
XX/XX/2022 Company/Loan Officer providing vague Loan Estimates without the NMLS ID number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-06-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Transunion XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file

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