vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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 XXXX XXXX XXXX Account XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit 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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has taken advantage of a shift in my financial situation. For a short period of time of about a week, I let my account stand still and the bank has charged an abnormal amount of fees on overdraft charges. The charges in question are debit card auto transactions at were allowed to pass by Chase due to opportunity for financial gain in the form of a fee. A XXXX USD charge should not warrant a XXXX USD fee along with 3 or 4 others, within a few days time. I had spoken to a representative and was waived 3 overdraft fees plus a monthly service of XXXX USD for not having consistent direct deposits on the account. 

I had a discussion with the representative about why some recurring charges are continued to allow to process with no funds, and I was advised it is at the discretion of the bank. I dont see alot of discretion because everything is allowed through to put me, the consumer, at a disadvantageous position because now I owe the bank fees for something that should not have processed at all. Although policy may be codified in terms and conditions, this doesnt make what I and Im sure millions of other customers, fair. Im sure terms and conditions dont absolve Chase from regulatory oversight of their predatory fee structures. 

Chase makes billions in overdraft fees each year, and off the backs of lower income citizens. There was a study spearheaded by CFPB thay showed Chase raked in 7x more in overdraft fees in 2020 ( in the pandemic mind you ) than their big bank competitors. Of the billions raked in, only 9 % of accountholders were responsible for paying those fees. That is absurd. That is targeted and predatory. I can fathom the weight behind such a fee structure having been on the receiving end of these fees in not even a freakin weeks time. 

Ive been with Chase for like 17 years, and this sequence that I experienced with them makes me feel slighted and drowned out in a sea of nameless customers in their big bank. They would fee me to my grave if they had it their way. I feel their fee structure is a XXXX violation, its abusive and unfair. Why would it be ok to fee someone so egregiously while they are potentially facing hardship, its really unfair. 

Here is a link to a mention of the study I reference : https : //www.warren.senate.gov/oversight/letters/warren-booker-maloney-blast-jpmorgan-chase-bank-of-america-and-wells-fargo-for-continuing-to-profit-from-overdraft-fees-that-target-low-income-americans * I can not as of today access my closed checking account with Chase, but if needed I can request statements or records of the fees mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 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:
On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

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 2022-10-07 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:
I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-07 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: FL

Complaint narrative:
I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
1st the lender failed to comply with XXXX XXXX when mailing of the 90 day notice jointly addressed to both borrowers in a single envelope. 
A recent appeal presented an issue of first impression before this XXXX as to whether a plaintiff in a foreclosure action may satisfy the requirements of XXXX  XXXX by mailing a XXXX notice jointly addressed to two or more borrowers. In Wells Fargo Bank, N.A. v. Yapkowitz decided XX/XX/2021, the XXXX held that this practice was insufficient to satisfy the requirements of XXXX XXXX, and that the plaintiff is required to mail a 90-day notice addressed to each borrower in separate envelopes as a condition precedent to commencing the foreclosure action 2nd Lender failed to correctly serve my XXXX  Attached is the Original Loan application and deed with the correct spelling of her name. The Mortgage & Note lack standing because the foreclosure if not against my ex-wife, they did not serve her a correct copy they served her a misspelled copy. I did not cause the issue I attached a my loan application with the correct spelling of my name. This was a bad name failure to serve the correct party. 

3rd the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally, I would like a full copy of my mortgage records to be forwarded to me from the lender, which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws

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 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL

Complaint narrative:
On XX/XX/2022 I received my first phone call from Lanier Collection Agency regarding a debt. I am/was entitled to a written letter of my rights within the first five days after being contacted under the Fair Debt Collections Practices Act. I never received such letter and thus, Lanier Collection Agency is in direct violation of my rights under the Fair Debt Collections Practices Act, and the debt is thereby invalid. I notified Lanier Collection Agency via certified mail ( USPS XXXX XXXX XXXX ) that continued attempts to collect or otherwise fail to dismiss the debt would be reported to the Federal Trade Commission. On XX/XX/2022 at XXXX XXXX  I checked my XXXX credit report online and Lanier Collection Agency appeared as a derogatory mark on my credit report, indicating that Lanier Collection Agency failed to dismiss the debt. Attached are photos of 1 ) the letter sent to Lanier Collection Agency 2 ) proof of delivery of that letter via the issued USPS tracking number. 3 ) a screenshot of Lanier Collection Agency showing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NJ

Complaint narrative:
On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( transunion, XXXX XXXX XXXXXXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ 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 2022-10-07 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: NJ

Complaint narrative:
On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( XXXX XXXX XXXX  equifax, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I purchased two vanilla gift cards on XX/XX/2022 around XXXX XXXX. I went to check the balances of both cards and see that transactions for XXXX had been done on the cards. I have called XXXX and they arent willing to cancel the order. I also have reached out to vanilla who advised me that they arent able to cancel the transactions. Im being told that I have to wait for the transaction to clear and then dispute which can take 90 days. Im now out of XXXX for my gift card purchases. I would like assistance with retrieving my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank refused to refund the remaining balance of a closed account. They stated a check for the balance would be sent within 15 days of the account being closed which was XX/XX/XXXX. I have contacted the local branch and customer service multiple times without resolution. I was informed no check was ever issued and US Bank is continuing to withhold my balance of over {$4000.00}. This account was closed over 2 months ago and US Bank refuses to return my remaining balance.

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 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
Apparently my account was sold to XXXX XXXX from Dovenmuehle Mortgage - I sent my payment on XX/XX/XXXX to Dovenmuehle Mortgage - they stated on XX/XX/XXXX the payment amount will be finalized and sent to XXXX XXXX. I never got a letter stating my mortgage was sold/transferred from Dovenmuehle and they did not transfer within the 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have new and updated information on Pentagon Federal Credit Union. On XX/XX/XXXX at XXXX Pentagon Federal Credit Union received my intent to sue letter, litigation paperwork, and past documents since XX/XX/XXXX ( See attached documents ) to show proof that I was trying to resolve this matter outside of court. I have mentioned multiple violations of FDCPA ( 15 usc 1692 ) & TILA ( 15 usc 1602 ) and no action or effort was taken by Pentagon Federal Credit Union. So today I demand Pentagon Federal Credit Union to respond to my intent to sue letter, so we can resolve this matter immediately! If I do not receive a response from Pentagon Federal Credit Union by XX/XX/XXXX I will be continuing the next step in litigation. I will be waiting for your response.

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 2022-10-07 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: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
I done a refinance on my home with a credit card pay down XX/XX/2022 a payment of {$500.00} was issued to payoff my XXXX  XXXX  then XXXX of XXXX  I received a late payment with a extra XXXX  dollar fee, I called then fnbo, I emailed them a copy of the returned check showing that the check went through my account was more than paid off they said they would straighten it out. Fast forward to XX/XX/2022 Ive had the same call several times but they keep reporting daily delinquent payment to my credit report dropping my score and they keep compiling interest and late fees to the account! Please help 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 2022-10-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, Equifax and XXXX, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. Equifax, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account numbers # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account numbers # XXXX XXXX XXXX XXXX XXXX XXXX  Account numbers # XXXX XXXX XXXX Account numbers # XXXX, XXXX Account number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of intormation Anv other adverse item of information, other than recoras or convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

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 2022-10-07 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:
I have made several disputes directly with Experian regarding improper use of my credit report. Experian is not conducting an investigation regarding my claim. They closed two disputes and stated it was a duplicate complaint. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Bank account number starting with XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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