vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being XXXX  and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this 30day late removed as it is hindering me from the purchase of a business. I am hopeful Target will reconsider its position, because I can't see myself doing any more business with them otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On Wednesday, XX/XX/XXXX my wife received multiple spoof texts and a call from what appeared to be USAA, our bank. Unfortunately, she shared, over the phone, some of her login information. Upon hanging up she realized something seemed off so she immediately called USAA. USAA 's fraud department confirmed this was fraud and helped her change her login information and change the address on our account back to our proper address. Today, XX/XX/XXXX, we noticed massive withdrawals from our checking account. We, once again, immediately called USAA only to find out nothing was changed in their system as promised and that a new card and credit card were sent to the fraudsters. We are still on the phone with them now but are getting the runaround. No one takes accountability over there. 

As a side note, when our son turned XXXX they shut access to his account off with no warning and it took nearly two months to resolve that. 

They are a disaster right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
I sent you a question about why my mortgage company hasn't taken their money out which in drawing on on the XXXX of each month an has been since XXXX of 2020. 
Got a letter saying I'm late. But nothing about what I asked you. Why didn't they take their money on the XXXX. 
That's been my payment date since 2020. 
I'm still waiting and I will not pay a late fee for them not doing their job. 
Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
According to 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, IN XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX, XXXX XXXX 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 : 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 information any other adverse item of information, other than records of convictions of crimes with 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The sports betting website XXXX XXXX fraudulently charged my card for {$1500.00} on XX/XX/XXXX. I contacted Bank of America within a day of the charge being made, and in the two weeks following my initial dispute of the charge I called two additional times as the claim was being reviewed ; each time, representatives assured me that Bank of America would resolve my claim, and I would receive the {$1500.00} within 24-72 hours, and this was a lie, as they denied my claim. I have never in my past spending history spent any money on sports betting, which Bank of America would have realized if they properly researched my account history, which again indicates that this charge is fraudulent. My account only had around {$1800.00} at the time of this purchase, so the the {$1500.00} charge drained my account almost completely of its funds. Furthermore, after reading Bank of America 's claims decisions it seems they had not properly contacted XXXX XXXX to get information regarding this fraudulent purchase, or traced the IP address of the purchaser.

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 monetary relief
Consumer complaint received 2022-09-23 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to United Wholesale Mortgage lack of correction. I recently spoke with multiple representatives at United Wholesale Mortgage and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX 2021. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for United Wholesale Mortgage to rectify the late payment XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I aquired about {$34000.00} in federal student loans with Nel Net, from attending XXXX XXXX and after consulting with a Credit Repair Attorney and Credit Analyst, I learned that I have XXXX accounts with Nel Net. Each account is showing that I have 10 late payments, with a total of 90 late payments combined. They are showing on my credit report as negative accounts and it is heavily impacting me and my credit. I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company kept on reporting my payments as late payments to the credit bureau in XXXX, XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), and in XXXX XXXX- ( 120 days late ) and again in XXXX XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX- ( 90 days late ), XXXX- ( 120 days late ). I placed my loans on forbearance a few times and each time I would do so, I would place my loans in forbearance status over the phone with a representative because I did not have immediate access to a fax machine or computer. I would also ask what I needed to do on my end to make sure I wouldn't fall into a negative status and their response was to continue to call back. 
Nel Net did correct some negative reports and I really appreciate what they did but after learning of the new negative reports, I am asking and begging Nel Net to please remove the negative reports off of my credit. It is really impacting me personally and mentally, there is a very high chance that I will need to move out of my curent home with my children and move into a relatives home because I can't afford to pay a high deposit rate due to my credit that is being impacted by the negative reports from Nel Net.

I've asked Nel Net to please help me out and they state they can't do anything for me but to file a dispute with them. They also stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: MS

Complaint narrative:
XXXX XXXX with Village Capital contacted me in XX/XX/XXXX and requested that I submit an application to refinance my VA loan to a Conventional Loan. I provided all financial documentation to XXXX XXXX and the loan assist team via email. 

XXXX XXXX stated after 20 days of reviewing financial information and submitting me a written quote stated that due to underwriting review process that my loan application was declined for cash -out refinance of 80 % which would payoff current debt. 

As of this month I do not have access to make an online payment. I am able to access my account information, but not able to make a payment which has caused my payment to exceed the 15 day monthly grace period. 

I feel that this is a deceptive practice that lead clients to believe that a loan product is available to decrease debt to income ratio by consolidation through a cash out refinance loan product. 

This is the ( 2nd ) instance in working with XXXX XXXX that has made it difficult and XXXX  through suffering when his instructions has caused a late payment to reflect on my credit report in XXXX and now continuous contacting me to submit more documentation and loosing a locked in rate with XXXX XXXX XXXX all to say " due to an underwriting error we can not proceed with your loan '' I never received a letter for Village Capital declining my loan application or any other documentation in the mail or email. I only received this information from XXXX XXXX over the phone when I contacted him to provide me the status of my loan application. 

I provided XXXX XXXX a copy of my appraisal I recently purchased for a loan refinance I was going to proceed with for XXXX XXXX XXXX and he stated he wanted top keep my business and that Village Capital could do a cash-out refinance and convert my VA loan to a Conventional loan in the process. 

I provided XXXX XXXX and the loan assist team with my annual income of $ XXXX Wife $ XXXX yr XXXX 's for last 2 years and Tax Returns ( 2 Yrs ), and Rental Income {$1600.00} XXXX Proof and Bank Statements to reflect all income listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have an account with asynchrony bank, they gave a limit of {$1000.00}. I have never been late kept my balance under {$500.00} at all times, they lowered my limit to {$370.00} and then reported my card as being over the limit

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, I booked a flight ( {$980.00}, trip # XXXX ) using points and cash without air fare rules being provided. I called Chase XXXX  ~3 weeks ( XX/XX/XXXX & XX/XX/XXXX ) before travel date ( XX/XX/XXXX ) but was told to pay a penalty of {$400.00} for a flight change. Meanwhile, the air fare dropped to below {$800.00}. 

Neither the booking process nor the confirmation email from Chase XXXX provided any details about air fare rules. As a result, I never had and still don't have access to air fare rules, and lost my opportunity to remediate the risk from paying a penalty for any flight change. I feel misled and trapped into my purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had a fraud happen on our account, that has since been resolved. The bank had to put a temporary freeze on the account until they were thru with their investigation. It has been since, XX/XX/2022 that I received a letter stating that they were PLEASED TO LET ME KNOW THAT MY CLAIMED HAS BEEN HONORED AND WOULD BE DEPOSITING {$3400.00} back into my account. 
Well, it is there but, it is frozen and I can not get to it. 

The bank manager says I must not contact the CUSTOMER SERVICE, FRAUD DEPARTMENT. I HAVE TRIED THIS DEPARTMENT IN THE PAST, and have put on hold until either my battery runs out, or after a long period ( like 20, to 60 minutes ) it automatically disconnects. This is absolutely XXXXXXXX XXXX XXXX XXXX XXXX!,! PLEASE 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 explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I haven't paid much attention to my credit report and when I checked I noticed unrecognizable companies. 
XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2 times XXXX  XXXX XXXX  2 times XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 times

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 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
On XX/XX/22, both my husband and I were contacted by Chapman Financial regarding two medical debts owed to them by me, one of a personal nature for myself and another for our child. I attempted to set up reasonable payment arrangements for this debt to pay them off in appx 11 monthly auto payments, and was asked for my husbands employment verification which I declined to provide, as we keep our bills separate as well as our income. The representative, XXXX, spoke with her supervisor requesting the payment arrangement be approved, and was then told that it would not be allowed and payment was required in full if I would not provide his confidential information. I further pressed how I could submit payments manually, and was told they will only accept payment in full ( appx {$1700.00} ) unless I give his information to them. This is abusive, intrusive, and Im fairly sure it is also illegal, and I want their debt collection practices reported and rectified. My husband is not liable for this debt, and his income is not and should not be considered for repayment purposes, or the threat thereof. As an additional note, I have worked with this collection agency before and was never asked for this information, and paid my previous debts accordingly via auto 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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. 

I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. 

For reference account was opened in XXXX FL I seek prompt resolution to my query.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RAYMOND JAMES BANK
State: CA

Complaint narrative:
Hello. I recently purchased a home with my family & three of us obtained a home loan together. Our loan was sold within one month of purchasing our home and our loan is now owned by Raymond James Bank ( XXXX ). I attempted to call and discuss my loan with XXXX but they said my name is not listed on the loan/in their system. They would not discuss the loan with me. I have significant concerns about the impact of this on my credit rating. Not having had a mortgage for the last year - after having had one for 15 years- resulted in my credit score going down. It is not in my best financial interest to not have my mortgage associated with my credit. Making mortgage payments & having a home loan associated with my credit help with my credit score. I'm also concerned about problems I may have filing my income taxes. If my name is not shown on the loan with XXXX, I will have difficultly applying the property tax and interest deductions to my tax filings. Worse, I may not be able to do that at all, which will create a significant tax burden for me. XXXX offered me no solution to fix the problem other than to get approval from my family to be able to discuss the loan with them, which is insulting since I am the person making the monthly mortgage payment of {$4600.00}. I've attached the documents proving this requirement. However, all that does is allow me to discuss the loan with XXXX. It does not update their system/records to prove that I am on the mortgage, which has the serious implications I've mentioned above.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
According to 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 XXXX XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX  Account : XXXX, XXXX XXXX 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 : 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 information any other adverse item of information, other than records of convictions of crimes with 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 knows 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 2022-09-23 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: NC

Complaint narrative:
According to 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 XXXX XXXXXXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX 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 : 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 information any other adverse item of information, other than records of convictions of crimes with 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 knows 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