vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NE

Complaint narrative:
XX/XX/XXXX opened basic business checking with Axos business bank  XX/XX/XXXX deposited check for {$5200.00} into Axos business account on mobile app XX/XX/XXXX notified that account was frozen because check was dated incorrectly by email XX/XX/XXXX XXXX XXXX XXXX assured me that Axos bank had deposited the funds and that the funds had left my account at XXXX XX/XX/XXXX spoke with " XXXX '' at Axos stated under review XXXX Spoke with XXXX at Axos who stated " XXXX '' would call me back ... ..never received a call XXXX asssured Axos by email that funds had left the bank of origin XXXX Case numbers for the case and call back case numbers established ... .never received a call back. was told that the case had been " escalated '' XXXX received an email from XXXX XXXX at Axos bank who asked for proof that the funds were no longer in my account at XXXX. I immediately responded with bank copies of the cancelled check from acct at XXXX ... ... XXXX XXXX never responded XXXX Called Axos customer service. Asked to speak with XXXX XXXX. Was not allowed to speak with XXXX XXXX but he assured the cust serv rep that my account would be released that day ... .they were not XXXX Called cust serv, again XXXX XXXX refused to speak with me but I was assured that the funds would be released... .they were not XX/XX/XXXX Called cust serv. agent " XXXX '', was not allowed to speak with anyone in charge he relayed that " XXXX '' told him that the funds would be released today... .they have not been

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

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 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
I have been contacted several times by hrrg trying to collect a debt in the amount of {$1300.00} I have requested specific information from them such as a copy of the original contract with my signature agreeing to pay said debt, a copy of the full payment history from the original creditor, name and address of the original creditor, proof that they now own or have been assigned said debt to collect, and a XXXX release form. I have requested thus information on several occasions and all they send me is an itemized billing statement. In XX/XX/2024 I again requested this information and their customer service representative said they can not provide this information and told me to retain an attorney after I asked them to dismiss this debt or I will file a complaint with the Federal Trade Commission and was informed that they were moving my file to the legal folder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I had a car loan through Credit Acceptance Corporation, the car was totaled in a car accident. On XX/XX/2023, I received a notarized letter from them along with the title for the car via registered mail stating that I had been released from the XXXX. About a week later i received a letter stating that my wages were being garnished due to defaulting on the auto loan. I called Credit Acceptance and asked for an explanation, the representative I spoke to told me to disregard the letter and not to worry since I had been sent a notarized release of XXXX and had the title. Not only were my wages garnished starting XX/XX/2023 ; Credit Acceptance has also been reporting to all 3 credit bureaus that I have not made any payments on the loan from the start of the loan to now. This is not only inaccurate but has caused me tremendous financial strain. Due to their false reports to the credit bureaus, I have not been able to get a new car because it appears that I have an un-paid open loan. And due to my wages being wrongfully garnished, I was ultimately forced to resign from a job I loved because I had to move out of state due to not having a vehicle and my wages being cut. Credit Acceptance Corporation has violated my rights per 15 US Code 6801 - Protection of Non Public Information, I never gave written permission for them to furnish my non public personal information on any reports. They have also violated 15 US Code 6802- Obligations with respect to disclosures of personal information & 15 US Code 6803 - Disclosure of Institution Privacy policy. They have also produced inaccurate information on my credit report. They are also in violation of 15 US Code 1681 and US Code 1681b.

I was also never given the option to opt out of my information being reported in the first place which is my right as well.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The institution of JP Morgan bank/Chase bank charged me {$5.00} for an account management fee and it seems like they might be trying to steal my tax refund. I have made to the account no {$13.00} deposit XX/XX/2024 to my savings account they said I did but I did not. They might have taken my maximum tax refund that was due by XX/XX/2024. I reported them to the FDIC .The bank has not yet relieved my maximum tax refund direct deposit to me yet. Just the micro deposit of {$13.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 information Any other adverse item of information, other than records of 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My home was broken into on XX/XX/2023 and all of my devices were taken with all my accounts logged into my password saved my banking information was stolen and my social security number and my driver license from wv was stolen since then I have had numerous inquiries that are not mine please help me get these off my credit. I have had over XXXX stolen from me cars put in my name loans in my.name. please help me fix my credit itvwentvfrom a XXXX to a 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 2024-02-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
On XX/XX/2024 i mailed a dispute to Experian to have them remove inaccurate names and unauthorized inquires from my consumer report, on XX/XX/2024 I got an update stating that the investigation was complete and when i looked only XXXX misspellings of my name were updated and no inquiries were addressed. I sent in another dispute on XX/XX/2024 for the remaining misspellings and the inquires, on XX/XX/2024 I received a notice saying that investigation was complete and when i checked XXXX more misspellings of my name were updated but still no inquires were removed, on XX/XX/2024 I called Experian to have the names updated and the inquires removed, the first representative removed XXXX more misspellings of my name and told me she would have to transfer me to another representative to take care of the inquires, when I spoke to him and told him i disputed twice his response to me was " Experian doesn't have a process to remove inquires and that they legally have to report it ''. As of right now my name is still misspelled and the unauthorized inquires are still on my consumer 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On this complaint listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: DC

Complaint narrative:
1. Why has my gender been changed to XXXX on the top page? I am a XXXX both now and at birth. Is it because I have an XXXX  at the end of my name? Please see my license attached and correct the information on my report ( Consumer Number : XXXX Case Number : XXXX dated XX/XX/year> ). It correctly lists XXXX in other parts of the report. 
XXXX. XXXX XXXX ( see my license attached ) was fat-fingered but not removed from my report. 
XXXX XXXX was not removed from my report and is not my DOB ( see my license attached ) 4. INVALID was not removed from my phone numbers 5. I did not see my CLUE report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a BOA credit card with an intro 0 % rate. One charge was placed on the card since opening, and payments were made consistently and on time for months up until XXXX, 2023 when I tried logging in to make my next month payment. I found out BOA closed my credit card account ( to my surprise ) without notice due to " fraudulent activity ''. I never marked anything on my account as " suspicious '', there was only ever 1 transaction made and payments since then. 

After spending countless hours on the phones with incompetent representatives, getting transferred to managers and escalating the matter to figure out why they did this and what I can do to ( at the very least ), make my monthly payments... there is still no solution. 

At this point, BOA closed my credit card, however they are still collecting on the debt owed ( which I completely understand ). HOWEVER, they do not provide me, as the consumer, with basic information pertaining to my balance, due date, minimum monthly payment, etc AND do not provide a reasonable method to remit said payments. 

This is extremely predatory. 

How can you close a consumer 's account without notice, find out the account was closed incorrectly, force the consumer to pay the debt owed BUT DO NOT PROVIDE A REASONABLE MEANS TO REMIT PAYMENT AND ACCESS TO BASIC INFORMATION OF THE DEBT OWED? 

I want to pay my debt. I am only asking to have clarity on the balance owed, due date, and minimum required payment, along with a reasonable method to remit payment.

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 2024-02-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681i ( 7 ) description of reinvestigation, provide proof. I have asked and given them time to show proof on who, the name of person and contract. 

PLEASE REMOVE FROM 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 2024-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Since filing my bankruptcy, Navy Federal Credit Union has placed an alert and flagged my account about my bankruptcy proceedings and the loss they incurred. 

Since the discharge of the bankruptcy, this flag has remained on my accounts. When I requested the flag 's removal due to the discharge of the bankruptcy, XXXX of their agents in their bankruptcy department stated that it was there for legal purposes and would not be removed. When I inquired if it would be on indefinitely or if there was a date when this would be removed, she declined to answer and said, " I can't say. '' As a result of this flag, I do feel discriminated against in some regards in doing business with the agency as the first thing that pops up on their screen before they can have a chance to interact with me as a valued customer is the red flag alert, 'THERE IS A LOSS ASSOCIATED WITH YOUR NAVY FEDERAL ACCOUNT ( S ). ' My accounts with this organization were never delinquent when I entered into bankruptcy, as I always held good standing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
XX/XX/XXXX, Carrington was contacted because a payment adjustment was due because my property taxes decreased. I am a senior citizen and I have two discounts from the Office of Tax and Revenue, Property taxes. I currently have the Homestead Deduction which I have had since I was XXXX  years of age and I recently ( XX/XX/XXXX ) I received the District 's Senior Citizen discount. This information was forwarded to Carrington from OTR/Property Tax Office on XX/XX/XXXX one month before taxes are due, Carrington never did the adjustment, and my current mortgage was a hardship. So from XXXX date Carrington did not the adjustment for the new monthly mortgage payment. I had to take both checks to make my mortgage payment and I kept calling Carrington to get the new mortgage payment and all I received was one excuse after another. On XX/XX/XXXX I contacted Carrington to make a payment and was told that I would have to bring the loan current before they accepted a payment and at this time i was told that I had an Escrow Surplus in the amount of XXXX and was transferred to Carrington 's Property Tax Division. I spoke with XXXX to find out why my new mortgage payment of XXXX would be due in XXXX and not now since Carrington had not done and/or applied the new property taxes in my loan. I found out that was done last XX/XX/XXXX, and XXXX told me to inform them that I wanted to apply the surplus to my missed mortgage payments because they are not allowed to retain a customer 's surplus payments, she then transferred me to Customer Service. I was told my XXXX XXXX after she spoke to the escrow office to send a letter with my signature and loan number to her email XXXX. the letter was to state that I authorize Carrington to apply my surplus to my loan balance and the send me a receipt. Again no response and I do believe XXXX got into trouble for telling me that because she never responded. Carrington has made me pay XXXX dollars since XXXX with a new payment adjustment of XXXX which will begin in XXXX, XXXX. How can they keep my money and/or not allow me to apply that surplus payment to my mortgage payments along with the mortgage payment they will not accept. It should not have taken them 2 and one half years to do the adjustment as they knew it presented a hardship for me especially since I added the late fee because the payments would be late since I had to take both paychecks to pay the mortgage. It was getting harder for me to meet the payments my utilities suffered, I am on XXXX medications per day, went without food and medicine for months ' they took none of this into consideration and they are still making me pay the higher mortgage payment and not the adjusted payment until XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to experian.com and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, XXXX XXXX never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but XXXX XXXX repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact XXXX XXXX, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.

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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/2024, I set up an extra principal payment on my mortgage, in the amount of {$5000.00}. Instead, Mr. Cooper mortgage company applied {$1500.00} to my regular monthly payment and only {$3400.00} to my extra principal. A week later, they withdrew my pre-scheduled regular monthly payment in the amount of {$1500.00}, + the {$300.00} extra principal that goes with that regular payment. 

I have contacted the company 4-5 times for a resolution, and each time they say it will be fixed, but it never gets credited as the full {$5000.00} for extra principal payment on my mortgage. I feel like I've been forced to pay a double payment.

Company response to consumer: Closed with explanation