vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been out of the country for six months and recently saw that my mortgage with Chase had jumped by an astonishing {$1500.00} per month. I paid it, believing it to be some sort of one-off adjustment to my escrow account, but then it happened again. I called the bank and they told me that FEMA had changed its maps and I was now in a flood zone. They also told me they had sent me notices by snail mail while I was out of the country, despite the fact that I opted for paperless banking years ago. 

The sent me, via e-mail, the notices from last year. The notices tell me to request a Letter of Map Amendment ( LOMA ) or Letter of Map Revision Based on Fill ( LOMR-F ) from FEMA if I think FEMA made a mistake, but I checked the map, and FEMA did not make a mistake. The bank did. In fact, they made three large mistakes, possibly with multiple errors within them. First, they failed to read the maps correctly. Second, they failed to contact me electronically, even though I had opted for paperless banking years ago. Third, even if they had contacted me electronically, as they are supposed to, the time it takes to get a LOMA would have left me in the same predicament. 

I spoke to FEMA, and they agreed I am not in a flood zone. They were able to walk through the map with me, and they told me I can still request a LOMA to be safe, but it would take six weeks to get. 

This may have begun as an honest mistake, but the mistake is not mine. Our house is one of six structurally distinct townhouses aligned along one street address but each with its own city address ( designated by numbers followed by letters ), as well as city services, deeds, homeowners insurance, utilities, plumbing, etc. Our house is far from the lake, and our elevation above the lake is substantial. We have no flood risk and are outside both the FEMA flood zone and all designated flood zones in other risk maps. 

Chase 's flood control team is hermetically sealed in a bunker in Ohio and can only be reached via fax. Even the Chase mortgage and insurance teams can't reach them any other way. 

The Chase mortgage team transferred me to the insurance team, which told me I still need to get a form from FEMA, which will take six weeks, and I have to either get cheaper insurance in the interim or trust them to refund my money when they see they are wrong. I have no such trust and don't want to saddle myself with insurance I don't need just because of their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Since XXXX my mortgage had been serviced by XXXX XXXX. During the pandemic I took the full 18 months of forbearance. In XX/XX/XXXX, I applied for a modification. When I did not hear back from XXXX XXXX I contacted them and was told my loan was transferred to Shellpoint Mortgage. That was to go into affect on XX/XX/XXXX. My loan went from being XXXX XXXX  to a private mortgage. I have finished the loss mitigation process with Shellpoint however their modification is raising my interest rate from 5 % to 6 % in my modification. My payment has increased over {$300.00}. Part of this is due to an escrow shortage which I am willing to pay. This is causing extreme hardship on me because the terms of my modification are worse than my original mortgage. They said I was not eligible for a deferment. They are also reporting to the credit bureaus that they have owned and serviced my mortgage since XXXX when they didnt get it until XX/XX/XXXX. This is causing them to report me as being over 120 days late and has tanked my credit score. They are not posting my trial payment plan payments correctly. First payment went into unapplied funds which I expected but the second payment was posted as if it were a late payment from XX/XX/XXXX. I am due to make my final child plan payment XX/XX/XXXX but I am hesitant because of the conflicting posting of funds. I was current with my mortgage at the time I started my forbearance with XXXX XXXX. My fear is that Shellpoint is trying to force me into foreclosure in order to take my property. I have 60 % equity in my property. They stand to make a big profit upon resale. I am a XXXX senior and I am wanting to stay in my house until I am no longer able. They keep telling me that the private lender guidelines allow them to make their own decisions and they dont have to follow Federal regulations. I know this to be untrue because I worked for a major mortgage company as a senior compliance officer for 12 years prior to becoming XXXX in XXXX. I am on a fixed income and at the moment the only way I can afford to make this payments is to supplement them from my small savings. I want to know if they are allowed to increase my interest rate when modifying my loan. It is my understanding that modifications are to alleviate hardship and not to cause additional hardships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B ; A creditor may not treat a payment on a credit card 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 2022-05-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Transunion : XXXX has violated my rights USC 1681 section 602 states that i have the right to privacy.

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

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The late payment is inaccurate and needs to be removed.

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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card 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 2022-05-02 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: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2022-05-02 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-02 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I currently have two accounts in question. The first is my XXXX account with XXXX XXXX XXXX and the second is my XXXX Account. My XXXX  account has been opened several years. The account was on my credit report, but Experian deleted it for no reason. Experian refuses to report my information. I have contacted XXXX and they have informed me that the information is being reported. It is being reported with the other two credit bureaus. In regard to my XXXX account it has been opened since XXXXXXXX XXXX. It is being reported by the other two credit bureaus, but Experian is not reporting my information. XXXX has confirmed that they are reporting this information every month. Experian will not report this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I was charged a cash down payment to lease vehicle and my paper work says credit those are false accusation. Violation is USC 1605 ( A ) ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXXXXXX DATE OPENED XX/XX/2021 BALANCE {$0.00} ACCOUNT TYPE XXXX XXXX XXXX XXXX XXXX XXXX  MONTHLY PAYMENT {$0.00} HIGHEST BALANCE {$360.00} RESPONSIBILITY Individual ACCOUNT DISPUTED No REMARKS Closed CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX DATE CLOSED XX/XX/202 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 there is {$1000.00} penalty if you do not remove

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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: WV

Complaint narrative:
They are calling my work- General Revenue Corporation XXXX they should never call your work no debt collector should ever call your work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This credit collection agency is the third credit agency that has attempted to collect the debt, they negatively and inaccurately reported this onto all 3 credit reports. They also failed to give me the opportunity to again dispute the debt, as I has previously did with the other two companies. The other two companies were unable to verify the debt and it was passed onto this company. I received no written verification. They have failed to properly verify the debt now 3x. 

The original creditor XXXX, has failed to verify the debt. The equipment was turned into their local store. I asked them to pull video footage and they refused to. They said I need a receipt of return, but I didn't know that when I handed to the girl in the store. I has asked the girl is that all, and she said " yep '' This was on XX/XX/16. I received a bill for {$680.00}. I asked why so much- she said failure to return equipment. I told her that I had returned it and she stated " they couldn't find it '' I asked her to pull the tapes from the local store and she just said " we don't do that '' What? so now I am left to pay for something that was turned in? I offered to give her the serial # and she said we can not take that. I called again in XXXX when I received the 2nd collection company letter, I disputed it right away, and again told my story, she said the same thing. They I received a credit alert XX/XX/XXXX saying a new collection was on my report. I looked and its yet another credit collection company with the same debt. No letter, no way to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been repeatedly calling and contacting me by text through various phone numbers to collect a debt that had been paid ( twice in fact ) and had also been subsequently pursued by another debt collector post payment. 

I incurred a GE/Old Navy debt some time in the early XXXX. There was only XXXX GE/Old XXXX account ever applied for. 

My husband paid the debt sometime in mid XXXX to a debt collector and did not document, so in XX/XX/XXXX he settled the debt again for {$350.00} and we have the documentation. 

Early XXXX, another debt collector ( XXXX XXXX XXXX ) started harassing me to collect on the same debt, we showed proof of payment yet they claimed it was not the same debt so we reported that debt collector to CFPB XX/XX/XXXX case # XXXX and have those emails as proof. The debt collector never contacted me again after we reported them. 

In XXXX, We also attempted to call GE/Old Navy to see if they could provide proof there were ever 2 accounts and they could not prove there were 2 accounts. 

Recently a XXXX debt collector XXXX has begun to repeatedly call me and text me for the same exact debt. I called and spoke to them and sent them proof of payment from XXXX and they ( also ) insisted it was a different account ( there were never 2 GE/Old Navy accounts ). They do not have an email or an address on their website and documentation can only be submitted via their website so I can not provide proof of that communication but each time they text I ask for an email address and do not get a reply. They refuse to communicate in writing. They are threatening to report to the credit bureau now. 

XXXX refuses to do the legwork to confirm there was only 1 GE/Old Navy acct and refuses to acknowledge our paperwork showing proof of payment as well as the subsequent complaint of trying to collect on the same account. There is no proof from GE/Old Navy that 2 accounts ever existed and each debt collector seems to come up with their own acct # in an attempt to fraudulently collect this debt. 

I am reporting this agency XXXX as I have made multiple attempts to prove this is the same debt and they will not cease harassing me daily through various text and calls. This debt has been paid, twice, and these collectors keep trying to insist its a different debt. 

Phone # XXXX they have used : XXXX XXXX XXXX XXXX XXXX no name XXXX no name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX skip tracing dept prelegal

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 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I've had fraud on all credit cards and bank accounts! reported this fraud to all! The dates are very sporadic charges. With XXXX different accounts, and sporadic dates of charges it is almost ridiculous to ask each date of each fraudulent charge. Also very inconvenient for me as I have This sucks and actually the last thing I would like to do with my day! So please just honor my request to freeze my credit thank you kindly!!!!!

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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX : XXXX, XXXX of XXXX XXXX. There is no XXXX party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX XXXXXXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!

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